AUBANK · NSE
AU Small Finance Bank Limited
₹1,058.6
+1.86% (+₹19.3)
Prev. close
₹1,039.3
Volume
12,51,837
Delivery %
64.8%
As of
18 Sept 2026
Price history
Analyst sentiment
Analysts lean bullish
5 analyst stances · last 90 days · one per analyst
Trackable
3 · 3 bull / 0 neutral / 0 bear
Long-Horizon
none in window
Commentary
2 · 2 bull / 0 neutral / 0 bear
Trackable = verdict-bearing calls · Long-Horizon = 1yr+ horizon, verdict pending · Commentary = context, not graded
Analyst opinions
| Call | Analyst | Instrument | Verdict | Actions |
|---|---|---|---|---|
| “Initiated a Buy rating on AU Small Finance Bank with a target price of ₹1,270, implying an 18% upside. This bullish call…” | Goldman Sachs AnalysisGoldman Sachs Group Inc. | AU Small Finance Bank | PENDING | |
| “Assigned a Buy rating to AU Small Finance Bank with a target price of Rs 1,270 and an upside of 18%. This positive stanc…” | Goldman Sachs AnalysisGoldman Sachs Group Inc. | AU Small Finance Bank | PENDING | |
| “Bullish on AU Small Finance Bank, recommending a buy with a target price of ₹1,155 and a stop-loss at ₹1,055. The stock …” | Chandan TapariaMotilal Oswal Financial Services Ltd | AU Small Finance Bank | PENDING | |
| “Bullish on AU Small Finance Bank, maintaining a 'Buy' rating with a target price of ₹1,275. It is a strong player in the…” | Motilal Oswal AnalysisMotilal Oswal Financial Services | AU Small Finance Bank | NOT GRADED |
Market commentary · 2 · levels, conditionals, previews, macro & hedged views — context, not graded
| Call | Analyst | Instrument | Verdict | Actions |
|---|---|---|---|---|
| “Bullish on AU Small Finance Bank with a target of ₹1,270, implying a 21% upside. The transition to a universal bank is e…” | Jefferies AnalysisJefferies | AU Small Finance Bank | PENDING | |
| “Favors AU Small Finance Bank among mid-sized lenders, expecting it to continue compounding at over 20% over the coming y…” | Nitin AggarwalMotilal Oswal Financial Services | AU Small Finance Bank | PENDING |
Fundamentals
About AU Small Finance Bank Limited
AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It offers savings, NRI, corporate salary, senior citizen, women and family, minor, current, premium banking, special offerings, RERA and escrow, collection, share capital and dividend, EXIM, institution current, government banking, Forex, SNRR, and grouping of business and personal accounts; and fixed, recurring, FCNR, and green fixed deposits. The company also provides home, car, commercial vehicle and equipment, gold, personal, two-wheeler, tractor, micro business, working capital, term, commercial vehicle, and tractor loans; loan secured by vehicle, and against FD and property; supply chain finance, renewables funding, real estate funding and project finance, and NBFC and startup funding; and trade finance, such as letter of credit, bank guarantees, buyer's credit, export credit, and Forex and hedging solutions. In addition, it offers cards and payments, including debit and credit cards, ATM and micro-ATM, UPI/Scan and Pay, fund transfer, doorstep banking, international payments, bill pay, mobile recharge, FASTag, and tax payments; AU 0101 and AU 0101 Business applications; and wealth products comprising mutual funds, ASBA/IPO, PMS/AIF/Bonds, and 3-in-1 trading and demat accounts. Further, the company provides life, health, and general insurance; and locker products. It serves urban, semi-urban, and rural markets, as well as salaried and self-employed individuals, small businesses, merchants, women entrepreneurs, farmers, micro-enterprises, and emerging affluent households. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Mumbai, India.
Details
Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. Sanjay Agarwal C.A.
Headquarters
Mumbai
Employees
59,207
Website
au.bank.inExchange
View on NSE ↗Key stats
Market cap
₹77,886.80 Cr
P/E ratio (TTM)
27.6
Dividend yield
0.10%
EPS (TTM)
₹37.71
Beta (1Y · daily vs NIFTY 50)
1.22
Beta (5Y · monthly vs NIFTY 50)
1.25
Shares float
54.57 Cr
EPS · quarter ended Jun 2026
₹10.51
Upcoming earnings
17 Oct 2026
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹6,401.60 Cr | ₹6,915.43 Cr | ₹5,460.41 Cr | ₹6,855.62 Cr | ₹10,541.50 Cr | ₹12,096.98 Cr | |
| ₹1,170.69 Cr | ₹1,129.83 Cr | ₹1,427.93 Cr | ₹1,534.72 Cr | ₹2,105.93 Cr | ₹2,641.25 Cr | |
| Diluted EPS | ₹18.93 | ₹17.85 | ₹21.74 | ₹22.86 | ₹28.24 | ₹35.01 |
Interest expense has filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | — | ₹90,216.12 Cr | ₹1.09 L Cr | ₹1.58 L Cr | ₹1.92 L Cr | |
| Total debt | — | — | ₹6,298.65 Cr | ₹5,479.37 Cr | ₹11,659.90 Cr | ₹13,871.54 Cr |
| Stockholders' equity | — | — | ₹10,977.34 Cr | ₹12,559.53 Cr | ₹17,166.28 Cr | ₹19,973.52 Cr |
Total assets, Cash & equivalents, Fixed assets, Total debt, Stockholders' equity have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹5,056.10 Cr | ₹6,848.98 Cr | ₹5,493.64 Cr | ₹2,608.07 Cr | ₹5,462.41 Cr | ₹1,828.87 Cr | |
| Investing cash flow | ₹-989.74 Cr | ₹-4,753.37 Cr | ₹-4,319.50 Cr | ₹-4,854.76 Cr | ₹-5,931.47 Cr | ₹-5,090.15 Cr |
| ₹-2,654.70 Cr | ₹-948.44 Cr | ₹2,322.52 Cr | ₹-802.15 Cr | ₹2,407.25 Cr | ₹2,318.33 Cr | |
| Capital expenditure | ₹-141.23 Cr | ₹-282.49 Cr | ₹-305.94 Cr | ₹-346.42 Cr | ₹-264.36 Cr | ₹-808.59 Cr |
| End cash position | ₹4,781.34 Cr | ₹5,928.52 Cr | ₹9,425.17 Cr | ₹6,376.33 Cr | ₹9,466.36 Cr | ₹8,523.41 Cr |
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21 | Mar 22 | Jun 22–Jun 22(2Q) | Aug 22 | Sep 22 | Dec 22 | Mar 23 | Jun 23 | Sep 23 | Dec 23 | Mar 24 | Apr 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 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% | 22.79% | 22.76% | 22.74% |
| Public | 71.61% | 71.67% | 71.77% | 71.79% | 73.25% | 74.42% | 74.45% | 74.46% | 74.47% | 74.51% | 74.54% | 74.55% | 77.07% | 77.08% | 77.10% | 77.12% | 77.13% | 77.15% | 77.18% | 77.21% | 77.24% | 77.26% |
| Employee trusts | 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% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| AU Small Finance Bank Limited | ₹77,886.80 Cr | ₹1,058.6 | 27.6 | 3.90 | 13.2% | 0.69 | +14.8% | +47.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Show all 16
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
53 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.