About Us

Bridging Gaps, Building Futures

At UFS Digital Empowerment Foundation (UFS-DEF), we are dedicated to bridging financial gaps and building brighter futures. We offer a diverse range of loans—including micro loans, staff loans, CSP loans, and more—to empower individuals and businesses with the resources they need to succeed. Our mission is to make financial access easier and more inclusive, fostering economic growth and social development. By leveraging innovative technology and a customer-centric approach, we aim to provide transparent, impactful solutions that help our clients achieve their goals and contribute positively to their communities.

Know About Us
About Ourselves

Difference Of Us

What Makes Us
Different Form Other?

At UFS Digital Empowerment Foundation (UFS-DEF), our commitment to bridging financial gaps and building futures sets us apart. Unlike other financial institutions, we focus on inclusivity and innovation to provide tailored loan solutions that meet diverse needs. Our personalized approach ensures that each client receives the support and resources necessary for their unique situation. We leverage cutting-edge technology to streamline processes and enhance accessibility, making financial services more transparent and efficient. Our dedication to community impact, ethical practices, and long-term relationships underscores our mission to empower individuals and businesses, fostering sustainable growth and positive change.

Targeted Focus

We specifically target low-income communities in Uttar Pradesh, focusing on Micro, Small, and Medium Enterprises (MSMEs) to alleviate poverty through tailored support and empowerment.

Comprehensive Approach

Our approach combines financial services (micro-loans, tailored financial assistance) with digital literacy programs and non-financial support (training, mentorship) to foster sustainable business growth.

Strategic Partnerships

We collaborate closely with financial institutions and international organizations to provide access to credit, technical expertise, and global best practices, enhancing MSME development.


Enhancing Financial Knowledge

The foundation strives to educate beneficiaries on the fundamentals of financial management, including budgeting, saving, investing, and understanding financial products and services.


Promoting Access to Financial Services

The goal is to ensure that beneficiaries are aware of the various financial products and services available to them and understand how to access and utilize these services effectively.


Building Confidence

Beneficiaries are empowered with the confidence to engage with financial institutions, make informed financial decisions, and manage their finances independently.


Encouraging Responsible Financial Behaviour

The aim is to instil a sense of responsibility and discipline in financial management to promote long-term financial health and stability.


Supporting Economic Empowerment

Through financial literacy, beneficiaries are enabled to leverage their knowledge to grow their businesses and contribute to the overall economic development of their communities

Financial Inclusion Literacy

Empowering Communities Through Financial Inclusion Literacy

Financial inclusion literacy is a cornerstone of the UFS Digital Empowerment Foundation's mission, recognizing its transformative potential in empowering marginalized communities. At its core, this initiative aims to equip individuals with essential knowledge and skills to effectively engage with financial products and services. By enhancing financial literacy, the foundation seeks to elevate economic stability and improve the overall quality of life for beneficiaries.

Central to the foundation's objectives is the enhancement of financial knowledge among its target groups. This involves imparting fundamental principles of financial management such as budgeting, saving, investing, and understanding diverse financial instruments. Through education and training programs, beneficiaries gain practical insights that enable them to make informed decisions about their finances.

Moreover, the foundation emphasizes the promotion of access to financial services. It strives to ensure that beneficiaries are not only aware of the range of financial products available but also understand how to access and utilize these services effectively. This empowerment fosters greater financial independence and resilience within communities.

Another crucial aspect is building confidence among beneficiaries to engage with financial institutions. By nurturing a sense of empowerment, individuals are encouraged to take proactive steps in managing their finances, thereby promoting responsible financial behavior and long-term financial health.

Furthermore, the foundation aims to leverage financial literacy as a tool for economic empowerment. Beneficiaries are empowered to leverage their newfound knowledge to enhance their business ventures, contribute to local economies, and ultimately, drive sustainable development within their communities.

In summary, UFS Digital Empowerment Foundation's commitment to financial inclusion literacy underscores its dedication to creating positive and enduring impacts. By equipping individuals with the skills and confidence to navigate the financial landscape, the foundation not only promotes economic stability but also fosters inclusive growth and empowerment among marginalized populations.


