AU Small Finance Bank Limited

Web: aubank.in NSE: AUBANK BSE: 540611 SECTOR: Financial Services - Banks

970 10(-1%)

Volume

14L as on 22, Jul

Open

1,051

High

1,066

Low

1,047

980

VWAP

987

52 Week High

1,090

52 Week Low

682

Viand Research Rating

Quality Score

41/100

Growth Score

14/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

72,681

No. of Shares

74.9

P/E

29.96

P/B

3.94

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

13.14

ROCE

Profit Growth

Listing Date

10-Jul-17

Promoter Holding

22.76%

FII Holding

37.27%

DII Holding

31.3%

Price Chart

Price Performance

1 Week6%

1 Month6%

3 Months6%

6 Months2%

1 Year33%

YTD2%

Moving Average

5 Day SMA1,008

10 Day SMA1,030

20 Day SMA1,040

30 Day SMA1,032

50 Day SMA1,012

61 Day SMA1,015

80 Day SMA999

200 Day SMA958

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,022	1,007	1,014	1,023
Resistance 2	1,014	1,006	1,009	1,015
Resistance 1	1,009	1,004	1,006	1,010
Pivot Point	1,001	1,003	1,001	1,002
Support 1	996	1,002	996	998
Support 2	989	1,001	993	989
Support 3	983	1,000	989	985

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 22.76%	(0.01) 22.79%	(0.01) 22.82%	(0.01) 22.85%	(0.01) 22.87%	(0.01) 22.89%	(0.01) 22.91%	(-2.51) 22.92%	(0.01) 25.45%	(0.01) 25.47%	(-0.11) 25.48%	(0.01) 25.53%	(0.01) 25.54%	(0.01) 25.55%	(-2.61) 25.59%	(0.01) 28.21%	(-0.11) 28.23%	(-0.11) 28.33%	(0.01) 28.39%
FIIs	(0.81) 37.27%	(2.01) 36.45%	(-3.21) 34.50%	(2.11) 37.68%	(-3.81) 35.58%	(-1.41) 39.34%	(1.11) 40.71%	(0.21) 39.58%	(-1.81) 39.37%	(-0.51) 41.13%	(0.01) 41.64%	(1.91) 41.61%	(0.11) 39.74%	(1.11) 39.61%	(3.51) 38.55%	(0.81) 35.07%	(1.11) 34.31%	(0.81) 33.21%	(0.01) 32.45%
DIIs	(0.01) 31.30%	(-0.61) 31.27%	(3.11) 31.91%	(1.71) 28.86%	(5.41) 27.16%	(1.71) 21.78%	(1.71) 20.13%	(-4.31) 18.44%	(2.01) 22.77%	(1.31) 20.81%	(0.31) 19.56%	(-1.41) 19.25%	(0.01) 20.62%	(-0.61) 20.64%	(2.91) 21.28%	(-0.41) 18.41%	(-1.21) 18.79%	(-0.91) 20.00%	(0.01) 20.90%
Public	8.67%	9.51%	10.78%	10.59%	14.39%	15.99%	16.23%	19.06%	12.40%	12.63%	13.31%	13.63%	14.09%	14.21%	14.58%	18.31%	18.67%	18.46%	18.26%
No. of Shareholders	167,443	181,635	191,508	190,119	192,987	189,495	174,101	195,762	230,172	155,660	159,037	163,552	170,109	179,082	188,507	177,400	149,884	142,821	144,197

Quarterly Results

	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022
Sales	4511	4378	4271	4113	3911	3769	2830	2736	2531	2458	2275	2118	1992
Sales Growth % (YoY)	15.4%	16.2%	50.9%	50.4%	54.5%	53.3%	24.4%	29.2%	27%	35.1%	36.5%	41.5%	41.8%
Sales Growth % (QoQ)	3%	2.5%	3.8%	5.2%	3.8%	33.2%	3.4%	8.1%	3%	8%	7.4%	6.3%	-
Expenses	2128	2076	2197	1938	1854	1761	1346	1269	1122	1048	1016	925	875
Operating Profit	16	-32	-104	85	121	160	-9	56	127	198	197	228	208
OPM %	0	-1	-2	2	3	4	0	2	5	8	9	11	10
Other Income	713	811	761	618	638	509	464	442	406	315	333	295	247
Interest	2367	2334	2177	2091	1936	1848	1492	1411	1282	1212	1062	965	909
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	729	779	657	703	759	669	455	498	533	513	530	523	456
Tax %	23	25	23	25	25	25	18	25	25	25	20	25	25
Net Profit	561	581	504	528	571	503	371	375	402	387	425	393	343
Net Profit Growth % (QoQ)	-3.4%	15.3%	-4.5%	-7.5%	13.5%	35.6%	-1.1%	-6.7%	3.9%	-8.9%	8.1%	14.6%	-
Net Profit Growth % (YoY)	-1.8%	15.5%	35.8%	40.8%	42%	30%	-12.7%	-4.6%	17.2%	-	-	-	-
TTM Net Profit	2174	2184	2106	1973	1820	1651	1535	1589	1607	1548	1161	736	0
EPS in Rs	7.52	7.79	6.77	7.1	7.68	6.76	5.54	5.61	6.01	5.8	6.37	5.89	5.15

Profit and Loss

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Sales	16064	10555	8205	5922	4950	4286	2949	1767	1429	1206	813	667
Sales Growth %	52%	29%	39%	20%	16%	45%	67%	38%	18.5%	48.4%	21.9%	-
Expenses	7491	4629	3410	2634	2224	1612	1163	832	422	339	227	201
Operating Profit	520	528	1016	601	142	296	180	109	476	375	252	148
OPM %	3	5	12	10	3	7	6	6	33	31	31	22
Other Income	2526	1697	1034	994	1421	706	462	388	612	8	-4	4
Interest	8052	5398	3780	2688	2585	2377	1607	827	531	492	334	317
Depreciation	259	225	185	140	104	89	62	53	6	10	8	4
Profit before tax	2788	1999	1865	1454	1458	914	580	443	1082	373	241	149
Tax %	24	23	23	22	20	26	34	34	30	34	33	32
Net Profit	2106	1535	1428	1130	1171	675	382	292	762	247	163	101
Net Profit Growth %	37.2%	7.5%	26.4%	-3.5%	73.5%	76.7%	30.8%	-61.7%	208.5%	51.5%	61.4%	-
EPS in Rs	28.29	22.93	21.42	17.94	18.75	11.09	6.53	5.11	13.4	27.95	18.49	11.65
Dividend Payout %	4	4	5	3	0	0	6	5	0	0	0	0

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Cash from Operating Activity	5462	2608	5494	6849	5056	660	848	2505	884	-1719	-1125	-665
Cash from Investing Activity	-4780	-4855	-4320	-4753	-990	-1267	-2305	-1890	-1800	39	3	593
Cash from Financing Activity	2407	-802	2323	-948	-2655	2237	1436	521	1022	1958	1153	-148
Net Cash Flow	3090	-3049	3497	1147	1412	1629	-21	1136	106	278	31	-220

Balance Sheet

	Sep 2025	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Equity Capital	746	745	669	667	315	312	304	292	286	284	44	44	43
Reserves	17399	16422	11890	10311	7199	5963	4073	2871	1995	1703	1022	794	606
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	4568	4751	4205	3575	2988	2307	1267	1424	989	753	634	397	249
Total Liabilities	165542	157846	109426	90216	69078	51591	42143	32623	18833	9812	7933	4823	3377
Fixed Assets	1322	825	784	707	609	477	438	440	380	36	30	24	23
CWIP	0	87	67	33	14	5	10	7	6	240	0	0	0
Investments	38382	37848	27133	20072	15306	10815	10668	7162	3051	2150	89	65	65
Other Assets	125838	119086	81441	69404	53149	40294	31027	25014	15396	7386	7813	4733	3289
Total Assets	165542	157846	109426	90216	69078	51591	42143	32623	18833	9812	7933	4823	3377

