AU Small Finance Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.

Key facts

Best for
Indian borrowers with a good credit record who want a quick personal or consolidation loan straight from a bank.
APR
up to 30% (Source, checked September 26, 2026)
Loan amount
₹25,000 to ₹1,500,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
Up to 4% of approved loan amount, minimum INR 2,000 (Source, checked September 26, 2026)
Funding time
Within 24 hours (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Indian resident, 21 years minimum at application, 65 years maximum at loan maturity (Source, checked September 26, 2026)
Origination fee (%)
up to 4% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
AU Small Finance Bank Limited (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
aubank.in

Mortgages

Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
AU Small Finance Bank Limited (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXyoutube.com

Pros and cons

Pros

  • Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
  • A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
  • Support runs on phone, email and chat once the loan is set up.
  • A 12 to 60 term lets you match the loan to the life of the debt.

Cons

  • Free early repayment is not offered, so clearing the balance early can cost money.
  • An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
  • Applicants need a good credit record, which rules out weaker credit files.
AU Small Finance Bank

Ready to try AU Small Finance Bank?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with a good credit record in India who want a personal loan or debt consolidation.
  • People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
  • Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.

Who should look elsewhere

  • Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
  • Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
  • Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.

Safety and regulation

AU Small Finance Bank is a direct lender, so the loan comes straight from the bank rather than a broker. The Reserve Bank of India is its regulator in India, and it is the body that supervises the lender behind your personal loan. The rate and the origination fee you are quoted come from the lender itself, not an intermediary.

Who runs it

AU Small Finance Bank Limited is the legal entity, headquartered in India and founded in 1996. Support runs on phone, email and chat, so phone, email, chat and a help centre are all open for questions on an application or a loan already running. The same desk handles personal and debt consolidation queries.

How AU Small Finance Bank compares

Where AU Small Finance Bank is available

Available
India
Licence in India
Reserve Bank of India, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a AU Small Finance Bank personal loan?+

The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.

What fees are added to the loan?+

An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.

Can I pay the loan off early?+

Free early repayment is not offered on this personal loan, so clearing the balance before the end of the term can carry a cost. Borrowers who expect to settle early should weigh that against the fixed rate and a term of 12 to 60.

Is AU Small Finance Bank regulated?+

Yes. It is regulated by the Reserve Bank of India and operates as a direct lender with headquarters in India. Lending comes from the bank itself rather than a broker, so the terms on your offer are set by the regulated lender.

Who can borrow from it?+

Applicants must be Indian residents, within a minimum age when they apply and within a maximum age when the loan matures. A good credit record is expected, and personal and debt consolidation covers both personal and debt consolidation borrowing.

How much can I borrow and for how long?+

Personal loans run INR 25,000 to INR 1,500,000, with terms of 12 to 60. That range covers a modest top up as well as a larger consolidation loan, and the same day funding feature means the money can move the same day the loan is set up.

How quickly is the money paid out?+

Funding runs Within 24 hours once the application is approved, and the offer is listed with same day funding. The wait is short enough to plan a deadline around, which suits a borrower consolidating bills or facing an urgent payment.

Sources

  • au.bank.in checked September 26, 2026

    Backs: Legal entity

    “(c) Copyright AU Small Finance Bank Limited”

  • au.bank.in/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Licences

    “Founded in 1996 by Mr. Sanjay Agarwal”

  • au.bank.in/personal-banking/home-loan checked September 26, 2026

    Backs: Purpose

    “Home Purchase Loan, Home Construction Loan, Home Improvement Loan, Home Loan Balance Transfer, Home Top Up Loan”

  • au.bank.in/personal-banking/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term

    “The minimum amount offered is INR 25,000.”

  • au.bank.in/support/contact-us checked September 26, 2026

    Backs: Support channels

    “Call us - 24*7 Customer Care”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

AU Small Finance Bank

AU Small Finance Bank

Indian borrowers with a good credit record who want a quick personal or consolidation loan straight from a bank.

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings