Sanjay Agarwal is an Indian businessman, the self-made billionaire Founder, Managing Director, and CEO of AU Small Finance Bank Ltd. (NSE: AUBANK), one of India's fastest-growing small finance banks. His career is rooted in finance, auditing, and entrepreneurial audacity.

Agarwal holds a B.Com. from St. Xavier's College, Kolkata, and is a Chartered Accountant (CA) by trade. His philosophical approach centers on scale, technological efficiency, and long-term commitment to financial inclusion (providing banking services to the unserved and underserved mass market). He founded the precursor to AU Bank in 1996 as an auto finance company in Jaipur.

• AU Small Finance Bank (Founder, MD & CEO): The core publicly traded asset, a major provider of banking, lending, and deposit services (specializing in retail loans and two-wheeler financing).
• Fintech Pioneer: His success is built on scale financial innovation and pioneering the small finance bank model in India.
• Academic Background: He is a Chartered Accountant (CA) and holds a B.Com. degree.
• Investment Strategy: His philosophy is rooted in long-term investment in financial infrastructure and leveraging the massive Indian financial inclusion boom.

Sanjay Agarwal's strategic genius was his commitment to the small loan segment. He founded AU Financiers in 1996, focusing on vehicle and auto loans for the low-income segment. His structural contribution is immense: orchestrating the transition of AU Financiers to AU Small Finance Bank (SFB) in 2017, a major regulatory achievement that allowed the company to provide full banking services. The bank successfully executed its IPO on the NSE.

He remains MD and CEO, guiding the company's continuous expansion and technological modernization. His wealth is secured by his long-term equity stake in the publicly traded bank and the colossal, long-term, stable profitability of the Indian financial services sector.

Sanjay Agarwal's social impact stems from AU Small Finance Bank's role in providing essential banking and credit services to millions of previously unserved individuals and small businesses in India. The bank's operations accelerate financial inclusion and economic growth in rural and semi-urban areas. His personal philanthropy supports various community and educational initiatives.

His personal philanthropy supports various community and educational initiatives.

Sanjay Agarwal maintains the professional, composed style of a corporate executive. His attire is consistently formal and high-quality, favoring tailored suits or traditional Indian business attire. His aesthetic reflects serious authority and stability, typical of a leader in the specialized banking sector.

Residing in Jaipur, India, his luxury is the immense security and financial reward derived from his multi-billion dollar fortune. His life is dedicated to financial governance, strategic investment, and technological innovation.