Mr. Sanjay Agarwal is the visionary Founder, MD, and CEO of AU Small Finance Bank, India’s largest small finance bank. A first-generation entrepreneur and Chartered Accountant, he established AU Financiers in 1996 to support small entrepreneurs and underserved individuals. Transforming it into AU Small Finance Bank in 2017, he has championed financial inclusion and innovation. His leadership philosophy, “Badlaav Humse Hai,” drives proactive change and customer-first approaches. Recognized for his contributions, Mr. Agarwal has received accolades like EY Entrepreneur of the Year 2018 and led AU SFB to numerous awards, ensuring sustainable and inclusive growth.