AU Small Finance Bank

AU Small Finance Bank

767.10
+3.85
(0.50%)
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Key Fundamentals
Add Ratio
Market Cap
56,930.70 Cr
EPS
27.97
PE Ratio
26.20
Dividend Yield
0.13 %
Industry
Banks
52 Week High
841.00
52 Week Low
478.35
PB Ratio
3.36
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from24 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+45.83 %
+45.83 %
Hold
Hold+25.00 %
+25.00 %
Sell
Sell+29.17 %
+29.17 %
Forecast For
Actual

Company News

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positive
Au Small Finance Bank reported a 20.8% year-over-year growth in deposits and a 22.4% increase in gross advances for Q2 FY26. The bank demonstrated solid expansion across its key business metrics during the quarter.
positive
AU Small Finance Bank reported its performance for the quarter ended September 30, 2025. Total deposits increased by 20.8% year-on-year to ₹1,32,510 crores, while gross advances grew by 22.4% to ₹1,17,520 crores. The bank's CASA ratio stood at 29.4%, compared to 32.4% in the same period last year. The gross loan portfolio expanded by 17.0% year-on-year to ₹1,22,870 crores. CASA deposits grew by 9.7% to ₹38,960 crores. On a quarterly basis, total deposits increased by 3.8% and gross advances rose by 5.3%. The information is provisional and subject to review by the Audit Committee, Board of Directors, and Statutory Auditors.
negative
Three small finance banks - ESAF, Suryoday, and Utkarsh - are experiencing significant stress in their microfinance operations, with approximately 20% of their microloan portfolios at risk. Data from Sa-Dhan shows portfolios at risk for more than 30 days at 19.73% for ESAF, 22.76% for Suryoday, and 23.23% for Utkarsh as of June-end. All three banks maintain a high 45-55% share of unsecured microloans, contributing to deteriorating asset quality. ESAF sold ₹362 crore worth of loans to asset reconstruction companies and wrote off ₹371 crore in the June quarter. Both ESAF and Utkarsh reported losses during this period. Rating agencies have downgraded these banks, with CareEdge lowering ESAF's Tier 2 bonds to 'A-/negative' and Icra downgrading Utkarsh's subordinated debt by two notches to 'A/negative'. Utkarsh's gross NPA ratio increased to 11.4% from 9.4% in the previous quarter, while ESAF's gross NPA stood at 7.48% and Suryoday's at 8.5%. The continued asset quality deterioration and high credit costs are expected to impact profitability for the September quarter and full fiscal year.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
767.10
#1 56,930.70
#6 26.20
#7 1,446.00
#3 19.10
#1 761
#3 15.58
63.46
48.74
9,449.40
17.83
7,200.60
11.40
726
-65.73
63.38
55.74
6,405.10
43.63
#1 7,223.20
14.93
147
7.77
46.72
474.00
4,980.90
11.52
5,485.70
17.11
501
-12.52
49.47
23.20
2,474.20
99.59
4,364.80
#1 21.96
24
-101.90
66.89
147.38
1,605.10
19.54
2,171.00
20.07
115
-133.33
61.20
28.96
1,501.70
19.65
4,329.30
1.62
-521
57.14
43.57
276.40
1,256.70
#1 9.35
994.50
15.32
132
#1 74.19
36.72
Growth Rate
Revenue Growth
19.10 %
Net Income Growth
210.40 %
Cash Flow Change
99.82 %
ROE
67.23 %
ROCE
50.78 %
EBITDA Margin (Avg.)
-1.75 %

Yearly Financial Results

Annual Financials
2015
2016
2017
TTM
Revenue
815
1,214
1,446
0
Expenses
233
339
422
0
EBITDA
248
383
493
0
Operating Profit %
71 %
72 %
70 %
0 %
Depreciation
8
10
6
0
Interest
334
492
531
0
Profit Before Tax
241
373
1,082
0
Tax
79
128
321
0
Net Profit
162
245
761
0
EPS in ₹
37.24
9.32
27.97
0.00

Balance Sheet

Balance Sheet
2015
2016
2017
Total Assets
4,823
7,933
9,812
Fixed Assets
25
30
36
Current Assets
293
529
779
Capital Work in Progress
1
0
240
Investments
65
89
2,150
Other Assets
4,733
7,813
7,386
Total Liabilities
4,823
7,933
9,812
Current Liabilities
384
615
753
Non Current Liabilities
4,439
7,318
9,059
Total Equity
838
1,071
1,988
Reserve & Surplus
794
1,023
1,703
Share Capital
44
44
284

