AU Small Finance Bank Ltd Share Price

Banks

NSE: AUBANK Mid Cap ISIN: INE949L01017

As on 22 December 2025 at 02:40 IST

₹986.40

-1.25

(-0.13%)

Sell Buy

AU Small Finance Bank Q1 FY26 Results:

Net profit for the period rose 15.6% to ₹580.9 crores in Q1 FY26, from ₹502.6 crores in Q1 FY25. Total income for the quarter increased 21.3% year-on-year to ₹5,189.0 crores from ₹4,278.3 crores.

About AU Small Finance Bank Ltd

AU Small Finance Bank Ltd is a leading small finance bank in India, known for its comprehensive range of banking and financial services. It falls under the financial services sector, specifically within the sub-sector of small finance banks. The Chartered Accountant, Mr Sanjay Agarwal, founded the bank. It has been in business since 1996, initially starting as AU Financiers (India) Ltd, a non-banking financial company (NBFC) focused on vehicle finance. In 2017, it transitioned into a full-fledged small finance bank. The headquarters of the company is located in Jaipur, Rajasthan, India. +

Over 1 Month

7.34%

Over 6 Months

24.31%

Over 1 Year

76.89%

Over 3 Years

47.28%

AU Small Finance Bank Ltd Summary

Close ₹987.65

Open ₹991

High ₹993.05

Low ₹982.15

Volume 15,61,587

Net Turnover (in Cr) ₹154.24

52Wk High ₹1,007.25

52Wk Low ₹478.35

52Wk High / Low

478.35

1,007.25

AU Small Finance Bank Ltd Fundamentals

Key Financial Data

Market Cap (in Cr) ₹73,770.75

EPS (TTM) 29.10

Book Value (BV) 242.94

Div. Yield 0.10 %

P/E (TTM) 33.93

Price/Book Value 4.06

Delivery % 62.30 %

Face Value 10

Key Ratios

PE Ratio 18.88

PB Ratio 2.33

EV to Sales 10.35

PEG Ratio 0.81

ROA 1.53

ROE 14.17

Debt-Equity -

Net Profit Margin -

Operating Profit Margin -

AU Small Finance Bank Ltd Financials

Consolidated

Standalone

Yearly

Quarterly

Profit and Loss

Particulars (in ₹ Cr.)	FY 2017	FY 2016	FY 2015	FY 2014
Total Revenue	1,445.99	1,214.10	815.27	674.88
Total Expenses	959.60	840.86	574.39	525.84
Profit Before Tax	1,082.21	373.25	240.88	149.05
Profit After Tax	760.85	245.06	162.12	100.64
Operating Profit After Depreciation	486.39	373.25	240.88	149.05

Balance Sheet

Particulars (in ₹ Cr.)	FY 2017	FY 2016	FY 2015	FY 2014
Fixed Assets	116.02	30.38	24.47	22.78
Total Assets	9,811.70	7,932.81	4,822.73	3,376.62
Total Shareholder's Fund	1,987.59	1,066.55	837.59	649.17

Cash Flow

Particulars (in ₹ Cr.)	FY 2017	FY 2016	FY 2015	FY 2014
Net Cash From Operating Activities	884.30	-1,719.36	-1,124.94	-665.05
Net Cash Used In Investing Activities	-1,800.22	38.95	3.17	592.72
Net Cash Used In Financing Activities	1,021.53	1,958.48	1,153	-147.73

Profit and Loss

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Total Revenue	18,590.04	12,251.86	9,239.87	6,915.43	6,370.98
Total Expenses	15,801.99	10,252.43	7,375.23	5,461.35	4,912.48
Profit Before Tax	2,788.06	1,999.43	1,864.65	1,454.07	1,458.50
Profit After Tax	2,105.93	1,534.72	1,427.93	1,129.83	1,170.68
Operating Profit After Depreciation	2,788.06	1,999.43	1,864.65	1,454.07	1,458.50

Balance Sheet

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Fixed Assets	825.03	784.13	707.29	608.67	477.37
Total Assets	1,57,845.67	1,09,425.67	90,216.12	69,077.80	51,591.31
Total Shareholder's Fund	17,166.28	12,559.53	10,977.34	7,514.01	6,275.22

Cash Flow

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Net Cash From Operating Activities	5,462.41	2,608.07	5,493.64	6,848.98	5,056.10
Net Cash Used In Investing Activities	-4,779.63	-4,854.76	-4,319.50	-4,753.37	-989.74
Net Cash Used In Financing Activities	2,407.25	-802.15	2,322.52	-948.44	-2,654.70

No data available

Particulars (in ₹ Cr.)	2025-09	2025-06	2025-03	2024-12	2024-09
Total Revenue	-	-	-	-	-
Total Expenses	-	-	-	-	-
Profit Before Tax	728.89	778.90	657.15	703.23	758.78
Profit After Tax	-	-	-	-	-
Operating Profit after Depreciation	-	-	-	-	-

AU Small Finance Bank Ltd Technicals

Support and Resistance

S3 S2 S1 Pivot R1 R2 R3

S1 982.18

S2 976.72

S3 971.28

Pivot 987.62

R1 993.08

R2 998.52

R3 1,003.98

Moving Average

20 SMA 959.96

50 SMA 898.83

100 SMA 815.03

200 SMA 747.12

AU Small Finance Bank Ltd Corporate Actions

AU Small Finance Bank Ltd

₹1.0/Share

Announcement Date 04 Jul 2025

Record Date 04 Jul 2025

Div Yield 10%

AGM Date: 17 Aug 2021

Newspaper Advertisement for 26th Annual General Meeting through Video Conferencing/other Audio-Visual means ('VC/OAVM') facility Pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ('Listing Regulations'), we wish to inform that the Twenty Sixth (26th) Annual General Meeting ('AGM') of the Members of the Bank will be held on Tuesday, 17th August, 2021 at 10:30 A.M. (IST) through Video Conferencing ('VC')/Other Audio Visual Means ('OAVM') facility in compliance with the applicable provisions of the Companies Act, 2013, read with rules made thereunder, Listing Regulations and relevant Ministry of Corporate Affairs and SEBI Circulars. We submit herewith a copy of the Integrated Annual Report for FY 2020-21 including Notice convening the 26th AGM of the Bank. The Integrated Annual Report for FY 2020-21, Notice of the 26th AGM and Business Responsibility Report for the FY 2020-21 is also available on the website of the Bank www.aubank.in. (As Per BSE Announcement dated on 23.07.2021) 26th Annual General Meeting (AGM) of the members of AU Small Finance Bank Limited (the Bank) was held on Tuesday 17th August 2021 at 10:30 A.M (IST) through Video Conferencing (VC)/ Other Audio Visual Means (OAVM) facility in compliance with the applicable provisions of the Companies Act 2013 rules framed there under and the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 read with General Circular Nos. 14/2020 17/2020 20/2020 and 02/2021 dated 8th April 2020 13th April 2020 5th May 2020 and 13th January 2021 respectively issued by the Ministry of Corporate Affairs (MCA Circulars) and Circular Nos. SEBI/HO/CFD/CMD1/CIR/P/2020/79 and SEBI/HO/CFD 2/CIR/P/2021/11 dated 12th May 2020 and 15th January 2021 respectively issued by the SEBI (SEBI Circulars). Please find enclosed proceedings of AGM as required under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. (As Per BSE Announcement Dated on 8/18/2021 1:36:39 AM) Voting Results & Scrutinizers Report of 26th Annual General Meeting ('AGM') Of AU Small Finance Bank Limited ('The Bank') held on 17th August 2021. (As Per BSE Announcement Dated on 8/19/2021 4:43:08 AM)

