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Annual Revenue,rose 51.13%, in the last year to ₹18,590.04 Cr. Its sector's average revenue growth for the last fiscal year was 10.03%.Annual Net Profit,rose 37.22% in the last year to ₹2,105.93 Cr. Its sector's average net profit growth for the last fiscal year was 11.82%.Quarterly Revenue,rose 15.36% YoY to ₹5,223.87 Cr. Its sector's average revenue growth YoY for the quarter was 3.11%.AU Small Finance Bank Limited (AU SFB) is a retail-focused bank with roots dating back to 1996, when founder Sanjay Agarwal began as a vehicle financing company in Jaipur before transforming into NBFC AU Financiers and later receiving in-principle approval for a Small Finance Bank licence in September 2015.
Since becoming a bank, AU SFB has built a pan‑India franchise and, in FY 2024–25, completed the merger of erstwhile Fincare Small Finance Bank effective April 1, 2024. AU Small Finance Bank makes history as the first small finance bank to receive in-principle approval from the RBI to transition into a Universal Bank.
The Bank operates only in India, serving 21 States and 4 Union Territories reflecting a deep national footprint with no international operations.
Its portfolio spans deposits and payments, secured retail lending (notably vehicle loans “Wheels,” micro business loans, home loans and gold loans), inclusive banking (microfinance and small/marginal farmer financing), commercial banking (MSME, agri, real estate, EEFI lending, plus trade/FX and transaction banking), and select unsecured offerings (credit cards and personal loans). The digital ecosystem is anchored by the AU 0101 mobile app and is supported by internet banking, video banking, WhatsApp banking, IVR and an AI-powered chatbot; the Bank also offers wealth and insurance solutions and a growing AD‑I forex and remittance suite.
Key brands and programs include AU 0101, AU Remit and AU DigiTrade in forex and trade, AU Eternity (premium banking), and relationship programs such as AU Royale and AU Gold .
Operating divisions and industries served: AU SFB’s assets are organised into four core verticals—Retail Secured Assets (66%), Commercial Banking (~21%), Inclusive Banking (6%) and Unsecured Loans (3%)—alongside a strong Deposits vertical. These serve households and entrepreneurs across urban and “Swadesh” (rural/semi‑urban) markets, MSMEs, agri processors, real estate developers, NBFCs and institutions, supported by trade/FX and transaction banking capabilities.
New launches and digital platforms: Under its AD‑I licence, the Bank launched AU Remit (fully digital outward remittances), AU DigiTrade (digital trade finance), FCNR(B) deposits, and specialised accounts like AU Royale Trade and AU Trade Platinum; forex transaction volumes crossed a H900+ Crore monthly run rate in March 2025. These offerings complement AU 0101 and broaden the Bank’s international banking and EXIM proposition.
AU SFB is a retail‑centric bank offering deposits, payments, secured and unsecured loans, inclusive banking, and commercial banking supported by strong digital channels.
The Bank’s business is in India only, with operations across 21 States and 4 Union Territories and no international presence.
AU Small Finance Bank has made history as the first small finance bank to receive in-principle approval from the RBI to transition into a Universal Bank.