Cash Flow

Cash Flow
2015
2016
2017
Net Cash Flow
31
278
106
Investing Activities
3
39
-1,800
Operating Activities
-1,125
-1,719
884
Financing Activities
1,153
1,959
1,022

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Aug 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Apr 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
28.47 %
28.41 %
28.39 %
28.33 %
28.23 %
28.21 %
26.75 %
25.58 %
25.55 %
25.54 %
25.53 %
25.49 %
25.46 %
25.45 %
22.93 %
22.92 %
22.90 %
22.88 %
22.87 %
22.85 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.03 %
0.03 %
0.00 %
41.65 %
0.03 %
39.37 %
35.47 %
39.58 %
40.72 %
39.35 %
35.58 %
37.68 %
DIIs
16.22 %
17.00 %
16.52 %
15.73 %
14.94 %
14.44 %
15.98 %
17.23 %
20.64 %
20.63 %
19.25 %
19.56 %
15.22 %
22.78 %
21.16 %
18.44 %
20.14 %
21.78 %
27.17 %
28.87 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
9.60 %
10.29 %
10.15 %
10.56 %
10.61 %
10.75 %
10.28 %
8.26 %
7.93 %
7.66 %
7.29 %
7.03 %
6.76 %
7.59 %
7.05 %
5.37 %
5.04 %
4.90 %
5.45 %
5.67 %
Others
45.71 %
44.30 %
44.94 %
45.38 %
46.22 %
46.60 %
46.98 %
48.92 %
45.84 %
46.14 %
47.93 %
6.29 %
52.52 %
4.81 %
13.39 %
13.69 %
11.20 %
11.09 %
8.93 %
4.92 %
No of Share Holders
1,14,569
1,48,324
1,44,197
1,42,821
1,49,884
1,70,471
1,86,469
1,88,507
1,79,082
1,70,109
1,63,552
1,59,037
1,55,660
2,30,172
2,30,378
1,95,762
1,74,101
1,89,495
1,92,987
1,90,119

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.5 0.75 0.00 0.00 1 1 1 1
Dividend Yield (%) 0.00 0.00 0.17 0.3 0.00 0.00 0.17 0.18 0.19 0.13

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
17 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
17 Oct 2025 763.25 763.15
10 Jun 2022 BONUS Bonus
1:1
09 Jun 2022 625.68 613.20
30 Jul 2022 DIVIDEND Dividend
₹ 0.50 /share
28 Jul 2022 682.65 591.80
14 Jul 2023 DIVIDEND Dividend
₹ 1.00 /share
14 Jul 2023 664.00 759.80
27 Nov 2023 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
27 Nov 2023 666.70 722.10
12 Jul 2024 DIVIDEND Dividend
₹ 1.00 /share
12 Jul 2024 609.25 633.40
26 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
26 Jul 2024 692.50 631.30
23 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Oct 2024 727.35 638.50
24 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Jan 2025 570.05 582.40
22 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
22 Apr 2025 557.05 627.00
04 Jul 2025 DIVIDEND Dividend
₹ 1.00 /share
04 Jul 2025 627.00 811.30
19 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
19 Jul 2025 819.50 794.90
08 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
08 Aug 2025 809.95 743.25