OI Chart

Price

Delivery

#	Date	941 16% 1090	Value (Cr)	Q/T 51	Del 57	Del 403
1	22-Jul	980	140	34	52	73
2	21-Jul	1003	108	25	56	61
3	20-Jul	993	339	33	53	179
4	17-Jul	1030	77	26	51	39
5	16-Jul	1035	63	23	47	29
6	15-Jul	1041	48	15	38	19
7	14-Jul	1038	104	33	53	55
8	13-Jul	1060	83	22	47	39
9	10-Jul	1072	158	22	55	87
10	9-Jul	1047	114	34	58	66
11	8-Jul	1039	189	23	55	103
12	7-Jul	1067	117	17	52	61
13	6-Jul	1061	477	43	52	248
14	3-Jul	1058	185	26	48	89
15	2-Jul	1057	132	23	51	67
16	1-Jul	1051	186	35	55	102
17	30-Jun	1037	207	34	44	91
18	29-Jun	1030	1050	78	75	788
19	25-Jun	1034	238	22	50	118
20	24-Jun	1067	520	21	64	335
21	23-Jun	1026	104	25	59	61
22	22-Jun	1045	183	34	69	127
23	19-Jun	1033	148	38	55	82
24	18-Jun	1025	93	35	54	50
25	17-Jun	1021	70	24	48	33
26	16-Jun	1023	119	30	46	55
27	15-Jun	1034	184	31	48	89
28	12-Jun	1016	406	87	54	217
29	11-Jun	963	146	31	55	80
30	10-Jun	959	169	58	60	101
31	9-Jun	978	86	39	49	42
32	8-Jun	959	134	41	52	70
33	5-Jun	969	194	35	45	88
34	4-Jun	962	145	31	62	90
35	3-Jun	971	228	36	57	130
36	2-Jun	976	78	25	38	30
37	1-Jun	969	151	30	54	81
38	29-May	985	501	53	66	332
39	27-May	1005	85	17	55	47
40	26-May	1012	273	37	42	115
41	25-May	999	150	21	50	74
42	22-May	978	152	32	50	76
43	21-May	959	130	30	50	65
44	20-May	974	164	28	47	77
45	19-May	972	106	23	57	61
46	18-May	979	107	20	52	56
47	15-May	990	169	33	42	71
48	14-May	1005	129	22	53	69

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	72,681c	749c	1.02
22-Jul	73,430c	1,499c	2.00
21-Jul	74,929c	2,098c	2.72
17-Jul	77,027c	450c	0.58
16-Jul	77,476c	862c	1.10
15-Jul	78,338c	30c	0.04
14-Jul	78,368c	1,158c	1.46
13-Jul	79,526c	944c	1.17
10-Jul	80,470c	2,037c	2.60
09-Jul	78,432c	509c	0.65
08-Jul	77,923c	2,067c	2.58
07-Jul	79,990c	599c	0.75
06-Jul	79,391c	172c	0.22
02-Jul	79,563c	1,071c	1.36
01-Jul	78,492c	933c	1.20
30-Jun	77,560c	1,187c	1.55
29-Jun	76,373c	1,406c	1.81
26-Jun	77,779c	176c	0.23
25-Jun	77,955c	1,977c	2.47
24-Jun	79,932c	3,017c	3.92
23-Jun	76,914c	955c	1.23
22-Jun	77,869c	416c	0.54
19-Jun	77,453c	760c	0.99
17-Jun	76,693c	169c	0.22
16-Jun	76,525c	741c	0.96
15-Jun	77,266c	1,060c	1.39
12-Jun	76,207c	3,706c	5.11
11-Jun	72,501c	281c	0.39
10-Jun	72,220c	0	0

