Small finance bank
AU Small Finance Bank
A small finance bank with roots in vehicle finance and a growing secured lending franchise.
Best for: Vehicle buyers and small businesses in North and West India.
Apply with pre-screening
We check your profile against AU SFB's policy and others on the panel before any application.
Typical strengths
- Vehicle finance heritage
- Secured business loans
- Strong presence in Rajasthan and western India
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by AU Small Finance Bank under its credit policy.
Products
What we arrange with AU SFB
- Home Loan
- Loan Against Property
- Business Loan
- Car Loan
- Used Car Loan
- Personal Loan
- Gold Loan
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Car Loan
New car loans covering up to 100% of on-road price at rates from about 8.5% p.a., with tenures up to 7 years, across banks and captive finance companies.
- Rate from
- 8.50% p.a.
- Up to
- ₹2 Cr
Our read
Where AU SFB fits
AU Small Finance Bank grew out of vehicle finance, and that origin still shapes it. Underwriting understands assets, which makes it a strong option for vehicle purchases and for secured business lending where the security is doing real work in the assessment.
Its presence across Rajasthan and western India is deeper than the national names, so a borrower there often gets a more attentive file. As a bank rather than an NBFC it can price better than a comparable finance company, which makes it a useful middle option.
Worth knowing
- Regional depth is a real advantage and a real limit; coverage elsewhere is thinner.
- The strength is in secured lending, so an unsecured file may be better placed with a lender built for it.
Our assessment, not a statement of AU Small Finance Bank’s policy. Terms are set by the lender and can change.
Questions
AU SFB: common questions
Is it a bank or a finance company?
A small finance bank, which usually means better pricing than a comparable NBFC with more flexibility than a large bank. It often sits usefully between the two.
Why is it good for vehicle loans?
The business grew out of vehicle finance, so the underwriting understands the asset. That tends to help a borrower whose profile is otherwise ordinary.
Does location matter?
Yes. Presence is deepest across Rajasthan and western India, where files get more attention. Elsewhere we usually compare it against stronger local options.
Is AU SFB the right lender for you?
Share your requirement and we will compare it against the whole panel, at no cost and with no bureau enquiry.