| 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
746.30
+6.35
(0.86%)
Market Cap
55,595.80 Cr
EPS
27.97
PE Ratio
25.25
Dividend Yield
0.13 %
Industry
Banks52 Week High
841.00
52 Week Low
478.35
PB Ratio
3.24
Debt to Equity
0.00
Sector
Small Finance Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from25 analysts
Company News
View All News
AU Small Finance Bank has categorized four senior executives as Senior Management Personnel effective July 26, 2025. The newly designated SMPs are Dhavan Shah (Head of Commercial Banking), Kapil Gupta (Head - Treasury & Financial Markets), Ankur Tripathi (Chief Information Officer), and Manoj Tibrewal (Head of Human Resources, Admin & Infra). The decision was approved by the bank's Board of Directors following recommendations from the Nomination and Remuneration Committee during their annual review of Senior Management Personnel categories. Shah and Gupta are recent hires who joined the bank in April 2025 and March 2025 respectively, bringing decades of experience from major banks including Yes Bank, HSBC, and Standard Chartered. Tripathi has been with the bank since March 2014, while Tibrewal has served since February 2009.
AU Small Finance Bank Reports 16% PAT Growth Despite Margin Pressure and Elevated Credit Costs
5 days ago
5 days agoAU Small Finance Bank delivered profit after tax of INR 581 crores for Q1 FY26, representing 16% year-on-year growth. The bank achieved strong deposit growth of 31% year-on-year to INR 1,27,000 crores and loan growth of 18% to INR 1,17,000 crores, despite a 23% decline in its unsecured book. Net interest margin compressed by 38 basis points to 5.4% from 5.8% in Q4, driven by reduced asset yields and lower investment yields. The bank maintained ROA at 1.5% despite margin pressure. Credit costs increased due to stress in the microfinance business, where collection efficiency dropped to 98.3% from 98.7%, and challenges in the southern mortgage portfolio. The bank revised its full-year credit cost expectation upward by 10-15 basis points to around 1% of average total assets. Management expects Q2 to be the bottom for margins and anticipates gradual improvement from Q3 onwards. The retail-secured assets segment, comprising 67% of the loan portfolio, grew 20% year-on-year, with the wheels business leading at 26% growth.
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 |
|---|---|---|---|---|---|---|---|---|
746.30 | #1 55,595.80 | #6 25.25 | #7 1,446.00 | #6 19.10 | #1 761 | #1 15.58 | 41.76 | |
43.64 | 8,445.28 | 16.10 | #1 7,200.60 | 11.40 | 726 | -65.73 | 33.10 | |
60.14 | 6,857.78 | 46.12 | 6,311.73 | 30.09 | 147 | -79.72 | 34.22 | |
463.65 | 4,876.52 | 11.19 | 4,709.79 | 26.60 | 501 | -40.27 | 39.97 | |
22.15 | 2,440.07 | 103.23 | 3,764.93 | 27.62 | 24 | -98.12 | 33.96 | |
31.46 | 1,621.53 | 19.65 | 3,862.22 | 35.61 | -521 | -523.09 | 40.23 | |
304.70 | 1,378.67 | #1 10.42 | 994.50 | 15.32 | 132 | 6.67 | 54.10 | |
127.15 | 1,351.41 | 17.12 | 1,953.75 | #1 41.14 | 115 | -49.64 | 32.15 |
Automatic Screeners on ScanX
Forecast
Actual
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 |
| 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
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 | 0.14 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 08 Aug 2025 |  Annual General Meeting | NA | 08 Aug 2025 | 809.95 | 739.90 |
| 19 Jul 2025 |  Quarterly Result Announcement | NA | 19 Jul 2025 | 819.50 | 794.90 |
| 04 Jul 2025 |  Dividend | ₹ 1.00 /share | 04 Jul 2025 | 627.00 | 811.30 |
| 22 Apr 2025 | Quarterly Result Announcement | NA | 22 Apr 2025 | 557.05 | 627.00 |
| 24 Jan 2025 | Quarterly Result Announcement | NA | 24 Jan 2025 | 570.05 | 582.40 |
| 23 Oct 2024 | Quarterly Result Announcement | NA | 23 Oct 2024 | 727.35 | 638.50 |