Stock Checklist

Price is above from 52 week high low average: 41%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 1139 fund scheme(s) across 52 fund house(s) as of Jul26 · Total value ₹414,419 Cr · 271 increasing / 95 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	54	185.34%	+7.34%	54632.4
ICICI Prudential Asset Management Company Limited	19	8.95%	+12.37%	52149.7
HDFC Mutual Fund	62	18.82%	+4.16%	51394.5
SBI Mutual Fund	54	180.43%	+0.34%	37620
Kotak Mahindra Mutual Fund	54	24.95%	+6.68%	33451.1
Nippon India Mutual Fund	61	60.03%	+0.58%	30699
Aditya Birla Sun Life Mutual Fund	64	22.84%	+0.05%	24953.4
UTI Mutual Fund	51	25.34%	+0.94%	22360.3
Bandhan Mutual Fund	50	518.82%	+1.42%	18236.4
Tata Mutual Fund	24	100.68%	+0.13%	16032.1
Axis Mutual Fund	45	16.15%	+0.19%	14649.7
Invesco Mutual Fund	34	10.63%	-0.34%	9015.3
HSBC Mutual Fund	33	5.94%	+0.02%	8872.5
DSP Mutual Fund	44	5.68%	+0.06%	7072.3
Franklin Templeton Mutual Fund	33	65.93%	+8.56%	4549.2
Edelweiss Mutual Fund	35	8.50%	-	4082.7
LIC Mutual Fund	14	246.90%	+0.42%	2982.5
Sundaram Mutual Fund	24	10.77%	+3.32%	2881.5
Canara Robeco Mutual Fund	17	15.55%	+0.63%	2062.8
PPFAS Mutual Fund	10	3.26%	+0.23%	2019.8
Mirae Asset Mutual Fund	32	3.39%	+0.46%	1832.1
Baroda BNP Paribas Mutual Fund	42	60.17%	+1.26%	1700.4
Motilal Oswal Mutual Fund	28	1.78%	-	1541.6
Union Mutual Fund	14	5.05%	+0.76%	1161.4
Bajaj Finserv Mutual Fund	10	5.78%	+4.09%	1072.7
JM Financial Asset Management Limited	5	9.02%	+0.13%	902.6
PGIM India Mutual Fund	26	2.19%	+0.01%	880.5
WhiteOak Capital Mutual Fund	18	3.78%	+3.41%	744.3
Jio BlackRock Mutual Fund	7	6.17%	-	727.4
quant Mutual Fund	10	3.70%	-	721
Bank of India Mutual Fund	22	7.12%	+0.01%	539
Franklin Templeton Asset Management (India) Private Limited	1	12.70%	+12.70%	466.4
Mahindra Manulife Mutual Fund	18	46.21%	+2.62%	429.3
JM Financial Mutual Fund	14	14.71%	+2.89%	407.9
Trust Mutual Fund	12	15.51%	+8.16%	296.9
The Wealth Company Mutual Fund	5	9.32%	-	233.8
ITI Mutual Fund	18	2.55%	+1.90%	167.4
Quantum Mutual Fund	4	92.53%	+12.27%	160.1
Shriram Mutual Fund	4	16.88%	-	154.3
Aditya Birla Sun Life AMC Limited	1	3.17%	+3.17%	98.1
PGIM India Asset Management Private Limite	4	7.08%	+6.46%	84.4
Navi Mutual Fund	8	5.89%	-	72
Groww Mutual Fund	16	36.17%	-	70.9
Abakkus Mutual Fund	4	7.69%	-	69.7
360 ONE Mutual Fund	8	5.46%	+0.21%	61.6
NJ Mutual Fund	2	4.90%	+0.43%	32.6
Sundaram Asset Management Company Ltd	2	9.43%	+9.91%	30.7
Samco Mutual Fund	12	5.78%	-0.19%	24.4
Zerodha Mutual Fund	4	0.67%	-0.03%	12.8
Capitalmind Mutual Fund	2	1.19%	-	8.9
Angel One Mutual Fund	2	0.26%	-	0.3
Unifi Mutual Fund	2	0.12%	-	-2.9

AU Small Finance Bank Limited

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Price Performance

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