Au Small Finance Bank Limited (AUBANK)

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Au Small Finance Bank Limited (AUBANK) · mywealthgrid

About

Au Small Finance Bank is a scheduled commercial bank focused on serving underserved and emerging retail segments. With a market cap of ₹81,034 Cr, quarterly standalone revenue of ₹5,303 Cr (Jun 2026), and net profit of ₹796 Cr, it operates as a mid-sized lender in the small-finance banking space.

Founded: 1996
Face value: ₹10

Market cap

₹73,926 Cr

P/E

63.1×

P/B

—

Dividend yield

0.1%

ROE

—

ROCE

—

Debt / equity

—

OPM

—

EPS (TTM)

₹15.6

Book value

—

52-week high

—

52-week low

—

Key insights

Company research notes and source-linked reviews

Key risks

PE ratio of 69.22 prices in significant future growth; any earnings miss or slowdown in revenue acceleration could trigger sharp repricing
Operating margin of 56.24% (Jun 2026) is elevated; verify sustainability under credit stress or competitive pricing pressure
Public shareholding of 8.47% concentrates liquidity risk; FII + DII hold 68.79%, creating sentiment concentration
Asset quality and credit performance of a retail-focused small-finance lender over the credit cycle must be verified

Generated analysis · source review pending

Growth drivers

Quarterly revenue accelerated 35% from ₹3,910.61 Cr (Sep 2024) to ₹5,302.74 Cr (Jun 2026)
Operating margin expanded from 48.54% (Mar 2025) to 56.24% (Jun 2026), lifting profitability per rupee of revenue
EPS rose from ₹7.68 (Sep 2024) to ₹10.63 (Jun 2026), driven by profit growth and margin expansion
Small-finance banking market share and segment growth trajectory must be verified to distinguish company-specific gains from industry tailwinds

Generated analysis · source review pending

2,277 historical price candles were omitted because the exchange source has not been verified.

₹987.0-1.8%1Y

Quick read

rule-based

Pros

No positive flags triggered.

Cons

−Weak interest coverage of 0.6×
−Expensive at 63.1× trailing earnings
−Low dividend payout of 6.4% of profit
−Low promoter holding of 22.7%

Research score

Structured signal from quality, growth, valuation and momentum.

2/100

Business quality: 0
Valuation: 3

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MIDCAP 50 NIFTY MIDCAP 150 NIFTY 200 NIFTY MIDSMALLCAP 400 NIFTY 500

Screen this industry Compare top 5 side-by-side

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2019	Mar 2020	Mar 2021
	2,949	4,286	4,950
Interest	1,607	2,377	2,585
Expenses	1,083	1,418	1,658
Financing profit	260	491	707
Financing margin %	8.8%	11.5%	14.3%
Other income	462	706	1,452
Depreciation	—	—	—
Profit before tax	—	—	—
Tax	—	—	—
PAT	382	675	1,171
EPS (₹)	13.2	22.8	38.2
	5.7%	0%	0%
Annual report	Annual report for Mar 2019	Annual report for Mar 2020	Annual report for Mar 2021

Compounded sales growth

7 years: —
5 years: —
3 years: —
1 year: 16%

Compounded profit growth

7 years: —
5 years: —
3 years: —
1 year: 74%

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2019	Mar 2020	Mar 2021
Margins
PAT margin %	13%	15.7%	23.7%
Return ratios
Return on assets %	—	—	—
Return on capital employed %	—	—	—
Return on equity %	—	—	—

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	25.49%	25.46%	25.45%	22.92%	22.9%	22.88%	22.87%	22.85%	22.82%	22.79%	22.76%	22.74%
	41.65%	41.12%	39.37%	39.58%	40.72%	39.35%	35.58%	37.68%	34.49%	36.45%	37.26%	35.98%
	19.56%	20.81%	22.78%	18.44%	20.14%	21.78%	27.17%	28.87%	31.9%	31.27%	31.3%	32.81%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	13.3%	12.61%	12.4%	19.06%	16.24%	15.99%	14.38%	10.6%	10.79%	9.49%	8.68%	8.47%
No. of shareholders	—	—	—	—	—	—	—	—	1,91,508	1,81,635	1,67,443	1,62,894

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F&O

Current futures and options contracts with compact option-chain pages.

