Analyzing...
Loading company...
AU Small Finance Bank Ltd. engages in the provision of banking services. The company is headquartered in Jaipur, Rajasthan and currently employs 28,320 full-time employees. The company went IPO on 2017-07-10. The firm 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 serves retail customers through a branch network and other delivery channels. 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, current account and fixed deposits. The company offers various types of loans, which include car loan, home loan, personal loan, tractor loan and others.
Nothing flagged for monitoring
“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹9,113 Cr on total income of ₹24,261 Cr.
Cost-to-income ratio at 57.9%. Provision coverage at 6.7% of income.
“we do believe that we have the potential to deliver a 1.”
“Margins expanded by 25 basis points quarter on quarter to 5.”
“credit cost should be, you know, in range bound, unless something dramatically goes wrong.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 13.2%▲ | 11.5% |
| Net Margin | 10.9%▼ | 12.1% |
| EBITDA Margin | 60.1%▼ | 67.3% |
| Debt To Equity | 7.64x▼ | 8.01x |
| NIM | 6.8%▼ | 390.0% |
| Cost To Income | 57.9% | - |
| Credit Deposit Ratio | 88.00x | 83.00x |
No related party data available for this company.
This section will be populated when data becomes available.
Disclaimer · The Stock Filter is an information platform, not a SEBI-registered investment adviser. All data, scores, and narratives are generated from public filings and AI analysis — they do not constitute investment advice, recommendations, or endorsements. Always consult a qualified financial adviser before making investment decisions. Past performance does not guarantee future results.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹15,711 Cr +17.5% | ₹13,368 Cr +58.4% | ₹8,442 Cr +23.3% | ₹6,847 Cr +40.3% | ₹4,882 Cr +23.7% | ₹3,947 Cr +15.6% | ₹3,415 Cr +45.4% | ₹2,348 Cr |
| Income on Investments | ₹2,647 Cr +18.3% | ₹2,238 Cr +37.1% | ₹1,632 Cr +37.2% | ₹1,190 Cr +52.4% | ₹781 Cr +1.0% | ₹773 Cr +26.0% | ₹613 Cr +123.8% | ₹274 Cr |
| ₹2,978 Cr +17.9% | ₹2,526 Cr +44.7% | ₹1,746 Cr +68.8% | ₹1,034 Cr +4.1% | ₹994 Cr -31.5% | ₹1,452 Cr +105.6% | ₹706 Cr +52.8% | ₹462 Cr | |
| Total Income | ₹21,614 Cr +16.3% | ₹18,590 Cr +51.1% | ₹12,301 Cr +33.1% | ₹9,240 Cr +33.6% | ₹6,915 Cr +8.0% | ₹6,402 Cr +28.2% | ₹4,992 Cr +46.4% | ₹3,411 Cr |
| Interest Expended | ₹9,524 Cr +18.3% | ₹8,052 Cr +49.2% | ₹5,398 Cr +42.8% | ₹3,780 Cr +40.7% | ₹2,688 Cr +4.0% | ₹2,585 Cr +8.7% | ₹2,377 Cr +48.0% | ₹1,606 Cr |
| Employee Cost | ₹3,848 Cr +22.3% | ₹3,148 Cr +49.6% | ₹2,104 Cr +17.3% | ₹1,793 Cr +30.0% | ₹1,379 Cr +40.7% | ₹980 Cr +29.0% | ₹760 Cr +26.4% | ₹601 Cr |
| Other Operating Expenses | ₹3,154 Cr +12.3% | ₹2,809 Cr +23.0% | ₹2,284 Cr +38.7% | ₹1,647 Cr +59.3% | ₹1,034 Cr +52.4% | ₹678 Cr +3.0% | ₹658 Cr +36.7% | ₹481 Cr |
| Provisions & Contingencies | ₹1,615 Cr -9.9% | ₹1,793 Cr +308.6% | ₹439 Cr +183.4% | ₹155 Cr -57.1% | ₹361 Cr -48.4% | ₹700 Cr +147.2% | ₹283 Cr +99.8% | ₹142 Cr |
| Total Expenditure | ₹16,526 Cr +18.0% | ₹14,009 Cr +43.2% | ₹9,786 Cr +35.5% | ₹7,220 Cr +41.6% | ₹5,100 Cr +20.2% | ₹4,243 Cr +11.8% | ₹3,795 Cr +41.1% | ₹2,689 Cr |
| Profit Before Tax | ₹3,474 Cr +24.6% | ₹2,788 Cr +39.4% | ₹1,999 Cr +7.2% | ₹1,865 Cr +28.2% | ₹1,454 Cr -0.3% | ₹1,459 Cr +59.6% | ₹914 Cr +57.5% | ₹580 Cr |
| Tax | ₹833 Cr +22.1% | ₹682 Cr +46.8% | ₹465 Cr +6.4% | ₹437 Cr +34.7% | ₹324 Cr +12.7% | ₹288 Cr +20.3% | ₹239 Cr +20.6% | ₹198 Cr |
| Net Profit | ₹2,641 Cr +25.4% | ₹2,106 Cr +37.2% | ₹1,535 Cr +7.5% | ₹1,428 Cr +26.4% | ₹1,130 Cr -3.5% | ₹1,171 Cr +73.5% | ₹675 Cr +76.7% | ₹382 Cr |
| EPS | ₹35.30 | ₹28.29 | ₹22.93 | ₹21.42 | ₹17.94 | ₹18.75 | ₹11.09 | ₹6.53 |
| Diluted Shares | ₹75 Cr | ₹74 Cr | ₹67 Cr | ₹67 Cr | ₹63 Cr | ₹62 Cr | ₹61 Cr | ₹58 Cr |
| Other Interest | ₹185 Cr -52.2% | ₹388 Cr -6.1% | ₹413 Cr +274.9% | ₹110 Cr -36.1% | ₹173 Cr +19.3% | ₹145 Cr -37.6% | ₹232 Cr -17.4% | ₹281 Cr |
| Non Performing Assets | ₹990 Cr +25.1% | ₹791 Cr +97.3% | ₹401 Cr +63.6% | ₹245 Cr +6.2% | ₹231 Cr -69.4% | ₹755 Cr +247.7% | ₹217 Cr -26.2% | ₹295 Cr |
| Gross Non Performing Assets | ₹2,756 Cr +11.2% | ₹2,477 Cr +100.2% | ₹1,237 Cr +26.1% | ₹981 Cr +6.2% | ₹924 Cr -38.5% | ₹1,503 Cr +228.3% | ₹458 Cr -2.6% | ₹470 Cr |
| Interest (RBI & Others) | ₹93 Cr +33.8% | ₹69 Cr +3.4% | ₹67 Cr +14.8% | ₹58 Cr -33.1% | ₹87 Cr +2.4% | ₹85 Cr +229.4% | ₹26 Cr -44.0% | ₹46 Cr |
AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
AU Small Finance Bank Limited has informed the Exchange about Transcript
AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
AU Small Finance Bank Limited has informed the Exchange about Link of Recording
AU Small Finance Bank Limited has informed the Exchange about Investor Presentation
AU Small Finance Bank Limited has informed the Exchange regarding a press release dated July 25, 2026, titled "Press Release on Unaudited Financial Results of AU Small Finance Bank Limited for the qua...
AU Small Finance Bank Limited has informed the Exchange that Record date for the purpose of Dividend is 31-Jul-2026.
AU Small Finance Bank Limited has informed the Exchange regarding 'Outcome of Board Meeting of AU Small Finance Bank Limited '.
AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 303613 Shares.
We wish to inform that the Board of Directors today, on the recommendation of Risk Management Committee and Nomination and Remuneration Committee, has approved the appointment of Mr. Amol Padhye as Ch...
AU Small Finance Bank Limited has informed the Exchange about Schedule of meet
AU Small Finance Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
AU Small Finance Bank Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
AU Small Finance Bank Limited has informed the Exchange regarding a press release dated May 19, 2026, titled "AU Small Finance Bank adopts Intellect s Purple Fabric to accelerate its AI-First Banking ...
AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication