About
AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It offers savings, NRI, corporate salary, senior citizen, women and family, minor, current, premium banking, special offerings, RERA and escrow, collection, share capital and dividend, EXIM, institution current, government banking, Forex, SNRR, and grouping of business and personal accounts; and fixed, recurring, FCNR, and green fixed deposits. The company also provides home, car, commercial vehicle and equipment, gold, personal, two-wheeler, tractor, micro business, working capital, term, commercial vehicle, and tractor loans; loan secured by vehicle, and against FD and property; supply chain finance, renewables funding, real estate funding and project finance, and NBFC and startup funding; and trade finance, such as letter of credit, bank guarantees, buyer's credit, export credit, and Forex and hedging solutions. In addition, it offers cards and payments, including debit and credit cards, ATM and micro-ATM, UPI/Scan and Pay, fund transfer, doorstep banking, international payments, bill pay, mobile recharge, FASTag, and tax payments; AU 0101 and AU 0101 Business applications; and wealth products comprising mutual funds, ASBA/IPO, PMS/AIF/Bonds, and 3-in-1 trading and demat accounts. Further, the company provides life, health, and general insurance; and locker products. It serves urban, semi-urban, and rural markets, as well as salaried and self-employed individuals, small businesses, merchants, women entrepreneurs, farmers, micro-enterprises, and emerging affluent households. 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 Mumbai, India.
Key Metrics
as of Sep 2026Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 2,321.00 | 2,231.00 | 2,181.00 | 2,128.00 | 2,076.00 | 2,197.00 | 1,938.00 | 1,854.00 | 1,761.00 | 1,346.00 | 1,269.00 | 1,122.00 | 1,048.00 |
| Other Income | 689.00 | 731.00 | 724.00 | 713.00 | 811.00 | 761.00 | 618.00 | 638.00 | 509.00 | 464.00 | 442.00 | 406.00 | 315.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 2,607.00 | 2,437.00 | 2,386.00 | 2,367.00 | 2,334.00 | 2,177.00 | 2,091.00 | 1,936.00 | 1,848.00 | 1,492.00 | 1,411.00 | 1,282.00 | 1,212.00 |
| Profit before tax | 1,064.00 | 1,082.00 | 884.00 | 729.00 | 779.00 | 657.00 | 703.00 | 759.00 | 669.00 | 455.00 | 498.00 | 533.00 | 513.00 |
| Tax % | 25.00 | 23.00 | 24.00 | 23.00 | 25.00 | 23.00 | 25.00 | 25.00 | 25.00 | 18.00 | 25.00 | 25.00 | 25.00 |
| Net Profit | 796.00 | 832.00 | 668.00 | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 371.00 | 375.00 | 402.00 | 387.00 |
| EPS in Rs | 10.63 | 11.12 | 8.94 | 7.52 | 7.79 | 6.77 | 7.10 | 7.68 | 6.76 | 5.54 | 5.61 | 6.01 | 5.80 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 8,345.00 | 7,491.00 | 4,629.00 | 3,410.00 | 2,634.00 | 2,224.00 | 1,612.00 | 1,163.00 | 832.00 | 445.00 | 289.00 | 209.00 |
| Other Income | 2,978.00 | 2,526.00 | 1,697.00 | 1,034.00 | 994.00 | 1,421.00 | 706.00 | 462.00 | 388.00 | 810.00 | 5.00 | 2.00 |
| Interest | 9,524.00 | 8,052.00 | 5,398.00 | 3,780.00 | 2,688.00 | 2,585.00 | 2,377.00 | 1,607.00 | 827.00 | 496.00 | 395.00 | 282.00 |
| Depreciation | 272.00 | 259.00 | 225.00 | 185.00 | 140.00 | 104.00 | 89.00 | 62.00 | 53.00 | 6.00 | 9.00 | 7.00 |
| Profit before tax | 3,474.00 | 2,788.00 | 1,999.00 | 1,865.00 | 1,454.00 | 1,458.00 | 914.00 | 580.00 | 443.00 | 1,143.00 | 323.00 | 208.00 |
| Tax % | 24.00 | 24.00 | 23.00 | 23.00 | 22.00 | 20.00 | 26.00 | 34.00 | 34.00 | 28.00 | 34.00 | 33.00 |
| Net Profit | 2,641.00 | 2,106.00 | 1,535.00 | 1,428.00 | 1,130.00 | 1,171.00 | 675.00 | 382.00 | 292.00 | 822.00 | 212.00 | 140.00 |
