Information only
AU Small Finance Bank is a small finance bank, a category of bank licensed by the Reserve Bank of India (RBI). RBI lists its registered office in Jaipur, Rajasthan. The bank began as a vehicle finance company, AU Financiers (India) Limited, and became a small finance bank in 2017. Its core retail lending is vehicle finance, small secured business loans for MSMEs and housing loans. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Retail and MSME loans AU Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home loans | Separate home loan variants exist for purchase, construction, improvement, land purchase with construction, and a balance transfer with a top-up, plus a commercial property purchase loan. The property is the security. |
| Personal loans | An unsecured loan decided on income, credit history and existing obligations. The bank sets the terms. |
| Loans against property | A secured loan against residential or commercial property you own. Valuation and legal checks on the property apply. |
| Business and MSME loans | Small secured business loans for MSMEs are one of the bank's core lines, alongside unsecured business loans. Papers and security depend on the variant. |
| Car loans | Vehicle finance is the bank's original business. The vehicle is hypothecated to the bank until the loan is repaid. |
| Gold loans | A loan secured on gold ornaments, subject to RBI limits on the loan-to-value ratio. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, business loans, car loans, gold loans. This list reflects the bank's publicly known range; its own product pages could not be opened on 8 November 2026. The bank's own website is the record of current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank |
| Registered office (RBI listing) | Jaipur, Rajasthan |
| Origin | Began as AU Financiers (India) Limited, a vehicle finance company in Jaipur, according to the bank's website |
| Became a small finance bank | RBI announced that the bank started operating as a small finance bank on 19 April 2017 |
| Merger | Fincare Small Finance Bank merged into AU Small Finance Bank with effect from 1 April 2024, under a scheme approved by RBI on 4 March 2024 |
| Ownership | A listed company; its stock-exchange shareholding filings show the current shareholders |
As of 8 November 2026, the in-principle approval RBI gave AU Small Finance Bank on 7 August 2025 to transition into a universal bank is on record. It was the first such approval for a small finance bank. The bank's website and RBI notices are the record of whether the transition has been completed.
Before you apply
- A small finance bank is an RBI-licensed bank that must meet priority-sector lending requirements and serves segments that larger banks may reach less. The bank, not LOANZ 360, sets its loan pricing and rules.
- Vehicle, small business and housing loans here usually rest on the vehicle or property as security. If your income is informal, ask which papers the bank accepts as proof.
- Ask for the Key Fact Statement and compare offers on the annual percentage rate (APR), which includes charges.
- Processing, foreclosure and penal charges are set by the lender. Read them before you accept an offer.
A home or business loan is a long commitment, so compare the full cost across lenders on the interest rates page. Checking your own credit score does not lower it. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score, so apply only where you are likely to qualify.
Compare this bank with others on interest rates and browse all lenders. The label on a lender page, lending partner or information only, is drawn by the site from live data. If this page shows the bank as information only, apply on the bank's own website.
Last updated 12 Nov 2026