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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
78,628 Cr
Moderate Risk
29.8
12.9
0.7
4.0
1,079.65
655.00
Sales CAGR
Profit CAGR
ROE
ROCE
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AU Small Finance Bank Ltd (AUBANK) is currently trading at 1,048.00 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 ₹655.00 and a high of ₹1,079.65. 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 78,628.28. 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 29.77 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 78,628.28 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 29.77. 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.
The RBI approved Kotak Mahindra Bank, its subsidiaries, and their managed funds to hold an aggregate stake of up to 9.99% each in AU Small Finance Bank and Federal Bank.
The RBI allowed Kotak Mahindra Bank, its subsidiaries and funds managed by them to acquire an aggregate holding of up to 9.99% of AU SFB’s paid-up share capital or voting rights.
Net profit rose 65.15% YoY to ₹831.87 crore in Q4 FY26, compared with ₹503.7 crore in Q4 FY25.
AU Small Finance Bank reported a Q4FY26 net profit of ₹832 crore, up about 65% year-on-year.
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Discovery themes featuring this stock
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
1012.90 | 78,628 Cr | 29.77 | 3.98 | 0.00 | 13.22 | 6.78 | 1.57 | ||
62.61 | 12,131 Cr | 17.51 | 1.81 | 0.00 | 10.16 | 6.90 | 1.37 | ||
54.86 | 8,281 Cr | 80.33 | 1.35 | 0.00 | 1.68 | 5.83 | 0.18 | ||
390.00 | 4,785 Cr | 14.66 | 1.08 | 0.00 | 7.30 | 6.50 | 0.79 | ||
15.59 | 2,760 Cr | -2.88 | 0.84 | 0.00 | -40.10 | 2.36 | 0.09 | ||
163.00 | 1,916 Cr | 12.61 | 0.92 | 0.00 | 7.31 | 6.34 | 0.89 | ||
29.41 | 1,517 Cr | -9.11 | 0.85 | 0.00 | -9.31 | 5.21 | -0.60 | ||
| Median: 7 Co. | — | 62.61 | 4,785 Cr | 14.66 | 1.08 | 0.00 | 7.30 | 6.34 | 0.79 |
RBI approval
RBI letter dated May 6, 2026 permits Kotak Mahindra Bank (and its group) to acquire an aggregate holding of up to 9.99% of AU Small Finance Bank's paid-up share capital/voting rights, subject to statutory and regulatory compliance.
Regulatory approval
RBI (letter dated May 6, 2026) has approved Kotak Mahindra Bank and its group to acquire up to 9.99% of AU Small Finance Bank's paid-up share capital/voting rights, subject to statutory and regulatory compliances.
