AU Small Finance Bank logo

AU Small Finance Bank share price

NSE: AUBANKBSE: 540611BanksMid Cap

AU Small Finance Bank Limited · Face value ₹10 · Listed Jul 2017 · Issue price ₹358
Last close ₹880.70up ₹1.60 (0.18%)BSE ₹879.50

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

52-week range of traded prices to 29 Oct 2026
₹831.65Low, 2 Apr 2026₹1,144.10High, 25 Aug 2026
Market cap
₹66,173 Cr145th largest listed
P/E
20.99
P/B
3.03
Dividend yield
0.11%
ROE
15.7%
NIM
5.58%
Gross NPA
1.99%
Net NPA
0.81%
CET1
18.54%
ROA
1.51%
Volume, NSE
21,78,23460.3% delivered

AU Small Finance Bank share price chart

Daily closes since Jul 2017, adjusted for splits and bonuses

−0.2%over a year · Nifty Bank −6.0% · Nifty 500 −8.4%

Results20-session average 21,89,781 shares a day, 53.3% 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 product222324
    Itemend of Mar 2026
    Wheels (vehicle loans)33%
    Micro business loans25%
    Commercial banking22%
    Home loans6%
    Microfinance5%
    Gold loans3%
    Credit cards and personal loans2%
    Others5%
    The gross loan portfolio was ₹1,44,250 crore at the end of Jun 2026; about 90% of the business is secured.
  • 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. 1. Annual report, 13 Aug 2026, page 40
  2. 2. Earnings call, 25 Jul 2026, page 14
  3. 3. Investor presentation, 24 Sep 2026, page 7
  4. 4. Annual report, 13 Aug 2026, page 42
  5. 5. Annual report, 13 Aug 2026, page 302
  6. 6. Annual report, 13 Aug 2026, page 164
  7. 7. Annual report, 13 Aug 2026, page 15
  8. 8. Exchange filing, 1 Oct 2026, page 5
  9. 9. Exchange filing, 1 Dec 2025, page 4
  10. 10. Annual report, 13 Aug 2026, page 137
  11. 11. Annual report, 13 Aug 2026, page 67
  12. 12. Investor presentation, 24 Sep 2026, page 15
  13. 13. Annual report, 13 Aug 2026, page 121
  14. 14. Annual report, 13 Aug 2026, page 142
  15. 15. Earnings call, 25 Jul 2026, page 7
  16. 16. Earnings call, 25 Jul 2026, page 4
  17. 17. Earnings call, 25 Jul 2026, page 4
  18. 18. Annual report, 13 Aug 2026, page 130
  19. 19. Exchange filing, 1 Dec 2025, page 3
  20. 20. Investor presentation, 24 Sep 2026, page 16
  21. 21. Earnings call, 25 Jul 2026, page 4
  22. 22. Annual report, 13 Aug 2026, page 132
  23. 23. Investor presentation, 24 Sep 2026, page 11
  24. 24. Exchange filing, 1 Oct 2026, page 2
  25. 25. Earnings call, 25 Jul 2026, page 6
  26. 26. Earnings call, 25 Jul 2026, page 7
  27. 27. Earnings call, 25 Jul 2026, page 5
  28. 28. Earnings call, 25 Jul 2026, page 6
  29. 29. Exchange filing, 1 Oct 2026, page 5
  30. 30. Investor presentation, 24 Sep 2026, page 6
  31. 31. Earnings call, 25 Jul 2026, page 4
  32. 32. Earnings call, 25 Jul 2026, page 7
  33. 33. Annual report, 13 Aug 2026, page 128
  34. 34. Earnings call, 25 Jul 2026, page 8
  35. 35. Earnings call, 25 Jul 2026, page 6
  36. 36. Earnings call, 25 Jul 2026, page 17
  37. 37. Earnings call, 25 Jul 2026, page 18
  38. 38. Annual report, 13 Aug 2026, page 137
  39. 39. Exchange filing, 1 Oct 2026, page 1
  40. 40. Exchange filing, 9 Sep 2026, page 1
  41. 41. Exchange filing, 7 May 2026, page 1
  42. 42. Exchange filing, 7 Mar 2026, page 1
  43. 43. Annual report, 13 Aug 2026, page 67
  44. 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 months
+16.8%
Net profit growth, 12 months
+45.0%

Quarter to Sep 2026, against the quarter before

Total income
₹6,382 Crup 6.51%
Net profit
₹858 Crup 7.76%

Total income by quarter

₹4,732 CrDec 24₹5,031 CrMar 25₹5,189 CrJun 25₹5,224 CrSep 25₹5,451 CrDec 25₹5,750 CrMar 26₹5,992 CrJun 26₹6,382 CrSep 26
Peak total income ₹6,382 Cr, quarter to Sep 2026; lowest ₹4,732 Cr, quarter to Dec 2024

Net profit by quarter, a loss in red

₹528 CrDec 24₹504 CrMar 25₹581 CrJun 25₹561 CrSep 25₹668 CrDec 25₹832 CrMar 26₹796 CrJun 26₹858 CrSep 26
₹ croreDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Total income4,7325,0315,1895,2245,4515,7505,9926,382
Net profit528504581561668832796858
Standalone. The last eight quarters. The latest is shaded.

Business segments

Share of revenue, year to Mar 2026, standalone.Segment revenue and profit

  • Retail banking- Other Retail Banking₹15,780 Crup 12.70%73.0%
  • Treasury₹3,208 Crup 25.08%14.8%
  • Wholesale banking₹2,112 Crup 28.51%9.8%
  • Other banking operations₹515 Crup 35.18%2.4%
  • Retail banking- Digital Banking*₹0 CrNone
The pill is the change in revenue on the year before; the share is of all the businesses together.

Valuation

Today, against the company's own history.AU Small Finance Bank PE ratio and valuation

Price to earnings

At or below today's level on 3% of 2,026 trading days since May 2018.

LowestHighest
Its median32.10Industry median8.48
Price to book

At or below today's level on 9% of 1,802 trading days since Oct 2018.

LowestHighest
Its median4.59Industry median0.92
Dividend yield

At or below today's level on 69% of 2,264 trading days since Aug 2017.

LowestHighest
Its median0.08%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend 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%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 3 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.AU Small Finance Bank shareholding pattern

Shareholding by group

  • Promoters22.67%
  • Foreign institutions36.06%
  • Indian institutions32.83%
  • Individuals and others8.44%
Holder
Sanjay AgarwalPromoter15.60%
CAMAS INVESTMENTS PTE. LTD.Foreign portfolio investors, category I3.59%
Jyoti AgarwalPromoter3.15%
Shakuntala AgarwalPromoter2.48%
SMALLCAP WORLD FUND, INCForeign portfolio investors, category I2.16%
SBI LIFE INSURANCE CO. LTDInsurance companies1.96%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters −0.07 pts, foreign institutions +0.08 pts, Indian institutions +0.02 pts, mutual funds +0.43 pts.

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 time
3
Bought again
1
Added
116
Cut
55
Held unchanged
93
Sold out
5
Fund
HDFC Mutual Fund logoHDFC Mid Cap FundHDFC Mutual Fund3,97,37,3473.94%₹4,014.7 Cr
Nippon India Mutual Fund logoNippon India Growth Mid Cap FundNippon India Mutual Fund1,41,00,0002.84%₹1,424.5 Cr
Kotak Mahindra Mutual Fund logoKotak Flexi Cap FundKotak Mahindra Mutual Fund89,00,0001.69%₹899.2 Cr
Nippon India Mutual Fund logoNippon India Multi Cap FundNippon India Mutual Fund67,55,5091.27%₹682.5 Cr
Invesco Mutual Fund logoInvesco India Mid Cap FundInvesco Mutual Fund59,36,7903.81%₹599.8 Cr
HDFC Mutual Fund logoHDFC Balanced Advantage FundHDFC Mutual Fund49,04,3940.48%₹495.5 Cr
Axis Mutual Fund logoAxis Midcap FundAxis Mutual Fund40,88,1631.23%₹413.0 Cr
HSBC Mutual Fund logoHSBC Midcap FundHSBC Mutual Fund38,98,9132.34%₹393.9 Cr
Nippon India Mutual Fund logoNippon India ETF Nifty Bank BeESNippon India Mutual Fund37,99,6514.85%₹383.9 Cr
DSP Mutual Fund logoDSP Midcap FundDSP Mutual Fund33,01,6281.71%₹333.6 Cr
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

Promoter and insider buying and selling

Trades made since 30 Oct 2025.AU Small Finance Bank insider trading

Bought on the market Sold on the market
  • Others0 purchases, 1 saleNo purchase₹2.69 CrNet−₹2.69 Cr57 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.

