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AU Small Finance Bank Limited
(AUBANK)
AU Small Finance Bank Limited (AUBANK) vs. iShares MSCI India ETF (INDA)
AU Small Finance Bank Limited Business Overview & Revenue Model
AU Small Finance Bank Limited Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 195.04B | 185.94B | 122.53B | 92.41B | 69.16B | 63.72B |
| Gross Profit | 109.67B | 105.42B | 68.56B | 54.60B | 42.28B | 37.87B |
| EBITDA | 28.98B | 30.47B | 22.25B | 20.50B | 15.94B | 15.63B |
| Net Income | 21.84B | 21.06B | 15.35B | 14.28B | 11.30B | 11.71B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.58T | 1.09T | 902.16B | 690.78B | 515.91B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 94.66B | 63.76B | 10.36B | 59.77B | 48.18B |
| Total Debt | 0.00 | 116.60B | 130.84B | 62.99B | 127.95B | 127.40B |
| Total Liabilities | -171.66B | 1.41T | 968.66B | 792.39B | 615.64B | 453.16B |
| Stockholders Equity | 171.66B | 171.66B | 125.60B | 109.77B | 75.14B | 62.75B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -213.67B | 19.11B | 51.88B | 65.66B | 49.15B |
| Operating Cash Flow | 0.00 | -211.02B | 22.57B | 54.94B | 68.49B | 50.56B |
| Investing Cash Flow | 0.00 | -59.31B | -48.55B | -43.20B | -47.53B | -9.90B |
| Financing Cash Flow | 0.00 | 289.72B | 170.15B | 23.23B | -9.48B | -26.55B |
AU Small Finance Bank Limited Technical Analysis
AU Small Finance Bank Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹357.25B | 13.81 | ― | 1.36% | 17.33% | 45.79% | |
74 Outperform | ₹646.25B | 6.70 | ― | 2.85% | 14.34% | 20.97% | |
74 Outperform | ₹1.04T | 9.25 | ― | 2.09% | 9.74% | 12.56% | |
69 Neutral | ₹739.27B | 33.92 | ― | 0.10% | 30.73% | 14.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹642.16B | 16.41 | ― | 0.46% | 10.62% | -5.21% |
AU Small Finance Bank Limited Corporate Events
AU Small Finance Bank Limited has received an ESG Score of 80.4, equivalent to an ESG Grade A, from SES ESG Research Private Limited for the fiscal year 2024-25. This independent rating, based on publicly available information, reflects positively on the bank’s environmental, social, and governance practices, potentially enhancing its reputation and appeal among stakeholders.
AU Small Finance Bank Limited announced that CARE Ratings Limited has reaffirmed its credit ratings, assigning a ‘CARE AA; Stable’ rating to its long-term debt instruments and infrastructure bonds, and ‘CARE A1+’ to its short-term instruments. The reaffirmation reflects the bank’s consistent growth and strong capitalisation, although challenges such as increased credit costs and asset quality issues persist. The bank’s regional concentration and lower CASA ratio are noted constraints, but it has received in-principal approval from the RBI to transition to a Universal Bank, indicating potential for future growth and diversification.
AU Small Finance Bank Limited has issued a notice of postal ballot to its members, seeking approval for several key resolutions. These include the appointment and re-appointment of independent directors and the approval of remuneration for the Managing Director, CEO, and Deputy CEO. The voting process will be conducted through remote e-voting, with results expected to be declared by December 29, 2025. This move is part of the bank’s governance practices to ensure transparency and shareholder engagement.
AU Small Finance Bank Limited announced key changes in its board of directors following a meeting held on November 24, 2025. The board approved the appointments of Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, and the re-appointment of Ms. Malini Thadani for a second term. These appointments, subject to shareholder approval, are part of the bank’s strategic efforts to strengthen its governance and leadership structure, potentially impacting its operational efficiency and stakeholder confidence.