AGM Date: 23 Aug 2022

This has reference to our letter dated 9th July, 2022 intimating about the Meeting of Board of Directors on 19th - 20th July, 2022 at Jaipur. Pursuant to Regulation 33 and 52(4) of Listing Regulations, we submit herewith a copy of Unaudited Financial Results for the Quarter ended on 30th June 2022, approved by the Board of Directors at its Meeting on 20th July, 2022, along with copy of Limited Review Report issued by the joint statutory auditors of the Bank. A copy of the press release of the Bank on the Unaudited Financial Results for the Quarter ended on 30th June 2022 is also enclosed. In terms of Regulation 30 & 42 of Listing Regulations, we hereby inform that the Board of Directors has, inter-alia, considered and approved the agenda items stated in the attached letter on 20thJuly, 2022. We wish to inform that the Twenty Seventh (27th) Annual General Meeting ('AGM') of the Members of the Bank will be held on Tuesday, 23rd August, 2022 at 4:00 P.M. (IST) through Video Conferencing ('VC')/Other Audio Visual Means ('OAVM') facility in compliance with the applicable provisions of the Companies Act, 2013, read with rules made thereunder, Listing Regulations and relevant Ministry of Corporate Affairs and SEBI Circulars. We submit herewith a copy of the Integrated Annual Report for FY 2021-22 including Notice convening the 27th AGM of the Bank. The Integrated Annual Report for FY 2021-22, Notice of the 27th AGM and Business Responsibility and Sustainability Report for the FY 2021-22 is also available on the website of the Bank www.aubank.in. Notice of AGM and Integrated Annual Report FY2021-22 is being sent to the Members, who have registered their e-mail addresses with Depositories, through electronic mode on today i.e. 31st July, 2022. (As Per BSE Announcement Dated on 31/07/2022) This is to inform you that the 27th Annual General Meeting ('AGM') of the members of AU Small Finance Bank Limited ('the Bank') was held on Tuesday, 23rd August, 2022 at 04:00 P.M. (IST) through Video Conferencing ('VC')/ Other Audio Visual Means ('OAVM') in compliance with the applicable provisions of the Companies Act, 2013 read with the rules framed there under, SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and various circulars issued by the Ministry of Corporate Affairs ('MCA Circulars') and the Securities and Exchange Board of India ('SEBI Circulars'). Please find enclosed proceedings of AGM as required under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Pursuant to Regulation 44(3) of the Listing Regulations, we hereby submit the Voting results of 27th AGM of the Shareholders of the Bank held on Tuesday, 23rd August, 2022 at 04:00 P.M. through Video Conferencing ('VC') or Other Audio Visual Means ('OAVM'), and Consolidated Scrutinizer's Report on remote e-voting & e-voting conducted at the AGM pursuant to Section 108 of the Companies Act, 2013 read with Rule 20 of the Companies (Management and Administration) Rules, 2014, as amended. We hereby inform that resolutions (both Ordinary and Special) have been passed by the Shareholders with requisite majority as mandated under Companies Act, 2013 and other applicable laws. Further, as required voting results will also be submitted in XBRL mode. This is for your information and records. (As Per BSE Announcement Dated on 24.08.2022) AU Small Finance Bank Ltd has informed BSE regarding the details of Voting results of AGM, under Regulation 44(3) of SEBI (LODR) Regulations, 2015. (As Per BSE Announcement Dated on 25.08.2022)

AGM Date: 10 Aug 2023

In continuation to the prior intimation of Board meeting submitted vide our letter dated June 23, 2023, it is hereby informed that the Board of Directors of AU Small Finance Bank Limited ('the Bank') at its Meeting held on Thursday, June 29, 2023 has inter-alia, considered and approved the agenda as mentioned in the attached letter. The meeting of Board of Directors commenced at 11:00 A.M and concluded at 02:15 P.M. Pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ('Listing Regulations'), we wish to inform that the Twenty Eighth (28th) Annual General Meeting ('AGM') of the Members of the Bank will be held on Thursday, August 10, 2023 at 4:00 P.M. (IST) through Video Conferencing/Other Audio Visual Means in compliance with the applicable regulatory provisions. We submit herewith a copy of the Integrated Annual Report for FY 2022-23 including Notice convening the 28th AGM of the Bank. The Integrated Annual Report, Notice of the 28th AGM and Business Responsibility and Sustainability Report for FY 2022-23 is also available on the website of the Bank at https://www.aubank.in/reports-and-presentation. Notice of AGM and Integrated Annual Report for FY 2022-23 is being sent to the Members, who have registered their e-mail addresses with Depositories/RTA, through electronic mode Today on July 18, 2023. (As Per BSE Announcement dated on 18.07.2023) We wish to inform you that the 28th Annual General Meeting (AGM) of AU Small Finance Bank Limited ('the Bank') was held on August 10, 2023 at 04:00 P.M. (IST) through Video Conferencing/Other Audio-Visual means. Pursuant to Regulation 30 & 51 of Listing Regulations, we enclose herewith, the summary of proceedings of the AGM. Pursuant to Regulation 44 of the Listing Regulations, the Bank will disclose the combined results of e-voting, along with the Scrutinizer's report to the Stock Exchanges separately. The proceedings may also be accessed on the website of the Bank at the link: https://www.aubank.in/. (As Per BSE Announcement dated on 11.08.2023)

AGM Date: 26 Jul 2024

Holding of 29th AGM on Friday, July 26, 2024 through video conferencing or other audio visual means. We wish to inform you that the 29th Annual General Meeting (AGM) of AU Small Finance Bank Limited ('the Bank') was held on July 26, 2024 at 02:00 P.M. (IST) through Video Conferencing/Other Audio-Visual means. Pursuant to Regulation 30 & 51 of Listing Regulations, we enclose herewith, the summary of proceedings of the AGM. The Bank will submit the combined results of e-voting in compliance with Regulation 44 of the Listing Regulations, along with the Scrutinizer's report to the Stock Exchanges in due course. The proceedings may also be accessed on the website of the Bank at the link: https://www.aubank.in/. This is for your information and records. (As Per BSE Announcement Dated on: 26/07/2024) We hereby submit the voting results of 29th Annual General Meeting ('AGM') of the members of the Bank held on Friday, July 26, 2024 at 02:00 P.M. through Video Conferencing ('VC') or Other Audio Visual Means ('OAVM'), and Consolidated Scrutinizer's Report on remote e-voting & e-voting conducted at the AGM pursuant to Section 108 of the Companies Act, 2013 read with Rule 20 of the Companies (Management and Administration) Rules, 2014, as amended. We hereby inform that resolutions (Ordinary and Special) have been passed by the Shareholders with requisite majority as mandated under the Companies Act, 2013 and other applicable laws (As per BSE Announcement Dated on 30/07/2024)

AGM Date: 08 Aug 2025

In continuation to the prior intimation of Board meeting submitted vide our letter dated June 25, 2025, it is hereby informed that the Board of Directors of AU Small Finance Bank Limited ('the Bank') at its Meeting held on Saturday, June 28, 2025 has inter-alia, considered and approved the agendas mentioned in the attached outcome. Notice of 30th Annual General Meeting and Integrated Annual Report for FY 2024-25 of AU Small Finance Bank Limited In continuation to our letter dated June 28, 2025 informing about 30th Annual General Meeting of AU Small Finance Bank Limited to be held on Friday, August 8, 2025 through video conferencing or other audio visual means and pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we submit herewith a copy of the Integrated Annual Report for FY 2024-25 including Notice convening the 30th AGM of the Bank and Business Responsibility and Sustainability Report. The Notice of AGM and Integrated Annual Report for FY 2024-25 are being sent by e-mail to the members of the Bank who have registered their e-mail address with the Depositories/RTA. A letter providing the web-link, including the exact path, for accessing the Notice of AGM and Integrated Annual Report would be sent to those shareholders who have not registered their email address. A copy of the said letter is enclosed for your record. (As Per BSE Announcement Dated on: 16/07/2025) We submit herewith the copies of newspaper advertisement published by the Bank in all India edition of Financial Express in English and in Jaipur Edition of Nafa Nuksan in Hindi on July 17, 2025 regarding notice of the 30th Annual General Meeting (AGM) of the Bank to be held on Friday, August 8, 2025 at 4:00 P.M. through Video Conferencing ('VC')/ Other Audio Visual Means ('OAVM') and evoting information, in compliance with Section 108 of the Companies Act, 2013 read with Rule 20 of Companies (Management and Administration) Rules, 2014, as amended and Regulation 44 of the Listing Regulations. This will also be hosted on the website of the Bank at www.aubank.in. (As Per BSE Announcement Dated on :17.07.2025) We wish to inform you that the 30th Annual General Meeting (AGM) of AU Small Finance Bank Limited ('the Bank') was held on August 8, 2025 at 04:00 P.M. (IST) through Video Conferencing/Other Audio-Visual means. Pursuant to Regulation 30 and 51 of Listing Regulations, we enclose herewith, the summary of proceedings of the AGM. The Bank will submit the combined results of e-voting in compliance with Regulation 44 of the Listing Regulations, along with the Scrutinizer's report to the Stock Exchanges in due course. The proceedings will also be made available on the website of the Bank https://www.aubank.in/. (As Per BSE Announcement Dated on: 09/08/2025)

EGM Date: 27 Nov 2023

We submit herewith the Notice of Extraordinary General Meeting of AU Small Finance Bank Limited ('the Bank') scheduled to be held on Monday, November 27, 2023 at 3:00 P.M. (IST) at CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur - 302022, Rajasthan, India. The Notice and instruction for e-voting will also be available on the website of the Bank at https://www.aubank.in/investors/amalgamation-of-fincaresfb-into-ausfb and on the website of NSDL at www.evoting.nsdl.com. The results of voting shall be declared on or before Wednesday, November 29, 2023 and the same will be communicated to Stock Exchanges and will be uploaded on the website of the Bank at www.aubank.in. This is for your information and records. We submit herewith the copies of the newspaper advertisement published by the Bank in all editions of Financial Express in English and in Jaipur & Ajmer Edition of Punjab Kesari in Hindi on November 04, 2023 regarding Notice of Extraordinary General Meeting of the Bank scheduled to be held on Monday, November 27, 2023 at 3:00 P.M. (IST) at CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur - 302022, Rajasthan, India. The above may also be accessed on the website of the Bank at the link https://www.aubank.in/disclosures-under-regulation-46-of-the-lodr . This is for your information and records. (As per BSE Announcement Dated on 04/11/2023) In continuation to our letter dated November 4, 2023 & November 12, 2023, we submit herewith the copies of the 3rd newspaper advertisement published by the Bank in Financial Express in English and in Punjab Kesari in Hindi on November 18, 2023 regarding Notice of Extraordinary General Meeting of the Bank scheduled to be held on Monday, November 27, 2023 at 3:00 P.M. (IST) at CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur - 302022, Rajasthan, India. The above may also be accessed on the website of the Bank at the link https://www.aubank.in/disclosures-under-regulation-46-of-the-lodr. This is for your information and records. (As Per BSE Announcement Dated on 18/11/2023) In continuation to our letter dated November 4, 2023 & November 12, 2023 and November 18, 2023, we submit herewith the copies of the 4th newspaper advertisement published by the Bank in Financial Express in English and in Punjab Kesari in Hindi on November 25, 2023 regarding Notice of Extraordinary General Meeting of the Bank scheduled to be held on Monday, November 27, 2023 at 3:00 P.M. (IST) at CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur - 302022, Rajasthan, India. (As Per BSE Announcement Dated on 25/11/2023) In continuation to our earlier communication dated November 03, 2023 regarding notice for convening of Extraordinary General Meeting ('EGM') of AU Small Finance Bank Limited ('Bank'), we wish to inform that EGM of the Bank was held on Monday, November 27, 2023 at 3:00 P.M. (IST) at CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur - 302022, Rajasthan, India for considering and approving the Scheme of Amalgamation of Fincare Small Finance Bank Limited ('Transferor Company') into and with AU Small Finance Bank Limited ('Transferee Company') ('Scheme'). The resolution approving the Scheme was passed by the members of the Bank with requisite majority in number representing two-thirds in value through remote e-voting and voting during the EGM, in terms of Section 44A of the Banking Regulation Act, 1949 and RBI Master Direction- Amalgamation of Private Sector Banks, Directions, 2016. (As Per BSE Announcement Dated on 27/11/2023)