| 26 Jul 2024 | Annual General Meeting | NA | 26 Jul 2024 | 692.50 | 631.30 |
| 12 Jul 2024 | Dividend | ₹ 1.00 /share | 12 Jul 2024 | 609.25 | 633.40 |
| 27 Nov 2023 |  Extraordinary General Meeting | NA | 27 Nov 2023 | 666.70 | 722.10 |
| 14 Jul 2023 | Dividend | ₹ 1.00 /share | 14 Jul 2023 | 664.00 | 759.80 |
| 30 Jul 2022 | Dividend | ₹ 0.50 /share | 28 Jul 2022 | 682.65 | 591.80 |
| 10 Jun 2022 |  Bonus | 1:1 | 09 Jun 2022 | 625.68 | 613.20 |
Announcements
Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On July 25 20254 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication9 days ago
9 days agoAudio Recording Of Conference Call For Unaudited Financial Results For The Quarter Ended On June 30 202510 days ago
10 days agoAnnouncement 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, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
May 22, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 17, 2025
May 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 07, 2025
May 07, 2025Non-Applicability Of Provisions Related To Chapter XII Of SEBI Circular Dated August 10 2021 (Updated As On July 07 2023) W.R.T. Fund Raising By Issuance Of Debt Securities By Large EntitiesApr 30, 2025
Apr 30, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 23, 2025
Apr 23, 2025Audio Recording Of Conference Call For Audited Financial Results For The Quarter And Financial Year Ended On March 31 2025Apr 22, 2025
Apr 22, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateApr 22, 2025
Apr 22, 2025Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On April 22 2025Apr 22, 2025
Apr 22, 2025Announcement under Regulation 30 (LODR)-Investor PresentationApr 22, 2025
Apr 22, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 22, 2025
Apr 22, 2025Outcome Of Board Meeting Of AU Small Finance Bank Limited Held On April 22 2025Apr 22, 2025
Apr 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 15, 2025
Apr 15, 2025Board Meeting Intimation for Consideration And Approval Of The Audited Financial Results Of The Bank For The Quarter And Financial Year Ended On March 31 2025 And To Consider And Recommend Dividend On Equity Shares If Any For The Financial Year Ended On MApr 15, 2025
Apr 15, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportApr 11, 2025
Apr 11, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 07, 2025
Apr 07, 2025Announcement under Regulation 30 (LODR)-Credit RatingApr 03, 2025
Apr 03, 2025Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulation 2015Apr 03, 2025
Apr 03, 2025Update Regarding Disclosure Submitted By Fincare Business Services LimitedApr 01, 2025
Apr 01, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Apr 01, 2025
Apr 01, 2025Technical Indicators
RSI(14)
Neutral 39.22
ATR(14)
Less Volatile 19.34
STOCH(9,6)
Oversold 17.10
STOCH RSI(14)
Neutral 21.53
MACD(12,26)
Bearish -8.57
ADX(14)
Strong Trend 35.09
UO(9)
Bearish 42.96
ROC(12)
Downtrend But Slowing Down -8.08
WillR(14)
Oversold -83.34
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SBI Quant Fund Direct-Growth 
Mirae Asset Multicap Fund Direct - Growth 
Franklin India Large & Mid Cap Fund Direct-Growth 
Axis ESG Integration Strategy Fund Direct-Growth 
DSP Multicap Fund Direct - Growth 
JM Midcap Fund Direct - Growth 
Bank of India Flexi Cap Fund Direct-Growth 
Tata Nifty Midcap 150 Momentum 50 Index Fund Direct - Growth 
ICICI Prudential Equity Arbitrage Direct-Growth 
Aditya Birla Sun Life Banking & Financial Services Fund Direct-Growth 
UTI Flexi Cap Fund Direct-Growth 
Baroda BNP Paribas ELSS Tax Saver Fund Direct-Growth 
Bandhan Financial Services Fund Direct-Growth 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,
20 days)
Website
Chairperson NameHarun Rasid Khan
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