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

Mumbai : 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’ circleis 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.”