AU Small Finance Bank Ltd.
NSE: AUBANK · Other Bank
Snapshot
Unlock AU Small Finance Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
AU Small Finance Bank is a Jaipur-based financial institution providing a comprehensive range of retail and wholesale banking services. It serves a diverse client base through a network of branches, ATMs, and digital banking platforms.
Business Model
The bank generates revenue primarily through net interest income from a wide array of loan products, including vehicle, home, and business loans. It also earns fee-based income through insurance distribution, mutual funds, and various merchant payment services.
- Bank Branches:692
- ATMs:514
Growth Outlook
Growth is driven by the expansion of its retail banking footprint and the diversification of its loan portfolio into agriculture and government banking services. The bank continues to leverage its digital infrastructure to enhance customer acquisition and service delivery.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers in its retail and commercial vehicle loan segments default on their repayment obligations.
- Regulatory Risk. As a small finance bank, it is subject to stringent Reserve Bank of India regulations regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in market interest rates may impact the bank's net interest margins and the cost of funds.
- Economic Sensitivity. The bank's performance is closely tied to the broader economic environment in India, particularly the health of the MSME and rural sectors.
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Key Metrics
REVENUE
₹17,888 Cr
TTM · standalone
NET PROFIT
₹3,153 Cr
TTM · standalone
EPS
₹42.14
TTM · standalone
RETURN ON EQUITY
14.5%
TTM · standalone
P/E
21.1×
Q2 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
AU Small Finance Bank Ltd.AUBANK | ₹64,886 Cr | 21.1× | — | 22.3% | — | 14.5% | — | +1.4% |
Ujjivan Small Finance Bank LimitedUJJIVANSFB | ₹10,358 Cr | 9.5× | — | — | — | 15.3% | — | +8.3% |
Equitas Small Finance Bank LimitedEQUITASBNK | ₹6,131 Cr | 8.7× | — | — | — | 10.7% | — | -5.6% |
Jana Small Finance Bank LimitedJSFB | ₹3,950 Cr | 8.5× | — | — | — | 10.3% | — | -17.3% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,191 Cr | -3.5× | — | — | — | — | — | +44.2% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,039 Cr | -1.7× | — | — | — | 18.5% | — | -41.0% |
As of Q3 FY26
Financials
AU Small Finance Bank Ltd.
NSE: AUBANK · Other Bank
Snapshot
Unlock AU Small Finance Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
AU Small Finance Bank is a Jaipur-based financial institution providing a comprehensive range of retail and wholesale banking services. It serves a diverse client base through a network of branches, ATMs, and digital banking platforms.
Business Model
The bank generates revenue primarily through net interest income from a wide array of loan products, including vehicle, home, and business loans. It also earns fee-based income through insurance distribution, mutual funds, and various merchant payment services.
- Bank Branches:692
- ATMs:514
Growth Outlook
Growth is driven by the expansion of its retail banking footprint and the diversification of its loan portfolio into agriculture and government banking services. The bank continues to leverage its digital infrastructure to enhance customer acquisition and service delivery.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers in its retail and commercial vehicle loan segments default on their repayment obligations.
- Regulatory Risk. As a small finance bank, it is subject to stringent Reserve Bank of India regulations regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in market interest rates may impact the bank's net interest margins and the cost of funds.
- Economic Sensitivity. The bank's performance is closely tied to the broader economic environment in India, particularly the health of the MSME and rural sectors.
Start your research today
Unlock AI insights, financials, peers and live data on AU Small Finance Bank Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹17,888 Cr
TTM · standalone
NET PROFIT
₹3,153 Cr
TTM · standalone
EPS
₹42.14
TTM · standalone
RETURN ON EQUITY
14.5%
TTM · standalone
P/E
21.1x
Q2 FY27 · standalone
NET PROFIT MARGIN
14.1%
Q3 FY26 · standalone
Peers · Other Bank
As of Q3 FY26