AU Small Finance Bank share price
NSE: AUBANKBSE: 540611BanksMid Cap
Share price at the NSE close on 29 Oct 2026. Previous close ₹879.10.
29 Oct: open ₹880.00, high ₹881.80, low ₹869.40
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹66,173 Cr145th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 20.99
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 3.03
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.11%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 15.7%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 5.58%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026.
- 1.99%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026.
- 0.81%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. Common equity tier 1 ratio in the glossary
- 18.54%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 1.51%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 21,78,23460.3% delivered
About AU Small Finance Bank
AU Small Finance Bank Limited is a bank that takes deposits from individuals, households and institutions and lends to retail customers, small businesses and companies across India.12 Its loans include vehicle, micro business, home, gold and personal loans, microfinance, credit cards and loans to businesses and real estate developers.3 It also offers payments, wealth management, insurance, transaction banking and foreign exchange services.1
Its customers range from salaried and self-employed people, merchants and farmers to micro-enterprises and affluent households in urban, semi-urban and rural markets.4 It reports results in treasury, retail banking (including digital banking), wholesale banking and other banking business, which covers selling other companies' products.5
It was incorporated in 1996 and started in Jaipur as a non-banking finance company lending to first-time commercial vehicle buyers, began operating as a small finance bank (a licence that requires much of its lending to go to small borrowers) on 19 Apr 2017 and listed its shares in Jul 2017.678 Fincare Small Finance Bank was merged into it with effect from 1 Apr 2024, adding gold loan capability and strengthening its presence in southern India.910 In Aug 2025 it became the first small finance bank in India to receive in-principle approval from the Reserve Bank of India (RBI) to become a universal bank, a full-service bank.11
Its founder, Sanjay Agarwal, is Managing Director and CEO; the RBI approved a further 3-year term from 19 Apr 2026.1213 It had 59,207 employees at the end of Mar 2026.14
AU Small Finance Bank key points
Results
- Profit after tax was ₹796 crore in the quarter to Jun 2026, up 37% from a year earlier, and net interest income (interest earned less interest paid) rose 32%.15
- Net interest margin (net interest income as a share of interest-earning assets) was 5.9% in the quarter to Jun 2026, up 47 basis points (hundredths of a percentage point) from a year earlier.16
- Return on assets (profit relative to total assets) was 1.7% in the quarter and return on equity (profit relative to shareholders' funds) 15.6%, against 1.5% and 13.3% a year earlier.17
- For the year to Mar 2026, profit after tax was ₹2,641 crore, up 25% from ₹2,106 crore, and operating profit before provisions for bad loans, including a ₹20 crore labour code impact, was ₹5,089 crore, up 11%.18
Market position
- A rating agency's report filed by the bank ranks it the largest small finance bank by asset size.19
- The company puts its market share at about 0.7% in loans and 0.6% in deposits.20
- In the year to Jun 2026 its loans grew 23% and its deposits 24%, against 17% for private sector banks' loans and an estimated 14% for their deposits.21
Loan book and deposits
- Share of loan portfolio by product222324The gross loan portfolio was ₹1,44,250 crore at the end of Jun 2026; about 90% of the business is secured.
Item end of Mar 2026 Wheels (vehicle loans) 33% Micro business loans 25% Commercial banking 22% Home loans 6% Microfinance 5% Gold loans 3% Credit cards and personal loans 2% Others 5% - At the end of Jun 2026 the wheels book was ₹48,600 crore, up 28% from a year earlier, and commercial banking ₹32,800 crore, up 34%; gold loans grew 130%.2526
- Deposits were ₹1.58 lakh crore at the end of Jun 2026; current and savings account deposits made up 29%, and stable deposits (these plus retail and non-callable bulk term deposits) 79%.2728
Branches and reach
- At the end of Jun 2026 it had 2,920 touchpoints (branches, asset centres, microfinance centres, ATMs and business correspondent channels) in 21 states and 4 union territories.29
Asset quality and capital
- Gross non-performing assets (loans whose repayments have stopped) were 2.1% of loans at the end of Jun 2026 and 0.8% after provisions set aside for them, against 2.0% and 0.7% at the end of Mar 2026.30
- In the quarter to Jun 2026, new bad loans (slippages) fell 22% from a year earlier to ₹798 crore, and credit cost (provisions for bad loans, including a guarantee fee) fell to 0.8% from 1.4%.31
- In inclusive banking, mainly microfinance (small loans to low-income borrowers), 96% of the book is covered by CGFMU, a government credit guarantee scheme, and collection efficiency (share of dues collected) was 99.5% in the quarter.32
- Its capital adequacy ratio (capital as a share of risk-weighted assets) was 18.7% at the end of Mar 2026, with Tier I (core) capital at 16.9%.33
What the company expects
- On its earnings call of 25 Jul 2026, the company said it aims to grow at 2 to 2.5 times India's nominal GDP growth rate (economic growth before adjusting for inflation).34
- On its earnings call of 25 Jul 2026, the company said it added 16 deposit branches in the quarter and was on track to add another 100 or more in the year.35
- On its earnings call of 25 Jul 2026, the company said it has capped microfinance at up to 10% of its book.3637
- The company stated in its annual report for the year to Mar 2026 that it plans to add 370 to 400 gold loan touchpoints and 10 to 15 dedicated gold loan branches.38
Recent events
- On 1 Oct 2026, ICRA reaffirmed its AA rating on the bank's Tier II bonds (debt counting towards regulatory capital) and raised the outlook from Stable to Positive.39
- On 8 Sep 2026, the RBI approved ICICI Prudential Asset Management Company, with its funds and clients, acquiring up to 9.95% of the bank's share capital or voting rights.40
- On 6 May 2026, the RBI approved Kotak Mahindra Bank, with its subsidiaries and their funds, acquiring up to 9.99% of the bank's share capital or voting rights.41
- On 6 Mar 2026, the RBI replaced its condition that promoters hold their shares in the future universal bank through a holding company; it now applies only if a group entity is set up. The bank submitted its final licence application in Mar 2026.4243
Litigation and regulatory matters
- As of its annual report of 13 Aug 2026, an operational matter behind outflows from Government of Haryana accounts late in the year to Mar 2026 was before the courts and under investigation; the bank paid the state ₹25 crore as redress.44
Last updated
All 44 sources, each with its page
- 1. Annual report, 13 Aug 2026, page 40
- 2. Earnings call, 25 Jul 2026, page 14
- 3. Investor presentation, 24 Sep 2026, page 7
- 4. Annual report, 13 Aug 2026, page 42
- 5. Annual report, 13 Aug 2026, page 302
- 6. Annual report, 13 Aug 2026, page 164
- 7. Annual report, 13 Aug 2026, page 15
- 8. Exchange filing, 1 Oct 2026, page 5
- 9. Exchange filing, 1 Dec 2025, page 4
- 10. Annual report, 13 Aug 2026, page 137
- 11. Annual report, 13 Aug 2026, page 67
- 12. Investor presentation, 24 Sep 2026, page 15
- 13. Annual report, 13 Aug 2026, page 121
- 14. Annual report, 13 Aug 2026, page 142
- 15. Earnings call, 25 Jul 2026, page 7
