The headquarters of Ujjivan Small Finance Bank Limited is located in which Indian city?

Introduction / Context:
Small finance banks in India play a crucial role in promoting financial inclusion by providing basic banking services to underserved segments. Ujjivan Small Finance Bank Limited is one of the prominent small finance banks licensed by the Reserve Bank of India. This question checks basic banking awareness by asking about the city where the bank has its corporate headquarters.

Given Data / Assumptions:
- The bank in question is Ujjivan Small Finance Bank Limited.
- The task is to identify the city that hosts its main head office.
- Four well known Indian cities are provided as options: Hyderabad, Ahmedabad, Bengaluru, and Kolkata.
- Only one of these cities correctly matches the registered and operational headquarters of the bank.

Concept / Approach:
The concept here is straightforward factual recall related to the Indian banking sector. Ujjivan began as a microfinance institution and later became a small finance bank. It has strong roots in the southern part of India and particularly in Karnataka. Its head office and key management operations are based in Bengaluru, which is a major hub for finance and technology companies. Awareness of basic facts such as the headquarters of major banks is common in competitive examinations.

Step-by-Step Solution:
Step 1: Identify that the question is about the headquarters, not about branch network or area of operation. Step 2: Recall that Ujjivan Small Finance Bank has its origins and primary offices in Karnataka, India. Step 3: From the options, the Karnataka based metropolitan city is Bengaluru. Step 4: Confirm that Ujjivan Small Finance Bank lists Bengaluru as its registered corporate and administrative headquarters. Step 5: Select Bengaluru as the correct answer.

Verification / Alternative check:
If a student is unsure, they can also use elimination. Ahmedabad is in Gujarat and is not generally associated with Ujjivan brand origin stories. Kolkata is known more for several public sector banks and regional institutions, whereas Hyderabad is a major city in Telangana with its own local banks and technology companies. Bengaluru, however, is strongly linked with Ujjivan and many other fintech and microfinance institutions.

Why Other Options Are Wrong:
Hyderabad: A major city but not the head office location for Ujjivan Small Finance Bank, which is centred in Karnataka.
Ahmedabad: A key financial city of Gujarat, yet it is not where Ujjivan Small Finance Bank is headquartered.
Kolkata: An important financial and cultural centre in eastern India, but it is not the home city of Ujjivan headquarters.

Common Pitfalls:
Students sometimes assume that any large Indian city might host the headquarters of a bank, especially if they focus only on where branches are visible. Another pitfall is confusing Ujjivan with other financial institutions that might be based in cities like Hyderabad or Ahmedabad. Keeping a small list of bank headquarters for exam preparation can help avoid such confusion.

Final Answer:
Thus, the headquarters of Ujjivan Small Finance Bank Limited is in Bengaluru.