AU Bank
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Financial Inclusion

AU Small Finance Bank: Driving Financial Inclusion in India

Bridging the credit gap in rural India has always been at the core of AU Small Finance Bank.
Over the years, AU has benefitted more than million people with a focus on Priority Sector Lending (PSL) across 11 states of North, West and Central India. 
Our unique approach of lending without income proof, has always attracted customers from the rural & semi urban areas. The Bank has always kept it’s customers’ financial needs at the forefront and has provided institutional lending to First Time Buyers of commercial vehicles, self-employed residents of rural, semi urban areas from low-income groups of the society.
The Bank’s customers mainly include low-income & middle-income individuals and micro / small businesses, who have business potential but are unable to avail financing from other formal channels. AU strives and continues to support such individuals who are creditworthy but are from weaker section of the society. 

Doorstep Banking: Essential Services


Pillars of Financial Inclusion

  • Loans through Assessed Income solution for customers with No CIBIL history/Income Proof
  • Serving the Missing Middle: Most of the Bank’s customers are either self-employed or small business owners including Drivers, Small Transport Operators, Automobile Dealers, Kirana Shops, Hardware & Electrical Shops, Carpenter & Furniture works, Brick Making Units, Flour Mills, Educational Institutes, & various other Small Manufacturers & Traders.  
  • Reaching the Unreached: Strong Network in Rural & Unbanked areas
  • Digitisation of Banking: TAB based technology.

Reaching the Last Mile

“Mr. Rajendra Rathore, Business Correspondent, Navrangpura, Jaipur, leverages the banking services in his vicinity as an alternate channel of banking through microATM.”
Taking Banking to the Unbanked:

Serving the Missing Middle

MSME Stories | Stories of strength to inspire all small business owners: 
Additional Information