Pricing and Payment Structures

How Much Can I Recive?

At UFS Digital Empowerment Foundation (UFS-DEF), the amount you can receive depends on the type of loan and your specific financial needs. We offer a range of loan products tailored to various requirements, from micro-loans for small-scale entrepreneurs to larger amounts for business expansion. Loan amounts are determined based on your eligibility, project scope, and repayment capacity, ensuring that you get the right support for your goals.

How Much Can I Recive?

How Much Does It Costs?

The cost of borrowing with UFS-DEF is transparent and competitive. Our interest rates vary based on the loan type and amount, with options designed to be affordable and accessible. We provide clear information about the interest rates, fees, and any additional costs associated with your loan before you commit. Our goal is to ensure that you have a complete understanding of the financial terms and can make informed decisions.

How Much Does It Costs?

How Do I Repay?

Repayment terms at UFS-DEF are structured to be flexible and manageable. We offer various repayment options, including monthly installments, quarterly payments, or other schedules that align with your cash flow. Repayment periods are tailored to fit the nature of your loan and your financial situation. You can make payments through multiple channels, including online transfers, direct debits, or at our partnering financial institutions. Our team is here to assist you with setting up a repayment plan that works best for you and to answer any questions you may have throughout the repayment process.

How Do I Repay?

Our Product

Loan offering


Mirco Loan

Micro loans from UFS-DEF offer small, accessible funding to individuals and small businesses, helping them start or grow their ventures with flexible repayment terms and competitive interest rates.

Staff Loan

Staff loans from UFS-DEF offer financial support for personal or professional needs with convenient terms and competitive rates, enhancing employee well-being and job satisfaction.

CSP Loan

CSP loans from UFS-DEF are designed for Customer Service Providers, offering tailored financial support to expand their operations and improve service delivery with flexible terms and competitive rates.

Limited Liability Loan

Limited liability loans from UFS-DEF are tailored for businesses with limited liability structures, providing financial support to enhance operations or manage growth with flexible repayment options and competitive interest rates.

Water & Sanitation Loan

Water & Sanitation loans from UFS-DEF provide funding for projects aimed at improving community health and infrastructure, supporting the development of clean water and sanitation facilities with flexible terms and competitive rates.

PRAYAAS Business Loan

PRAYAAS business loans from UFS-DEF offer financial support for entrepreneurs and small businesses, helping them scale their operations and achieve their growth goals with flexible repayment options and favorable interest rates.

Skill Loan

Skill loans from UFS-DEF provide funding for educational and vocational training, empowering individuals to acquire new skills and enhance their career prospects with flexible repayment terms and affordable interest rates.

Questions You Have

Frequently Asked Questions

What types of loans does UFS-DEF offer?

UFS-DEF provides a variety of loan to meet diverse financial needs.
You can apply for a loan by visiting our website or contacting our local offices. We provide an easy application process with support to guide you through each step.
Eligibility criteria vary by loan type but generally include factors such as credit history, income level, and the purpose of the loan. Specific requirements will be provided during the application process.
Interest rates and fees depend on the loan type and amount. We offer competitive rates and transparent fee structures. Detailed information will be provided before you commit to a loan.
Repayments can be made through various channels including online transfers, direct debits, or at our partnering financial institutions. Repayment schedules are flexible to match your financial situation.
If you face challenges with repayment, contact our customer support team immediately. We offer assistance and may provide options to adjust your repayment plan to better suit your circumstances.

Still Have Questions?

Contact Us

Call Us We Will Be Happy To Help
+91 92364 54882
Mon–Sat : 09:30AM–6:00PM
2nd & 4th Sat : Closed
Sunday : Closed

Reach Us Will Be Happy To Help
A-708-709, 7th Floor,
Rohtas Summit Building,Vibhuti Khand, Gomti Nagar,
Lucknow – 226 010, Uttar Pradesh