Instant Approvals And Paperless Transactions
With minimal documentation and over-the-counter disbursement
Customised EMI Structure
Choose a repayment schedule based on your needs.
Loan Requirement
₹
500000
Monthly EMI
₹ 150000
Dedicated Assistance At Every Step Of The Process
We also have a panel of Valuers to expedite the process of fulfilment of refinancing against construction equipment.
Quick, Customised Loans For All Needs
We provide refinancing offers on your construction equipment for working capital needs such as:
Personal Needs
Education Needs
Business Needs
Emergency Expenses
Loans For All Types Of Customers
Contractors, mine owners and others.
Just Few Steps Away
We have a wide network of more than 2505 banking touchpoints in more than 500 cities.
Things to know
How to apply
There are two ways to apply:
AU Bank website
AU Bank branch
Eligibility
The following entities are eligible to avail a Construction Equipment Loan from AU Small Finance Bank:
- Contractors
- Hirers and Mine Owners who have the ability and experience in running/deployment of similar assets
- Formal contracts in hand/ small petty contracts
- Road contractors
- Prior credit history, if any, should be satisfactory
- Customers require to fulfill our credit norms to avail Used Construction Equipment Loans
Documents required
- Loan application form
- Identity proof
- ddress proof
- Other relevant documents
Things to consider Before you avail a Personal loan
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Consider the interest when deciding on a loan tenure.
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Avoid applying for a disputed property.
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Keep an eye on your credit card purchases before applying for a loan.
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Avoid making major life changing decisions like a job change to avoid default on loan repayment.
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Taking on a big loan? Pair it with insurance. This way, your loved ones will be protected.
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Share loan responsibility with a co-applicant. Women can avail a lower rate of interest.
Why AU
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National presence
Bank with us through a network of 2,900+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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![Request cheque book]()
Request cheque book
40+ lakh customers banking on app
Our range of cards for your range of needs
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![Xpress EMI]()
Xpress EMI
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![Silverspoon Dining Program]()
Silverspoon Dining Program
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![300+ exclusive AU Rewardz]()
300+ exclusive AU Rewardz
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Frequently Asked Questions (FAQs)
What is the minimum loan amount threshold for real estate funding?
There is no minimum threshold, the loan amount is evaluated on basis of balance construction, cost of the Project and financial gap arising due to mismatches in project inflows and outflows
What would be the collateral required?
Mortgage on Project Land and hypothecation of project receivables are mandatory collateral requirement.
In how many years do I have to repay the loan amount?
Loan tenure is decided basis the balance completion period of the project and it varies from case to case basis.
What are the benefits of availing loan from your Bank?
We caters to Small, Medium, and Large Developers for all types of projects comprising of duplexes, high rise apartments, villas, townships, affordable housing projects and commercial projects.
What is the instalment schedule for loan repayment?
Installment schedule is normally equated monthly installments (it could be quarterly or Half yearly in case of Tractor loans) subject to the terms & conditions of the repayment schedule and Repayment instrument for EMI will be presented (as per registered repayment mode) on EMI Due date as specified in the schedule/sanction letter. To overcome operational issues ,holidays etc., It is advised to keep sufficient balance in bank accounts 2-3 days prior to due date of EMI ,for clearance of EMI on due dates ,to avoid penal Interest and other charges and avoid delinquency status. and further schedule can be tailored to customer's specific requirement at AU Small Finance Bank’s discretion. We do not allow balloon repayments or step up structures
What are the modes available for repayment of instalments?
Repayment can be done through Standing Instructions to your AU Small Finance Bank account, Cash Deposit, Cheque, or Automated Clearing House (ACH).
