AU Small Finance Bank Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Other Retail Banking- Retail banking: 73.0% • Treasury: 14.8% • Wholesale banking: 9.8%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 18.7%
- Solid return on assets for a lender - ROA of 1.5%
- Company has delivered good sales growth of 30.4% CAGR over last 5 years
- Strong provisioning - provision coverage ratio of 85.0%
- Latest quarter profit grew 37.0% YoY, showing strong momentum
- Healthy loan book growth of 25.4% with stable asset quality
CONS
- A large part of profit comes from other income (85.7% of PBT)
- Free cash flow has been persistently negative
- Though reporting repeated profits, the company pays out little dividend (2.8%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | 708.00 | 13.81 | 1091323.88 | 2.19 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| ICICIBANK | 1379.15 | 17.65 | 989980.04 | 0.87 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| KOTAKBANK | 418.70 | 20.52 | 416508.36 | 0.16 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| AXISBANK | 1247.50 | 13.98 | 388399.91 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| IDBI | 83.44 | 9.63 | 89718.04 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| FEDERALBNK | 344.40 | 18.18 | 85149.33 | 0.35 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| AUBANK | 1058.00 | 43.57 | 79454.72 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| INDUSINDBK | 977.80 | 57.61 | 76184.77 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| IDFCFIRSTB | 86.20 | 32.24 | 74319.14 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| YESBANK | 23.47 | 19.52 | 73668.68 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| RBLBANK | 412.80 | 71.21 | 64022.78 | 0.24 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| KARURVYSYA | 333.85 | 11.76 | 32273.73 | 0.78 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2,458 | 2,531 | 2,736 | 2,830 | 3,769 | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | 5,303 | |
| Interest Expended | 1,212 | 1,282 | 1,411 | 1,492 | 1,848 | 1,936 | 2,091 | 2,177 | 2,334 | 2,367 | 2,386 | 2,437 | 2,607 |
| Net Interest Income | 1,246 | 1,249 | 1,325 | 1,337 | 1,921 | 1,974 | 2,023 | 2,094 | 2,045 | 2,144 | 2,341 | 2,582 | 2,695 |
| 315 | 406 | 442 | 541 | 509 | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5,992 |
| Operating Expenses | 1,015 | 1,027 | 1,117 | 1,228 | 1,478 | 1,481 | 1,436 | 1,562 | 1,543 | 1,647 | 1,850 | 1,962 | 1,949 |
| Operating Profit | 546 | 629 | 650 | 650 | 952 | 1,132 | 1,205 | 1,292 | 1,312 | 1,210 | 1,215 | 1,352 | 1,435 |
| Provisions & Contingencies | 33 | 95 | 151 | 118 | 283 | 373 | 502 | 635 | 533 | 481 | 331 | 269 | 371 |
| Profit before Tax | 513 | 533 | 498 | 455 | 669 | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 |
| Tax % | 24.59% | 24.66% | 24.67% | 18.49% | 24.87% | 24.72% | 24.85% | 23.35% | 25.43% | 23.05% | 24.49% | 23.12% | 25.19% |
| Net Profit | 387 | 402 | 375 | 371 | 503 | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 |
| EPS | 6 | 6 | 6 | 6 | 7 | 8 | 7 | 7 | 8 | 8 | 9 | 11 | 1 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,555 | 16,064 | 18,636 | — | |
| Interest Expended | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 9,524 | 9,797 |
| Net Interest Income | -496 | -827 | -1,607 | -2,377 | -2,585 | -2,688 | -3,780 | 5,157 | 8,012 | 9,113 | — |
| 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,978 | 2,857 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12,252 | 18,590 | 21,614 | 5,992 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,465 | 5,957 | 7,002 | — | |
| Operating Profit | -496 | -827 | -1,607 | -2,377 | -2,585 | -2,688 | -3,780 | 2,389 | 4,581 | 5,089 | — |
| 22 | 90 | 112 | 93 | 706 | 207 | 243 | 390 | 1,793 | 1,615 | — | |
| Profit before Tax | 1,143 | 443 | 580 | 914 | 1,459 | 1,454 | 1,865 | 1,999 | 2,788 | 3,474 | 3,759 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 23.24% | 24.47% | 23.97% | 24.02% |
| Net Profit | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 | 2,856 |
| EPS | 30 | 10 | 13 | 22 | 38 | 18 | 22 | 23 | 28 | 35 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 30%
- 3 Years:
- 31%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 18%
- 3 Years:
- 23%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 13%
- 3 Years:
- 14%
- 1 Year:
- 49%
RETURN ON EQUITY
- 10 Years:
- 18%
- 5 Years:
- 15%
- 3 Years:
- 14%
- Last Year:
- 14%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 284 | 286 | 292 | 304 | 312 | 315 | 667 | 669 | 745 | 748 |
| 1,697 | 1,978 | 2,653 | 4,021 | 5,860 | 7,158 | 10,267 | 11,828 | 16,298 | 18,984 | |
| 0 | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 69,365 | 87,182 | 1,24,269 | 1,52,661 | |