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

Return on equity across, P/E up, size is market cap
Company
Ujjivan Small Finance Bank logoUjjivan Small Finance BankUJJIVANSFB10,9519.531.45+20.9%+175.6%16.6%1.32%8.07%0.00%
Equitas Small Finance Bank logoEquitas Small Finance BankEQUITASBNK6,5419.291.00+15.3%–11.4%0.18%6.85%0.00%
Jana Small Finance Bank logoJana Small Finance BankJSFB4,1728.780.85+17.8%+15.6%10.3%0.76%6.61%0.00%
ESAF Small Finance Bank logoESAF Small Finance BankESAFSFB2,2168.181.10+24.6%–14.4%−0.57%9.53%0.00%
Utkarsh Small Finance Bank logoUtkarsh Small Finance BankUTKARSHBNK2,118–0.76−12.0%–−32.9%−4.04%5.90%0.00%
Suryoday Small Finance Bank logoSuryoday Small Finance BankSURYODAY1,4155.950.64+29.0%+265.0%11.3%0.86%7.25%1.13%
Capital Small Finance Bank logoCapital Small Finance BankCAPITALSFB1,1987.420.79+17.3%+19.4%11.1%1.27%4.46%1.90%
Fino Payments Bank logoFino Payments BankFINOPB1,023–1.33−24.0%−119.0%−2.0%1.10%3.45%0.00%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

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

0.3Mar 180.4Mar 19Mar 20Mar 210.5Mar 221Mar 231Mar 241Mar 251Mar 26
Highest ₹1.00 a share, in 4 years, the latest the year to Mar 2026.
Ex-dateTypePer share
31 Jul 2026Final₹1.00
4 Jul 2025Final₹1.00
12 Jul 2024Final₹1.00
14 Jul 2023Final₹1.00
28 Jul 2022Final₹0.50
18 Jul 2019Final₹0.75
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.AU Small Finance Bank announcements

AU Small Finance Bank share price by year

Each calendar year to 2025.AU Small Finance Bank share price history

YearClose at year endChangeHighest closeLowest close
2025994.50+77.9%996.45491.80
2024559.10−29.0%801.70537.60
2023787.40+20.3%790.40558.40
2022654.45+26.3%717.53532.45
2021518.25+21.6%679.88426.33
2020426.30+6.2%589.83190.08
2019401.55+29.1%418.03275.83
2018311.05−6.7%368.65261.25
2017333.40–362.13262.63
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2017 is from its first session, 10 Jul 2017.

Recent sessions

The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
28 Oct 2026850.00887.50845.10879.10874.7938,92,49455.3%
27 Oct 2026869.00877.90848.00848.00861.5022,53,16838.4%
26 Oct 2026884.00899.30845.40869.00868.5686,89,89143.2%
23 Oct 2026954.70954.70920.90932.90928.2018,95,14857.6%
22 Oct 2026946.50964.10935.90953.90949.9819,03,83454.4%
21 Oct 2026971.70972.10943.80954.00951.8319,07,22259.2%
19 Oct 2026992.00993.80968.70971.70977.9814,93,86254.4%
16 Oct 20261,002.801,003.20980.90989.40988.4610,32,28754.0%
15 Oct 2026993.601,015.40992.001,002.701,004.2821,43,03356.9%
Prices in ₹ per share as traded, not adjusted.

Price adjustments

What the price chart is corrected for, so it reads as one share held throughout.Bonus share history

Ex-dateEventPrice factorWhat happened
9 Jun 2022Bonus0.5000Holders received 1 bonus share for every 1 held.
Earlier prices are multiplied by the factor, so the chart reads as one share held throughout.

Company details

Chairperson
Harun Rasid Khan
At the end of the quarter to Sep 2026
Managing director and CEO
Sanjay Agarwal
At the end of the quarter to Sep 2026
NSE symbol
AUBANK
BSE code
540611
ISIN
INE949L01017
Industry
Banks
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