AU Small Finance Bank share price & results

AU Small Finance Bank Limited· Financial Services

Results to: Sept 2026
Latest analysed call: Q1 FY27
Ownership as of: Sept 2026

India's largest Small Finance Bank, transitioning to a universal bank, built on vehicle, MSME and gold lending plus a granular deposit franchise.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	5,612 ₹ crore	+24.4% YoY	Quarterly, as filed	Quarter to Sept 2026	Revenue from operations as filed.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Sept 2026	Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit	858 ₹ crore	+52.9% YoY	Quarterly, as filed	Quarter to Sept 2026	Profit after tax as filed.
Return on equity	Unavailable	−3.6 ptsFY Mar 2017 vs FY Mar 2016	Trailing twelve months	TTM · period unavailable	Not in the analysed materials. No older figure is substituted.
Free cash flow margin	Unavailable	—	Fiscal year	FY · period unavailable	Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)	Unavailable	−29.8 ptsFY Mar 2017 vs FY Mar 2016	Trailing twelve months	TTM · period unavailable	Not in the analysed materials. No older figure is substituted.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

7 of 8 judged targets kept · 12 open · verdicts reflect calls analysed to Q1 FY27.

AU Small Finance Bank Limited management guidance track record on Inve: 20 targets tracked across analysed earnings calls (7 achieved, 1 missed, 12 open).

Target	Original wording	Said	Latest call	Verdict
Universal Bank Conversion	within 18-month period from Aug 2025 Call transcript, Q2 FY26 · 17 Oct 2025	Q2 FY26	Q1 FY27:No update provided on the universal banking license conversion timeline. Application was filed in March '26 and is awaiting regulatory approval. Call transcript, Q1 FY27 · 25 Jul 2026	Ghosted
Cost to Assets Ratio	lower than 4% Call transcript, Q4 FY26 · 27 Apr 2026	Q4 FY26	Q1 FY27:Cost to assets ratio (excluding CGFMU premium) was 4%, up marginally from 3.9% last year. Call transcript, Q1 FY27 · 25 Jul 2026	At Risk
Credit Cost (as % of average total assets)	75 bps to 85 bps for FY26 Call transcript, Q4 FY25 · 22 Apr 2025	Q4 FY25	Q4 FY26:Credit cost for the full year, it was 96 bps of average assets. Call transcript, Q4 FY26 · 27 Apr 2026	Achieved

Source: Inve Guidance Tracker for AU Small Finance Bank Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

1 of AU Small Finance Bank Limited's 20 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 17 more targets are in the full ledger.

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Price

₹848 −2.42% · −₹21

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −1.4% 1Y

1Y: ₹860.35 on 24 Oct 2025 → ₹848. High ₹1,128.6 (25 Aug 2026), low ₹842.7 (30 Mar 2026).

Previous close: ₹869
Market cap: ₹63.7k Cr
52-week range: ₹842.7 – ₹1,128.6
One year: −1.87%

Overview

Symbol: NSE:AUBANK
Sector: Financial Services
Exchange: NSE
Currency: INR

What AU Small Finance Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

AU Small Finance Bank began in 1996 as a Jaipur-based vehicle-financing company that grew into the NBFC AU Financiers, before receiving a Small Finance Bank license in 2017. It now takes retail deposits and lends across secured retail assets (vehicle/Wheels loans, gold loans, mortgages), commercial banking (MSME, agri, business banking) and inclusive banking (microfinance), alongside credit cards, personal loans and cross-sold insurance and wealth products through its branch network and AU 0101 digital app.

Segments

Retail Secured Assets
Commercial Banking
Inclusive Banking
Digital Unsecured
Others & SME

Customer base: 125 lakh+
Employees: 59,872
Banking touchpoints: 2,726
States and Union Territories covered: 25
MFI portfolio village coverage: ~58,000 villages
In-house IT team: 1,100+ members (200+ in development)

Founded 1996Headquarters Jaipur, Rajasthan, IndiaEmployees 59,872 (31 Dec 2025) Company website

How the price took the results

close before → close after

Q1 FY27: +4.8%; 25 Jul
Q4 FY26: −2.1%; 27 Apr
Q3 FY26: −1.9%; 20 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

Guidance

What management said, and what became of it

7 of 8 judged targets kept · 12 open · verdicts reflect calls analysed to Q1 FY27.

