AU Small Finance Bank Limited

NSE: AUBANK BSE: 540611 SECTOR: Financial Services - Banks

1017 5(1%)

Near 52W High of 1080

Volume

27L as on 26, May

Open

804

High

571

Low

562

1,012

VWAP

1,012

52 Week High

1,080

52 Week Low

551

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

76,136

No. of Shares

74.8

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 Week5%

1 Month4%

3 Months5%

6 Months7%

1 Year45%

YTD2%

Moving Average

5 Day SMA986

10 Day SMA987

20 Day SMA1,004

30 Day SMA1,008

50 Day SMA965

61 Day SMA965

80 Day SMA972

200 Day SMA902

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,031	1,005	1,019	1,033
Resistance 2	1,019	1,003	1,011	1,020
Resistance 1	1,009	1,001	1,006	1,012
Pivot Point	998	999	998	999
Support 1	988	997	989	990
Support 2	976	995	984	978
Support 3	966	993	976	969

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
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
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
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
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
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	832 30% 1080	Value (Cr)	Q/T 64	Del 51	Del 371
1	27-May	1005	85	17	55	47
2	26-May	1012	273	37	42	115
3	25-May	999	150	21	50	74
4	22-May	978	152	32	50	76
5	21-May	959	130	30	50	65
6	20-May	974	164	28	47	77
7	19-May	972	106	23	57	61
8	18-May	979	107	20	52	56
9	15-May	990	169	33	42	71
10	14-May	1005	129	22	53	69
11	13-May	995	116	22	51	60
12	12-May	1000	118	23	59	69
13	11-May	1021	121	26	54	65
14	8-May	1050	251	31	63	159
15	7-May	1032	171	31	56	96
16	6-May	1024	250	50	59	148
17	5-May	1007	160	27	58	93
18	4-May	1015	141	27	54	76
19	30-Apr	1016	184	32	45	83
20	29-Apr	1018	138	38	44	60
21	28-Apr	1023	614	53	33	201
22	27-Apr	1043	202	38	34	68
23	24-Apr	1066	451	47	58	262
24	23-Apr	1056	599	74	66	397
25	22-Apr	1043	214	34	44	95
26	21-Apr	1038	429	39	50	213
27	20-Apr	998	162	36	40	65
28	17-Apr	991	117	29	50	58
29	16-Apr	984	257	31	64	165
30	15-Apr	981	157	25	52	82
31	13-Apr	979	134	35	45	60
32	10-Apr	982	183	28	47	86
33	9-Apr	963	155	38	45	70
34	8-Apr	968	468	52	51	237
35	7-Apr	888	204	38	55	113
36	6-Apr	884	155	39	42	64
37	2-Apr	868	176	36	40	71
38	1-Apr	875	188	45	52	97
39	30-Mar	843	361	51	49	176
40	27-Mar	883	304	33	61	186
41	25-Mar	910	193	26	44	85
42	24-Mar	878	174	24	51	88
43	23-Mar	850	293	38	54	157
44	20-Mar	902	1004	111	69	696

Daily Market Cap

Date	Total Market Cap	Change	Chg %
27-May	76,136c	277c	0.37
26-May	75,859c	659c	0.88
25-May	75,200c	2,051c	2.80
22-May	73,149c	1,273c	1.77
21-May	71,876c	906c	1.24
20-May	72,782c	45c	0.06
19-May	72,737c	404c	0.55
18-May	73,141c	973c	1.31
15-May	74,115c	1,265c	1.68
14-May	75,380c	1,250c	1.69
13-May	74,130c	861c	1.15
12-May	74,990c	1,550c	2.02
11-May	76,540c	1,085c	1.40
07-May	77,625c	2,078c	2.75
06-May	75,547c	135c	0.18
05-May	75,682c	1,504c	1.95
04-May	77,186c	834c	1.09
30-Apr	76,351c	505c	0.67
29-Apr	75,846c	711c	0.93
28-Apr	76,557c	2,108c	2.68
24-Apr	78,665c	468c	0.59
23-Apr	79,133c	1,014c	1.30
22-Apr	78,119c	449c	0.58
21-Apr	77,670c	3,090c	4.14
20-Apr	74,580c	501c	0.68
17-Apr	74,078c	760c	1.04
16-Apr	73,319c	617c	0.83
15-Apr	73,936c	0	0

Stock Checklist

Price is above from 52 week high low average: 76%

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

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