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Samit Ghosh, MD & CEO, Ujjivan Small Finance Bank After his 30 year stint as a reputed banker, Ghosh set up Ujjivan, a microfinance institution, in 2005. Twelve years later, he turned it into a small finance bank, catering to four million customers, and is now launching a digital interface to serve 40 million customers in seven years.

Q. The biggest challenge you faced in your career

A. The biggest challenge came in 2004/05 when we were raising an initial capital of Rs 2.7 crore for Ujjivan to apply for an NBFC licence and start

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