AU Small Finance Bank Ltd.

•

au.bank.in/BSE: 540611NSE: AUBANK

Market Cap₹ 79,455 Cr.

Current Price

High / Low₹ 1,144 / 698

Stock P/E27.8

Book Value₹ 273

Price to Book3.20

Dividend Yield0.09 %

ROCE14.2 %

ROE14.4 %

Face Value₹ 10

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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 GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesBankBank - Private

Part ofNIFTYM150MOMNTM50 NIFTY BANK NIFTY ALPHA 50 NIFTYLARGEMIDCAP250 NIFTYMIDCAP150

S.No.	Name
1.	HDFCBANK	708.00	13.81	1091323.88	2.19	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1379.15	17.65	989980.04	0.87	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	418.70	20.52	416508.36	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1247.50	13.98	388399.91	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	83.44	9.63	89718.04	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	344.40	18.18	85149.33	0.35	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1058.00	43.57	79454.72	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	977.80	57.61	76184.77	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	86.20	32.24	74319.14	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	23.47	19.52	73668.68	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	412.80	71.21	64022.78	0.24	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KARURVYSYA	333.85	11.76	32273.73	0.78	755.70	44.92	3049.42	18.72	23.62	71.82

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	22.92	22.90	22.88	22.87	22.85	22.82	22.79	22.76	22.74
	39.57	40.72	39.33	35.58	37.68	34.50	36.45	37.27	35.98
	18.44	20.13	21.78	27.16	28.86	31.91	31.27	31.30	32.81
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	19.06	16.24	15.99	14.38	10.59	10.78	9.49	8.68	8.48

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09

Updates

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

ESOP/ESOS/ESPS

2026-09-08 - AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 411669 Shares.

2026-09-07

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-07 - AU Small Finance Bank Limited has informed the Exchange about Schedule of meet

2026-09-07

Shareholders meeting

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

Shareholders meeting

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

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-25 - AU Small Finance Bank Limited has informed the Exchange about Schedule of meet

2026-08-25

ESOP/ESOS/ESPS

2026-08-25 - AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 647261 Shares.

2026-08-14

Copy of Newspaper Publication

2026-08-14 - AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-13

Shareholders meeting

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

Recent coverage and analyst commentary for AUBANK

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Free 5nance Account

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

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

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

952

1,132

1,205

1,292

1,312

1,210

1,215

1,352

1,435

Provisions & Contingencies

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

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

12,252

18,590

21,614

5,992

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

—

112

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%

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

—

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

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

1,57,846

1,91,797

ASSETS

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

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

1,57,846

1,91,797

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

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

1.00

PROFITABILITY

Net Interest Margin %

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%

43.80%

57.07%

63.01%

65.14%

56.53%

57.91%

ASSET QUALITY

Gross NPA %

0.00%

2.47%

Net NPA %

0.00%

0.88%

Provision Coverage %

0.00%

83.00%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

23.00%

37.29%

38.43%

33.41%

29.17%

28.40%

Credit-Deposit Ratio %

0.00%

0.20%

0.11%

0.09%

0.06%

0.09%

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%

39.02%

20.04%

-30.90%

13.89%

22.57%

15.21%

P/E (x)

0.00x

16.35x

17.36x

27.03x

24.66x

18.88x

23.88x

P/B (x)

0.00x

6.20x

5.25x

3.53x

3.03x

2.33x

3.20x

0.00%

0.08%

0.17%

0.18%

0.19%

0.12%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

22.92

22.90

22.88

22.87

22.85

22.82

22.79

22.76

22.74

39.57

40.72

39.33

35.58

37.68

34.50

36.45

37.27

35.98

18.44

20.13

21.78

27.16

28.86

31.91

31.27

31.30

32.81

Government

0.00

19.06

16.24

15.99

14.38

10.59

10.78

9.49

8.68

8.48

AU Small Finance Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

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AU Small Finance Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI