AU Small Fin. Bank
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AU Small Fin. Bank share price

AU Small Finance Bank Ltd.

NSE: AUBANK BSE: 540611 SECTOR: Bank - Private  3.44 L   1.24 K   223

990.60
+6.65 (0.68%)
NSE: 17 Apr 4:00 PM

Price Summary

Today's High

₹ 994.8

Today's Low

₹ 978.05

52 Week High

₹ 1039.2

52 Week Low

₹ 592

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 74123.34 Cr.

CASA %

29.17

No. of Shares

74.83 Cr.

P/E

32.05

P/B

3.94

Face Value

₹ 10

Div. Yield

0.1 %

Book Value (TTM)

₹  251.45

Net Interest Income

₹ 8011.58 Cr.

Cost To Income %

56.53

Promoter Holding

22.79 %

EPS (TTM)

₹  30.91

CAR %

20.06

ROE

14.26 %

ROCE

15.45%

Profit Growth

37.22 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 49Indices.

NFT150MOM50

Nifty Midcap150 Momentum 50
61801.95
  701.849999999999 (1.14868879101671%)

NIFTYMIDCAP

NIFTY Midcap 100
59898.2
  751.449999999997 (1.27048400799705%)

BANKNIFTY

Nifty Bank
56565.7
  479.299999999996 (0.854574370970496%)

NFT500MOM50

Nifty500 Momentum 50
52159.6
  420.199999999997 (0.812147029149934%)

NIFTYALPHA

Nifty Alpha 50
51029.9
  534 (1.05751159995169%)

NYMIDSML400MQ100

Nifty MidSmallcap400 Momentum Quality 100 Index
49470.45
  854.299999999996 (1.75723499289844%)

NFTY200MOM30

Nifty200 Momentum 30
30788.05
  255 (0.83516058828057%)

NT200ALP30

NIFTY200 Alpha 30
25445.65
  243.150000000001 (0.964785239559562%)

NIFTY500

Nifty 500
22869.4
  213.100000000002 (0.94057723458818%)

NIFTYMIDCAP150

Nifty Midcap 150
22045.2
  264.700000000001 (1.21530727026469%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
21265.15
  310.950000000001 (1.48395071155187%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19974.35
  257 (1.30342059150952%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17609
  202.950000000001 (1.16597389987965%)

MIDCAP50

Nifty Midcap 50
17014.6
  209.799999999999 (1.24845282300294%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
16308
  161.950000000001 (1.00303170125202%)

LIX 15 MIDCAP

Nifty Midcap Liquid 15
16011.5
  160.6 (1.0131916799677%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15934.25
  169.049999999999 (1.07229848019688%)

NFT500EQUAL

Nifty 500 Equal Weight
14085.65
  184.5 (1.3272283228366%)

NIFTY200

Nifty 200
13862.85
  120.6 (0.877585548218085%)

NIFTYMIDSELECT

Nifty Midcap Select
13838.85
  155.15 (1.13383076214766%)

NIFTYTOTALMCAP

Nifty Total Market index
12851.85
  120.950000000001 (0.950050664132163%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

NIFTYFPI150

Nifty India FPI 150
1546.95
  13.45 (0.877078578415391%)

SNXT50

S&P Bse Sensex Next 50
84842.05
  1122.46000000001 (1.34073757408513%)

BANKEX

S&P Bse Bankex
63718.35
  515.979999999996 (0.81639343587907%)

MIDCAP

S&P Bse Mid Cap
44246.27
  -699.210000000006 (-1.55568479856041%)

BSE500MOM50

BSE 500 Momentum 50
43581.05
  445.830000000002 (1.03356375602119%)

BSE500

S&P Bse 500
35820.15
  334.239999999998 (0.941894966199253%)

BSE100

S&P Bse 100
25755.21
  203.23 (0.7953591072003%)

FOCMID

BSE Focused Midcap
23660.91
  354.470000000001 (1.52091010038429%)

BSEPVTBANK

S&P Bse Private Bank
19490.83
  150.470000000001 (0.778010336932722%)

BSEIND150

BSE India 150 Index
18541.25
  154.630000000001 (0.840991982213168%)

MIDSEL

S&P Bse MidCap Select Index
17064.25
  221.110000000001 (1.3127599723092%)

BSETOP10BANK

BSE Top 10 Banks
16839.05
  121.98 (0.729673321939783%)

MID150

S&P Bse 150 MidCap
16131.51
  201.120000000001 (1.26249263200713%)

200EQW

BSE 200 Equal Weight
13255.15
  145.619999999999 (1.11079497129187%)

FIN

S&P Bse Finance
12428.64
  98 (0.794768154775416%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
11923.12
  158.480000000001 (1.34708754369026%)

BSE200

S&P Bse 200
11238.26
  95.2299999999996 (0.85461494763992%)

LMI250

S&P Bse 250 LargeMidCap
10675.58
  93.1399999999994 (0.880137284029003%)

BSE1000

Bse 1000
10645.34
  100.76 (0.955562004366217%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
10319.66
  72.75 (0.709970127579918%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

CARBONEX

S&P Bse Carbonex
4344.48
  15.7799999999997 (0.364543627417002%)

SPBSMOIP

S&P Bse Momentum
2181.28
  17.4200000000001 (0.805042840109804%)

BMIDSMLPVTBANK

BSE MidSmall Private Banks Quality Tilt
1760.62
  18.9699999999998 (1.08919702580885%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1607.38
  18.1300000000001 (1.140789680667%)

ESG100

S&P Bse 100 ESG Index
409.98
  3.25 (0.799055884739253%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year14.26%
3 Year14.29%
5 Year16.35%

ROA%

1 Year1.58%
3 Year1.64%
5 Year1.86%

Net NPA%

1 Year0.74%
3 Year0.57%
5 Year0.88%

 NIM

1 Year5.19%
3 Year5.02%
5 Year4.91%

CAR %

20.06

Cost of Liabilities %

5.9238

PEG Ratio

1.37

Advances Growth %

46.3759

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2025 22.79 0.00
Sep 2025 22.82 0.00
Jun 2025 22.85 0.00
Mar 2025 22.87 0.00
Dec 2024 22.88 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.6354% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 14.2916666666667%.
  • The company has been consistently maintaining a NIM of 5.01883333333333% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.57%.
  • Good Capital Adequacy Ratio of 20.06%.
  • The company has delivered good Profit growth of 23.0673468206881% over the past 3 years.
  • The company has delivered good Income growth of 39.4647580247697% over the past 3 years.
  • Strong Advances growth of 32.4445990819113% in the last 3 years.

 Limitations

  • CASA Growth of -4.2355% YoY, which is very low.
  • High Cost to income ratio of 56.5314%.
  • Increase in Provision and contingencies of 359.654347819398% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
Interest Earned 4113.48 4270.6 4378.44 4511.28 4727.47
Other Income 618.41 760.67 810.61 712.58 723.8
Interest Expended 2090.77 2176.68 2333.77 2366.87 2386.2
Operating Expenses 1436.21 1562.33 1543.07 1647.28 1849.75
Total Provisions 501.68 635.11 533.31 480.83 331.14
Profit Before Tax 703.23 657.15 778.9 728.89 884.17
Tax 174.78 153.45 198.05 168.02 216.51
Net Profit 528.45 503.7 580.86 560.87 667.66
Net NPA % 0.91 0.74 0.88 0.88 0.88
Gross NPA % 2.31 2.28 2.47 2.41 2.3
Return on Assets % 0.37 0.34 0.37 0.35 0.39
NPM % 12.85 11.79 13.27 12.43 14.12

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 4950.05 5921.73 8205.41 10554.71 16063.73
Other Income 1420.93 993.69 1034.46 1697.14 2526.31
Interest Expended 2584.61 2687.61 3780.13 5397.63 8052.15
Operating Expenses 1658.43 2412.77 3440.27 4464.8 5957.22
Total Provisions 669.44 360.97 154.83 389.99 1792.62
Profit Before Tax 1458.5 1454.07 1864.65 1999.43 2788.06
Taxes 287.82 324.24 436.72 464.71 682.13
Net Profit 1170.68 1129.83 1427.93 1534.72 2105.93
Adjusted EPS (Rs.) 18.75 17.94 21.42 22.93 28.29

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 312.21 314.9 666.75 669.16 744.53
Total Reserves 5859.89 7157.78 10266.57 11827.64 16297.52
Deposits 35979.31 52584.62 69364.99 87182.12 124268.54
Borrowings 7029.7 5990.78 6298.65 5479.37 11659.9
Other Liabilities 2307.08 2988.39 3575.14 4204.65 4750.94
Total Liabilities 51591.31 69077.8 90216.12 109425.67 157845.67
Assets
Balance with RBI 1569.35 5753.41 8916.09 4638.01 8604.62
Balance with Banks 3211.99 175.11 509.08 1738.32 861.74
Investments 10815.41 15306.5 20072.01 27133.37 37847.52
Advances 34608.91 46095.26 58421.54 73162.65 107092.48
Net Block 477.37 608.67 707.29 784.13 825.03
Other Assets 903.27 1124.95 1557.25 1901.72 2526.83
Total Assets 51591.31 69077.8 90216.12 109425.67 157845.67
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2024% Mar 2025% Jun 2025% Sep 2025% Dec 2025%
promoters 22.88 22.87 22.85 22.82 22.79
jyoti agarwal 3.18 3.17 3.17 3.17 3.16
mys holdings private limi... 1.46 1.45 1.45 1.45 1.45
sanjay agarwal 15.75 15.74 15.73 15.71 15.68
shakuntala agarwal 2.50 2.50 2.50 2.50 2.49
PARTICULARS Dec 2024% Mar 2025% Jun 2025% Sep 2025% Dec 2025%
investors 77.12 77.13 77.15 77.18 77.21
aditya birla sun life tru... 2.46 2.26 2.20 2.26 1.90
axis max life insurance l... - - - - 1.11
camas investments pte. lt... 3.62 3.62 3.62 3.61 3.61
dsp midcap fund 3.00 2.59 2.40 2.11 1.91
hdfc life insurance compa... 1.35 1.58 1.61 1.58 1.60
hdfc mutual fund - hdfc m... - - 6.37 7.16 7.11
invesco india flexi cap f... - - - - 1.84
janchor partners pan-asia... 1.08 1.08 1.08 1.07 1.07
kotak flexicap fund 2.09 1.50 1.48 1.47 1.60
llp 0.17 0.17 0.19 0.18 0.16
new world fund inc 3.85 2.82 2.82 2.19 2.18
nippon life india trustee... - - - 3.23 2.72
nomura india investment f... 1.74 1.68 1.61 1.60 1.60
sbi life insurance co. lt... 1.09 1.40 1.65 1.78 1.75
smallcap world fund, inc 3.35 2.52 2.51 2.51 2.44
uti nifty 200 momentum 30... - - - - 1.25
uttam tibrewal - 1.86 1.86 1.79 1.79
zulia investments pte. lt... 1.37 1.36 1.36 1.36 1.36
invesco india arbitrage f... - - - 1.42 -
nippon life india trustee... 2.48 3.37 2.96 - -
sbi equity hybrid fund 1.06 1.22 1.54 - -
wf asian smaller companie... - 1.43 1.43 - -
business excellence trust... 1.12 1.27 - - -
hdfc mutual fund - hdfc m... 3.39 5.65 - - -
indium iv mauritius holdi... - 1.01 - - -
mirae asset large & midca... - 1.29 - - -
ta fdi investors limited - 1.26 - - -
true north fund v llp - 1.02 - - -
df international partners... 1.84 - - - -
fincare business services... 6.27 - - - -
uttam tibrewal 1.86 - - - -

Annual Reports

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Annual report 2024
Annual Report 2024
Annual report 2023
Annual Report 2023
Annual report 2022
Annual Report 2022
Annual report 2021
Annual Report 2021
Annual report 2020
Annual Report 2020
Annual report 2019
Annual Report 2019
Annual report 2018
Annual Report 2018
Annual report 2017
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Company News

