Sustainable Finance

Sustainable Finance focuses on directing capital toward initiatives that create positive environmental and social outcomes while supporting long-term economic growth. Through products such as Green Fixed Deposits, renewable energy financing under PM KUSUM, clean mobility solutions, and financial inclusion programmes including PMJDY and PM SVANidhi, it contributes to climate action and inclusive development.

A comprehensive Sustainable Finance Framework, covering green and social financing categories, provides a structured approach to sustainable lending and investment. Supported by an independent Second Party Opinion, the framework aligns financing activities with ESG considerations, climate risk management, and sustainability priorities.

Continuous collaboration with leading institutions and focused capacity-building initiatives further strengthen capabilities in climate-risk assessment, financed emissions measurement, and responsible financing practices.

Principle Avenues

Green Finance

Green Finance is central to our sustainable banking approach, directing capital towards environmental and social impact. Through AU Green Fixed Deposits, ESG-integrated lending, and climate risk advisory, we support renewable energy, clean mobility, energy efficiency, and green buildings, advancing India's low-carbon and inclusive growth journey.

Financial Inclusion

Financial Inclusion drives our commitment to expanding equitable access to financial services. Guided by the pillars of Access, Usage, and Quality, we provide tailored banking, credit, insurance, and digital solutions that empower underserved communities, strengthen livelihoods, enhance resilience, and support inclusive, sustainable economic growth.

Digital Banking

Digital Transformation enhances accessibility, security, and convenience across our banking ecosystem. Through AU 0101 and AU 0101 Business, paperless onboarding, Video Banking, QR-based solutions, biometric authentication, and AI-driven innovations, we deliver seamless customer experiences, bridge the digital divide, improve efficiency, and support inclusive growth.