AUBANK

AU Small Finance Bank Limited

Small finance bank — deposits plus secured retail lending for vehicles and small business

Financial Services›Financial Services›Banks›Other Bank

au.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹971.70
Market cap
72,759 Cr
Stock P/E
25.5
P/B
3.64
Dividend yield
0.1%
ROE (FY26)
13.2%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

AU Small Finance Bank (AU) is a small finance bank in India that takes deposits and lends to retail and commercial customers, with vehicle finance (wheels), mortgages, gold loans, microfinance, personal loans and credit cards.

Company snapshot

1stBy market cap

Ranked among 9 companies in Other Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 76.2% of revenue

SegmentRevenue shareRevenuePBTAssets
Capital and Other Reserves—0 Cr0 Cr—
Other banking operations
1.8%
241 Cr222 Cr—
Retail banking- Digital Banking
0.0%
0.0014 Cr-0.15 Cr—
Retail banking- Other Retail Banking
76.2%
10,334 Cr1,421 Cr—
Treasury
13.3%
1,808 Cr163 Cr—
Wholesale banking
8.7%
1,176 Cr325 Cr—

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income1,249 Cr1,325 Cr1,337 Cr1,921 Cr1,974 Cr2,023 Cr2,094 Cr2,045 Cr2,144 Cr2,341 Cr2,582 Cr2,695 Cr
Other income425 Cr450 Cr556 Cr546 Cr638 Cr618 Cr761 Cr811 Cr713 Cr724 Cr731 Cr689 Cr
Net operating income1,674 Cr1,775 Cr1,893 Cr2,466 Cr2,612 Cr2,641 Cr2,855 Cr2,855 Cr2,857 Cr3,065 Cr3,313 Cr3,385 Cr
Employee cost512 Cr529 Cr556 Cr790 Cr785 Cr755 Cr817 Cr866 Cr919 Cr1,019 Cr1,045 Cr1,064 Cr
Other expenses515 Cr589 Cr673 Cr688 Cr695 Cr682 Cr745 Cr678 Cr729 Cr831 Cr917 Cr885 Cr
Provisions & contingencies114 Cr159 Cr133 Cr319 Cr373 Cr502 Cr635 Cr533 Cr481 Cr331 Cr269 Cr371 Cr
Depreciation————————————
Profit before tax533 Cr498 Cr455 Cr669 Cr759 Cr703 Cr657 Cr779 Cr729 Cr884 Cr1,082 Cr1,064 Cr
Tax %24.7%24.7%18.5%24.9%24.7%24.9%23.4%25.4%23.1%24.5%23.1%25.2%
Net profit402 Cr375 Cr371 Cr503 Cr571 Cr528 Cr504 Cr581 Cr561 Cr668 Cr832 Cr796 Cr
EPS (₹)₹6.02₹5.61₹5.54₹6.77₹7.68₹7.10₹6.77₹7.80₹7.52₹8.94₹11.13₹10.63

