AU Small Finance Bank
- Market cap
- ₹ 70,142 Cr.
- P/E
- 194.1x
- P/B
- 3.56x
- 52-week range
- 831.65 – 1,144.1
- ROE
- 14%
- Dividend yield
- 0.1%
- Debt / equity
- 0.71
- Sector
- Banks
- Industry
- Other Bank
- Listed on
- NSE, BSE
About
AU Small Finance Bank Limited is an India-based non-deposit accepting non-banking financial company (NBFC-ND). The Company is engaged in providing a range of banking and financial services, including retail banking, wholesale banking and treasury operations and other services. Its segments include treasury, retail banking, wholesale banking, and other banking businesses. The treasury segment primarily consists of interest from investment portfolios, money market borrowing and lending. The retail banking segment include digital banking, and other retail banking. The wholesale banking segment provides loans and transaction services to large corporates, emerging corporates, public sector units, government bodies, financial institutions, and medium scale enterprises. Its personal banking includes savings account, salary account, and fixed deposits. It offers various types of loans, which include car loan, home loan, personal loan, tractor loan and others.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Other Bank: 9 companies →AU Small Finance Bank against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)194.1 against a typical 14.6: pricier than most peers (1st = cheapest).9th of 9
- Sales growth+24.4% against a typical +22.6% from a year earlier.4th of 9
- Profit growth+52.9% against a typical +83.6% from a year earlier.4th of 6
- Share price, 3 months−15.7% against a typical −16.9%.4th of 9
- Size₹ 70,142.4 Cr. market value against a typical ₹ 2,133.4 Cr. (1st = largest).1st of 9
Latest announcements
Exchange filings and their impact on the company.
- Strong Q2 with PAT up ~53% YoY on 22% income growth and better asset quality.
AU Small Finance Bank reported strong Q2 results for the quarter ended September 2026. Total income grew about 22% from last year to Rs 6,382 crore and net profit jumped about 53% to Rs 858 crore, helped by higher interest income and lower provisions. Asset quality also improved with gross bad loans falling to 1.99% from 2.41% a year ago, supporting a stronger earnings outlook.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA by ICRA- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | Withdrawn | — | 15 Oct 2026 |
| ICRA | [ICRA]AA | Positive | 1 Oct 2026 |
| CRISIL | Withdrawn | Stable | 2 Apr 2026 |
| India Ratings | Withdrawn | — | 21 Nov 2025 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 15 Oct 2026 | Withdrawn | — | — | CARE | — | |
| 1 Oct 2026 | New rating | [ICRA]AA | Low | ICRA | ₹ 100 Cr. | |
| 3 Sep 2026 | Withdrawn | — | — | CARE | — | |
| 1 Jun 2026 | Withdrawn | — | — | CARE | — | |
| 2 Apr 2026 | Withdrawn | was Crisil AA | — | CRISIL | ₹ 42,250 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 24 Oct 2026 | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 25 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 27 Apr 2026 | Financial Results/Dividend/Fund Raising | The meeting of the Board of Directors of the Bank will be held on Monday, April 27, 2026, to, inter alia, consider and approve the following:1. Audited Financial Results of the Bank for the Quarter and Financial Year ended on March 31, 2026.2. Recommend Dividend on equity shares, if any, for the financial year ended on March 31, 2026.3. Passing an enabling resolution for annual renewal of fund raising limits by way of:a) issuance of equity shares through private placement or qualified institutions placement (QIP) or preferential allotment or through a combination thereof or any other alternative mode, as may be considered appropriate, subject to necessary approvals and requirements, as applicable.b) issuance of debt instruments including but not limited to Bonds and Non-Convertible Debentures or such other debt securities as may be permitted by RBI from time to time, subject to necessary approvals and requirements, as applicable.Please refer attachment for further details. |
| 20 Jan 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 17 Oct 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 19 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,736 | 2,830 | 3,769 | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | 5,303 | 5,612 |
| Interest | 1,411 | 1,492 | 1,848 | 1,936 | 2,091 | 2,177 | 2,334 | 2,367 | 2,386 | 2,437 | 2,607 | 2,792 |
| Expenses | 1,269 | 1,346 | 1,761 | 1,854 | 1,938 | 2,197 | 2,076 | 2,128 | 2,181 | 2,231 | 2,321 | 2,436 |
| Financing Profit | 56 | −9 | 160 | 121 | 85 | −104 | −32 | 16 | 160 | 351 | 375 | 384 |
| Financing Margin % | 2% | 0% | 4% | 3% | 2% | −2% | −1% | 0% | 3% | 7% | 7% | 7% |
| Other Income | 442 | 464 | 509 | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 | 770 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 498 | 455 | 669 | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 | 1,154 |
| Tax % | 25% | 18% | 25% | 25% | 25% | 23% | 25% | 23% | 24% | 23% | 25% | 26% |
| Net Profit | 375 | 371 | 503 | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 | 858 |
| EPS in Rs | 5.61 | 5.54 | 6.76 | 7.68 | 7.1 | 6.77 | 7.79 | 7.52 | 8.94 | 11.12 | 10.63 | 11.42 |
| Gross NPA % | 2% | 1.7% | 1.8% | 2% | 2.3% | 2.3% | 2.5% | 2.4% | 2.3% | 2% | 2.1% | 2% |
| Net NPA % | 0.7% | 0.6% | 0.6% | 0.8% | 0.9% | 0.7% | 0.9% | 0.9% | 0.9% | 0.7% | 0.8% | 0.8% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 34%
- 5 Years
- 30%
- 3 Years
- 31%
- TTM
- 20%
- 10 Years
- 29%
- 5 Years
- 18%
- 3 Years
- 23%
- TTM
- 45%
- 10 Years
- —
- 5 Years
- 7%
- 3 Years
- 7%
- TTM
- —
- 10 Years
- 16%
- 5 Years
- 14%
- 3 Years
- 14%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| AU Small Finance Bank | ₹ 879.10 | ₹ 70,142 Cr. | 194.1x | 3.6x | 14% | — |
| HDFC Bank | ₹ 692.10 | ₹ 10,66,990 Cr. | 16.5x | 2.2x | 13.7% | 25.6% |
| ICICI Bank | ₹ 1,395.00 | ₹ 10,01,336 Cr. | 19.3x | 2.9x | 16% | 25.9% |
| State Bank of India | ₹ 957.00 | ₹ 8,83,384 Cr. | 11.8x | 1.6x | 15.4% | 21.4% |
| Kotak Mahindra Bank | ₹ 430.10 | ₹ 4,27,849 Cr. | 20.2x | 2.1x | 11.4% | 24.5% |
| Union Bank of India | ₹ 178.50 | ₹ 1,36,260 Cr. | 6.6x | 1x | 15.8% | 33.2% |
Management
- Sanjay Agarwal
- Chief Executive Officer, Founder, Managing Director, Executive Director
- Gaurav Jain
- Interim Chief Financial Officer
- Yogesh Jain
- Chief Operating Officer
- Ankur Tripathi
- Chief Information Officer
- Ashok Kumar Khandelwal
- Chief Compliance Officer
- Deepak Jain
- Chief Risk Officer
- Vivek Tripathi
- Additional Whole-Time Director, Chief Credit Officer
- Manoj Tibrewal
- Head of Human Resource, Admin and Infra
Prices are delayed and for information only. Nothing on this page is investment advice.