AU Small Finance Bank informs about disclosure 13 Mar, 11:46 AM AU Small Finance Bank informs about allotment of equity shares 12 Mar, 5:28 PM AU Small Fin. Bank - Quaterly Results 21 Jan, 12:00 AM AU Small Finance Bank gains on reporting 23% rise in total deposits during Q3FY26 5 Jan, 12:04 PM AU Small Finance Bank reports 23% rise in total deposits during Q3FY26 5 Jan, 11:51 AM AU Small Finance Bank surges on getting nod for increase in foreign investment limit 10 Dec, 12:50 PM AU Small Finance Bank gets nod for increase in foreign investment limit 10 Dec, 12:22 PM AU Small Finance Bank informs about conference call 18 Oct, 1:17 PM AU Small Fin. Bank - Quaterly Results 18 Oct, 12:00 AM AU Small Finance Bank informs about outcome of board meeting 17 Oct, 5:31 PM AU Small Finance Bank gets RBI’s in-principle nod to become Universal Bank 8 Aug, 10:30 AM AU Small Finance Bank enters into strategic corporate agency partnership with SBI Life Insurance 4 Aug, 2:30 PM AU Small Finance Bank reports 16% rise in Q1 net profit 21 Jul, 10:30 AM AU Small Fin. Bank - Quaterly Results 19 Jul, 4:25 PM AU Small Fin. Bank - Quaterly Results 19 Jul, 4:25 PM AU Small Fin. Bank - Quaterly Results 19 Jul, 4:25 PM AU Small Finance Bank enters into partnership with Life Insurance Corporation of India 30 Jun, 3:41 PM AU Small Finance Bank informs about allotment of equity shares 17 May, 12:29 PM AU Small Finance Bank’s Q4 net profit rises 36% to Rs 503.70 crore 23 Apr, 11:30 AM AU Small Fin. Bank - Quaterly Results 22 Apr, 4:14 PM AU Small Fin. Bank - Quaterly Results 22 Apr, 4:14 PM AU Small Fin. Bank - Quaterly Results 22 Apr, 4:14 PM AU Small Finance Bank informs about credit rating 3 Apr, 5:28 PM AU Small Finance Bank informs about updates 3 Apr, 10:02 AM AU Small Finance Bank informs about disclosure 21 Feb, 1:03 PM AU Small Fin. Bank - Quaterly Results 24 Jan, 2:41 PM AU Small Fin. Bank - Quaterly Results 24 Jan, 2:41 PM AU Small Fin. Bank - Quaterly Results 24 Jan, 2:41 PM AU Small Finance Bank informs about disclosure 4 Jan, 9:33 AM AU Small Finance Bank enters into partnership with Bharti AXA Life Insurance 28 Nov, 3:58 PM AU Small Finance Bank’s Q2 net profit rises 42% to Rs 571.21 crore 24 Oct, 2:10 PM AU Small Fin. Bank - Quaterly Results 23 Oct, 3:37 PM AU Small Fin. Bank - Quaterly Results 23 Oct, 3:37 PM AU Small Fin. Bank - Quaterly Results 23 Oct, 3:37 PM AU Small Finance Bank enters into partnership with Niva Bupa Health Insurance 20 Sep, 12:12 PM AU Small Finance Bank enters into corporate agency agreement with Kotak Mahindra Life Insurance 10 Sep, 9:50 AM AU Small Finance Bank applies for voluntary transition from Small Finance Bank to Universal Bank 4 Sep, 10:51 AM AU Small Finance Bank informs about allotment of equity shares 31 Jul, 2:42 PM AU Small Finance Bank reports 30% rise in Q1 net profit 26 Jul, 12:30 PM AU Small Fin. Bank - Quaterly Results 25 Jul, 4:03 PM AU Small Fin. Bank - Quaterly Results 25 Jul, 4:03 PM AU Small Fin. Bank - Quaterly Results 25 Jul, 4:03 PM AU Small Finance Bank informs about disclosure 6 Jul, 12:57 PM RBI imposes penalty on AU Small Finance Bank 14 Jun, 5:45 PM AU Small Finance Bank informs about allotment of equity shares 31 May, 12:54 PM AU Small Finance Bank reports 13% fall in Q4 net profit 25 Apr, 12:16 PM AU Small Finance Bank informs about press release 24 Apr, 5:18 PM AU Small Fin. Bank - Quaterly Results 24 Apr, 4:00 PM AU Small Fin. Bank - Quaterly Results 24 Apr, 4:00 PM AU Small Fin. Bank - Quaterly Results 24 Apr, 4:00 PM

AU Small Fin. Bank Stock Price Analysis and Quick Research Report. Is AU Small Fin. Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how AU Small Fin. Bank is performing and if it is the right time to buy the stock of AU Small Fin. Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. AU Small Fin. Bank has earned Rs 16063.7309 Cr. revenue in the latest financial year. AU Small Fin. Bank has posted outstanding revenue growth of 39.4647580247697% in last 3 Years.

