What AU Small Finance Bank asks for on personal, home, business, vehicle loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with AU Small Finance Bank and the other 39 lenders we track. It does not touch your credit score.
How AU Small Finance Bank tends to lend (our read): Small-finance-bank underwriting: comfortable with cash-salaried and informal-income borrowers on secured products, tighter tickets on unsecured ones (Rs 15 lakh personal loan cap); business banking wants 3 years in the same line of trade. Lends in: Metro, Tier 2, Tier 3 / other locations.
AU Small Finance Bank Personal Loan Eligibility
Inferred
By ClearToLend's estimate (not a rule AU Small Finance Bank publishes). See the source card.
Age
21 to 65 years (age when the loan ends)
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Loan amount
₹25,000 to ₹15,00,000
Tenure
1 year to 5 years
Fees and charges
Processing up to 4% of the approved loan (minimum Rs 2,000) + taxes; overdue interest 3% a month; foreclosure not allowed in the first 6 months, then 5% of the balance up to month 12 and 3% after.
Documents AU Small Finance Bank lists
Loan application form
KYC documents
Financial documents
Banking documents
Research notes
AU's product page publishes Indian residents aged 21 at application to 65 at maturity, Rs 25,000 to Rs 15 lakh (the FAQ on the same page still says Rs 10 lakh) over 12 to 60 months, unsecured, at rates up to 30% (no lower bound is published, so no rate block is set). AU publishes no income floor or minimum score: the Rs 15,000 floor comes from AU's eligibility blog, which calls it a common private-bank benchmark, and 750 is the page's 'good score' guidance, so the block is tagged inferred.
By ClearToLend's estimate (not a rule AU Small Finance Bank publishes). See the source card.
Age
21 to 70 years (age when the loan ends)
Minimum income
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹2,00,000 to ₹5,00,00,000
Tenure
1 year to 30 years
Documents AU Small Finance Bank lists
KYC: passport, voter ID, Aadhaar, PAN or driving licence
Salaried: salary slips, bank statements and Form 16 (salary certificate for cash-salaried)
Self-employed: ITR and financial statements for the last 3 years, or informal income documents
Signed application form with photograph and processing-fee cheque
Proof of business existence
Last 6 months' bank statements
Property: allotment letter / seller's agreement and receipts of payments to the builder or developer
Research notes
AU's Home Purchase Loan page publishes Indian residents aged 21 to 70 at maturity, a Rs 2 lakh minimum and tenure of 1 to 30 years for bank-salaried borrowers (20 years for cash-salaried and self-employed), with formal and informal income accepted. The 8% starting rate and profile-dependent FOIR / LTV come from AU's FAQ, and the 50% FOIR and 90% LTV from its eligibility blog, so no rate block is set. No income floor, score, vintage or amount cap is published: the Rs 10,000 floor, 2-year vintage and Rs 5 crore cap are our estimates, so the block is tagged inferred.
By ClearToLend's estimate (not a rule AU Small Finance Bank publishes). See the source card.
Age
21 to 65 years (age when the loan ends)
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Business vintage
3 years or more
Annual turnover
₹10,00,000 or more
Filed ITR
1 year
Loan amount
₹2,00,000 to ₹50,00,000
Tenure
1 year to 5 years
Documents AU Small Finance Bank lists
Loan application form
KYC documents (business and promoters)
Financial documents
Banking documents / bank statements
Property documents (secured variant)
Research notes
AU publishes only FAQ-level business criteria: its Business Banking FAQ gives minimum age 21, 3 years in the same line of business and a Rs 10 lakh minimum, its Secured Business Loan FAQ gives age 18 and a typical 1 to 15 year tenure, and the Micro Business Loan page starts at Rs 2 lakh. Maximum age, turnover, score, amount cap and tenure are not published, so every value here is an estimate (65 at maturity, Rs 10 lakh turnover, 750 preferred, Rs 2 lakh to Rs 50 lakh over 12 to 60 months).
By ClearToLend's estimate (not a rule AU Small Finance Bank publishes). See the source card.
Age
18 to - years
Employment
Salaried or self-employed
Vehicles financed
New car
Tenure
6 months to 5 years
Fees and charges
Processing up to 2% of the loan amount; documentation up to Rs 5,000; foreclosure 5% of the balance before 12 months, 4% after; cheque / ACH return Rs 500; penal Rs 0.65 per Rs 1,000 per day on the overdue instalment.
Documents AU Small Finance Bank lists
Loan application form
Identity proof and address proof (KYC as per AU policy)
Income proof and other documents used to calculate eligibility
Repayment instrument
Research notes
AU's New Car Loan page assesses income, residence stability, down payment, cash flow and credit history but publishes no income floor, maximum age or score; minimum age 18 for personal vehicles comes from the vehicle-loan FAQ (21 commercial, 24 heavy commercial), so the block is inferred. Funding is up to 100% of ex-showroom price net of discounts (insurance and registration excluded), which is not an on-road LTV, so no maxLtv is set. Minimum loan Rs 20,000 with no published maximum (no amount block); only a maximum rate of 17% is published (no rate block).
ClearToLend is not affiliated with or endorsed by AU Small Finance Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with AU Small Finance Bank before you apply. A match is not a loan offer or approval.
AU Small Finance Bank Loan FAQs
The minimum net monthly income is ₹15,000, by ClearToLend's estimate (not a rule AU Small Finance Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 65 when the loan ends, by ClearToLend's estimate (not a rule AU Small Finance Bank publishes).
The minimum net monthly income is ₹10,000, by ClearToLend's estimate (not a rule AU Small Finance Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 70 when the loan ends, by ClearToLend's estimate (not a rule AU Small Finance Bank publishes).
You need to be at least 21 and no older than 65 when the loan ends, by ClearToLend's estimate (not a rule AU Small Finance Bank publishes).
No. ClearToLend compares your details with AU Small Finance Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with AU Small Finance Bank and does not send your details to it.
