AU SMALL FINANCE BANK LTD (AUBANK) financials

AU SMALL FINANCE BANK LTD (AUBANK) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services.[1]

Market Cap: ₹74,340Cr.
Current Price: ₹989
Stock P/E: 26.0
ROE: 14.2%
ROCE: 7.66%
Book Value: ₹267
Dividend Yield: 0.10%
52W High / Low: ₹1,145/806

In Jun 2026, AU SMALL FINANCE BANK LTD (AUBANK) reported sales ₹5,303 Cr and net profit ₹796 Cr.

Annual TTM: sales ₹19,561 Cr, net profit ₹2,856 Cr.

Shareholding: Promoters 22.66% (Sep 2026), FIIs 36.06% (Sep 2026), DIIs 32.84% (Sep 2026), Public 8.45% (Sep 2026), No. of Shareholders 1,63,131% (Sep 2026).

AUBANK quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	3,911	4,113	4,271	4,378	4,511	4,727	5,019	5,303
Interest	1,936	2,091	2,177	2,334	2,367	2,386	2,437	2,607
Expenses	1,854	1,938	2,197	2,076	2,128	2,181	2,231	2,321
Financing Profit	121	85	-104	-32	16	160	351	375
Financing Margin %	3%	2%	-2%	-1%	0%	3%	7%	7%
Other Income	638	618	761	811	713	724	731	689
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	759	703	657	779	729	884	1,082	1,064
Tax %	25%	25%	23%	25%	23%	24%	23%	25%
Net Profit	571	528	504	581	561	668	832	796
EPS in Rs	7.68	7.10	6.77	7.79	7.52	8.94	11.12	10.63
Gross NPA %	1.98%	2.31%	2.28%	2.47%	2.41%	2.30%	2.03%	2.10%
Net NPA %	0.75%	0.91%	0.74%	0.88%	0.88%	0.88%	0.74%	0.76%
Raw PDF	—	—	—	—	—	—	—	—

AUBANK profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	4,286	4,950	5,922	8,205	10,555	16,064	18,636	19,561
Interest	2,377	2,585	2,688	3,780	5,398	8,052	9,524	9,797
Expenses	1,612	2,224	2,634	3,410	4,629	7,491	8,345	8,861
Financing Profit	296	142	601	1,016	528	520	768	903
Financing Margin %	7%	3%	10%	12%	5%	3%	4%	5%
Other Income	706	1,421	994	1,034	1,697	2,526	2,978	2,857
Depreciation	89	104	140	185	225	259	272	0
Profit before tax	914	1,458	1,454	1,865	1,999	2,788	3,474	3,759
Tax %	26%	20%	22%	23%	23%	24%	24%	—
Net Profit	675	1,171	1,130	1,428	1,535	2,106	2,641	2,856
EPS in Rs	11.09	18.75	17.94	21.42	22.93	28.29	35.30	38.21
Dividend Payout %	0%	0%	3%	5%	4%	4%	3%	—

AUBANK balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	292	304	312	315	667	669	745	748
Reserves	2,871	4,073	5,963	7,199	10,311	11,890	16,422	19,225
Deposits	19,422	26,164	35,979	52,585	69,365	87,182	124,269	152,661
Borrowing	8,613	10,335	7,030	5,991	6,299	5,479	11,660	13,872
Other Liabilities	1,424	1,267	2,307	2,988	3,575	4,205	4,751	5,291
Total Liabilities	32,623	42,143	51,591	69,078	90,216	109,426	157,846	191,797
Fixed Assets	440	438	477	609	707	784	825	881
CWIP	7	10	5	14	33	67	87	555
Investments	7,162	10,668	10,815	15,306	20,072	27,133	37,848	44,794
Other Assets	25,014	31,027	40,294	53,149	69,404	81,441	119,086	145,567
Total Assets	32,623	42,143	51,591	69,078	90,216	109,426	157,846	191,797

