Debut Plus

1,035.1

-5.52 -0.53%

17 Jul 2026

NSE Listed

AU Small Finance Bank Ltd. (AUBANK)

Volume: 6,10,596Avg Vol 1W: 8,64,554.4Avg Vol 1M: 20,75,571.4552W Range:682.151,090.4
Market Cap₹77,526 Cr
Current Price₹1,035.1
Previous Close₹1,040.62
High / Low (52w)₹1,090.4 / ₹682.15
Volume6,10,596
Avg Vol (1W)8,64,554.4
Avg Vol (1M)20,75,571.45
Stock P/E93
Book Value₹263.47
Dividend Yield10%
ROE13.22%
ROA157%
Revenue (TTM)₹12,091 Cr
Revenue Growth8%
Profit Margin14.17%
Total Debt₹13,872 Cr
Shares Outstanding75 Cr
Face Value₹10
EPS (TTM)₹35.27
P/B3.93
Debt / Equity0
50 DMA₹1,017.5
200 DMA₹966.41
Day change-0.53%
Price Chart
1,035.1 29.88% · 1Y
10726942.3Cr
2025-07-17
2026-07-16

20-day avg volume: 20.8L shares

Pros
  • Pays a dividend yield of 10.0%.
  • Company is almost debt-free.
  • Net profit is growing year over year.
Cons
  • Revenue fell 71% YoY.
  • Stock trades at a high P/E of 93.
Quarterly Results
MetricJun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Revenue
EBITDA
Net Profit₹503 Cr₹571 Cr₹528 Cr₹504 Cr₹581 Cr₹561 Cr₹668 Cr₹832 Cr
EPS
Profit & Loss (Annual)
MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2026
Revenue₹675 Cr₹815 Cr₹1,214 Cr₹1,446 Cr₹12,091 Cr
EBITDA₹149 Cr₹241 Cr₹373 Cr₹486 Cr₹0 Cr
Net Profit₹98 Cr₹163 Cr₹247 Cr₹762 Cr₹2,641 Cr
EPS24.2137.249.2627.45
Balance Sheet
MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2026
Total Assets₹3,377 Cr₹4,823 Cr₹7,933 Cr₹9,812 Cr₹1,91,797 Cr
Total Liabilities₹2,727 Cr₹3,985 Cr₹6,862 Cr₹7,824 Cr₹1,71,824 Cr
Equity₹649 Cr₹838 Cr₹1,071 Cr₹1,988 Cr₹19,974 Cr
Total Debt₹13,872 Cr
Cash Flow
MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2026
Operating₹-617 Cr₹-1,050 Cr₹-1,603 Cr₹1,204 Cr₹1,829 Cr
Investing₹593 Cr₹3 Cr₹39 Cr₹-1,800 Cr₹-5,090 Cr
Financing₹-148 Cr₹1,153 Cr₹1,958 Cr₹1,022 Cr₹2,318 Cr
Free Cash Flow₹-617 Cr₹-1,050 Cr₹-1,603 Cr₹1,204 Cr₹1,020 Cr
Shareholding
Promoter 22.76% Institutions 68.57% Public 8.68%
About AU Small Finance Bank Ltd.

Financial Services · Banks - Regional

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

www.au.bank.in
Efficiency & Working Capital
ROCE6.8%
Interest Coverage0
Dividend Payout
Debtor Days
Inventory Days
Payable Days
Cash Conversion Cycle
Working Capital Days
Shareholding Details

