AU Small Finance Bank launches ‘M’ circle: Curated Banking for Women

POSTED BY: MRUNALI, 06 NOVEMBER 2025 (8850212023)

Celebrating individuality, ‘M’ circle offers women smart money solutions, wellness privileges, and lifestyle rewards that celebrate her many milestones.

Mumbai, (RMN.IN): AU Small Finance Bank (AU SFB), India’s largest Small Finance Bank and the first to receive in-principle approval from the Reserve Bank of India to transition into a Universal Bank, today unveiled ‘M’ circle, a distinctive women’s banking proposition designed to offer personalized privileges, curated financial solutions, and exclusive lifestyle experiences tailored to their unique needs and aspirations.

Indian women have always been key contributors to the country’s economic growth, ever so increasingly now with 23 pc of urban women being primary financial decision makers in their households and women-led small businesses growing at an impressive 13.5 pc CAGR. As Indian women getting far more conscious about wealth creation, preserving and protecting her legacy, and lifestyle, it is imperative for banks to focus beyond traditional deposits and loans, and meet their evolving needs.

As AU SFB is deeply engaged with women consumers to understand the evolving aspirations and banking challenges, some of the facets which emerged were:  

• Digital Banking with Trust: Women want to leverage digital banking, but trust must be built by demonstrating seamless experiences and robust security measures
• Health & Wellness and Financial Literacy: Women recognise the importance of health and financial wellness in achieving their goals and securing their financial future.
• Relationship Managers as Allies: Women appreciate the guidance and support of RMs, who can provide unbiased personalised advice and solutions.
• Personalised Perks: Women prefer tailored benefits that cater to their individual needs, rather than generic family benefits.

Introducing ‘M’ circle

‘M’ circle honours the multifaceted woman – her dreams, her aspirations, and her pursuit of more. ‘M’ is the many milestones and moments that shape her life’s journey. 

Designed for the woman who effortlessly pursues new ambitions, and lives life in all its dimensions, ‘M’ circle 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.

Unlike conventional banking programs that offer a single women-centric account, ‘M’ circle introduces an exclusive layer of benefits that go beyond AU SFB’s premium offerings i.e. AU ivy, AU Eternity, AU Royale, and AU Platinum, across savings, current, and NRI account variants.

Key Features & Benefits

• Exclusive Banking Privileges: 25% additional discount on locker rentals; preferential loan rates with 0.2% lower interest
• Smart Financial Independence Solutions: Curated investment programs and financial literacy initiatives tailored for women to accelerate independence and progress towards life goals.
• Community & Conversations: Access curated content, expert sessions, and peer stories to build financial confidence together.
• Healthcare & Wellness: Complimentary preventive health check-ups (including cancer screenings); Unlimited online consultations and offline visits across specialties such Gynaecology, Paediatrics & more 1-year Cult home membership with discounts on Cult Gyms; Pharmacy & Diagnostics Savings. 
• Lifestyle & Shopping Benefits: Exclusive offers on Nykaa, Ajio Luxe, Kalyan Jewellers, BookMyShow, Zepto and Swiggy 
• Business Solutions (For Women Entrepreneurs): Complimentary business essentials (UPI QR, POS, Payment Gateway, Visiting Cards); tax & accounting support; branding and marketing offers; smart bookkeeping and CRM tools via ZOHO Books.

Uttam Tibrewal, Executive Director & Deputy CEO, AU Small Finance Bank, said,  “At AU SFB, we recognise that women from diverse backgrounds and professions, be it homemakers, salaried professionals, or entrepreneurs have distinct financial needs and aspirations. With ‘M’ circle, we are committed to providing a thoughtful and personalised banking experience that caters to their unique requirements, honours their individuality, celebrates their success, and supports their aspirations. Whether she is managing household finances, climbing the corporate ladder, or building her own business, ‘M’ circle is designed to support her at every step. AU SFB is proud to be part of the journey of millions of women in India, and we look forward to serving them with dignity, respect, and care.”

About AU Small Finance Bank

AU Small Finance Bank Limited (AU SFB) is a Scheduled Commercial Bank and has established itself as India’s largest Small Finance Bank since commencing its banking journey in April 2017. Founded in 1996 by Mr. Sanjay Agarwal, a first-generation entrepreneur, AU enters its 30th year of operations with a legacy of deep-rooted “Dharma” of customer centric service—having built, over three decades including more than eight years as a bank, a sustainable and inclusive financial institution that empowers underserved and under-reached communities through a robust retail banking model. AU has received an in-principle approval from the Reserve Bank of India (RBI) to transition to a Universal Bank.

With deep customer insight across India, AU provides comprehensive banking solutions across deposits, loans, credit cards, premium banking, remittance services, merchant solutions, insurance, and investments. As a tech-led bank, AU offers differentiated digital experiences through innovations like 24×7 video banking, WhatsApp Banking, Chatbots, UPI QRs, merchant lending, and its award-winning AU 0101 app.

AU SFB’s wide network of over 2,626 banking touchpoints across 21 States and 4 Union Territories enables service to more than 1.2 crore customers, powered by a workforce of 57,800+ employees. As on 30th September’25, Bank has a Shareholders Funds of ₹18,316 Cr, Deposit base of ₹1,32,509 Cr, Total Loan Portfolio of ₹1,22,877 Cr and a Balance sheet size of ₹1.65 Lac Cr+. 

AU SFB is listed on NSE and BSE and is rated ‘AA/Stable’ by CRISIL Ratings, ICRA Ltd., CARE Ratings, and India Ratings. Its Fixed Deposits carry a ‘AA+/Stable’ rating from CRISIL Ratings, reflecting its financial strength and investor trust.