| 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 |
AU Small Finance Bank
AU Small Finance Bank
980.35
-4.10
(-0.42%)
Market Cap
₹73,124.13 Cr
PE Ratio
33.84
Volume
14,02,838.00
Day High - Low
₹986.10 - ₹975.00
52W High-Low
₹1,007.25 - ₹478.35
Key Fundamentals
Market Cap
73,124.13 Cr
EPS
27.97
PB Ratio
4.05
Book Value
242.94
EBITDA
492.50
Dividend Yield
0.10 %
Industry
Banks Sector
Small Finance Bank Return on Equity
38.28
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from27 analysts
Actual
Company News
View All News
Au Small Finance Bank Gets Approval to Raise Foreign Investment Limit to 74%Dec 10, 2025
Au Small Finance Bank received approval to increase its foreign investment limit from the current 49% to the maximum permissible limit of 74%. This regulatory approval allows the bank to attract higher foreign capital participation, potentially strengthening its funding base and growth prospects.
CARE Ratings reaffirmed AU Small Finance Bank's CARE AA: Stable rating for Long-Term Debt Instruments and Tier-II Bonds, and assigned the same rating to Infrastructure Bonds worth ₹1,000 crore. The bank's Short-term Instruments (Certificate of Deposits) maintained their CARE A1+ rating, reflecting the bank's position as India's largest small finance bank with consistent business growth and comfortable capitalization.
AU Small Finance Bank Seeks Shareholder Approval for Board Changes and Executive Remuneration
Nov 25, 2025
Nov 25, 2025AU Small Finance Bank has issued a postal ballot notice seeking member approval for appointment of two new independent directors, re-appointment of one independent director, and remuneration approval for Managing Director CEO Sanjay Agarwal and Whole Time Director Deputy CEO Uttam Tibrewal. The remote e-voting period runs from November 26, 2025 to December 25, 2025, with results to be declared by December 29, 2025.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
980.35 | #1 73,124.13 | #5 33.84 | #7 1,446.00 | #3 19.10 | #1 761 | #4 -1.80 | 63.59 | |
53.27 | 10,319.21 | 25.22 | 7,200.60 | 11.40 | 726 | -47.77 | 49.58 | |
61.56 | 7,020.94 | -77.05 | #1 7,223.20 | 14.93 | 147 | #1 86.82 | 55.10 | |
418.35 | 4,402.16 | 10.72 | 5,485.70 | 17.11 | 501 | -22.44 | 30.95 | |
15.04 | 2,676.40 | -3.60 | 4,364.80 | #1 21.96 | 24 | -778.02 | 40.19 | |
144.31 | 1,533.87 | 21.91 | 2,171.00 | 20.07 | 115 | -33.04 | 61.19 | |
26.56 | 1,369.20 | -2.31 | 4,329.30 | 1.62 | -521 | 39.08 | 52.04 | |
263.75 | 1,194.42 | #1 8.83 | 994.50 | 15.32 | 132 | 4.80 | 40.17 |
Growth Rate
Revenue Growth
19.10 %
Net Income Growth
210.40 %
Cash Flow Change
151.43 %
ROE
67.23 %
ROCE
50.78 %
EBITDA Margin (Avg.)
-1.75 %
Yearly Financial Results
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 | Sept 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 % | 22.82 % |
| 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 % | 34.49 % |
| 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 % | 31.90 % |
| 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 % | 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 % | 5.86 % |
| 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 % | 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 | 1,91,508 |
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 | 0.1 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 10 Jun 2022 |  Bonus | 1:1 | 09 Jun 2022 | 625.68 | 613.20 |
| 30 Jul 2022 |  Dividend | ₹ 0.50 /share | 28 Jul 2022 | 682.65 | 591.80 |
| 14 Jul 2023 | Dividend | ₹ 1.00 /share | 14 Jul 2023 | 664.00 | 759.80 |
| 27 Nov 2023 |  Extraordinary General Meeting | NA | 27 Nov 2023 | 666.70 | 722.10 |
| 12 Jul 2024 | Dividend | ₹ 1.00 /share | 12 Jul 2024 | 609.25 | 633.40 |
| 26 Jul 2024 |  Annual General Meeting | NA | 26 Jul 2024 | 692.50 | 631.30 |
| 23 Oct 2024 |  Quarterly Result Announcement | NA | 23 Oct 2024 | 727.35 | 638.50 |
| 24 Jan 2025 | Quarterly Result Announcement | NA | 24 Jan 2025 | 570.05 | 582.40 |
| 22 Apr 2025 | Quarterly Result Announcement | NA | 22 Apr 2025 | 557.05 | 627.00 |
| 04 Jul 2025 | Dividend | ₹ 1.00 /share | 04 Jul 2025 | 627.00 | 811.30 |
| 19 Jul 2025 | Quarterly Result Announcement | NA | 19 Jul 2025 | 819.50 | 794.90 |
| 08 Aug 2025 | Annual General Meeting | NA | 08 Aug 2025 | 809.95 | 743.25 |
| 17 Oct 2025 | Quarterly Result Announcement | NA | 17 Oct 2025 | 763.25 | 797.00 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS10 days ago
