🇮🇳 India

AU Small Finance Bank Last updated2026-05-28

AU Small Finance Bank EMI Calculator 2026 rates.

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Quick answer

AU Small Finance Bank home loan rate starts at 9% (typical 10.5%) as of 2026. A ₹50 lakh loan at 10.5% over 20 years = an EMI of approximately ₹49,919/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

AU Small Finance Bank loan rates (May 2026)

🏠 Home Loan

9–13.5%

typical: 10.5% p.a.

💵 Personal Loan

12.5–24%

typical: 15.5% p.a.

🚗 Car Loan

9.25–15.5%

typical: 11.25% p.a.

💳 Processing Fee

1.0% of loan amount (capped at Rs. 25000)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans per RBI guidelines. 2-5% charges on fixed-rate, vehicle, and personal loans in early tenure, reducing over time.

About AU Small Finance Bank

Why choose AU Small Finance Bank?

AU Small Finance Bank is India's largest SFB by AUM (over Rs. 1 lakh crore post-Fincare merger in 2024), evolving from a vehicle finance NBFC founded in 1996. With strong retail liabilities, credit cards (in partnership with networks), and a diversified asset book spanning vehicle, home, MSE, and gold loans, AU is increasingly positioned more like a universal bank than a typical SFB.

🎯 Unique angle

Product highlights

✓ vehicle loan customers
✓ home loan borrowers
✓ MSE owners
✓ savers seeking higher FD rates

❓ AU Small Finance Bank FAQ

Common questions.

Who should apply for an AU Small Finance Bank loan?

AU SFB is suited for vehicle buyers (their legacy strength), affordable housing borrowers, MSE owners, and credit card users seeking competitive cashback. With the 2024 Fincare merger, microfinance and gold loans are now also strong offerings. Savers benefit from FD rates 50-100 bps higher than large banks.

How does AU SFB compare to large private banks?

AU SFB rates are now within 25-75 basis points of HDFC/ICICI for prime customers, while offering higher savings and FD rates. Its credit card portfolio and digital banking are competitive. The main difference is geographic concentration in Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh.

What is the eligibility for AU SFB loans?

Age 21-65 (70 for some products), minimum Rs. 25,000 monthly income for salaried, 2-3 years business vintage for self-employed. CIBIL above 700 preferred for best rates. Loan-to-value capped at 80% for home loans, 85% for vehicle loans.

What is AU SFB's prepayment policy?

Floating rate home loans have zero prepayment charges as per RBI guidelines. Vehicle loans attract 4-5% foreclosure charges in the first year, reducing to 2% after 24 months. Personal loans have 4% foreclosure charges with no partial prepayment penalty after 6 EMIs.

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