Applying personal loans at AU Small Finance Bank


AU Small Finance Bank is a leading financial institution in India that offers a wide range of banking services, including personal loans. If you are looking for a personal loan, AU Small Finance Bank may be the right choice for you. In this article, we will guide you through the process of getting a personal loan from AU Small Finance Bank.

Step 1: Check Your Eligibility

The first step in getting a personal loan from AU Small Finance Bank is to check your eligibility. Eligibility criteria are the set of conditions that you must meet in order to qualify for a personal loan. Every bank has its own eligibility criteria, and AU Small Finance Bank is no exception.

The eligibility criteria for a personal loan from AU Small Finance Bank include age, income, credit score, and employment status. The minimum age requirement for a personal loan is 21 years, and the maximum age is 60 years. The bank requires you to have a minimum income of to qualify for a personal loan, a monthly income of at least 15,000 is required. Your credit score is also an important factor in determining your eligibility for a personal loan. Having a credit score of 750 or higher is deemed as good and enhances the likelihood of securing a loan. Finally, your employment status is also considered while checking your eligibility. You need to have a stable job or business with a minimum work experience of 2 years to be eligible for a personal loan.

To check your eligibility for a personal loan from AU Small Finance Bank, you can visit the bank’s website and use the eligibility calculator. The calculator will ask you to enter your age, income, credit score, and employment status. Based on the information you provide; the calculator will tell you whether you are eligible for a personal loan or not.

It is important to check your eligibility before applying for a personal loan as it saves you time and effort. If you do not meet the eligibility criteria, your loan application may get rejected, and you may have to apply to other banks. Therefore, it is always better to check your eligibility beforehand and apply only if you meet the criteria.

Step 2: Select the desired loan amount and duration

Once you have checked your eligibility, you can choose the loan amount and tenure that you require. AU Small Finance Bank offers personal loans ranging from Rs. 50,000 to Rs. 25 lakhs.

The duration of the loan can extend up to 5 years. You can use the loan amount for any personal purpose, such as home renovation, medical expenses, education, or travel.

Step 3: Submit the Application Form

To apply for a personal loan from AU Small Finance Bank, you need to submit an application form. You can download the application form from the bank’s website or visit the nearest branch to collect the form. The application form requires you to provide your personal and financial details, such as name, address, income, employment status, and credit score.

Step 4: Provide the Required Documents

Along with the application form, you need to provide certain documents to support your loan application. The documents required for a personal loan from AU Small Finance Bank include:

  • Identity proof (Aadhaar card, passport, PAN card, or driving license)
  • Documents such as an Aadhaar card, passport, utility bill, or rental agreement can serve as proof of address
  • Proof of income can be established through documents such as salary slips, bank statements, or income tax returns
  • Employment proof (appointment letter, employee ID card, or business registration certificate)

    Make sure that you provide all the required documents in the correct format to avoid any delays in the loan processing.

    Step 5: Awaiting loan approval and disbursement

    Once you have submitted the application form and documents, you need to wait for the loan approval and disbursement. AU Small Finance Bank will verify your application and documents and check your credit score. If your application is approved, the bank will disburse the loan amount to your bank account within a few days.


    Getting a personal loan from AU Small Finance Bank is a simple and hassle-free process. By following the above steps, you can apply for a personal loan and get the required funds to meet your personal needs. Make sure that you read the terms and conditions of the loan carefully before signing the agreement. Also, ensure that you repay the loan on time to avoid any penalties or charges.

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