Corporate Identity

A customer-centric institution
and solution-focused bank

Our journey began in 1996 when a first generation entrepreneur started as a vehicle financier. Over the years we evolved into a Fortune India 500 Company and a Scheduled Commercial Bank. During this journey, ‘solution orientation’ and ‘customer-centric approach’ have been the hallmark of the progress that we have made and have allowed us to acquire the trust of our customers and deliver a consistent performance.

What has remained a constant over the years is our ability to challenge the status quo; understand and adapt to the ground realities; and a common-sense driven approach based on the AU Dharmas. Therefore, despite the cycles and headwinds, the Bank has been able to prudently manage the risks and deliver steady and consistent growth while maintaining a strong asset quality.

Keeping up with this legacy, today we have conceived a comprehensive product suite, created best-in-class phygital delivery offerings for meeting the banking, financial, investment and insurance needs of our customers.

Our Vision

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.

Our Mission

To build one of India’s largest retail franchise that is admired for

  • Making every customer feel supreme while being served
  • Aspiring that no Indian is deprived of banking
  • Bias for action, dynamism, detail orientation and product & process innovation
  • Globally respected standards of integrity, governance, and ethics
  • Being an equal opportunity employer, providing a collaborative and rewarding platform to all its employees

Fastest growth to `1 trillion booksize and a delighted client base of 10+ million.

AU Dharma

Dharma is a way of life. It defines our intrinsic nature, upholding the duties and responsibilities that come with our existence. The AU Dharma is codified by the six guiding pillars that provide the foundation on which we do the right thing, in the right way.


Integrity We are fair and consistent in all our dealings – employees, customers, partners or shareholders

Nurture talent and succeed together We nurture talent and together we are a great team

Work hard and look for details Willing to go the extra mile in everything we do and thoroughly understand customer needs, issues, and organisational delivery model

Customer focus If our customers need it, we will make it happen

Bias for action Urgency in everything we do

Responsibly entrepreneurial 100% ownership and 0% excuses