| EPS in Rs | 35.30 | 28.29 | 22.93 | 21.42 | 17.94 | 18.75 | 11.09 | 6.53 | 5.11 | 14.46 | 23.99 | 15.90 |
| Dividend Payout % | 3.00 | 4.00 | 4.00 | 5.00 | 3.00 | 0.00 | 0.00 | 6.00 | 5.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 748.00 | 745.00 | 669.00 | 667.00 | 315.00 | 312.00 | 304.00 | 292.00 | 286.00 | 284.00 | 44.00 | 44.00 |
| Reserves | 19,225.00 | 16,422.00 | 11,890.00 | 10,311.00 | 7,199.00 | 5,963.00 | 4,073.00 | 2,871.00 | 1,995.00 | 1,703.00 | 965.00 | 767.00 |
| Other Liabilities | 5,291.00 | 4,751.00 | 4,205.00 | 3,575.00 | 2,988.00 | 2,307.00 | 1,267.00 | 1,424.00 | 989.00 | 674.00 | 502.00 | 346.00 |
| Total Liabilities | 191,797.00 | 157,846.00 | 109,426.00 | 90,216.00 | 69,078.00 | 51,591.00 | 42,143.00 | 32,623.00 | 18,833.00 | 9,781.00 | 6,294.00 | 4,035.00 |
| Fixed Assets | 881.00 | 825.00 | 784.00 | 707.00 | 609.00 | 477.00 | 438.00 | 440.00 | 380.00 | 36.00 | 24.00 | 19.00 |
| CWIP | 555.00 | 87.00 | 67.00 | 33.00 | 14.00 | 5.00 | 10.00 | 7.00 | 6.00 | 240.00 | 0.00 | 0.00 |
| Investments | 44,794.00 | 37,848.00 | 27,133.00 | 20,072.00 | 15,306.00 | 10,815.00 | 10,668.00 | 7,162.00 | 3,051.00 | 2,150.00 | 232.00 | 140.00 |
| Other Assets | 145,567.00 | 119,086.00 | 81,441.00 | 69,404.00 | 53,149.00 | 40,294.00 | 31,027.00 | 25,014.00 | 15,396.00 | 7,355.00 | 6,038.00 | 3,877.00 |
| Total Assets | 191,797.00 | 157,846.00 | 109,426.00 | 90,216.00 | 69,078.00 | 51,591.00 | 42,143.00 | 32,623.00 | 18,833.00 | 9,781.00 | 6,294.00 | 4,035.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 1,829.00 | 5,462.00 | 2,608.00 | 5,494.00 | 6,849.00 | 5,056.00 | 660.00 | 848.00 | 2,505.00 | -2,405.00 | -1,938.00 | -747.00 |
| Cash from Investing Activity | -5,090.00 | -4,780.00 | -4,855.00 | -4,320.00 | -4,753.00 | -990.00 | -1,267.00 | -2,305.00 | -1,890.00 | 552.00 | -33.00 | -23.00 |
| Cash from Financing Activity | 2,318.00 | 2,407.00 | -802.00 | 2,323.00 | -948.00 | -2,655.00 | 2,237.00 | 1,436.00 | 521.00 | 2,448.00 | 1,964.00 | 782.00 |
| Net Cash Flow | -943.00 | 3,090.00 | -3,049.00 | 3,497.00 | 1,147.00 | 1,412.00 | 1,629.00 | -21.00 | 1,136.00 | 596.00 | -7.00 | 12.00 |
| Free Cash Flow | 1,027.00 | 5,205.00 | 2,270.00 | 5,190.00 | 6,568.00 | 4,916.00 | 569.00 | 724.00 | 2,341.00 | -2,662.00 | -1,952.00 | -756.00 |
| CFO/OP % | 27.00 | 72.00 | 52.00 | 122.00 | 220.00 | 197.00 | 35.00 | 58.00 | 284.00 | -250.00 | -254.00 | -139.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
9 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 31 Jul 2026 | 31 Jul 2026 | — | 1.00 | |
| Dividend | 04 Jul 2025 | 04 Jul 2025 | — | 1.00 | |
| Dividend | 12 Jul 2024 | 12 Jul 2024 | — | 1.00 | |
| Dividend | 14 Jul 2023 | 14 Jul 2023 | — | 1.00 | |
| Dividend | 28 Jul 2022 | 30 Jul 2022 | — | 0.50 | |
| Bonus | 09 Jun 2022 | 10 Jun 2022 | 1:1 | — | |
| Dividend | 18 Jul 2019 | — | — | 0.75 | |
| Dividend | 30 Jul 2018 | — | — | 0.50 | |
| Other | 19 Sep 2017 | — | — | — | Annual General Meeting |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update30 May from crisil
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Rating update30 May from crisil
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Rating update30 May from crisil
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Rating update2 Apr from crisil
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Rating update27 Feb from crisil
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Rating update26 Feb from icra
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