AU Small Finance Bank Ltd

Banks - Private Sector

NSE: AUBANK Mid Cap ISIN: INE949L01017
As on 13 November 2024 at 00:00
As on 13 November 2024 at 00:00
560.80
-18.45
(-3.19%)
Over 1 Month
-17.37%
Over 6 Months
-8.61%
Over 1 Year
-18.19%
Over 3 Years
-4.75%
Summary
Close 560.80
Open 576.65
High 578.95
Low 557.25
Volume 47,88,121
Net Turnover 2,70,88,92,359.50
52 Week High 813.40
52 Week Low 553.70
52Wk High / Low
553.70
813.40
Key Financial Data
Market Cap (in ₹ Cr) 41,710.17
EPS 25.31
Book Value (BV) 214.43
Div. Yield 0.16
P/E 22.18
Price/Book Value 2.62
Delivery % 47.88
Face Value 10
Key Ratios
P/E ratio 24.66
P/B ratio 3.03
EV to Sales 11.76
PEG Ratio 3.50
ROA 1.54
ROE 13.04
Debt-Equity 7.15
Net Profit Margin 12.48
Operating Profit Margin -

Peer Comparison

Company LTP Market Cap (in ₹ Cr)
AU Small Finance Bank Ltd ₹561.25 ₹41,743.64
HDFC Bank Ltd ₹1,681.25 ₹12,84,741.90
ICICI Bank Ltd ₹1,253.85 ₹8,84,610.82
State Bank of India ₹808.35 ₹7,21,421.66
Axis Bank Ltd ₹1,141.15 ₹3,53,081.78
Kotak Mahindra Bank Ltd ₹1,688.25 ₹3,35,651.81

News

AU Small Finance Bank Ltd drops for fifth straight session

AU Small Finance Bank Ltd is quoting at Rs 577.9, down 0.47% on the day as on 12:59 IST on the NSE. The stock tumbled 18.38% in last one year as compared to a 24.11% rally in NIFTY and a 18.26% spurt in the Nifty Bank index.

11 Nov 2024

AU Small Finance Bank Ltd soars 1.37%

AU Small Finance Bank Ltd is quoting at Rs 625.8, up 1.37% on the day as on 12:49 IST on the NSE. The stock is down 7.14% in last one year as compared to a 22.95% spurt in NIFTY and a 17.16% spurt in the Nifty Bank index.

04 Nov 2024

AU SFB gains after Q2 PAT climbs 45% YoY to Rs 571 cr

AU Small Finance Bank (SFB) advanced 2.77% to Rs 669.55 after the company's net profit jumped 42.15% to Rs 571.21 crore in Q2 FY25 as compared with Rs 401.83 crore in Q2 FY24.

24 Oct 2024

AU Small Finance Bank Ltd drops for fifth straight session

AU Small Finance Bank Ltd is quoting at Rs 686.8, down 0.52% on the day as on 13:19 IST on the NSE. The stock tumbled 3.18% in last one year as compared to a 27.32% rally in NIFTY and a 16.87% spurt in the Nifty Bank index.

14 Oct 2024

AU Small Finance Bank schedules board meeting

On 23 October 2024

09 Oct 2024

Financials

Profit and Loss

Particulars (in ₹ Cr.) FY 2024 FY 2023 FY 2022 FY 2021 FY 2020
Total Revenue 12,300.61 9,239.87 6,915.43 6,370.98 4,991.98
Total Expenses 10,301.18 7,375.23 5,461.35 4,912.48 4,078
Profit Before Tax 1,999.43 1,864.65 1,454.07 1,458.50 913.97
Profit After Tax 1,534.72 1,427.93 1,129.83 1,170.68 674.78
Operating Profit after Depreciation 1,999.43 1,864.65 1,454.07 1,458.50 913.97

Balance Sheet

Particulars (in ₹ Cr.) FY 2024 FY 2023 FY 2022 FY 2021 FY 2020
Fixed Assets 784.13 707.29 608.67 477.37 438.26
TOTAL ASSETS 1,09,425.67 90,216.12 69,077.80 51,591.31 42,143.07
Total Shareholder's Fund 12,559.53 10,977.34 7,514.01 6,275.22 4,376.81

Cash Flow

Particulars (in ₹ Cr.) FY 2024 FY 2023 FY 2022 FY 2021 FY 2020
Net Cash from Operating Activities 2,608.07 5,493.64 6,848.98 5,056.10 659.57
Net Cash used in Investing Activities -4,854.76 -4,319.50 -4,753.37 -989.74 -1,267.45
Net Cash used in Financing Activities -802.15 2,322.52 -948.44 -2,654.70 2,237.36

Corporate Actions

AU Small Finance Bank Ltd

₹1/Share

Announcement Date 12 Jul 2024
Record Date 12 Jul 2024
Div Yield 10%

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.

FAQ’s

What is the share price of AU Small Finance Bank Ltd today?
AU Small Finance Bank Ltd share price as on 13 Nov 2024 is ₹560.8
What is the Market Cap of AU Small Finance Bank Ltd?
The market cap of AU Small Finance Bank Ltd stock is ₹41,710.17 Cr.
What is the PE Ratio of AU Small Finance Bank Ltd?
The Price to Earnings (P/E) Ratio of AU Small Finance Bank Ltd is 24.66
What is the PB Ratio of AU Small Finance Bank Ltd?
The Price to Book (P/B) Ratio of AU Small Finance Bank Ltd is 3.03
What is the 52 week high of AU Small Finance Bank Ltd?
The 52 week high of AU Small Finance Bank Ltd is ₹813.40
What is the 52 week low of AU Small Finance Bank Ltd?
The 52 week low of AU Small Finance Bank Ltd is ₹553.70

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