AU Small Finance Bank Limited announced the appointment of Mr. Narasinganallore Venkatesh Srinivasan and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, and the re-appointment of Ms. Malini Thadani for a second term. These appointments, effective from November 25, 2025, are subject to shareholder approval and are part of the bank’s strategic efforts to strengthen its board with experienced leadership, potentially enhancing its governance and strategic direction.
AU Small Finance Bank Limited announced the appointment of Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, effective November 25, 2025, for a three-year term, pending shareholder approval. Additionally, Ms. Malini Thadani has been re-appointed for a second term as a Non-Executive Independent Director. These appointments reflect the bank’s strategic focus on strengthening its board with experienced professionals, potentially enhancing governance and strategic oversight.
AU Small Finance Bank Limited has announced key appointments to its Board of Directors, including Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, and the re-appointment of Ms. Malini Thadani for a second term. These strategic appointments, effective November 25, 2025, are aimed at strengthening the bank’s governance and aligning its leadership with future growth objectives, subject to shareholder approval.
AU Small Finance Bank Limited announced the completion of tenures for its Independent Directors, Prof. M S Sriram and Mr. Pushpinder Singh, who have ceased their roles as of October 20, 2025. The bank expressed appreciation for their contributions, highlighting their impact on the bank’s growth and governance, which underscores the importance of strategic leadership in maintaining the bank’s industry position.
AU Small Finance Bank Limited has released the transcript of its earnings conference call for the quarter and half-year ending September 30, 2025. This release is part of the bank’s compliance with regulatory requirements and provides insights into its financial performance, potentially impacting its market positioning and informing stakeholders about its operational strategies.
AU Small Finance Bank Limited has announced an amendment to its Code of Fair Disclosure and Conduct and Policy for the determination and sharing of information for legitimate purposes. This change, approved by the Board of Directors, aligns with the Securities and Exchange Board of India’s regulations on insider trading. The amendment is expected to enhance transparency and compliance, potentially strengthening the bank’s governance framework and reassuring stakeholders of its commitment to regulatory standards.
AU Small Finance Bank Limited announced that CARE Ratings Limited has reaffirmed its credit ratings, maintaining a ‘CARE AA; Stable’ rating for its long-term debt instruments and a ‘CARE A1+’ rating for its short-term instruments. The reaffirmation reflects the bank’s robust capitalisation and profitability, although there is a noted increase in credit costs due to the integration of Fincare Small Finance Bank’s portfolio. The bank’s asset quality remains a concern with an increase in non-performing assets, particularly in microfinance and credit card segments. Despite these challenges, AU Small Finance Bank has received in-principle approval from the Reserve Bank of India to transition to a Universal Bank, indicating potential for future growth and expansion.
AU Small Finance Bank Limited has announced the allotment of 160,556 equity shares following the exercise of Employee Stock Options (ESOPs) from various schemes dating from 2016 to 2023. This move will increase the bank’s paid-up equity share capital from Rs. 7,46,11,12,220 to Rs. 7,46,27,17,780, indicating a strategic step to incentivize employees and potentially enhance the bank’s operational capacity and market positioning.
AU Small Finance Bank Limited has announced the allotment of 160,556 equity shares following the exercise of Employee Stock Options (ESOPs) from various years, leading to an increase in the bank’s paid-up equity share capital. This move reflects the bank’s commitment to employee incentives and could enhance its market position by aligning employee interests with company growth, potentially impacting shareholder value positively.
AU Small Finance Bank Limited has announced a scheduled conference call with analysts and investors on October 17, 2025, to discuss the financial results for the quarter and half-year ending September 30, 2025. This call, led by the bank’s senior management, is an opportunity to provide insights into the bank’s financial performance and strategic direction, potentially impacting investor confidence and market positioning.
AU Small Finance Bank Limited has reported its performance for the quarter ended September 30, 2025, highlighting a significant year-over-year growth in total deposits and gross advances by 20.8% and 22.4%, respectively. The provisional financial data, released ahead of the official announcement, indicates a positive trajectory for the bank, suggesting robust operational performance and potential positive implications for stakeholders.