AUBANK cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	848	660	5,056	6,849	5,494	2,608	5,462	1,829
Cash from Investing Activity	-2,305	-1,267	-990	-4,753	-4,320	-4,855	-4,780	-5,090
Cash from Financing Activity	1,436	2,237	-2,655	-948	2,323	-802	2,407	2,318
Net Cash Flow	-21	1,629	1,412	1,147	3,497	-3,049	3,090	-943
Free Cash Flow	724	569	4,916	6,568	5,190	2,270	5,205	1,027

AUBANK shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	22.89%	22.87%	22.85%	22.82%	22.79%	22.76%	22.74%	22.66%
FIIs	39.34%	35.58%	37.68%	34.50%	36.45%	37.27%	35.98%	36.06%
DIIs	21.78%	27.16%	28.86%	31.91%	31.27%	31.30%	32.81%	32.84%
Public	15.99%	14.39%	10.59%	10.78%	9.51%	8.67%	8.47%	8.45%
No. of Shareholders	1,89,495	1,92,987	1,90,119	1,91,508	1,81,635	1,67,443	1,62,894	1,63,131

AUBANK key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	14%	18%	22%	16%	15%	13%	14%	14%

AUBANKUpdated 19 Oct 2026, 2:57

Au Small Finance Bank Ltd

AUBANKUpdated 19 Oct 2026, 2:57

Market Cap

₹74,340Cr.

Current Price

₹989

High / Low

₹1,145/806

Stock P/E

26.0

ROE14.2%

ROCE7.66%

Book Value₹267

Face Value₹10.0

Dividend Yield0.10%

About

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services.[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	2458	1212	1048	198	8	315	513	25	387	5.8	1.76	0.55
Sep 2023	2531	1282	1122	127	5	406	533	25	402	6.01	1.91	0.6
Dec 2023	2736	1411	1269	56	2	442	498	25	375	5.61	1.98	0.68
Mar 2024	2830	1492	1346	-9	0	464	455	18	371	5.54	1.67	0.55
Jun 2024	3769	1848	1761	160	4	509	669	25	503	6.76	1.78	0.63
Sep 2024	3911	1936	1854	121	3	638	759	25	571	7.68	1.98	0.75
Dec 2024	4113	2091	1938	85	2	618	703	25	528	7.1	2.31	0.91
Mar 2025	4271	2177	2197	-104	-2	761	657	23	504	6.77	2.28	0.74
Jun 2025	4378	2334	2076	-32	-1	811	779	25	581	7.79	2.47	0.88
Sep 2025	4511	2367	2128	16	0	713	729	23	561	7.52	2.41	0.88
Dec 2025	4727	2386	2181	160	3	724	884	24	668	8.94	2.3	0.88
Mar 2026	5019	2437	2231	351	7	731	1082	23	832	11.12	2.03	0.74
Jun 2026	5303	2607	2321	375	7	689	1064	25	796	10.63	2.1	0.76

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	704	282	209	212	30	2	7	208	33	140	2.65
Mar 2016	1010	395	289	326	32	5	9	323	34	212	4
Mar 2017	1280	496	445	339	26	810	6	1143	28	822	14.46
Mar 2018	1767	827	832	109	6	388	53	443	34	292	5.11
Mar 2019	2949	1607	1163	180	6	462	62	580	34	382	6.53
Mar 2020	4286	2377	1612	296	7	706	89	914	26	675	11.09
Mar 2021	4950	2585	2224	142	3	1421	104	1458	20	1171	18.75
Mar 2022	5922	2688	2634	601	10	994	140	1454	22	1130	17.94
Mar 2023	8205	3780	3410	1016	12	1034	185	1865	23	1428	21.42
Mar 2024	10555	5398	4629	528	5	1697	225	1999	23	1535	22.93
Mar 2025	16064	8052	7491	520	3	2526	259	2788	24	2106	28.29
Mar 2026	18636	9524	8345	768	4	2978	272	3474	24	2641	35.3
TTM	19561	9797	8861	903	5	2857	0	3759	—	2856	38.21

