Financial Services
AU Small Finance Bank (AU SFB), India's largest Small Finance Bank, is the first SFB in India to receive an in-principle approval from the Reserve Bank of India to transition into a Universal Bank. Founded in 1996 by Mr. Sanjay Agarwal, a gold-medallist Chartered Accountant and first-generation entrepreneur, AU began as a vehicle finance company in Jaipur, Rajasthan, with a clear mission – to make formal finance accessible to India’s underserved and unserved.
In April 2017, AU commenced its banking journey and, in just eight years, has become a benchmark in inclusive, responsible, and tech-led retail banking. Today, AU is not just a bank; it is a homegrown institution built on a legacy of trust, performance, and inclusion, reflecting the spirit of a self-reliant and aspirational Bharat.
With 30 years of deep insight into the evolving needs of its customers, AU, now a Scheduled Commercial Bank, offers a full suite of banking solutions across savings account, current account, deposits, loans, credit cards, premium banking, insurance, investments, and merchant solutions. Its digital innovations, including 24x7 video banking, WhatsApp Banking, AI-led chatbots, UPI QRs, merchant lending, and the AU 0101 app, have redefined convenience and access, even in the most remote corners of the country.
AU’s national presence spans 2,505+ touchpoints across 21 States and 4 Union Territories, serving 1.16 crore customers, and powered by a dedicated workforce of 53,000+ employees. As on 30th June 2025, Bank has a shareholders funds of ₹17,800 Crore, deposit base of ₹1,27,696 Crore, total loan portfolio of ₹1,17,624 Crore and a balance sheet size of ₹1.60 Lac Crore+.
As AU gets an in-principle approval from the Reserve Bank of India (RBI) to become a Universal Bank, it stands at the cusp of a new beginning; ready to reach wider, grow deeper, and dream bigger. Grounded in Samajhdari, Imaandari, and Zimmedari, AU will continue to walk with every Indian, not just as a bank, but as a trusted partner in their ambitions. With a vision for Viksit Bharat 2047, AU is here for the long run, delivering banking with responsibility and dignity across the nation.
To be the world’s most trusted retail bank and coveted employer that is admired as the epitome of financial inclusion and economic success, where ordinary people do extraordinary things to transform society at large, thereby guaranteeing Trust, Confidence and Customer Delight.
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