AU Small Finance Bank Ltd
NSE: AUBANK · Other Bank · sector
₹869.00NSE close 2026-10-26
Key numbers
Market cap₹65,086 cr
Price₹869.00
52w high / low₹1,144 / ₹832
P/E22.7xSector median 12.4x
P/B3.3xSector median 1.1x
Book value₹266.7
Dividend yield0.11%Sector median 0.11%
ROE15.4%Sector median 8.8%
ROA1.49%Sector median 0.84%
Gross NPA2.10%
Net NPA0.76%
CET117.14%
Sales growth 3y+31.4%Sector median +31.9%
Profit growth 3y+22.8%Sector median +7.1%
PEG1.30x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 4 of the last 5 financial years.
- Price ₹869.00 on 2026-10-26: -24.0% from the 52-week high, +4.5% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹1,113.50 · low ₹504.00
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | 5,303 |
| Net interest income | 1,974 | 2,023 | 2,094 | 2,045 | 2,144 | 2,341 | 2,582 | 2,696 |
| Operating profit | 1,132 | 1,205 | 1,292 | 1,312 | 1,210 | 1,215 | 1,352 | 1,435 |
| Other income | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 |
| Net profit | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 |
| EPS (₹) | 7.68 | 7.10 | 6.77 | 7.80 | 7.52 | 8.94 | 11.13 | 10.63 |
| Gross NPA % | 1.98 | 2.31 | 2.28 | 2.47 | 2.41 | 2.30 | 2.03 | 2.10 |
| Net NPA % | 0.75 | 0.91 | 0.74 | 0.88 | 0.88 | 0.88 | 0.74 | 0.76 |
| Revenue YoY | +15.4% | +14.9% | +17.5% | +21.1% | ||||
| Profit YoY | -1.8% | +26.3% | +65.2% | +37.0% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 5,922 | 8,205 | 10,555 | 16,064 | 18,636 | 19,561 |
| Net profit | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 | 2,856 |
| EPS (₹) | 36.06 | 21.86 | 22.98 | 28.32 | 35.40 | 38.22 |
| Revenue growth | +38.6% | +28.6% | +52.2% | +16.0% | +17.3% | |
| Profit growth | +26.4% | +7.5% | +37.2% | +25.4% | +30.8% | |
| Dividend / share (₹) | – | 0.50 | 1.00 | 1.00 | 1.00 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +31.4% | +30.4% | +17.3% |
| Net profit | +22.8% | +17.7% | +30.8% |
| EPS | +17.4% | -1.5% | – |
| Share price | – | +19.8% (2y) | +10.8% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | – | 12,560 | 17,166 | 19,974 |
| Borrowings | – | – | 5,479 | 11,660 | 13,872 |
| Cash & equivalents | – | – | 0 | 0 | 0 |
| Total assets | – | – | 1,09,426 | 1,57,846 | 1,91,797 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Cash from investing | -4,753 | -4,320 | -4,855 | -5,931 | -5,090 |
| Cash from financing | -948 | 2,323 | -802 | 2,407 | 2,318 |
| Capex | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | – | 12.2% | 12.3% | 13.2% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 22.67% |
| FIIs | 36.06% |
| DIIs | 32.83% |
| of which Mutual funds | 24.85% |
| of which Insurance | 6.58% |
| Public (non-institutions) | 8.44% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 22.88% | 22.87% | 22.85% | 22.82% | 22.79% | 22.76% | 22.74% | 22.67% |
| Promoter group | % |
|---|---|
| Sanjay Agarwal | 15.60% |
| Jyoti Agarwal | 3.15% |
| Shakuntala Agarwal | 2.48% |
| Mys Holdings Private Limited | 1.44% |
| Yuvraj Agarwal | 0.00% |
| Mallika Agarwal | 0.00% |
| Public holders above 1% | % |
|---|---|
| HDFC Value Fund | 7.01% |
| Nippon Life India Trustee Ltd-a/c Nippon India ETF Nifty Midcap 150 | 4.25% |
| Camas Investments PTE. Ltd. | 3.59% |
| Smallcap World Fund, INC | 2.16% |
| SBI Life Insurance Co. Ltd | 1.96% |
| Invesco India Large & MID CAP Fund | 1.80% |
| Uttam Tibrewal | 1.78% |
| Aditya Birla SUN Life Mutual Fund - Aditya Birla SUN Life ESG Integration Strategy Fund | 1.71% |
| NEW World Fund INC | 1.66% |
| HDFC Life Insurance Company Limited | 1.63% |
| Kotak Flexicap Fund | 1.51% |
| Nomura India Investment Fund Mother Fund | 1.41% |
| Zulia Investments PTE. Ltd. | 1.35% |
| Government Pension Fund Global | 1.21% |
| Uti-banking and Financial Services Fund | 1.14% |
1,63,131 shareholders. Pledged: 0.00% of promoter shares.
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹65,086 cr | 22.7x | 3.3x | 15.4% | 1.49% | 2.10% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,731 cr | 9.3x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,354 cr | 14.4x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹3,989 cr | 10.5x | 0.9x | 8.8% | 0.80% | 2.39% | – | – |
| UTKARSHBNK | ₹2,086 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹1,932 cr | 17.4x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,385 cr | 7.2x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,187 cr | 7.9x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.53% |
| FINOPB | ₹995 cr | 47.6x | 1.2x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Retail banking- Other Retail Banking | ₹15,780 cr | 73.0% | ₹1,931 cr | 12.2% |
| Treasury | ₹3,208 cr | 14.8% | ₹479 cr | 14.9% |
| Wholesale banking | ₹2,112 cr | 9.8% | ₹589 cr | 27.9% |
| Other banking operations | ₹515 cr | 2.4% | ₹475 cr | 92.3% |
| Retail banking- Digital Banking* | ₹0 cr | 0.0% | ₹-0 cr | -24,500.0% |
| Capital and Other Reserves | ₹0 cr | – | ₹0 cr | – |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-07-31 | Dividend | Dividend - Re 1 Per Share |
| 2025-07-04 | Dividend | Dividend - Re 1 Per Share |
| 2024-07-12 | Dividend | Dividend - Re 1 Per Share |
| 2023-07-14 | Dividend | Dividend - Re 1 Per Share |
| 2022-07-28 | Dividend | Dividend - Rs 0.50 Per Share |
| 2022-06-09 | Bonus | Bonus 1:1 |
| 2019-07-18 | Dividend | Annual General Meeting/Dividend - Rs 0.75 Per Share |
| 2018-07-30 | Dividend | Annual General Meeting/Dividend- Re 0.50 Per Share |
| 2017-09-19 | Other | Annual General Meeting |
Documents
- Annual report FY26
- Annual report FY26
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance Service: • Retail Secured assets: Wheels, Mortgages, and Gold Loans • Commercial Banking: Business Banking (including Agri Banking), EEFI, REG, and Renewable Energy • Inclusive Banking: MFI, FPO financing and SMF • Digital Unsecured assets: Credit Cards and Personal Loans • Branch Banking: Urban Banking, Swadesh Banking, Govt. & Wholesale Banking • Digital Banking: AU 0101 app, Video Banking, chatbot
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | AUBANK |
| BSE code | 540611 |
| ISIN | INE949L01017 |
| Face value | ₹10.0 |
| Incorporated | 1996-01-10 |
| Website | www.au.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.