AU Small Finance Bank Limited management guidance track record on Inve: 20 targets tracked across analysed earnings calls (7 achieved, 1 missed, 12 open).

Target	Original wording	Said	Latest call	Verdict
Universal Bank Conversion	within 18-month period from Aug 2025 Call transcript, Q2 FY26 · 17 Oct 2025	Q2 FY26	Q1 FY27:No update provided on the universal banking license conversion timeline. Application was filed in March '26 and is awaiting regulatory approval. Call transcript, Q1 FY27 · 25 Jul 2026	Ghosted
Cost to Assets Ratio	lower than 4% Call transcript, Q4 FY26 · 27 Apr 2026	Q4 FY26	Q1 FY27:Cost to assets ratio (excluding CGFMU premium) was 4%, up marginally from 3.9% last year. Call transcript, Q1 FY27 · 25 Jul 2026	At Risk
Credit Cost (as % of average total assets)	75 bps to 85 bps for FY26 Call transcript, Q4 FY25 · 22 Apr 2025	Q4 FY25	Q4 FY26:Credit cost for the full year, it was 96 bps of average assets. Call transcript, Q4 FY26 · 27 Apr 2026	Achieved

Source: Inve Guidance Tracker for AU Small Finance Bank Limited · to Q1 FY27

The full ledger

Open AU Small Finance Bank Limited’s full ledger

A free account opens 5 company ledgers a month. All 20 tracked commitments, with each call’s wording and source.

Browse the register

Latest analysed call: Q1 FY27, 25 Jul 2026. 6 calls analysed.

No analysed call after Q1 FY27, though results run to Sept 2026.

Call summaries

Q1 FY27 — 25 Jul 2026

AU Small Finance Bank Limited Q1 FY27

AU Small Finance Bank reported a strong Q1 FY27, with profit growing 37% YoY to INR796 crores, driven by robust deposit and loan growth of 24% and 23% respectively. NIM expanded 47 bps YoY to 5.9%, and ROA/ROE improved significantly. While facing geopolitical uncertainty and tight liquidity, the bank continued its digital transformation and strategic expansion, though QoQ margins saw a slight moderation and cost to assets ratio marginally increased.

Read the full call

Q4 FY26 — 27 Apr 2026

AU Small Finance Q4 FY26

AU Small Finance Bank delivered a strong Q4 FY26 performance, marked by robust growth in deposits and loan portfolio, significant improvement in profitability with ROA reaching 1.8%, and enhanced asset quality with declining GNPA and credit costs. The bank is actively investing in technology, particularly AI, and is progressing towards a universal banking license, while acknowledging the seasonal nature of Q4 results and potential margin pressures from rising cost of funds.

Read the full call

Q3 FY26 — 20 Jan 2026

AU Small Finance Q3 FY26

AU Small Finance Bank delivered a strong Q3 FY26, marked by robust loan and deposit growth, significant NIM expansion, and improved profitability. Asset quality continued to strengthen with declining credit costs and GNPA. While unsecured segments faced YoY degrowth, MFI and new card issuances showed early signs of turnaround, supported by strategic investments in technology and distribution for future growth.

Read the full call

Summaries of each call, in Inve’s own words; the transcript is not reproduced. Not investment advice.

News

Latest news

From the news desk, item by item, hours after each call.

AU Small Finance Bank's return on assets has stalled below its 1.8% goal 26 Oct 2026

Every analysed call

AU Small Finance Bank Limited earnings calls (AUBANK)

Fundamentals

Ratios, each with its period

Current values with the period they cover; the trend reads across the 4 fiscal years held (Mar 2014 to Mar 2017).

Mar 2014 Mar 2015 Mar 2016 Mar 2017
0.00% 0.00% 0.00% 0.00%

How it is calculated. Reported dividend payout as a percentage of annual profit.
Mar 2014 Mar 2015 Mar 2016 Mar 2017
— — — —

How it is calculated. Market capitalisation from the current stock record.

