AUBANK
AU Small Finance Bank share price & financials
- Price
- ₹1,030.2
- Market cap
- ₹78.5k Cr
- Sector
- Financial Services
- Calls analysed
- 7
AU Small Finance Bank Limited Q1 FY27
What went well
- Profit for the quarter grew by 37% year-on-year to INR796 crores.
- Deposits growth remained robust at 24% year-on-year to INR1.58 lakh crores.
- Loan portfolio grew by 23% year-on-year, with secured assets growing by 25% YoY.
What to watch
- Q1 was marked by heightened geopolitical uncertainty arising from the ongoing West Asia crisis.
- Liquidity conditions remain relatively tight with heightened competition for deposits and elevated interest rates.
What AU Small Finance Bank Limited does
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)
Guidance record · Q1 FY27
what the last two calls moved 20 tracked 7 delivered 1 missed 12 open- Universal Bank Conversion went quiet said Q2 FY26 Promised: within 18-month period from Aug 2025 Q1 FY27: No update provided on the universal banking license conversion timeline. Application was filed in March '26 and is awaiting regulatory approval.
- Cost to Assets Ratio at risk said Q4 FY26 Promised: lower than 4% Q1 FY27: Cost to assets ratio (excluding CGFMU premium) was 4%, up marginally from 3.9% last year.
- Credit Cost (as % of average total assets) delivered said Q4 FY25 Promised: 75 bps to 85 bps for FY26 Q4 FY26: Credit cost for the full year, it was 96 bps of average assets.
All 20 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 21.1%, net profit up 37.0% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 +15% | 4,727 +15% | 5,019 +18% | 5,303 +21% |
| Net profit | 571 | 528 | 504 | 581 | 561 −2% | 668 +27% | 832 +65% | 796 +37% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance +48.3% 1Y
1Y: ₹713.8 on 10 Sept 2025 → ₹1,058.9. High ₹1,128.6 (25 Aug 2026), low ₹706.05 (22 Sept 2025).
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
- Q2 FY26
- −0.8%
- 17 Oct
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.
Financials, as filed
Revenue grew 31.4% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹8.2k Cr | ₹10.6k Cr | ₹16.1k Cr | ₹18.6k Cr |
| Interest | ₹3.8k Cr | ₹5.4k Cr | ₹8.1k Cr | ₹9.5k Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹1.4k Cr | ₹1.5k Cr | ₹2.1k Cr | ₹2.6k Cr |
| Net margin | 17.4% | 14.5% | 13.1% | 14.2% |
| ROE | 15.0% | 13.0% | 14.0% | 14.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹312 Cr | ₹315 Cr | ₹667 Cr | ₹669 Cr | ₹746 Cr | ₹748 Cr |
| Reserves | ₹6.0k Cr | ₹7.2k Cr | ₹10.3k Cr | ₹11.9k Cr | ₹17.4k Cr | ₹19.2k Cr |
| Borrowings | ₹7.0k Cr | ₹6.0k Cr | ₹6.3k Cr | ₹5.5k Cr | — | ₹13.9k Cr |
| Deposits | ₹36.0k Cr | ₹52.6k Cr | ₹69.4k Cr | ₹87.2k Cr | — | ₹152.7k Cr |
| Other liabilities | ₹2.3k Cr | ₹3.0k Cr | ₹3.6k Cr | ₹4.2k Cr | ₹4.6k Cr | ₹5.3k Cr |
| Total liabilities | ₹51.6k Cr | ₹69.1k Cr | ₹90.2k Cr | ₹109.4k Cr | ₹165.5k Cr | ₹191.8k Cr |
| Fixed assets | ₹477 Cr | ₹609 Cr | ₹707 Cr | ₹784 Cr | ₹1.3k Cr | ₹881 Cr |
| Capital work in progress | ₹5 Cr | ₹14 Cr | ₹33 Cr | ₹67 Cr | ₹0 Cr | ₹555 Cr |
| Investments | ₹10.8k Cr | ₹15.3k Cr | ₹20.1k Cr | ₹27.1k Cr | ₹38.4k Cr | ₹44.8k Cr |
| Other assets | ₹40.3k Cr | ₹53.1k Cr | ₹69.4k Cr | ₹81.4k Cr | ₹125.8k Cr | ₹145.6k Cr |
| Total assets | ₹51.6k Cr | ₹69.1k Cr | ₹90.2k Cr | ₹109.4k Cr | ₹165.5k Cr | ₹191.8k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, DIIs added +3.95 pp while the public trimmed −2.12 pp. The shareholder count shrank 14% to 1,62,894.
