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Discovery themes featuring this stockBearish
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Discovery themes featuring this stock
AU Small Finance Bank is a retail‑focused Indian bank that provides a full-suite of financial services including secured retail loans (Wheels, Micro Business Loans, Mortgages, Gold), digital unsecured products (credit cards, personal loans), deposits, transaction banking and treasury operations, operating pan‑India with ~2,790 touchpoints and a customer base of 122+ million as of Mar’26.
The bank closed FY26 strongly: deposits grew 23% YoY to ₹1.52 lakh crore, gross loan portfolio grew 21% YoY to ₹1.40 lakh crore, and FY26 PAT rose 25% to ₹2,641 crore, supported by NIM expansion in Q4, cost declines, and lower credit costs compared to FY25, reflecting a recovery across unsecured and secured portfolios.
AU Small Finance Bank is executing an enterprise AI transformation: it launched an agentic AI platform with end‑to‑end guardrails and governance, deployed an AI-native loan origination system for gold loans, and is layering AI across underwriting, AML, collections and customer 360 capabilities—signaling aggressive, strategic technology adoption to drive scale and operating leverage.
Asset quality metrics have normalized materially: GNPA fell to 2.03% and NNPA to 0.74% in Q4’FY26 with PCR at ~85%, while FY26 credit cost was ~0.96% of average assets; management attributes improvement to lower slippages, recoveries and normalization in unsecured segments, though it cautions seasonality in Q4.
The bank is pursuing universal bank conversion (in‑principle approval already received and final application filed) and has secured leadership continuity with MD & CEO reappointment; this regulatory transition, combined with distribution build and brand investments, could expand AU Small Finance Bank’s addressable deposit and corporate banking markets.
Banks
Other Bank
78,135 Cr
High Risk
27.4
12.3
0.7
4.0
1,144.65
703.85
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
1041.00 | 78,135 Cr | 27.35 | 3.96 | 0.10 | 14.30 | 7.07 | 1.57 | ||
65.00 | 12,666 Cr | 13.98 | 1.88 | 0.00 | 13.29 | 7.53 | 1.37 | ||
74.61 | 8,417 Cr | 16.49 | 1.37 | 0.00 | 8.33 | 6.83 | 0.18 | ||
528.90 | 5,576 Cr | 14.68 | 1.26 | 0.00 | 8.49 | 6.78 | 0.79 | ||
14.17 | 2,522 Cr | -2.67 | 0.91 | 0.00 | -34.06 | 2.26 | -4.16 | ||
38.56 | 2,013 Cr | -394.77 | 1.13 | 0.00 | -0.29 | 6.12 | -0.60 | ||
146.65 | 1,558 Cr | 8.12 | 0.75 | 1.02 | 9.23 | 6.91 | 0.89 | ||
| Median: 7 Co. | — | 74.61 | 5,576 Cr | 13.98 | 1.26 | 0.00 | 8.49 | 6.83 | 0.79 |
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AU Small Finance Bank Ltd (AUBANK) is currently trading at 1,041.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
AU Small Finance Bank is a retail‑focused Indian bank that provides a full-suite of financial services including secured retail loans (Wheels, Micro Business Loans, Mortgages, Gold), digital unsecured products (credit cards, personal loans), deposits, transaction banking and treasury operations, operating pan‑India with ~2,790 touchpoints and a customer base of 122+ million as of Mar’26. The bank closed FY26 strongly: deposits grew 23% YoY to ₹1.52 lakh crore, gross loan portfolio grew 21% YoY to ₹1.40 lakh crore, and FY26 PAT rose 25% to ₹2,641 crore, supported by NIM expansion in Q4, cost declines, and lower credit costs compared to FY25, reflecting a recovery across unsecured and secured portfolios. AU Small Finance Bank is executing an enterprise AI transformation: it launched an agentic AI platform with end‑to‑end guardrails and governance, deployed an AI-native loan origination system for gold loans, and is layering AI across underwriting, AML, collections and customer 360 capabilities—signaling aggressive, strategic technology adoption to drive scale and operating leverage. Asset quality metrics have normalized materially: GNPA fell to 2.03% and NNPA to 0.74% in Q4’FY26 with PCR at ~85%, while FY26 credit cost was ~0.96% of average assets; management attributes improvement to lower slippages, recoveries and normalization in unsecured segments, though it cautions seasonality in Q4. The bank is pursuing universal bank conversion (in‑principle approval already received and final application filed) and has secured leadership continuity with MD & CEO reappointment; this regulatory transition, combined with distribution build and brand investments, could expand AU Small Finance Bank’s addressable deposit and corporate banking markets.
Over the past 52 weeks, AU Small Finance Bank Ltd has traded between a low of ₹703.85 and a high of ₹1,144.65. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
AU Small Finance Bank Ltd has a market capitalization of approximately 78,135.18. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
AU Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 27.35 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 78,135.18 Cr, AU Small Finance Bank Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
AU Small Finance Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of AU Small Finance Bank Ltd is 27.35. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Shareholders approved a final dividend of ₹1 per equity share for FY26 at the 31st AGM held on September 5, 2026.
The bank reported profit after tax of ₹796 crore for Q1FY27, a 37% year-on-year increase.
The bank has scheduled its board meeting for July 25, 2026 to consider the audited financial results for the quarter ended June 30, 2026.
The bank reported total deposits of ₹1,57,730 crore (up 23.5% YoY) and a gross loan portfolio of ₹1,44,250 crore including securitised/assigned and IBPC exposure (up 22.6% YoY).
