Fincare Small Finance Bank

About Us

Established in 2017, Fincare Small Finance Bank quickly evolved into a Scheduled Commercial Bank, prioritizing financial inclusion. Guided by “The Fincare Way” it emphasizes business excellence through principles like Rurban approach, customer delight, values, win-win partnerships, compliance, predictable results, futuristic thinking, and technology-led processes.

Pursuant to the merger of Fincare Small Finance Bank with AU Small Finance Bank, with effect from April 1, 2024, the combined bank shall be a pan-India banking powerhouse serving 1.06 Crore customers spread across 25 states/UTs, 2352 touch points, serviced by a workforce of 43000+.

Our Journey:

The genesis of Fincare Small Finance Bank was the coming together of 2 NBFC Micro Finance Institutions, Future Financial Services and Disha Microfin. In May 2017, Disha Microfin received the final license from the RBI under section 22 of the Banking Regulation Act, 1949, to launch banking operations. The Bank commenced banking operations on 21st July 2017, with a vision to enable the financial inclusion of the unbanked and underbanked customer segments, including microentrepreneurs and microenterprises and mass with the active participation of the affluent.

In the first quarter of FY20, Fincare Small Finance Bank was included in the Second Schedule of the Reserve Bank of India Act, 1934. By virtue of this, our Bank became a Scheduled Commercial Bank, a status that reflects the highest degree of trust and good governance.

In March 2024, the Reserve Bank of India (RBI) approved a scheme of amalgamation of Fincare Small Finance Bank with and into AU Small Finance Bank, with effect from April 1, 2024. This strategic move reflects the aspirations of our bank to enhance our impact on the financial inclusion landscape by enhancing accessibility, availability and affordability of a wider suite of products across an expanded footprint and digital ecosystem.

The Digital Paradigm

Since inception, digital has been the operating paradigm, a force multiplier that enables us to aspire to become the best-in-class in the banking landscape in India. We recognize digital as the currency that is radically changing India’s future and in particular banking.  With a 3D approach viz. Digital, Doorstep and delightful Deposit rates, we are confident of becoming a force to reckon and a ‘Smart Bank of choice’ for our target segments.

Empowering Principles: Our Values


Deliver banking that is fair, transparent and dignified-zero tolerance for mis-selling & YOU first approach empowering customers to exercise options most valuable to them!


No innovation for the sake of innovation but innovation for achieving a greater purpose!


Understanding the pulse of the market and delivering robust responses to changing needs and a fast evolving environment! Merging flexibility, simplicity and sustainability is at the core of the way we do business!


Victory of all is better than victory of some. We believe in the power of collaboration for everything- our design, our decisions and our execution! The ‘organization wins’ is the spirit!


Delivery backing every word promised with action!


Shift from a ‘values based culture’ to ‘passionate about values’ to go that extra mile and some more…


Striving for excellence to go above and beyond a ‘good bank’ to a ‘great bank’!


Vision: To facilitate financial inclusion of the unbanked and underbanked households in India with active participation of the more affluent customer segments.


Mission: To build a best-in-class digital bank delivering value to all stakeholders.

The Fincare Way, its guiding principles, are the key drivers of business excellence and include, Rurban approach, Think customer delight, Passionate about values, Win-Win partnerships, Compliance in letter and spirit, Deliver predictable results, Imagine the future & Technology led processes.

The Bank Story

The Bank Story

Our community is our strength

Fincare Small Finance Bank believes in a holistic growth of business and rides the dual goals of commercial success combined with social impact. The Bank has a dedicated team committed to the social goals of the bank, who carry out various developmental activities in order to make a difference to the communities we serve.

Awards and Achievements

Leadership that drives excellence

Delivering exceptional financial services and personalized support to help you reach your goals.

Empower your Future

Join Fincare for a fulfilling career built on passion, innovation, and purpose. Whether you’re a fresh graduate or an experienced professional, our dynamic team has inspiring opportunities waiting for you.

Investor Relations

We strive to maintain open and transparent communication with our valued investors, providing timely updates and insights to foster a strong and trusting relationship.

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