| 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,299 | 5,479 | 11,660 | 13,872 | |
| Other Liabilities & Provisions | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 3,575 | 4,205 | 4,751 | 5,291 |
| Total Liabilities | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 11 | 1,57,846 | 1,91,797 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 13 | 492 | 811 | 1,050 | 1,569 | 5,753 | 8,916 | 4,638 | 8,605 | 6,973 | |
| Balances with Banks & Money at Call | 612 | 1,269 | 929 | 2,320 | 3,212 | 175 | 509 | 1,738 | 862 | 1,550 |
| 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,307 | 20,072 | 27,133 | 37,848 | 44,794 | |
| 6,551 | 13,312 | 22,819 | 26,992 | 34,609 | 46,095 | 58,422 | 73,163 | 1,07,092 | 1,34,276 | |
| 36 | 380 | 440 | 438 | 477 | 609 | 707 | 784 | 825 | 881 | |
| 179 | 323 | 455 | 665 | 903 | 1,125 | 1,557 | 1,902 | 2,527 | 2,768 | |
| Total Assets | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 11 | 1,57,846 | 1,91,797 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 | |
| Cash from Investing | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | -4,855 | -5,931 | -5,090 |
| Cash from Financing | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | -802 | 2,407 | 2,318 |
| 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | 3,497 | -3,049 | 1,938 | -943 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 28.92 | 10.22 | 13.06 | 22.19 | 37.50 | 35.88 | 21.42 | 22.93 | 28.29 | 35.30 |
| Book Value (₹) | 69.71 | 79.23 | 100.73 | 142.20 | 197.69 | 237.30 | 163.98 | 186.75 | 228.90 | 263.71 |
| Dividend per Share (₹) | 0.00 | 0.50 | 0.75 | 0.00 | 0.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| PROFITABILITY | ||||||||||
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 4.71% | 4.80% | 5.03% | 4.83% | 5.19% | 4.86% |
| ROA % | 8.40% | 2.04% | 1.48% | 1.81% | 2.50% | 1.87% | 1.79% | 1.54% | 1.58% | 1.51% |
| ROE % | 41.48% | 13.76% | 14.66% | 18.56% | 22.31% | 16.56% | 15.52% | 13.10% | 14.26% | 14.36% |
| 0.00% | 0.00% | 0.00% | 0.00% | 43.80% | 57.07% | 63.01% | 65.14% | 56.53% | 57.91% | |
| ASSET QUALITY | ||||||||||
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.47% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.88% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 83.00% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | ||||||||||
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 23.00% | 37.29% | 38.43% | 33.41% | 29.17% | 28.40% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.20% | 0.11% | 0.09% | 0.06% | 0.09% | 0.09% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | ||||||||||
| Net Profit Growth % | 0.00% | -64.47% | 30.74% | 76.73% | 73.49% | -3.49% | 26.38% | 7.48% | 37.22% | 25.42% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 39.02% | 20.04% | -30.90% | 13.89% | 22.57% | 15.21% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 16.35x | 17.36x | 27.03x | 24.66x | 18.88x | 23.88x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 6.20x | 5.25x | 3.53x | 3.03x | 2.33x | 3.20x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.17% | 0.18% | 0.19% | 0.12% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - We hereby inform that AU Small Finance Bank ( AU SFB ) has received RBI s letter dated September 8, 2026 according its approval to ICICI Prudential Asset Management Company Limited ( I-Pru AMC ) (along with the schemes of ICICI Prudential Mutual Fund, funds under AIF managed by I-Pru AMC, clients of PMS of I-Pru AMC) to acquire aggregate holding of up to 9.95% of the paid-up share capital or voting rights in AU SFB. The aforesaid approval granted by RBI is subject to compliance with the relevant provisions of the Banking Regulation Act, 1949 and applicable RBI s directions, provisions of the Foreign Exchange Management Act, 1999, regulations issued by Securities and Exchange Board of India, and any other statutes, regulations and guidelines, as applicable.
2026-09-08 - AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 411669 Shares.
2026-09-07 - AU Small Finance Bank Limited has informed the Exchange about Schedule of meet
2026-09-07 - AU Small Finance Bank Limited has submitted the Exchange a copy Scrutinizers report of Annual General Meeting held on September 05, 2026. Further, the company has informed the Exchange regarding voting results.
2026-09-05 - AU Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 05, 2026
2026-08-25 - AU Small Finance Bank Limited has informed the Exchange about Schedule of meet
2026-08-25 - AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 647261 Shares.
2026-08-14 - AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - AU Small Finance Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 05, 2026
News
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