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income784 Cr940 Cr1,342 Cr1,909 Cr2,365 Cr3,234 Cr4,425 Cr5,157 Cr8,012 Cr9,113 CrSign in free for the trailing twelve months
Other income810 Cr388 Cr462 Cr706 Cr1,452 Cr994 Cr1,034 Cr1,746 Cr2,526 Cr2,978 CrSign in free for the trailing twelve months
Net operating income1,594 Cr1,329 Cr1,805 Cr2,615 Cr3,817 Cr4,228 Cr5,460 Cr6,903 Cr10,538 Cr12,091 CrSign in free for the trailing twelve months
Employee cost——601 Cr760 Cr980 Cr1,379 Cr1,793 Cr2,104 Cr3,148 Cr3,848 CrSign in free for the trailing twelve months
Other expenses——481 Cr658 Cr678 Cr1,034 Cr1,647 Cr2,284 Cr2,809 Cr3,154 CrSign in free for the trailing twelve months
Provisions & contingencies97 Cr133 Cr142 Cr283 Cr700 Cr361 Cr155 Cr439 Cr1,793 Cr1,615 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax1,143 Cr443 Cr580 Cr914 Cr1,459 Cr1,454 Cr1,865 Cr1,999 Cr2,788 Cr3,474 CrSign in free for the trailing twelve months
Tax %28.1%34.1%34.2%26.2%19.7%22.3%23.4%23.2%24.5%24.0%Sign in free for the trailing twelve months
Net profit822 Cr292 Cr382 Cr675 Cr1,171 Cr1,130 Cr1,428 Cr1,535 Cr2,106 Cr2,641 CrSign in free for the trailing twelve months
EPS (₹)₹30.18₹10.26₹13.16₹22.78₹38.19₹36.06₹21.86₹22.98₹28.32₹35.40Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%2.2%4.3%3.5%2.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital284 Cr286 Cr292 Cr304 Cr312 Cr315 Cr667 Cr669 Cr745 Cr748 Cr
Reserves1,703 Cr1,995 Cr2,871 Cr4,073 Cr5,963 Cr7,199 Cr10,311 Cr11,890 Cr16,422 Cr19,225 Cr
Borrowings7,120 Cr7,639 Cr8,613 Cr10,335 Cr7,030 Cr5,991 Cr6,299 Cr5,479 Cr11,660 Cr13,872 Cr
Other liabilities674 Cr8,913 Cr20,847 Cr27,431 Cr38,286 Cr55,573 Cr72,940 Cr91,387 Cr1,29,019 Cr1,57,952 Cr
Total liabilities9,781 Cr18,833 Cr32,623 Cr42,143 Cr51,591 Cr69,078 Cr90,216 Cr1,09,426 Cr1,57,846 Cr1,91,797 Cr
Fixed assets (net)276 Cr386 Cr447 Cr448 Cr482 Cr623 Cr740 Cr852 Cr912 Cr1,436 Cr
CWIP——————————
Investments2,150 Cr3,051 Cr7,162 Cr10,668 Cr10,815 Cr15,307 Cr20,072 Cr27,133 Cr37,848 Cr44,794 Cr
Loans & advances6,551 Cr13,312 Cr22,819 Cr26,992 Cr34,609 Cr46,095 Cr58,422 Cr73,163 Cr1,07,092 Cr1,34,276 Cr
Cash & bank13 Cr492 Cr811 Cr1,050 Cr1,569 Cr2,468 Cr8,916 Cr4,638 Cr8,605 Cr6,973 Cr
Other assets791 Cr1,592 Cr1,384 Cr2,985 Cr4,115 Cr4,585 Cr2,066 Cr3,640 Cr3,389 Cr4,319 Cr
Total assets9,781 Cr18,833 Cr32,623 Cr42,143 Cr51,591 Cr69,078 Cr90,216 Cr1,09,426 Cr1,57,846 Cr1,91,797 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-2,405 Cr2,505 Cr848 Cr660 Cr5,056 Cr6,849 Cr5,494 Cr2,608 Cr5,462 Cr1,829 Cr
Cash from investing552 Cr-1,890 Cr-2,305 Cr-1,267 Cr-990 Cr-4,753 Cr-4,320 Cr-4,855 Cr-5,931 Cr-5,090 Cr
Cash from financing2,448 Cr521 Cr1,436 Cr2,237 Cr-2,655 Cr-948 Cr2,323 Cr-802 Cr2,407 Cr2,318 Cr
Net cash flow596 Cr1,136 Cr-21 Cr1,629 Cr1,412 Cr1,147 Cr3,497 Cr-3,049 Cr1,938 Cr-943 Cr
Free cash flow (OCF − Capex)-2,662 Cr2,340 Cr722 Cr567 Cr4,915 Cr6,566 Cr5,188 Cr2,262 Cr5,198 Cr1,020 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %41.4%12.8%12.1%15.4%18.7%15.0%13.0%12.2%12.3%13.2%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——470 Cr458 Cr1,503 Cr924 Cr981 Cr1,237 Cr2,477 Cr2,756 Cr
Gross NPA %—2.0%2.0%1.7%4.3%2.0%1.7%1.7%2.3%2.0%
Net NPA——295 Cr217 Cr755 Cr231 Cr245 Cr401 Cr791 Cr990 Cr
Net NPA %—1.3%1.3%0.8%2.2%0.5%0.4%0.5%0.7%0.7%
CET1 %—18.4%19.3%22.0%23.4%19.7%21.8%18.8%18.1%16.9%
Additional Tier 1 %—0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
ROA %—2.0%1.5%1.8%2.5%1.9%1.8%1.5%1.5%1.6%