- Promoters
- 22.7%
- FIIs
- 36.0%
- DIIs
- 32.8%
- Public
- 8.5%
Since Jun 2025
- DIIs +3.95 pp
- Public −2.12 pp
- FIIs −1.70 pp
How it drifted, 12 quarters
Over this window DIIs went from 19.6% to 32.8% — +13.3 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 25.5%, FIIs 41.6%, DIIs 19.6%, Public 13.3%.Dec '23: Promoters 25.5%, FIIs 41.1%, DIIs 20.8%, Public 12.6%.Mar '24: Promoters 25.4%, FIIs 39.4%, DIIs 22.8%, Public 12.4%.Jun '24: Promoters 22.9%, FIIs 39.6%, DIIs 18.4%, Public 19.1%.Sep '24: Promoters 22.9%, FIIs 40.7%, DIIs 20.1%, Public 16.2%.Dec '24: Promoters 22.9%, FIIs 39.3%, DIIs 21.8%, Public 16.0%.Mar '25: Promoters 22.9%, FIIs 35.6%, DIIs 27.2%, Public 14.4%.Jun '25: Promoters 22.9%, FIIs 37.7%, DIIs 28.9%, Public 10.6%.Sep '25: Promoters 22.8%, FIIs 34.5%, DIIs 31.9%, Public 10.8%.Dec '25: Promoters 22.8%, FIIs 36.5%, DIIs 31.3%, Public 9.5%.Mar '26: Promoters 22.8%, FIIs 37.3%, DIIs 31.3%, Public 8.7%.Jun '26: Promoters 22.7%, FIIs 36.0%, DIIs 32.8%, Public 8.5%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- UTI-Flexi Cap Fund Mutual fund newly disclosed 1.01% held
- Invesco India Arbitrage Fund Mutual fund +0.55 pp 2.49% held
- Nippon Life India Trustee Ltd- A/C Nippon India Growth Mid Cap Fund Mutual fund +0.33 pp 3.02% held
- SBI Life Insurance Co. Ltd Insurer +0.19 pp 1.96% held
The same filing shows 5 holders trimming and 2 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of AU Small Finance Bank Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Sanjay Agarwal | 15.65% | unchanged |
| HDFC Mutual Fund - HDFC Mid-Cap Fund Mutual fund | 7.06% | −0.06 pp |
| Camas Investments Pte. Ltd. FPI fund | 3.60% | unchanged |
| Jyoti Agarwal | 3.16% | unchanged |
| Nippon Life India Trustee Ltd- A/C Nippon India Growth Mid Cap Fund Mutual fund | 3.02% | +0.33 pp |
| Shakuntala Agarwal | 2.49% | unchanged |
| Invesco India Arbitrage Fund Mutual fund | 2.49% | +0.55 pp |
| Smallcap World Fund, Inc Global fund house | 2.17% | −0.19 pp |
| SBI Life Insurance Co. Ltd Insurer | 1.96% | +0.19 pp |
| Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life Large Cap Fund Mutual fund | 1.83% | unchanged |
| Uttam Tibrewal | 1.79% | unchanged |
| New World Fund Inc Global fund house | 1.67% | −0.41 pp |
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 Aug 2026
3 new, 13 added, 7 trimmed, 0 sold out — net +71.94 L shares (+16.9%).
- Held by funds
- ₹5.4k Cr
- 34 schemes
- Biggest holder
- Nippon India Growth Mid Cap Fund
- ₹1.5k Cr · 2.9% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| Nippon India Growth Mid Cap Fund Nippon India Mutual Fund | ₹1.5k Cr | +8.00 L | Jul '18 |
| Nippon India Multi Cap Fund Nippon India Mutual Fund | ₹653 Cr | new | Aug '26 |
| HDFC Balanced Advantage Fund HDFC Mutual Fund | ₹514 Cr | held | Feb '25 |
| SBI Flexicap Fund SBI Mutual Fund | ₹418 Cr | held | Jul '26 |
| Nippon India ETF Nifty Bank BeES Nippon India Mutual Fund | ₹405 Cr | −0.30 L | Mar '21 |
| HDFC Large and Mid Cap Fund HDFC Mutual Fund | ₹205 Cr | held | Dec '22 |
| HDFC Multi Cap Fund HDFC Mutual Fund | ₹204 Cr | held | Feb '24 |
| Nippon India Arbitrage Fund Nippon India Mutual Fund | ₹204 Cr | −0.61 L | May '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 Aug 2026
13 added, 7 trimmed — net +71.94 L shares (+16.9%)
- Funds are sitting on
- +34%
- vs est. average cost
- Held by funds
- ₹5.4k Cr
- 34 schemes · ≈ 6.5% of the company
- Biggest holder
- Nippon India Growth Mid Cap Fund
- ₹1.5k Cr · 2.9% of that fund
Shares held by these funds +193%
Aug '23 4.25 cr shares Jul '26
All earnings calls (6)
Read the Q1 FY27 call →Learn to analyse AU Small Finance Bank Limited
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