AUBANK

AU Small Finance Bank Ltd — Company Overview

AU Small Finance Bank Ltd is a leading small finance bank (SFB) in India, headquartered in Jaipur, Rajasthan. It evolved from AU Financiers (India) Ltd, a successful non-banking financial company (NBFC) founded by Sanjay Agarwal in 1996, and received its small finance bank license from the Reserve Bank of India (RBI) in 2017. 🏦 Business Overview AU Small Finance Bank primarily serves retail and MSME (Micro, Small, and Medium Enterprises) segments, focusing on underserved and unbanked populations. The bank provides: Retail loans (vehicle loans, home loans, gold loans) MSME and business loans Digital savings and current accounts Deposits (FDs, RDs) Credit cards and wealth management services The bank operates with a phygital model — combining physical branches with digital banking — and has expanded rapidly across urban and semi-urban India. 💼 Key Financial Highlights (FY24–FY25 trends) Deposits Growth: Strong year-on-year growth in CASA and total deposits, reflecting improving customer trust. Loan Book: Diversified across retail, MSME, and commercial lending. Net Interest Margin (NIM): Among the highest in the small finance bank space. Asset Quality: GNPA and NNPA remain controlled due to prudent risk management. Profitability: Continuous improvement in PAT driven by loan growth and cost efficiencies. 🌐 Digital Initiatives AU Bank has invested heavily in technology: Launched AU0101, a full-featured mobile banking app. Offers video banking, instant account opening, and digital KYC. Collaborates with fintechs for customer acquisition and service innovation. 🧑‍💼 Leadership