End of day 30 Sept 2026 · underlying ₹1,010.3 · volume and open interest in contracts

3

Expiry	Close	Chg	% Chg	Settlement	Open interest	Change in OI	Volume	Lot size
27 Oct 2026	₹1,011.6	+7.5	+0.7%	₹1,011.6	22,047	-84	1,997	1000
23 Nov 2026	₹1,017.0	+8.2	+0.8%	₹1,019.8	1,892	-7	36	1000
29 Dec 2026	₹1,020.1	0	0%	₹1,026.2	0	0	0	1000

Open the chart icon on a row for that contract's close over 103 stored sessions, with open interest as bars beneath it.

33

27 Oct 2026 23 Nov 2026 29 Dec 2026

Calls				Strike	Puts
OI	Chg OI	Volume	LTP	—	LTP	Volume	Chg OI	OI
0	0	0	₹0.0	840

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

136

across 20 fund houses

Held by these funds

10.31%

of the company's equity

All mutual funds

24.42%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

136 schemes · 20 fund houses

		Shares
Growth Mid Cap FundNEW	Nippon India Mutual Fund	1.41 Cr	1,531.54	2.93%	1.883%	—
Portfolio of Kotak Flexi Cap FundNEW	Kotak Mahindra Mutual Fund	89 L	966.72	1.71%	1.188%	—
Multi Cap FundNEW	Nippon India Mutual Fund	60.12 L	653.07	1.16%	0.803%	—
Midcap Fund	Axis Mutual Fund	39.75 L	431.74	1.22%	0.531%	+6.43 L
Flexicap Fund	SBI Mutual Fund	38.48 L	417.97	1.8%	0.514%	-0
ETF NIFTY BANK BEES	Nippon India Mutual Fund	37.26 L	404.77	4.82%	0.498%	-30,440
Mid Cap Fund	DSP Mutual Fund	33.02 L	358.62	1.71%	0.441%	-0
Portfolio of Kotak Nifty Bank ETF	Kotak Mahindra Mutual Fund	19.82 L	215.26	4.82%	0.265%	-1.19 L

1–8 of 136

1 / 17

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Jul 2026Transcript AI Summary PPTREC
Apr 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

Loading documents…

Events

Upcoming dates and the company’s corporate-action history.

7

Final dividend31 Jul 2026 · ex-date₹1
Final dividend4 Jul 2025 · ex-date₹1
Final dividend12 Jul 2024 · ex-date₹1
Final dividend14 Jul 2023 · ex-date₹1
Final dividend28 Jul 2022 · ex-date₹0.5
Final dividend18 Jul 2019 · ex-date₹0.75
Dividend dividend30 Jul 2018 · ex-date₹0.5

1

Board meeting to consider results25 Jul 2026

1

Bonus 1:19 Jun 2022 · ex-date

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

35 announcementsExport CSV

1 Oct 2026, 8:20 pmCompany Update

Announcement under Regulation 30 (LODR)-Credit Rating

Credit Rating PDF

30 Sept 2026, 5:38 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

28 Sept 2026, 9:31 pmOthers

Board Meeting Outcome for Re-Appointment Of Head Of Internal Audit

Outcome without intimation PDF

22 Sept 2026, 6:44 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS PDF

21 Sept 2026, 6:40 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

14 Sept 2026, 10:31 pmCompany Update

Appointment Of Senior Management Personnel (SMP)

General PDF

9 Sept 2026, 5:20 pmCompany Update

Approval Granted By Reserve Bank Of India (RBI) To ICICI Prudential Asset Management Company Limited For Acquiring Aggregate Holding Of Up To 9.95% Of The Paid-Up Share Capital Or Voting Rights Of The Bank

General PDF

8 Sept 2026, 10:29 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS PDF

Date	Category	Subject	Filing
1 Oct 2026, 8:20 pm	Company Update Credit Rating	Announcement under Regulation 30 (LODR)-Credit Rating	PDF
30 Sept 2026, 5:38 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window

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Ratio	Mar 2019	Mar 2020	Mar 2021
Margins
PAT margin %	13%	15.7%	23.7%
Return ratios
Return on assets %	—	—	—
Return on capital employed %	—	—	—
Return on equity %	—	—	—

Calls	Strike	Puts
0	0	0	₹0.0	840

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Au Small Finance Bank LimitedAUBANKAUBANK	₹73,926 Cr	—	₹4,950 Cr	—	—	₹1,171 Cr	23.7%	—	—	—
Ujjivan Small Finance Bank LimitedUJJIVANSFBUJJIVANSFB	₹12,761 Cr	—	₹6,354 Cr	—	—	₹726 Cr	11.4%	—	—	—
Equitas Small Finance Bank LimitedEQUITASBNKEQUITASBNK	₹7,824 Cr	₹13,597 Cr	₹7,106 Cr	₹3,104 Cr	39.6%	₹510 Cr	1.5%	6.4%	1.7%	—
Jana Small Finance Bank LimitedJSFBJSFB	₹5,080 Cr	₹10,576 Cr	₹5,648 Cr	₹2,232 Cr	40%	₹380 Cr	6.1%	7.4%	7.6%	—
Utkarsh Small Finance Bank LimitedUTKARSHBNKUTKARSHBNK	₹2,390 Cr	₹5,219 Cr	₹3,381 Cr	₹239 Cr	5.1%	₹-945 Cr	-34.1%	1.5%	-40%	—
Esaf Small Finance Bank LimitedESAFSFBESAFSFB	₹2,239 Cr	₹4,992 Cr	₹4,008 Cr	₹1,234 Cr	38.6%	₹-5 Cr	-3.8%	5.6%	-8.9%	—
Suryoday Small Finance Bank LimitedSURYODAYSURYODAY	₹1,526 Cr	—	₹2,160 Cr	—	—	₹152 Cr	7%	—	—	—
Capital Small Finance Bank LimitedCAPITALSFBCAPITALSFB	₹1,263 Cr	—	₹794 Cr	—	—	₹112 Cr	14%	—	—	—
Fino Payments Bank LimitedFINOPBFINOPB	₹1,067 Cr	₹2,602 Cr	₹259 Cr	₹-1,027 Cr	-425%	₹21 Cr	21.1%	4.5%	6.8%	—

3 disclosures

Person	Deal	Shares	Value	Holding	Filed
Namokar Mining Industries LLP	SellMarket Sale	30,000	₹2.69 cr	0.06% → 0.05%	11 Nov 20257(3)
Namokar Mining Industries LLP	SellMarket Sale	50,000	₹3.79 cr	0.06% → 0.06%	26 Aug 20257(3)
Namokar Mining Industries LLP	SellMarket Sale	50,000	₹3.79 cr	0.07% → 0.06%	23 Aug 20257(3)

Disclosed under SEBI’s insider-trading regulations, which require a filing only above ₹10 lakh in a quarter — smaller dealings are in no disclosure. Holdings are the filer’s own percentages, not recomputed.

47 deals · 31 May 2022 – 27 Feb 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
27 Feb 2026	BNP PARIBAS FINANCIAL MARKETS	Bulk	NSE	Sell	83,13,171	₹958.42	₹796.75 Cr
27 Feb 2026	BNP PARIBAS FINANCIAL MARKETS	Bulk	NSE	Buy	329	₹963.46	₹0.03 Cr
16 Oct 2025	GOLDMAN SACHS (SINGAPORE) PTE.- ODI	Block	NSE	Sell	1,34,120	₹804.50	₹10.79 Cr
16 Oct 2025	GOLDMAN SACHS BANK EUROPESE - ODI	Block	NSE	Buy	1,34,120	₹804.50	₹10.79 Cr
10 Jun 2025	TA FDI INVESTORS LIMITED	Bulk	BSE	Sell	93,90,919	₹760.07	₹713.78 Cr
2 Jun 2025	TATA AIG GENERAL INSURANCE CO LTD	Block	NSE	Buy	9,01,261	₹693.00	₹62.46 Cr
2 Jun 2025	LEAPFROG RURAL INCLUSION (INDIA) LIMITED	Block	NSE	Sell	9,01,261	₹693.00	₹62.46 Cr
3 Sept 2024	WESTBRIDGE AIF I	Bulk	BSE	Sell	1,08,95,517	₹676.06	₹736.60 Cr
26 Aug 2024	FINCARE BUSINESS SERVICES LIMITED	Bulk	NSE	Sell	1,27,56,118	₹630.00	₹803.64 Cr
26 Aug 2024	FINCARE BUSINESS SERVICES LIMITED	Block	NSE	Sell	1,27,56,118	₹630.00	₹803.64 Cr

1–10 of 47

1 / 5

Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Au Small Finance Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Compounded returns

Compounded sales growth

Compounded profit growth

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Futures3

Option chain33

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Dividends7

Board meetings1

Bonus issues1

Announcements

Dividends7

Board meetings1

Bonus issues1

Ratio timeline

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Futures3

Option chain33

Quarterly record

Insider dealing

Bulk & block deals

Board and management

Profit & loss

Compounded returns

Compounded sales growth

Compounded profit growth

3

33

7

1

1

7

1

1

3

33