Mar 2014	Mar 2015	Mar 2016	Mar 2017
0.00%	0.00%	0.00%	0.00%

Mar 2014	Mar 2015	Mar 2016	Mar 2017
—	—	—	—

A dash means inputs are missing or too old, the ratio does not apply, or the value is outside the supported range. FY uses the reported fiscal period; TTM the latest twelve months; valuations use the current market cap with the chosen earnings period. Screen Indian stocks on these ratios →

Financials

What the filings say

Net profit, year on year: +53% (quarter to sept 2026 against sept 2025).

In ₹ crore. Oldest period first.

Line item	Dec 2024	Mar 2025	Jun 2025	Sept 2025	Dec 2025	Mar 2026	Jun 2026	Sept 2026
Sales	4,113	4,271	4,378	4,511	4,727	5,019	5,303	5,612
Expenses	1,938	2,197	2,076	2,128	2,181	2,231	2,321	2,436
Other income	618	761	811	713	724	731	689	770
Interest	2,091	2,177	2,334	2,367	2,386	2,437	2,607	2,792
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	703	657	779	729	884	1,082	1,064	1,154
Tax rate	25.0%	23.0%	25.0%	23.0%	24.0%	23.0%	25.0%	26.0%
Net profit	528	504	581	561	668	832	796	858
EPS (₹ per share)	7.10	6.77	7.79	7.52	8.94	11.12	10.63	11.42

Source: Inve data · income statement, quarterly · to Sept 2026

In ₹ crore. Oldest period first.

Line item	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Sales	8,205	10,555	16,064	18,635
Expenses	3,595	4,785	7,750	8,616
Other income	1,034	1,627	2,526	2,979
Interest	3,780	5,397	8,052	9,524
Depreciation	0	0	0	0
Profit before tax	1,865	1,999	2,788	3,474
Net profit	1,429	1,535	2,106	2,642

Source: Inve data · income statement, annual · to Mar 2026

In ₹ crore. Oldest period first.

Line item	Mar 2023	Mar 2024	Mar 2025	Sept 2025	Mar 2026	Sept 2026
Equity capital	667	669	745	746	748	751
Reserves	10,311	11,890	16,422	17,399	19,225	20,740
Borrowings	6,299	5,479	11,660	—	13,872	14,239
Deposits	69,365	87,182	1,24,269	—	1,52,661	1,70,460
Other liabilities	3,575	4,205	4,751	4,568	5,291	5,614
Total liabilities	90,216	1,09,426	1,57,846	1,65,542	1,91,797	2,11,804
Fixed assets	707	784	825	1,322	881	1,543
Capital work in progress	33	67	87	0	555	0
Investments	20,072	27,133	37,848	38,382	44,794	47,530
Other assets	69,404	81,441	1,19,086	1,25,838	1,45,567	1,62,731
Total assets	90,216	1,09,426	1,57,846	1,65,542	1,91,797	2,11,804

Source: Inve data · balance sheet · to Sept 2026

In days and %. Oldest period first.

Line item	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Return on equity	22.0%	16.0%	15.0%	13.0%	14.0%	14.0%
Dividend payout	0.0%	3.0%	5.0%	4.0%	4.0%	3.0%

Source: Inve data · annual ratios · to Mar 2026

Where revenue comes from

The businesses behind the company’s reported revenue.

Reporting basis Reporting period

Retail banking- Other Retail Banking contributes 74.3% of reported segment revenue.

Quarter ended 30 Jun 2026 · Standalone

Retail banking- Other Retail Banking 74.3%

₹4,450.30 crore
Treasury 13.4%

₹801.06 crore
Wholesale banking 10.8%

₹647.10 crore
Other banking operations 1.6%

₹93.49 crore
Retail banking- Digital Banking* <0.1%

₹<0.01 crore
Capital and Other Reserves 0.0%

₹0.00 crore

Reported business segments for quarter ended 30 Jun 2026
Business segment	Revenue · ₹ crore	Share
Retail banking- Other Retail Banking	4,450.30	74.3%
Treasury	801.06	13.4%
Wholesale banking	647.10	10.8%
Other banking operations	93.49	1.6%
Retail banking- Digital Banking*	<0.01	<0.1%
Capital and Other Reserves	0.00	0.0%

Share = segment revenue ÷ total segment revenue, before intersegment adjustments.

How these numbers add up

Total segment revenue: ₹5,991.96 crore
Intersegment adjustment: Not reported
Net segment revenue: ₹5,991.96 crore

Intersegment transactions are between the company’s own businesses. Net segment revenue can differ from income-statement revenue because reporting definitions differ.

Source: FinEdge · Last checked 19 Sept 2026. Reported segment names are kept as supplied.

Ownership

Who owns it

Foreign institutions hold 36.06% as of Sept 2026; institutions added 0.11 pts since Jun 2026.

Promoters −0.08 pts 22.66%
Foreign institutions +0.08 pts 36.06%
Domestic institutions +0.03 pts 32.84%
Public −0.02 pts 8.45%

1,63,131 shareholders on the register.

Source: Exchange shareholding filings · to Sept 2026 · 8 filings held

Who was buying across the market this quarter

Who bought this quarter

since Jun 2026

Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.

Mutual fund newly disclosed 7.01% held
Mutual fund newly disclosed 4.25% held
newly disclosed 1.80% held
newly disclosed 1.71% held
Mutual fund newly disclosed 1.14% held

The same filing shows 3 holders trimming and 5 off the list — both are in the register beside this.

Who is on the register

Named in the Sep 2026 filing

Every holder of AU Small Finance Bank Limited above SEBI's 1% disclosure line, and what changed since Jun 2026.

Holder	Stake	Change
	15.60%	−0.05 pp
Mutual fund	7.01%	newly disclosed
Mutual fund	4.25%	newly disclosed
FPI fund	3.59%	unchanged
	3.15%	unchanged
	2.48%	unchanged
Global fund house	2.16%	unchanged
Insurer	1.96%	unchanged
	1.80%	newly disclosed
	1.78%	unchanged
	1.71%	newly disclosed
Global fund house	1.66%	unchanged

A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.

Mutual funds in AUBANK

Filings to Sep 2026

0 new, 15 added, 5 trimmed, 1 sold out — net −17.23 L shares (−1.9%).

Held by funds: ₹9.0k Cr; 36 schemes
Biggest holder: HDFC Mid Cap Fund; ₹4.0k Cr · 3.9% of that fund

Scheme	Holding	Last month	Held since
HDFC Mid Cap Fund HDFC Mutual Fund	₹4.0k Cr	held	Nov '23
Nippon India Growth Mid Cap Fund Nippon India Mutual Fund	₹1.4k Cr	held	Jul '18
Nippon India Multi Cap Fund Nippon India Mutual Fund	₹683 Cr	+7.43 L	Aug '26
HDFC Balanced Advantage Fund HDFC Mutual Fund	₹495 Cr	held	Feb '25
Nippon India ETF Nifty Bank BeES Nippon India Mutual Fund	₹384 Cr	+0.73 L	Mar '21
HDFC Large & Mid Cap Fund HDFC Mutual Fund	₹198 Cr	held	Dec '22
HDFC Multi Cap Fund HDFC Mutual Fund	₹197 Cr	held	Feb '24
HDFC Value Fund HDFC Mutual Fund	₹176 Cr	held	Nov '25

HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.

Mutual funds Sep 2026

15 added, 5 trimmed — net −17.23 L shares (−1.9%)

Funds are sitting on: +13%; vs est. average cost
Held by funds: ₹9.0k Cr; 36 schemes · ≈ 12% of the company
Biggest holder: HDFC Mid Cap Fund; ₹4.0k Cr · 3.9% of that fund
Longest holder: Nippon India Growth Mid Cap Fund; 8y 3m · since Jul '18

Shares held by these funds +579%

Oct '23 8.89 cr shares Sep '26

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