AU Small Finance Bank

AU Small Finance Bank Limited (AU SFB) is a Scheduled Commercial Bank in India focused on providing accessible, inclusive and customer-centric banking and financial services. The bank serves a diverse customer base including individuals, salaried professionals, self-employed customers, entrepreneurs, MSMEs and customers in rural and semi-urban markets.

AU's journey began in 1996 when it was founded by Mr. Sanjay Agarwal as a first-generation entrepreneur. The organisation started as a Non-Banking Finance Company (NBFC), with a strong focus on providing financial services to customers and communities that were underserved by traditional financial institutions.

After more than two decades of experience in financial services, AU received approval to establish a Small Finance Bank and commenced its banking operations in April 2017. Since then, AU has evolved from a grassroots-focused financial institution into a diversified, technology-enabled bank offering a broad range of financial products and services.

Today, AU Small Finance Bank provides comprehensive banking solutions covering savings and current accounts, deposits, loans, credit cards, premium banking, remittance services, merchant solutions, insurance and investment products. The bank combines its physical banking network with digital platforms to provide customers with convenient and accessible banking experiences.

AU SFB has built a strong presence across urban, semi-urban and rural markets. Its business model is designed to serve customers across different segments of society, with a particular focus on financial inclusion, responsible banking and expanding access to formal financial services.

The bank follows a technology-led approach to banking and provides digital services through platforms and initiatives such as AU 0101, WhatsApp Banking, Video Banking, UPI QR solutions, digital banking services and merchant-focused technology solutions. These initiatives are aimed at making banking simpler, faster and more accessible for customers.

Our Focus

• Financial Inclusion
• Customer-Centric Banking
• Responsible Financial Services
• Digital & Technology-Led Banking
• Retail Banking
• Rural & Semi-Urban Banking
• MSME & Business Banking
• Supporting Entrepreneurs and Small Businesses
• Accessible Banking for Diverse Customer Segments

With a strong foundation built over decades in financial services, AU Small Finance Bank continues to expand its banking capabilities while focusing on customer needs, financial inclusion, technology and sustainable growth. The bank aims to make formal banking and financial services more accessible to a wider section of India's population.