AU Small Finance Bank Limited
AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Apr has averaged the highest return (+17.2%); Feb the lowest (-6.2%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.3%Neutral MonthJan 2026: -1.30% | -2.3%Negative MonthFeb 2026: -2.32% | -12.1%Negative MonthMar 2026: -12.09% | +20.7%Positive MonthApr 2026: +20.71% | -3.0%Negative MonthMay 2026: -2.96% | +5.1%Positive MonthJun 2026: +5.09% | +1.0%*Neutral MonthJul 2026: +1.04% | β | β | β | β | β |
| 2025 | +7.7%Positive MonthJan 2025: +7.75% | -5.9%Negative MonthFeb 2025: -5.92% | -5.6%Negative MonthMar 2025: -5.59% | +27.0%Positive MonthApr 2025: +26.99% | +2.2%Positive MonthMay 2025: +2.18% | +18.0%Positive MonthJun 2025: +17.98% | -9.4%Negative MonthJul 2025: -9.36% | -3.1%Negative MonthAug 2025: -3.12% | +1.9%Neutral MonthSep 2025: +1.88% | +20.0%Positive MonthOct 2025: +20.02% | +8.8%Positive MonthNov 2025: +8.81% | +4.1%Positive MonthDec 2025: +4.08% |
| 2024 | -19.1%Negative MonthJan 2024: -19.10% | -10.5%Negative MonthFeb 2024: -10.46% | -0.8%Neutral MonthMar 2024: -0.80% | +12.0%Positive MonthApr 2024: +12.00% | +3.0%Positive MonthMay 2024: +3.00% | +3.0%Positive MonthJun 2024: +2.97% | -3.9%Negative MonthJul 2024: -3.87% | +6.7%Positive MonthAug 2024: +6.67% | +7.4%Positive MonthSep 2024: +7.44% | -17.2%Negative MonthOct 2024: -17.25% | -4.8%Negative MonthNov 2024: -4.78% | -4.3%Negative MonthDec 2024: -4.30% |
| 2023 | -5.2%Negative MonthJan 2023: -5.20% | -4.2%Negative MonthFeb 2023: -4.17% | -2.4%Negative MonthMar 2023: -2.42% | +14.7%Positive MonthApr 2023: +14.67% | +16.9%Positive MonthMay 2023: +16.92% | -2.8%Negative MonthJun 2023: -2.83% | -3.2%Negative MonthJul 2023: -3.16% | -1.1%Neutral MonthAug 2023: -1.08% | -1.2%Neutral MonthSep 2023: -1.24% | -6.2%Negative MonthOct 2023: -6.17% | +10.6%Positive MonthNov 2023: +10.63% | +6.3%Positive MonthDec 2023: +6.28% |
| 2022 | +26.4%Positive MonthJan 2022: +26.42% | -8.1%Negative MonthFeb 2022: -8.07% | +3.4%Positive MonthMar 2022: +3.45% | +11.7%Positive MonthApr 2022: +11.71% | -10.2%Negative MonthMay 2022: -10.16% | -5.4%Negative MonthJun 2022: -5.42% | +0.1%Neutral MonthJul 2022: +0.08% | +7.1%Positive MonthAug 2022: +7.09% | -2.3%Negative MonthSep 2022: -2.29% | -4.8%Negative MonthOct 2022: -4.84% | +8.4%Positive MonthNov 2022: +8.36% | +2.3%Positive MonthDec 2022: +2.26% |
| 2021 | β | β | β | β | β | +4.1%Positive MonthJun 2021: +4.11% | +16.7%Positive MonthJul 2021: +16.73% | -6.6%Negative MonthAug 2021: -6.57% | +3.0%Positive MonthSep 2021: +2.99% | +3.9%Positive MonthOct 2021: +3.89% | -9.7%Negative MonthNov 2021: -9.68% | -5.2%Negative MonthDec 2021: -5.17% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 6 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ16.06 K Cr | β | βΉ2.11 K Cr | β | β | β | 52.2% | 37.2% |
| Mar 2024 | βΉ10.55 K Cr | β | βΉ1.53 K Cr | β | β | β | 28.6% | 7.5% |
| Mar 2023 | βΉ8.21 K Cr | β | βΉ1.43 K Cr | β | β | β | 38.6% | 26.4% |
| Mar 2022 | βΉ5.92 K Cr | β | βΉ1.13 K Cr | β | β | β | 19.6% | -3.5% |
| Mar 2021 | βΉ4.95 K Cr | β | βΉ1.17 K Cr | β | β | β | 15.5% | 73.5% |
| Mar 2020 | βΉ4.29 K Cr | β | βΉ675.00 Cr | β | β | β | 45.3% | 76.7% |
| Mar 2019 | βΉ2.95 K Cr | β | βΉ382.00 Cr | β | β | β | 66.9% | 30.8% |
| Mar 2018 | βΉ1.77 K Cr | β | βΉ292.00 Cr | β | β | β | 38.0% | -64.5% |
| Mar 2017 | βΉ1.28 K Cr | β | βΉ822.00 Cr | β | β | β | 26.7% | 287.7% |
| Mar 2016 | βΉ1.01 K Cr | β | βΉ212.00 Cr | β | β | β | 43.5% | 51.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 611 | 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 17,274 |
| Finance Costs | 289 | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 8,968 |
| Total Expenses | 184 | 209 | 289 | 445 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,629 | 7,491 | 8,340 |
| Financing Profit | 137 | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | -34 |
| Financing Margin % | 22% | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | -0% |
| Other Income | 4 | 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,902 |
| Depreciation & Amortisation | 3 | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 225 | 259 | 0 |
| Profit Before Tax | 138 | 208 | 323 | 1,143 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 | 2,788 | 2,868 |
| Tax % | 33% | 33% | 34% | 28% | 34% | 34% | 26% | 20% | 22% | 23% | 23% | 24% | - |
| Net Profit / PAT | 92 | 140 | 212 | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,174 |
| EPS (βΉ) | 10.68 | 15.90 | 23.99 | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 | 28.29 | 29.18 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 5% | 6% | 0% | 0% | 3% | 5% | 4% | 4% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| AU Small Finance Bank Limitedthis co. | βΉ72.69 K Cr | βΉ16.06 K Cr | 33.40 | 4.00 | 0.00 | 52.2% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