10 days agoApproval For Increase In Foreign Investment In AU Small Finance Bank Limited From 49% To Maximum Permissible Limit Of 74%Dec 09, 2025
Dec 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationDec 09, 2025
Dec 09, 2025Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Dec 06, 2025
Dec 06, 2025Announcement under Regulation 30 (LODR)-Credit RatingDec 01, 2025
Dec 01, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 26, 2025
Nov 26, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotNov 25, 2025
Nov 25, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateNov 24, 2025
Nov 24, 2025Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited (The Bank) Held On November 24 2025Nov 24, 2025
Nov 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 24, 2025
Nov 24, 2025Announcement under Regulation 30 (LODR)-Credit RatingNov 21, 2025
Nov 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 20, 2025
Nov 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 31, 2025
Oct 31, 2025Intimation For Change Of Website Domain Name Of AU Small Finance Bank LimitedOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateOct 21, 2025
Oct 21, 2025Transcript Of Conference Call For Financial Result For The Quarter And Half Year Ended On September 30 2025Oct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 18, 2025
Oct 18, 2025Audio Recording Of Conference Call For Unaudited Financial Results For The Quarter And Half Year Ended On September 30 2025Oct 18, 2025
Oct 18, 2025Amendment In The Code Of Fair Disclosure And Conduct And Policy For Determination And Sharing Of Information For Legitimate PurposeOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 17, 2025
Oct 17, 2025Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On October 17 2025Oct 17, 2025
Oct 17, 2025Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On October 17 2025Oct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 11, 2025
Oct 11, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 09, 2025
Oct 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 07, 2025
Oct 07, 2025Board Meeting Intimation for Meeting To Be Held On Friday October 17 2025Oct 07, 2025
Oct 07, 2025Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 2015Oct 03, 2025
Oct 03, 2025Closure of Trading WindowSep 29, 2025
Sep 29, 2025Update In Contact Details Of Authorised Kmps To Determine Materiality Of Events/Information And Make Disclosures To Stock ExchangesSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Change in ManagementSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Sep 11, 2025Announcement under Regulation 30 (LODR)-DemiseSep 10, 2025
Sep 10, 2025Announcement under Regulation 30 (LODR)-Investor PresentationSep 01, 2025
Sep 01, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 25, 2025
Aug 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 12, 2025
Aug 12, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 09, 2025
Aug 09, 2025Proceedings Of The 30Th Annual General Meeting Of AU Small Finance Bank LimitedAug 09, 2025
Aug 09, 2025Reserve Bank Of IndiaS In-Principle Approval For Transition From A Small Finance Bank Into Universal BankAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 02, 2025
Aug 02, 2025Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 25 2025Jul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 25, 2025
Jul 25, 2025Mutual Fund Holdings
HDFC Balanced Advantage Fund Direct-Growth 
SBI Arbitrage Opportunities Fund Direct-Growth 
Nippon India Multi Cap Fund Direct-Growth 
Mirae Asset Large & Midcap Fund Direct-Growth 
Invesco India Flexi Cap Fund Direct - Growth 
Motilal Oswal Business Cycle Fund Direct-Growth 
Aditya Birla Sun Life Flexi Cap Fund Direct-Growth 
Axis Arbitrage Fund Direct-Growth 
Bandhan Arbitrage Fund Direct-Growth 
ITI Small Cap Fund Direct-Growth 
Sundaram Multi-Factor Fund Direct-Growth 
UTI Arbitrage Fund Direct-Growth 
Franklin India Large & Mid Cap Fund Direct-Growth 
DSP Arbitrage Fund Direct - Growth 
Edelweiss Arbitrage Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 66.03
ATR(14)
Less Volatile 18.12
STOCH(9,6)
Neutral 62.27
STOCH RSI(14)
Neutral 23.49
MACD(12,26)
Bearish -2.13
ADX(14)
Strong Trend 46.95
UO(9)
Bearish 63.86
ROC(12)
Uptrend But Slowing Down 3.76
WillR(14)
Neutral -33.12
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,
13 days)
Website
Chairperson NameHarun Rasid Khan
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