  • In terms of advances, AU Small Fin. Bank reported 46.3759% YOY,  rise . If you see 3 years advance growth, it stands at 32.4445990819113%.

  • Currently, AU Small Fin. Bank has a CASA ratio of 29.1731%. It’s overall cost of liability stands at 5.9238 %. Also, the total deposits from these accounts stood at Rs 124268.5438 Cr.

  • AU Small Fin. Bank has a healthy ROA track record. The ROA of AU Small Fin. Bank is at 1.5759%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of AU Small Fin. Bank stood at 2.28% and 0.74% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 359.654347819398% which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of AU Small Fin. Bank surged and is currently at Rs 2526.3111 Cr.

  • AU Small Fin. Bank has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently AU Small Fin. Bank is trading at a P/B of 3.9404 . The historical average PB was 4.06896.

One can find all the Financial Ratios of AU Small Fin. Bank in Ticker for free. Also, one can get the intrinsic value of AU Small Fin. Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

AU Small Fin. Bank FAQs

Q1. What is AU Small Fin. Bank share price today?
Ans: The current share price of AU Small Fin. Bank is Rs 990.6.

Q2. What is the market capitalisation of AU Small Fin. Bank?
Ans: AU Small Fin. Bank has a market capitalisation of Rs 74123.34100626 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of AU Small Fin. Bank?
Ans: The PE ratio of AU Small Fin. Bank is 32.0452891225232 and the P/B ratio of AU Small Fin. Bank is 3.93956157364526, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of AU Small Fin. Bank share?
Ans: The 52-week high share price of AU Small Fin. Bank is Rs 1039.2, and the 52-week low share price of AU Small Fin. Bank is Rs 592.

Q5. Does AU Small Fin. Bank pay dividends?
Ans: Currently, AU Small Fin. Bank pays dividends. Dividend yield of AU Small Fin. Bank is around 0.1009%.

Q6. What are the face value and book value of AU Small Fin. Bank shares?
Ans: The face value of AU Small Fin. Bank shares is Rs 10, while the book value per share of AU Small Fin. Bank is around Rs 251.4493. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of AU Small Fin. Bank?
Ans: The ROE of AU Small Fin. Bank is 14.2587% and ROCE of AU Small Fin. Bank is 15.4549%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is AU Small Fin. Bank a good buy for the long term?
Ans: The AU Small Fin. Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is AU Small Fin. Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the AU Small Fin. Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check AU Small Fin. Bank’s financials?
Ans: You can review AU Small Fin. Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about AU Small Fin. Bank

AU Small Finance Bank Share Price, Stock Analysis & Company Profile

AU Small Finance Bank is one of India’s leading small finance banks, focused on providing banking and financial services to underserved and retail segments. Known for its strong presence in vehicle finance and MSME lending, the bank has built a scalable and technology-driven banking model.

Stay updated with broader banking sector movements and benchmark AU Small Finance Bank against market trends, check the latest stock market insights here.

This page serves as a comprehensive resource for investors to track the AU Small Finance Bank share price on the NSE and BSE, along with essential data required for a detailed stock analysis.

About AU Small Finance Bank

Founded in 1996 by Sanjay Agarwal as a non-banking finance company, AU Small Finance Bank transitioned into a scheduled commercial small finance bank in 2017. Headquartered in Jaipur, Rajasthan, the bank has steadily expanded its footprint across India.

The bank focuses on retail banking, MSME lending, vehicle finance, and affordable housing finance. It has developed a strong franchise in semi-urban and rural markets, supported by a growing digital banking platform. Its customer-centric approach and disciplined underwriting have contributed to consistent growth and improving asset quality.

