# AU Small Finance Bank

> Source: https://docs.barcoder.ai/docs/wallets/au-small-finance
> research date 2026-06-01 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [AU SFB — official](https://www.aubank.in/)

## Overview

**AU Small Finance Bank** is **Indian small finance commercial bank** + **NSE: AUBANK BSE: 540611** + **Sanjay Agarwal Indian founder family + foreign institutional investors FII ~40%+ + Indian retail + domestic institutional investors free float** + **India's largest small finance bank by assets** + **founded Jan 10 1996 in Jaipur Rajasthan India as AU Financiers NBFC then Apr 19 2017 AU Small Finance Bank commercial banking license under RBI Small Finance Bank framework** + **~50M+ AU SFB customers** <sup>[1][1], [India report](https://docs.barcoder.ai/docs/payments/IN)</sup>.

## History

**Jan 10 1996 — AU Financiers founded in Jaipur Rajasthan India by Sanjay Agarwal as Indian vehicle finance NBFC**.

**Apr 19 2017 — AU Small Finance Bank commercial banking license under RBI Small Finance Bank framework consolidating AU Financiers NBFC into Indian small finance commercial bank** distinctive Indian small finance banking heritage as India's largest small finance bank by assets.

**Apr 9 2024 — AU SFB Fincare Small Finance Bank merger completed consolidating into India's largest small finance bank**.

## Ownership & operator

**Operating entity**: **AU Small Finance Bank Limited** (Indian small finance commercial bank; NSE: AUBANK; BSE: 540611).

**Major shareholders**: **Sanjay Agarwal (Indian founder family) + foreign institutional investors FII ~40%+ + Indian retail + domestic institutional investors free float**.

**Regulators**: **Reserve Bank of India RBI**.

## Technical integration

AU Mobile app (iOS + Android; ~50M+ AU SFB customers) + aubank.in online + AU Small Finance Bank branch network across India + AU Visa + Mastercard + RuPay cards; RuPay Indian national card scheme + EMVCo QRCPS QR payments + Bharat QR (Indian national QR payment scheme) + UPI Unified Payments Interface (Indian instant payments) + Indian Rupee INR domestic transfers.

## Implementations & partners

**Major Indian small finance + commercial banking + payments competitors**: [Ujjivan Small Finance Bank](https://docs.barcoder.ai/docs/wallets/ujjivan-small-finance) (Ujjivan Small Finance Bank) + [Equitas Small Finance Bank](https://docs.barcoder.ai/docs/wallets/equitas-small-finance) (Equitas Small Finance Bank) + Suryoday Small Finance Bank (Suryoday Small Finance Bank) + ESAF Small Finance Bank (ESAF Small Finance Bank) + Utkarsh Small Finance Bank (Utkarsh Small Finance Bank) + [Bandhan Bank / mBandhan](https://docs.barcoder.ai/docs/wallets/bandhan-bank) (Bandhan Bank; Indian universal commercial bank converted from microfinance NBFC) + [UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr) (Unified Payments Interface UPI).

**Regulators**: Reserve Bank of India RBI.

## Status

**Active, Indian small finance commercial bank + NSE:AUBANK BSE:540611 + Sanjay Agarwal Indian founder family + India's largest small finance bank by assets + founded Jan 10 1996 in Jaipur Rajasthan India as AU Financiers NBFC then Apr 19 2017 AU Small Finance Bank commercial banking license + Apr 9 2024 Fincare merger + ~50M+ AU SFB customers** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.aubank.in/ "AU SFB — official"
[2]: https://en.wikipedia.org/wiki/AU_Small_Finance_Bank "AU SFB — Wikipedia"
[in-cro]: https://docs.barcoder.ai/docs/payments/IN

- [1] [AU SFB — official][1]
- [2] [AU SFB — Wikipedia][2]
- <sup>[India report](https://docs.barcoder.ai/docs/payments/IN)</sup> In-corpus: `reports/countries/IN-india.md`

## Source

Biography extracted from [au-small-finance.md](https://docs.barcoder.ai/source/wallets/au-small-finance). See `matrix.md` for standards-support matrix if present.