Announcements

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS2 days ago
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 20184 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation6 days ago
Board Meeting Intimation for Meeting To Be Held On Friday October 17 20256 days ago
Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 201510 days ago
Closure of Trading WindowSep 29, 2025
Update In Contact Details Of Authorised Kmps To Determine Materiality Of Events/Information And Make Disclosures To Stock ExchangesSep 26, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 26, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 22, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Announcement under Regulation 30 (LODR)-DemiseSep 10, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationSep 01, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 25, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 12, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 09, 2025
Proceedings Of The 30Th Annual General Meeting Of AU Small Finance Bank LimitedAug 09, 2025
Reserve Bank Of IndiaS In-Principle Approval For Transition From A Small Finance Bank Into Universal BankAug 07, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 04, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 02, 2025
Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 25 2025Jul 25, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 25, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 21, 2025
Audio Recording Of Conference Call For Unaudited Financial Results For The Quarter Ended On June 30 2025Jul 20, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 19, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 19, 2025
Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 19 2025Jul 19, 2025
Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 19 2025Jul 19, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 17, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 16, 2025
Notice Of 30Th Annual General Meeting And Integrated Annual Report For FY 2024-25 Of AU Small Finance Bank LimitedJul 16, 2025
Reg. 34 (1) Annual Report.Jul 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 14, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 11, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 11, 2025
Board Meeting Intimation for Meeting To Be Held On Saturday July 19 2025Jul 07, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 07, 2025
Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 2015Jul 03, 2025
Closure of Trading WindowJun 30, 2025
AU Small Finance Bank Partners With LIC To Expand Life Insurance Access Across IndiaJun 30, 2025
Fixing Of Record Date For Dividend.Jun 28, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJun 28, 2025
Board Meeting Outcome for Outcome Of Board MeetingJun 28, 2025
Board Meeting Intimation for Meeting To Be Held On Saturday June 28 2025Jun 25, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 23, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 04, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
SBI Equity Hybrid Fund Direct Plan-Growth
0.00%
-7000000
-0.65%
-0.67%
Invesco India Mid Cap Fund Direct-Growth
5.10%
2043536
1.63%
3.59%
Nippon India Arbitrage Fund Direct-Growth
0.95%
1932000
0.91%
0.82%
HDFC Mid Cap Fund Direct-Growth
3.16%
1507963
0.12%
0.11%
SBI Arbitrage Opportunities Fund Direct-Growth
0.52%
1503000
0.30%
0.24%
Invesco India Arbitrage Fund Direct-Growth
0.35%
1261000
0.34%
0.28%
Nippon India Value Fund Direct-Growth
0.74%
891075
0.74%
0.74%
UTI Mid Cap Fund Direct-Growth
1.14%
870000
0.56%
0.64%
Invesco India Large & Mid Cap Fund Direct-Growth
2.57%
772482
0.63%
2.57%
Edelweiss Arbitrage Fund Direct-Growth
0.26%
566000
0.26%
0.18%
Edelweiss Mid Cap Direct Plan-Growth
1.44%
504326
0.30%
1.44%
Nippon India Multi Cap Fund Direct-Growth
0.50%
500000
0.07%
0.06%
DSP Arbitrage Fund Direct - Growth
0.56%
458000
0.56%
0.54%
DSP ELSS Tax Saver Fund Direct Plan-Growth
1.22%
-436213
-0.19%
-0.19%
Bandhan Arbitrage Fund Direct-Growth
0.37%
427000
0.36%
0.37%
UTI Arbitrage Fund Direct-Growth
0.41%
421000
0.34%
0.27%
Canara Robeco Mid Cap Fund Direct - Growth
0.86%
413700
0.86%
0.48%
DSP Equity Opportunities Fund Direct Plan-Growth
1.45%
-412133
-0.22%
-0.25%
Aditya Birla Sun Life Large & Mid Cap Fund Direct -Growth
2.99%
402269
0.54%
0.50%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.12%
362000
0.12%
0.03%
WhiteOak Capital Mid Cap Fund Direct - Growth
0.55%
282000
0.55%
-0.04%
Invesco India Business Cycle Fund Direct-Growth
5.16%
266873
2.23%
5.16%
Franklin India Large & Mid Cap Fund Direct-Growth
2.50%
230763
0.53%
0.48%
Mirae Asset Midcap Fund Direct - Growth
1.12%
-200000
-0.09%
-0.29%
SBI Quant Fund Direct-Growth
4.83%
192694
0.41%
0.39%

Technical Indicators

RSI(14)
Neutral
62.06
ATR(14)
Less Volatile
16.77
STOCH(9,6)
Overbought
85.13
STOCH RSI(14)
Overbought
89.02
MACD(12,26)
Bullish
4.68
ADX(14)
Weak Trend
16.79
UO(9)
Bearish
62.22
ROC(12)
Uptrend And Accelerating
4.32
WillR(14)
Overbought
-13.35

About AU Small Finance Bank

AU Small Finance Bank Limited is an Indian banking and financial services company. It offers retail banking, wholesale banking, and treasury operations. The bank provides personal banking services including savings accounts, salary accounts, and fixed deposits. It also offers various types of loans such as car loans, home loans, personal loans, and tractor loans. AU Small Finance Bank operates in India through a network of branches, banking outlets, business correspondents, and ATMs across multiple states and union territories. The bank was formerly known as Au Financiers India Limited and began its banking operations in April 2017 after receiving approval from the Reserve Bank of India to establish a Small Finance Bank.
Listing Date
10 Jul, 2017(8 Years, 4 days)
Chairperson NameHarun Rasid Khan