AU Small Finance Bank Ltd Peer Comparison

Company	Price	Market Cap (in Cr)
HDFC Bank Ltd	₹979.65	₹15,06,947.65
ICICI Bank Ltd	₹1,356.90	₹9,70,206.84
State Bank of India	₹977.70	₹9,02,477.48
Kotak Mahindra Bank Ltd	₹2,165.25	₹4,30,689.57
Axis Bank Ltd	₹1,229.70	₹3,81,728.71

AU Small Finance Bank Ltd Top Mutal Funds Invested

Fund Name	AUM
Invesco India Midcap Fund	5.67%
HDFC Mid Cap Fund	4.06%
Invesco India Large & Mid Cap Fund	3.52%
DSP Midcap Fund	2.89%
Nippon India Growth Mid Cap Fund	2.50%

AU Small Finance Bank Ltd News

AU Small Finance Bank Ltd soars 1.35%, up for third straight session

AU Small Finance Bank Ltd is quoting at Rs 993.8, up 1.35% on the day as on 12:49 IST on the NSE. The stock is up 77.99% in last one year as compared to a 6.61% jump in NIFTY and a 13.02% jump in the Nifty Bank index.

17 Dec 2025, 01:05 pm

AU SFB hits record high after Govt approves higher FDI limit

AU Small Finance Bank (SFB) added 2.88% to Rs 999.05 after the bank received an approval from Department of Financial Services, Ministry of Finance, to raise its foreign investment limit from 49% to 74%.

10 Dec 2025, 12:27 pm

AU Small Finance Bank allots 3.11 lakh equity shares under ESOP

24 Nov 2025, 06:41 pm

AU Small Finance Bank Ltd up for fifth session

AU Small Finance Bank Ltd is quoting at Rs 926, up 0.64% on the day as on 12:44 IST on the NSE. The stock is up 55.92% in last one year as compared to a 11.42% spurt in NIFTY and a 17.17% spurt in the Nifty Bank.

19 Nov 2025, 01:00 pm

AU Small Finance Bank Ltd rises for third consecutive session

AU Small Finance Bank Ltd is quoting at Rs 915.8, up 2.83% on the day as on 12:49 IST on the NSE. The stock is up 58.17% in last one year as compared to a 10.81% spurt in NIFTY and a 17.11% spurt in the Nifty Bank index.

17 Nov 2025, 01:05 pm

AU Small Finance Bank Ltd Stock Analysis

Annual revenue for AU Small Finance Bank Ltd increased by 51.73% to ₹18,590.04 crore in FY 2025 from ₹12,251.86 crore in FY 2024.
Annual Net Profit for AU Small Finance Bank Ltd increased by 37.22% to ₹2,105.93 crore in FY 2025 from ₹1,534.72 crore in FY 2024.
Promoter Shareholding in AU Small Finance Bank Ltd decreased by 0.12% in the most recent quarter, from 22.85% in June 2025 to 22.82% in September 2025.
AU Small Finance Bank Ltd delivered a 1-year return of 76.89% compared to the Nifty 50, which provided a return of 6.68% as of the last trading session.
AU Small Finance Bank Ltd share price moved down by 0.13% from its previous close of INR ₹987.65. The latest AU Small Finance Bank Ltd share price is INR ₹986.40.
AU Small Finance Bank Ltd share price today has been at a low of 972.70 and a high of 989.20. Over the past 52 weeks, the AU Small Finance Bank Ltd share price has seen a low of 478.35 and a high of 1,007.25.