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	22.66%
FIIs	36.06%
DIIs	32.84%
Public	8.45%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	25.47%	41.13%	20.81%	12.63%
Mar 2024	25.45%	39.37%	22.77%	12.4%
Jun 2024	22.92%	39.58%	18.44%	19.06%
Sep 2024	22.91%	40.71%	20.13%	16.23%
Dec 2024	22.89%	39.34%	21.78%	15.99%
Mar 2025	22.87%	35.58%	27.16%	14.39%
Jun 2025	22.85%	37.68%	28.86%	10.59%
Sep 2025	22.82%	34.5%	31.91%	10.78%
Dec 2025	22.79%	36.45%	31.27%	9.51%
Mar 2026	22.76%	37.27%	31.3%	8.67%
Jun 2026	22.74%	35.98%	32.81%	8.47%
Sep 2026	22.66%	36.06%	32.84%	8.45%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	44	767	346	4035	19	0	140	3877	4035
Mar 2016	44	965	502	6294	24	0	232	6038	6294
Mar 2017	284	1703	674	9781	36	240	2150	7355	9781
Mar 2018	286	1995	989	18833	380	6	3051	15396	18833
Mar 2019	292	2871	1424	32623	440	7	7162	25014	32623
Mar 2020	304	4073	1267	42143	438	10	10668	31027	42143
Mar 2021	312	5963	2307	51591	477	5	10815	40294	51591
Mar 2022	315	7199	2988	69078	609	14	15306	53149	69078
Mar 2023	667	10311	3575	90216	707	33	20072	69404	90216
Mar 2024	669	11890	4205	109426	784	67	27133	81441	109426
Mar 2025	745	16422	4751	157846	825	87	37848	119086	157846
Mar 2026	748	19225	5291	191797	881	555	44794	145567	191797

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-747	-23	782	12
Mar 2016	-1938	-33	1964	-7
Mar 2017	-2405	552	2448	596
Mar 2018	2505	-1890	521	1136
Mar 2019	848	-2305	1436	-21
Mar 2020	660	-1267	2237	1629
Mar 2021	5056	-990	-2655	1412
Mar 2022	6849	-4753	-948	1147
Mar 2023	5494	-4320	2323	3497
Mar 2024	2608	-4855	-802	-3049
Mar 2025	5462	-4780	2407	3090
Mar 2026	1829	-5090	2318	-943

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	19%	23%	55%	14%	14%	18%	22%	16%	15%	13%	14%	14%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of AU SMALL FINANCE BANK LTD (AUBANK)?

The reported market capitalisation for AU SMALL FINANCE BANK LTD (AUBANK) is ₹74,340Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of AUBANK?

The current price shown for AU SMALL FINANCE BANK LTD (AUBANK) on Fincrux is ₹989 with a 52-week high/low of ₹1,145/806.

What is the P/E ratio of AU SMALL FINANCE BANK LTD (AUBANK)?

The stock P/E for AU SMALL FINANCE BANK LTD (AUBANK) is 26.0 on Fincrux, with ROE at 14.2% and ROCE at 7.66%.

What were AUBANK latest quarterly results?

For Jun 2026, AU SMALL FINANCE BANK LTD (AUBANK) reported sales ₹5,303 Cr and net profit ₹796 Cr (figures in ₹ crore unless noted).

What are AUBANK annual sales and net profit?

For TTM, AU SMALL FINANCE BANK LTD (AUBANK) shows sales of ₹19,561 Cr and net profit of ₹2,856 Cr on the Fincrux profit & loss statement.

Who owns AU SMALL FINANCE BANK LTD (AUBANK)?

Latest shareholding for AU SMALL FINANCE BANK LTD (AUBANK) on Fincrux: Promoters 22.66% (Sep 2026), FIIs 36.06% (Sep 2026), DIIs 32.84% (Sep 2026), Public 8.45% (Sep 2026), No. of Shareholders 1,63,131% (Sep 2026).

Where can I find AU SMALL FINANCE BANK LTD (AUBANK) financials?

AU SMALL FINANCE BANK LTD (AUBANK) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show AUBANK balance sheet and cash flow?

Yes. The AU SMALL FINANCE BANK LTD (AUBANK) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 19 October 2026 at 2:57