AU Small Finance Bank Personal Loan

What is an AU Small Finance Bank Personal Loan?

An AU Small Finance Bank personal loan is an unsecured borrowing option meant for individual financial needs. No asset or guarantee is asked for, which makes the process easier for borrowers who want quick support. The repayment period can extend up to five years, allowing enough room to plan monthly outgo without pressure.

• A personal loan from AU Small Finance Bank is generally used for short or mid-term requirements.
• The structure stays simple, focusing on ease of access, predictable EMIs, and a mostly digital experience.
• Many borrowers prefer it for its faster turnaround compared to traditional loan routes.

What are the Features and Benefits of the AU Small Finance Bank Personal Loan?

An AU Bank personal loan online is designed for faster processing, flexible repayment options, and minimal documentation. It fits borrowers who want control over repayments without lengthy formalities. An AU small finance personal loan also works well for consolidating expenses or planning upcoming costs without long waiting periods.

• Loan tenure options range between 12 and 60 months
• No collateral or guarantor required
• Fully digital application flow with minimal steps
• Flexible repayment structure based on borrower comfort
• Suitable for multiple personal needs without usage restrictions

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What are the Eligibility Criteria for the AU Small Finance Bank Personal Loan?

Eligibility for an AU Small Bank personal loan is determined based on basic personal and financial criteria. The bank keeps the criteria clear so applicants know where they stand early. Meeting the conditions mentioned below improves the chances of approval for a personal loan from AU Bank.

• Applicant must be an Indian resident
• Minimum age at application is 23 years
• Maximum age at loan maturity is 60 years
• Repayment tenure can range from 12 to 60 months
• Loan amount eligibility can go up to ₹10,00,000

What Factors Affect Eligibility for the AU Small Finance Bank Personal Loan?

Approval for an AU Small Finance personal loan depends on more than just age and income. The bank reviews the borrower’s overall financial behaviour before taking a call.

• Monthly income level and income stability
• Credit score and repayment history
• Employment continuity and work profile
• Existing financial obligations or ongoing loans
• Loan amount requested compared to repayment capacity

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What Fees and Charges apply to the AU Small Finance Bank Personal Loan?

Charges linked to an AU Bank personal loan are shared upfront to avoid confusion later. These fees depend on loan size and repayment behaviour.

1. Processing fee up to 4% of the approved loan amount, plus applicable taxes
2. No separate documentation or administration charges
3. Overdue interest is charged at 3% per month on the outstanding amount
4. Prepayment or foreclosure charges:

• 5% of the balance if closed before 12 months
• 3% of the balance if closed after 12 months

What are the Interest Rates on the AU Small Finance Bank Personal Loan?

Interest rates on an AU Small Finance Bank personal loan vary based on borrower profile and internal assessment. The bank does not offer a single fixed rate for all applicants.

Disclaimer: Interest rates are subject to change based on bank policy, regulatory updates, and borrower assessment. Final rates are confirmed only at the time of loan approval.

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What Documents are required for an AU Small Finance Bank Personal Loan?

Documentation for an AU Finance personal loan application process is kept simple to avoid delays. The bank may request additional documents depending on the individual case.

• Aadhaar card linked to mobile number
• Identity and address proof as required
• Additional documents may be requested during verification

How can you apply for an AU Small Finance Bank Personal Loan through Urban Money?

Apply online for an AU Bank personal loan through Urban Money. The online route is usually faster and more convenient.

• Visit the Urban Money platform and select “products & offers”.
• Go to the NBFC section and select AU Small Finance Bank.
• Enter personal and financial details such as name, mobile number, and city.
• Enter the OPT received on your mobile number.
• Check available or pre-approved offers, if any
• Complete verification steps
• The loan amount is disbursed after approval from Urban Money.

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