As of 2026-03-31

Promoter22.8%
FII37.3%
DII31.3%
Institutions68.6%
Public8.7%
Promoter Pledge0%
No. of Shareholders1,67,443
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodDec 2023Mar 2024Apr 2024Apr 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Promoters25.5%25.4%22.9%22.9%22.9%22.9%22.9%22.9%22.9%22.8%22.8%22.8%
FIIs41.1%39.4%35.5%35.5%39.6%40.7%39.3%35.6%37.7%34.5%36.4%37.3%
DIIs15.2%22.8%21.2%21.2%18.4%20.1%21.8%27.2%28.9%31.9%31.3%31.3%
Public18.2%12.4%20.4%20.4%19.1%16.2%16%14.4%10.6%10.8%9.5%8.7%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders1,55,6602,30,1722,30,3782,30,3781,95,7621,74,1011,89,4951,92,9871,90,1191,91,5081,81,6351,67,443
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202503
Major Shareholders (>1%)
NameCategoryStakeShares
Sanjay AgarwalShareholding of Promoter and Promoter Group15.7%11.72 Cr
Hdfc Mutual Fund - Hdfc Mid-cap FundPublic Shareholding7.1%5.33 Cr
Camas Investments Pte. Ltd.Public Shareholding3.6%2.69 Cr
Jyoti AgarwalShareholding of Promoter and Promoter Group3.2%2.36 Cr
Nippon Life India Trustee Ltd- A/c Nippon India Growth Mid Cap FundPublic Shareholding2.7%2.01 Cr
Shakuntala AgarwalShareholding of Promoter and Promoter Group2.5%1.86 Cr
Smallcap World Fund, IncPublic Shareholding2.4%1.77 Cr
New World Fund IncPublic Shareholding2.1%1.56 Cr
Invesco India Arbitrage FundPublic Shareholding1.9%1.45 Cr
Aditya Birla Sun Life Trustee Private Limited A/c Aditya Birla Sun Life Flexi Cap FundPublic Shareholding1.9%1.40 Cr
Uttam TibrewalPublic Shareholding1.8%1.34 Cr
Sbi Life Insurance Co. LtdPublic Shareholding1.8%1.32 Cr
Hdfc Life Insurance Company LimitedPublic Shareholding1.6%1.20 Cr
Kotak Flexicap FundPublic Shareholding1.6%1.20 Cr
Dsp Midcap FundPublic Shareholding1.6%1.20 Cr
Nomura India Investment Fund Mother FundPublic Shareholding1.6%1.17 Cr
Mys Holdings Private LimitedShareholding of Promoter and Promoter Group1.5%1.08 Cr
Uti Nifty 200 Momentum 30 Index FundPublic Shareholding1.4%1.04 Cr
Zulia Investments Pte. Ltd.Public Shareholding1.4%1.02 Cr
Government Pension Fund GlobalPublic Shareholding1.3%94,58,758
Janchor Partners Pan-asian Master FundPublic Shareholding1.1%80,12,058
Vanguard Total International Stock Index FundPublic Shareholding1%76,57,711
Yuvraj AgarwalShareholding of Promoter and Promoter Group0%0
Mallika AgarwalShareholding of Promoter and Promoter Group0%0
Promoter Pledges
HolderPledged Shares% of HoldingAs of
Sanjay Agarwal00%2026-03-31
Jyoti Agarwal00%2026-03-31
Shakuntala Agarwal00%2026-03-31
Yuvraj Agarwal00%2026-03-31
Mallika Agarwal00%2026-03-31
Mys Holdings Private Limited00%2026-03-31
Uti Nifty 200 Momentum 30 Index Fund00%2026-03-31
Kotak Flexicap Fund00%2026-03-31
Dsp Midcap Fund00%2026-03-31
Aditya Birla Sun Life Trustee Private Limited A/c Aditya Birla Sun Life Flexi Cap Fund00%2026-03-31
Invesco India Arbitrage Fund00%2026-03-31
Nippon Life India Trustee Ltd- A/c Nippon India Growth Mid Cap Fund00%2026-03-31
Board of Directors
NameDesignationYear
UTTAM TIBREWALWhole-time Director2025
Kamlesh S VikamseyIndependent Director2025
Sanjay AgarwalManaging Director & Chief Executive Officer2025
Pushpinder SinghIndependent Director2025
Harun Rasid KhanChairman & Independent Director2025
Malini ThadaniIndependent Director2025
Sriram Mankal ShankarIndependent Director2025
Kavita VenugopalIndependent Director2025
MANMOHAN PARNAMICompany Sec. & Compli. Officer2025
Nandkumar SaravadeIndependent Director2025
J M PrasadIndependent Director2025
N S VenkateshAdditional Director2025
Phani ShankarNon Executive Director2025
Vivek TripathiWhole Time Director2025
Segments — Product
SegmentRevenueShare
Treasury₹2,565 Cr13.8%
Digital Banking*₹0 Cr0%
Other Retail Banking₹14,001 Cr75.3%
Wholesale banking₹1,643 Cr8.8%
Other banking operations₹381 Cr2%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2025₹101,200745745
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-25Board Meetings
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
2025000253164
2025000202
2025000233060
Insider / Designated-Person Trades

30 recent disclosure(s)

NAMOKAR MINING INDUSTRIES LLPDisposal · 30,000
NAMOKAR MINING INDUSTRIES LLP RevisedDisposal · 50,000
NAMOKAR MINING INDUSTRIES LLP RevisedDisposal · 14,684
NAMOKAR MINING INDUSTRIES LLPDisposal · 50,000
Bhargavi ShuklaDisposal · 47,400
NAMOKAR MINING INDUSTRIES LLPDisposal · 96,106
Substantial Acquisitions (SAST)

4 disclosure(s)

Market19/02/2025 · 50,86,927
Off Market Transfer08/07/2024 · 42,35,058
Market18/04/2024 · 50,502
Merger01/04/2024 · 5,97,82,387
Company Information
Incorporated1996
ChairmanHarun Rasid Khan
AuditorMSKA & Associates/Mukund M Chitale & Co
Investor Email[email protected]
🌐 www.aubank.in

📍 19-A Dhuleshwar Garden, Ajmer Road, Jaipur, Rajasthan, 302001

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