- 16. Earnings call, 25 Jul 2026, page 4
- 17. Earnings call, 25 Jul 2026, page 4
- 18. Annual report, 13 Aug 2026, page 130
- 19. Exchange filing, 1 Dec 2025, page 3
- 20. Investor presentation, 24 Sep 2026, page 16
- 21. Earnings call, 25 Jul 2026, page 4
- 22. Annual report, 13 Aug 2026, page 132
- 23. Investor presentation, 24 Sep 2026, page 11
- 24. Exchange filing, 1 Oct 2026, page 2
- 25. Earnings call, 25 Jul 2026, page 6
- 26. Earnings call, 25 Jul 2026, page 7
- 27. Earnings call, 25 Jul 2026, page 5
- 28. Earnings call, 25 Jul 2026, page 6
- 29. Exchange filing, 1 Oct 2026, page 5
- 30. Investor presentation, 24 Sep 2026, page 6
- 31. Earnings call, 25 Jul 2026, page 4
- 32. Earnings call, 25 Jul 2026, page 7
- 33. Annual report, 13 Aug 2026, page 128
- 34. Earnings call, 25 Jul 2026, page 8
- 35. Earnings call, 25 Jul 2026, page 6
- 36. Earnings call, 25 Jul 2026, page 17
- 37. Earnings call, 25 Jul 2026, page 18
- 38. Annual report, 13 Aug 2026, page 137
- 39. Exchange filing, 1 Oct 2026, page 1
- 40. Exchange filing, 9 Sep 2026, page 1
- 41. Exchange filing, 7 May 2026, page 1
- 42. Exchange filing, 7 Mar 2026, page 1
- 43. Annual report, 13 Aug 2026, page 67
- 44. Annual report, 13 Aug 2026, page 134
Results
Standalone; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.AU Small Finance Bank quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +16.8%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +45.0%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹6,382 Crup 6.51%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹858 Crup 7.76%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 4,732 | 5,031 | 5,189 | 5,224 | 5,451 | 5,750 | 5,992 | 6,382 |
| Net profit | 528 | 504 | 581 | 561 | 668 | 832 | 796 | 858 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹21,614 Crup 16.27%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,641 Crup 25.42%
Total income by year
Net profit by year, a loss in red
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Total income | 2,155 | 3,411 | 4,992 | 6,402 | 6,915 | 9,240 | 12,301 | 18,590 | 21,614 |
| Net profit | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 |
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- Retail banking- Other Retail BankingRetail banking- Other Retail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹15,780 Crup 12.70%73.0%
- TreasuryTreasury, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹3,208 Crup 25.08%14.8%
- Wholesale bankingWholesale banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹2,112 Crup 28.51%9.8%
- Other banking operationsOther banking operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹515 Crup 35.18%2.4%
- Retail banking- Digital Banking*Retail banking- Digital Banking*, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹0 CrNone
Valuation
Today, against the company's own history.AU Small Finance Bank PE ratio and valuation
At or below today's level on 3% of 2,026 trading days since May 2018.
At or below today's level on 9% of 1,802 trading days since Oct 2018.
At or below today's level on 69% of 2,264 trading days since Aug 2017.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +57.8% | +25.0% | +26.1% | 0.1% |
| 3 years | +13.5% | +18.1% | −4.1% | 0.2% |
| 5 years | +6.7% | +13.1% | −5.8% | 0.1% |
Mutual fund holdings
269 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 139 of the 171 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.All 269 funds holding AU Small Finance Bank
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 3
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 1
- AddedAdded. Funds that held more shares than at the end of the month before.
- 116
- CutCut. Funds that held fewer shares than at the end of the month before.
- 55
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 93
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 5
| Fund | |||
|---|---|---|---|
| 3,97,37,347 | 3.94% | ₹4,014.7 Cr | |
| 1,41,00,000 | 2.84% | ₹1,424.5 Cr | |
| 89,00,000 | 1.69% | ₹899.2 Cr | |
| 67,55,509 | 1.27% | ₹682.5 Cr | |
| 59,36,790 | 3.81% | ₹599.8 Cr | |
| 49,04,394 | 0.48% | ₹495.5 Cr | |
| 40,88,163 | 1.23% | ₹413.0 Cr | |
| 38,98,913 | 2.34% | ₹393.9 Cr | |
| 37,99,651 | 4.85% | ₹383.9 Cr | |
| 33,01,628 | 1.71% | ₹333.6 Cr |
Promoter and insider buying and selling
Trades made since 30 Oct 2025.AU Small Finance Bank insider trading
- Others0 purchases, 1 saleNo purchase₹2.69 CrNetNet. The value bought on the market less the value sold, over the trades whose filers stated a value.−₹2.69 Cr57 pledge filings of unclear kind
AU Small Finance Bank competitors and peers
Other Bank, 9 listed companies, priced on 29 Oct 2026. The table lists the 8 companies closest to AU Small Finance Bank in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 10,951 | 9.53 | 1.45 | +20.9% | +175.6% | 16.6% | 1.32% | 8.07% | 0.00% | |
| 6,541 | 9.29 | 1.00 | +15.3% | – | 11.4% | 0.18% | 6.85% | 0.00% | |
| 4,172 | 8.78 | 0.85 | +17.8% | +15.6% | 10.3% | 0.76% | 6.61% | 0.00% | |
| 2,216 | 8.18 | 1.10 | +24.6% | – | 14.4% | −0.57% | 9.53% | 0.00% | |
| 2,118 | – | 0.76 | −12.0% | – | −32.9% | −4.04% | 5.90% | 0.00% | |
| 1,415 | 5.95 | 0.64 | +29.0% | +265.0% | 11.3% | 0.86% | 7.25% | 1.13% | |
| 1,198 | 7.42 | 0.79 | +17.3% | +19.4% | 11.1% | 1.27% | 4.46% | 1.90% | |
| 1,023 | – | 1.33 | −24.0% | −119.0% | −2.0% | 1.10% | 3.45% | 0.00% |
Dividends
Per share, by the year it was paid for, and the latest payments.AU Small Finance Bank dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 31 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹1.00 |
| 4 Jul 2025 | Final | ₹1.00 |
| 12 Jul 2024 | Final | ₹1.00 |
| 14 Jul 2023 | Final | ₹1.00 |
| 28 Jul 2022 | Final | ₹0.50 |
| 18 Jul 2019 | Final | ₹0.75 |
Latest announcements
Routine notices left out.AU Small Finance Bank announcements
Oct 2026
24 Oct · Results
14 Oct · Disclosure
12 Oct · Analysts
12 Oct · Board meeting
AU Small Finance Bank share price by year
Each calendar year to 2025.AU Small Finance Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 994.50 | +77.9% | 996.45 | 491.80 |
| 2024 | 559.10 | −29.0% | 801.70 | 537.60 |
| 2023 | 787.40 | +20.3% | 790.40 | 558.40 |
| 2022 | 654.45 | +26.3% | 717.53 | 532.45 |
| 2021 | 518.25 | +21.6% | 679.88 | 426.33 |
| 2020 | 426.30 | +6.2% | 589.83 | 190.08 |
| 2019 | 401.55 | +29.1% | 418.03 | 275.83 |
| 2018 | 311.05 | −6.7% | 368.65 | 261.25 |
| 2017 | 333.40 | – | 362.13 | 262.63 |
Recent sessions
The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 28 Oct 2026 | 850.00 | 887.50 | 845.10 | 879.10 | 874.79 | 38,92,494 | 55.3% |
| 27 Oct 2026 | 869.00 | 877.90 | 848.00 | 848.00 | 861.50 | 22,53,168 | 38.4% |
| 26 Oct 2026 | 884.00 | 899.30 | 845.40 | 869.00 | 868.56 | 86,89,891 | 43.2% |
| 23 Oct 2026 | 954.70 | 954.70 | 920.90 | 932.90 | 928.20 | 18,95,148 | 57.6% |
| 22 Oct 2026 | 946.50 | 964.10 | 935.90 | 953.90 | 949.98 | 19,03,834 | 54.4% |
| 21 Oct 2026 | 971.70 | 972.10 | 943.80 | 954.00 | 951.83 | 19,07,222 | 59.2% |
| 19 Oct 2026 | 992.00 | 993.80 | 968.70 | 971.70 | 977.98 | 14,93,862 | 54.4% |
| 16 Oct 2026 | 1,002.80 | 1,003.20 | 980.90 | 989.40 | 988.46 | 10,32,287 | 54.0% |
| 15 Oct 2026 | 993.60 | 1,015.40 | 992.00 | 1,002.70 | 1,004.28 | 21,43,033 | 56.9% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Bonus share history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 9 Jun 2022 | Bonus | 0.5000 | Holders received 1 bonus share for every 1 held. |
Company details
- NSE symbol
- AUBANK
- BSE code
- 540611
- ISIN
- INE949L01017
- Industry
- Banks
- Website
- www.au.bank.in
- CIN
- L36911RJ1996PLC011381
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1996
- Registered office
- 19-A, Ajmer Road, Dhuleshwar Garden, Jaipur 302001, Rajasthan
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments