AU Small Finance Bank (AU SFB), India’s largest Small Finance Bank and the first in over a decade to receive inprinciple approval to transition into a Universal Bank, announced a significant milestone on the occasion of International Women’s Day. The Bank’s womenfocused programme, ‘M’ has crossed 30,000 women customers since its launch in November 2025(an average of 7,500 women customers per month), reflecting the growing participation of women in formal and digital-first banking across India.
Designed for the woman who effortlessly pursues new ambitions and lives life in all its dimensions, ‘M’ is for the ‘M’ in every woman – the Me and the Myself, celebrating her individuality, her choices, and the grace with which she defines her own journey. In November 2025, AU SFB launched ‘M’, a distinctive women’s banking proposition offering personalised privileges, curated financial solutions, and exclusive lifestyle experiences tailored to their unique needs and aspirations.
Currently, AU SFB’s ‘M’ continues to see strong adoption from homemakers and selfemployed women, segments historically underrepresented in formal finance but now displaying greater financial discipline and deeper engagement. The selfemployed cohort has emerged as the most financially active, with an average ticket size higher than other
customer cohorts within the ‘M’ community.
While customers are joining from across the country, the fastest growth is being recorded in: Jaipur, Surat, Ahmedabad, Jodhpur and key districts of Haryana. This reflects rising aspirations among women in highgrowth regional markets and a preference for simple, accessible and wellbeingfocused financial solutions.
A key differentiator of ‘M’ is an exclusive 0.2% lower interest rate on both Wheels Loans
and Micro Business Loans, offering better affordability and enhanced value. This insightled benefit strengthens support for mobility, microentrepreneurship and longterm financial empowerment.
Digital behaviour under ‘M’ continues to deepen: 60% of women customers actively use
mobile banking; and 40% transact regularly through UPI. Women enrolled under ‘M’ are also showing early signs of interest in structured, longterm planning tools. The ‘M’ Investment Combo on the AU0101 app is helping women explore more goallinked financial options and gradually diversify beyond traditional savings patterns.
International Women’s Day Lifestyle Benefits
To celebrate International Women’s Day, AU SFB has curated exclusive lifestyle benefits
across beauty, personal care, fashion, wellness, jewellery, and gifting. These offers are
available to AU Debit Card holders under the ‘M’ banking programme, with most valid until March 31, 2026. The curated benefits further strengthen the ‘M’ proposition by delivering meaningful value aligned with women’s evolving lifestyle needs and financial preferences.
Uttam Tibrewal, ED & Deputy CEO, AU Small Finance Bank, said, “Women today are engaging with banking in a far more strategic and empowered manner. We are witnessing a rise in financial confidence, longterm thinking and valuedriven participation. This is beyond inclusion; it is genuine financial independence. With ‘M’, our endeavour is to support these everyday financial journeys with solutions that strengthen independence and longterm wellbeing.”
Actor Rashmika Mandanna, Brand Ambassador for AU Small Finance Bank, added, “It’s inspiring to see women across India embracing digital banking, planning their finances and even building small businesses with greater confidence. ‘M’ is supporting these transitions meaningfully and helping women take steady steps toward financial independence.”
‘M’is evolving into a comprehensive platform that helps women:
build financial confidence
pursue microentrepreneurship
access structured credit
adopt digital tools for daily money management
plan longterm wealth creation
With its expanding suite of benefits, digital capabilities and womencentric propositions,
‘M’aims to deepen women’s participation in India’s formal financial ecosystem and strengthen AU SFB’s commitment to supporting women across the country.