| 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
767.10
+3.85
(0.50%)
Key Fundamentals
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
Sector
Small Finance Bank Analyst Rating and Forecast
- By Refinitiv from24 analysts
Actual
Company News
View All News
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.
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.
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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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 |
|---|---|---|---|---|---|---|---|---|
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 |
Automatic Screeners on ScanX
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
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 | NA | 17 Oct 2025 | 763.25 | 763.15 |
| 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 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
2 days ago
2 days agoCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 20184 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation6 days ago
6 days agoBoard Meeting Intimation for Meeting To Be Held On Friday October 17 20256 days ago
6 days agoIntimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 201510 days ago
10 days agoClosure 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, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 21, 2025
Jul 21, 2025Audio Recording Of Conference Call For Unaudited Financial Results For The Quarter Ended On June 30 2025Jul 20, 2025
Jul 20, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 19, 2025
Jul 19, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 19, 2025
Jul 19, 2025Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 19 2025Jul 19, 2025
Jul 19, 2025Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 19 2025Jul 19, 2025
Jul 19, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 17, 2025
Jul 17, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 16, 2025
Jul 16, 2025Notice Of 30Th Annual General Meeting And Integrated Annual Report For FY 2024-25 Of AU Small Finance Bank LimitedJul 16, 2025
Jul 16, 2025Reg. 34 (1) Annual Report.Jul 16, 2025
Jul 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 11, 2025
Jul 11, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Jul 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 11, 2025
Jul 11, 2025Board Meeting Intimation for Meeting To Be Held On Saturday July 19 2025Jul 07, 2025
Jul 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 07, 2025
Jul 07, 2025Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 2015Jul 03, 2025
Jul 03, 2025Closure of Trading WindowJun 30, 2025
Jun 30, 2025AU Small Finance Bank Partners With LIC To Expand Life Insurance Access Across IndiaJun 30, 2025
Jun 30, 2025Fixing Of Record Date For Dividend.Jun 28, 2025
Jun 28, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 28, 2025
Jun 28, 2025Board Meeting Outcome for Outcome Of Board MeetingJun 28, 2025
Jun 28, 2025Board Meeting Intimation for Meeting To Be Held On Saturday June 28 2025Jun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 23, 2025
Jun 23, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 06, 2025
Jun 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 04, 2025
Jun 04, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025
May 27, 2025Mutual Fund Holdings
SBI Equity Hybrid Fund Direct Plan-Growth 
Invesco India Mid Cap Fund Direct-Growth 
Nippon India Arbitrage Fund Direct-Growth 
HDFC Mid Cap Fund Direct-Growth 
UTI Mid Cap Fund Direct-Growth 
Edelweiss Arbitrage Fund Direct-Growth 
DSP Arbitrage Fund Direct - Growth 
Bandhan Arbitrage Fund Direct-Growth 
Canara Robeco Mid Cap Fund Direct - Growth 
Aditya Birla Sun Life Large & Mid Cap Fund Direct -Growth 
WhiteOak Capital Mid Cap Fund Direct - Growth 
Franklin India Large & Mid Cap Fund Direct-Growth 
Mirae Asset Midcap Fund Direct - Growth 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)
Website
Chairperson NameHarun Rasid Khan
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