AU Small Finance Bank Business Model

AU Small Finance Bank operates through a diversified retail-focused banking model:

  • Retail Banking: The bank offers savings accounts, fixed deposits, and personal banking solutions, building a stable and low-cost deposit base.
     
  • Vehicle Finance: A core segment for AU Bank, it provides financing for commercial vehicles and passenger vehicles, particularly in tier 2 and tier 3 markets.
     
  • MSME Lending: The bank supports small businesses through working capital loans and term financing, contributing to priority sector lending.
     
  • Housing Finance: AU Bank provides affordable housing loans, targeting individuals in emerging income segments.
     
  • Digital Banking: The bank is rapidly expanding its digital capabilities through mobile banking, internet banking, and fintech integrations to improve customer experience and operational efficiency.

AU Small Finance Bank Listing and IPO Details

AU Small Finance Bank is listed on major Indian stock exchanges and is widely tracked among private sector banking stocks.

NSE Symbol: AUBANK

BSE Scrip Code: 540611

Face Value: Rs 10 per share

ISIN: INE949L01017

Sector Status: 

AU Small Finance Bank operates within the private banking sector and is often analysed for its retail lending strength, asset quality, and deposit growth trajectory.

Track performance of similar banking stocks and sector-wide trends to better position your analysis, view detailed sector insights here

Interested in upcoming banking and financial sector IPOs and new investment opportunities, review the latest IPO listings and details here

AU Small Finance Bank Corporate Action History

AU Small Finance Bank has maintained a growth-oriented approach while balancing shareholder returns.

Stock Split History

The bank has maintained a stable capital structure and has not frequently undertaken stock splits.

Dividend History

Dividend payouts have been moderate, with a focus on reinvesting earnings for expansion and growth.

  • FY 2023-24: Declared a modest dividend while maintaining strong capital adequacy.
     
  • FY 2022-23: Continued dividend payouts reflecting stable profitability.

Note: Dividend decisions depend on profitability, capital requirements, and regulatory guidelines for banks.

Investor Resources Available on This Page

On this page, investors can access key financial and operational data for a structured AU Small Finance Bank stock analysis:

  • Price Chart: Track the latest trends and historical performance of the AU Small Finance Bank share price (data delayed by 15 minutes).
     
  • Company Ratios: Evaluate important metrics such as Net Interest Margin (NIM), Return on Assets (ROA), and Capital Adequacy Ratio (CAR).
    Want to compare AU Small Finance Bank with other private banks using key financial metrics, filter and analyse stocks using the advanced screener tool.
     
  • Quarterly Results: Analyse revenue growth, net interest income, and profitability trends along with asset quality indicators.
     
  • Balance Sheet & Cash Flow: Review loan book composition, deposit growth, and capital structure.
     
  • Shareholding Pattern: Track promoter holdings, institutional investments, and public shareholding trends.
     
  • Pros & Cons: Quick insights into strengths such as strong retail franchise versus risks like exposure to unsecured lending segments.
    Looking for ready-made stock portfolios based on expert strategies, discover curated stock bundles tailored to different goals.
     
  • Annual Reports: Download official annual reports and investor disclosures directly from the Reports Section on this page.

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Frequently Asked Questions

Q1. What is the latest AU Small Finance Bank share price?
The current share price is displayed at the top of this page. Data from NSE and BSE may be delayed by up to 15 minutes.

Q2. What does AU Small Finance Bank do?
AU Small Finance Bank provides retail banking, MSME lending, vehicle finance, and housing finance services across India.

Q3. Does AU Small Finance Bank pay dividends?
Yes, the bank pays dividends periodically, although payouts are moderate due to its growth-focused strategy.

Q4. What is the face value of AU Small Finance Bank shares?
The face value of each equity share is Rs 10.

Q5. Is AU Small Finance Bank a good long-term investment?
AU Small Finance Bank is considered a growth-oriented banking stock with strong retail focus, but investors should assess risks such as credit quality and competition.

Q6. Where can I find the latest AU Small Finance Bank Annual Report?
You can access the latest annual reports and financial disclosures from the Reports or Documents section available on this page.

Q7. What makes AU Small Finance Bank different from traditional banks?
AU Small Finance Bank focuses on underserved segments such as MSMEs and rural customers, with a strong emphasis on retail lending and financial inclusion.

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