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LEADING CHANGE - Mr. SANJAY AGARWAL NOMINATED FOR THE ERNST & YOUNG (E&Y) ENTREPRENEUR OF THE YEAR AWARD 2014, INDIA | Kedaara picks up 9.98% stake in the company through a maiden investment in the financial services sector | FITCH assigns company’s credit rating. | IFC lends $25 million to Au through its maiden NCD issue to a NBFC. | Company raised 21 MN US$ in 4th Round of Equity Raising via Preferential Offer of Shares to Promoters, Investors and Motilal Oswal Securities Ltd|Investment in Mpower Micro Finance….Nurture Dreams to Transform Lives.| Au Financiers in the latest edition of FORBES INDIA in its special section “14 Hidden Gems" | Au Financiers signed Preferred Financiers MOU with Hyundai Motors India Ltd. | ChrysCapital picks up 10.00% stake in the company. | Company raised long-term unsecured debt in the form of Non-Convertible Debentures of USD 60 million (around Rs 330 Crores) from three multilateral agencies of Europe viz. FMO - a Dutch Development Bank, CDC Group Plc - a UK -based development finance institution and GuarantCo | Piaggio Vehicles Private Limited(PVPL) sign up Au FINANCIERs as "Preferred Financier" for financing their products.... | Au Financiers attracts additional investment of $50 million by Warburg Pincus and existing investor IFC | Our Story in IFC SME Publication 2011, Vol 5/Issue 1 | Maruti Suzuki sign up Au FINANCIERs as "Preferred Financier" for financing their products.. | Au FINANCIERS(The Only Indian Company) nominated for FT/IFC Sustainable Finance Awards, 2011 for achievement in financing at The Base of the Pyramid. 
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Overview

Au FINANCIERS (INDIA) LIMITED is a Non Banking Finance Company, registered with Reserve Bank of India, incorporated in the year 1996 under the provisions of the Companies Act, 1956 by Mr. Sanjay Agarwal, Chartered Accountant and first generation entrepreneur.

We are Systemically Important Asset Finance Company (NBFC-ND-AFC-SI) of Rajasthan. We are registered as Non Deposit accepting NBFC with RBI. We are a leading Non-banking finance company (NBFC) engaged in business of originating Small Road Transport Operator (SRTO) and Micro, Small and Medium Enterprise (MSME) loans in rural and semi-urban areas, SME and Structured Finance (SSF) loans, Housing and builder finance , and insurance broking services through separate verticals and subsidiary and associate companies.

Our offerings

Vehicle Loans:

The Company is primarily engaged in originating and underwriting secured loans for commercial vehicles. It provides loans for new vehicles and second-hand vehicles including refinancing. It offers loans for heavy and light commercial vehicles, multi-utility vehicles, tractors and three wheelers. The loans originated and disbursed qualify under Priority sector advances.

Small Secured Business Loans (MSME):

The Company offers loans to micro and small manufacturers & service enterprises, tiny units and agriculture based SME activities. These Loans are mainly facilitating needs like equipment purchase, business expansion, new business start-up, technology up-gradation, working capital requirement, erection of building and sheds etc.

Housing Finance Subsidiary: Company has also floated its Housing Finance subsidiary company in name of “Au HOUSING FINANCE LIMITED” which started its business from March, 2012 for housing finance business post receiving the license from National Housing Bank (NHB) in August, 2011.

SME and Structured Finance :

The Company started looking at SME loans (with a loan ticket size of more than Rs. 25 Lacs ) for having credible, strong businesses being run by experienced professionals looking for finance to expand their businesses, which had good security cover, were backed by good cash flows and earned a reasonable return for our business falling in the category of Working capital business loans. The company provides loans to manufactures, service providers, traders and infrastructure builders, Under this segment, company has 3 product categories:

a) SME Loans:-Loans of greater than Rs. 25 Lacs ticket size, backed by strong collateral (largely immovable property), taken for the business purpose.

b) Construction Finance:-The Applicant provides loan to small builders for development of residential and affordable units which are backed by primary security of the underlying units being built up along with some other additional collaterals.

c) NBFC Finance:-Under this category, loans are provided to small retail finance NBFCs / HFCs which are operating in Transport / Housing segment & are willing to expand their business. Since Applicant as NBFC understand these businesses they assess the credit worthiness of the borrower & hence provides them loan which are backed by underlying receivables being funded by those NBFCs / HFCs.

Insurance broking Services by an associate company:

The Company commenced direct insurance broking services through an associate company – Au INSURANCE BROKING SERVICES PVT. LTD. The Applicant received license in May 2012 to act as Direct Insurance Broker by IRDA under Insurance Brokers Regulations, 2002.