AU Small Finance Bank is a scheduled commercial bank headquartered in Jaipur, Rajasthan. The bank was originally incorporated in 1996 as Au Financiers (India) Limited and later converted into a small finance bank in April 2017. The bank offers a wide range of financial products and services to retail, MSME, agriculture, and corporate customers.
The bank has a strong presence in the states of Rajasthan, Gujarat, Maharashtra, Madhya Pradesh, Uttar Pradesh, Delhi NCR, Punjab, Haryana, Bihar, and West Bengal. As of March 2021, the bank had 1,007 branches and 4,000+ business correspondents across these states.
One of the key features of AU Bank is its digital banking platform, which allows customers to access a range of banking services through their mobile phones or computers. The bank’s mobile app offers features such as account opening, fund transfer, bill payment, and investment options. In addition, the bank has also launched a chatbot named Ella, which can assist customers with their queries related to banking products and services.
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AU Bank offers a wide range of banking products and services to meet the needs of various customer segments. Some of the key offerings of the bank are:
Savings Accounts: AU Bank offers different types of savings accounts, such as Regular Savings Account, Women’s Savings Account, Senior Citizen Savings Account, etc., with competitive interest rates and additional benefits.
Current Accounts: The bank offers current accounts for businesses with flexible transaction limits, cash management solutions, and other value-added services.
Fixed Deposits: AU Bank offers fixed deposit schemes with flexible tenures and attractive interest rates ranging from 3.50% to 6.50%. Customers can choose from various FD options like Regular Fixed Deposit, Tax Saver Fixed Deposit, and Super Saver Deposit.
Loans: AU Bank offers a comprehensive range of loans to cater to the needs of retail, MSME, agriculture, and corporate customers. Some of the popular loan products offered by the bank are Personal Loan, Business Loan, Home Loan, Gold Loan, etc.
Cards: The bank offers a range of credit cards and debit cards with various features and benefits, such as cashback, reward points, discounts on dining and shopping, etc.
Insurance: AU Bank has tied up with leading insurance companies to offer a range of insurance products such as life insurance, health insurance, motor insurance, etc.
Investments: The bank offers a range of investment options like mutual funds, fixed deposits, recurring deposits, national pension scheme, etc.
AU Bank has received several awards and recognitions for its innovative products and services. In 2020, the bank was recognized as the Best Small Finance Bank at the Business Today-Money Today Financial Awards. The bank also won the prestigious Celent Model Bank Award in 2019 for its digital initiatives.
In conclusion, AU Small Finance Bank is a rapidly growing bank with a strong focus on digital banking and customer-centricity. With a wide range of products and services catering to various customer segments and a robust distribution network, the bank is well-positioned to capitalize on the growth opportunities in the Indian banking sector.