About AU Small Finance Bank Ltd

AU Small Finance Bank Ltd is a leading small finance bank in India, known for its comprehensive range of banking and financial services. The bank offers a variety of products, including savings and current accounts, fixed deposits, and recurring deposits. It also provides loans and credit cards to meet the diverse financial needs of its customers. Besides, it provides digital banking services through its AU 0101 app. This makes banking accessible and convenient for its customers.
AU Small Finance Bank operates in the financial services sector. It focuses explicitly on the sub-sector of small finance banks. The bank has operated since 1996, founded initially as AU Financiers (India) Ltd. It began as a non-banking financial company (NBFC) specializing in vehicle finance. In 2017, it transitioned into a small finance bank.
AU Small Finance Bank's headquarters is in Jaipur, Rajasthan, India. Mr. Sanjay Agarwal, a merit-holder Chartered Accountant, founded the bank. He is also a first-generation entrepreneur. He continues to be a key promoter with a 15.76% stake in the company and a driving force behind the bank’s growth and success. A team of professional managerial promoters manages the operations of the company-

H R Khan
Uttam Tibrewal
Mankal Shankar Sriram
Divya Sehgal

The main products offered by AU Small Finance Bank include savings and current accounts, fixed and recurring deposits, various types of loans (such as vehicle loans, home loans, and personal loans), and credit cards. The bank also provides innovative digital banking solutions, enhancing customer experience and accessibility.
While AU Small Finance Bank holds a prominent position in the small finance banking sector, it is not the largest by market share. Additionally, it does not lead in terms of market capitalization. However, it is recognized as India’s largest tech-led small finance bank. This highlights its strong focus on using technology to enhance banking services.
AU Small Finance Bank Ltd is a prominent small finance bank in India, offering various banking and financial services. The registered office of AU Small Finance Bank is in Jaipur, Rajasthan, and the registrar's office is in Mumbai, Maharashtra.

Importance of AU Small Finance Bank Limited

AU Small Finance Bank Ltd plays a crucial role in India’s financial landscape, particularly in small finance banking. Established in 1996 as AU Financiers (India) Ltd, the company transitioned into a small finance bank in 2017. This transformation marked a significant milestone, enabling the bank to offer a broader range of financial services and reach a wider customer base.
One of the primary reasons for the importance of the AU Small Finance Bank is its focus on financial inclusion. The bank aims to provide banking services to underserved and unbanked populations, particularly in rural and semi-urban areas. This focus helps bridge the gap between urban and rural financial services. It ensures that more people have access to essential banking facilities.
AU Small Finance Bank’s emphasis on technology and innovation sets it apart from many traditional banks. The bank leverages digital platforms to offer convenient and accessible banking services. Its AU 0101 app, for instance, allows customers to perform a wide range of banking transactions from their mobile devices. This digital approach enhances the customer experience by making banking more accessible and convenient. It also ensures that services reach a broader audience, including those in remote areas.
The bank’s comprehensive range of products and services is another factor that underscores its importance. AU Small Finance Bank offers various deposit products, such as savings accounts and recurring deposits. Additionally, the bank provides a wide array of loan products, including vehicle loans and business loans.
AU Small Finance Bank’s commitment to customer-centric banking is evident in its personalized services. The bank focuses on understanding the unique needs of its customers and providing tailored solutions. This approach helps build strong relationships with customers, fostering trust and loyalty.
The role of AU Small Finance Bank in supporting small and medium-sized enterprises (SMEs) is particularly noteworthy. SMEs are vital to India’s economy, contributing significantly to employment and economic growth. The bank provides various financial products and services designed to support the growth and development of SMEs. These include business loans, working capital loans, and equipment financing.
The bank’s commitment to corporate social responsibility (CSR) further highlights its importance. AU Small Finance Bank engages in various CSR activities aimed at improving the quality of life in the communities it serves. These initiatives include education programs, healthcare services, and environmental sustainability projects.
AU Small Finance Bank’s financial performance and growth trajectory underscore its significance. The bank has consistently grown in its financial metrics, including deposits, advances, and profitability. This solid financial performance highlights the bank’s capability to manage its operations efficiently. It also demonstrates the bank's ability to achieve sustainable growth over time. The bank’s robust financial health ensures it can continue expanding its services and reaching more customers.