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India• ISIN: INE949L01017
As of 18 Sept 2026, 03:30 pm
AU Small Finance Bank has appointed two new senior executives, Anil Agarwal and Amol Padhye, to its leadership team. These appointments are part of a strategic expansion aimed at strengthening operational capabilities and risk management. This move precedes the bank's planned transition into a universal bank, for which it has received in-principle approval from the Reserve Bank of India. The bank has eighteen months to complete this transition.
AU Small Finance Bank's vehicle loan portfolio crossed the ₹50,000-crore mark in assets under management by August 2026. This segment is the bank's largest lending business, accounting for nearly one-third of its overall loan portfolio. It serves over 13.7 lakh customers nationwide and is considered a vital growth avenue, supported by analytics and automation.
On September 8, 2026, the Reserve Bank of India (RBI) approved ICICI Prudential Asset Management Company Limited (along with its associated schemes and clients) to acquire an aggregate holding of up to 9.95% of AU Small Finance Bank's paid-up share capital or voting rights. This approval is subject to compliance with relevant banking, foreign exchange, and securities regulations.
As of September 18, 2026, AU Small Finance Bank has shown varied returns across different periods. The return for the last year (1Y) was 0.47, while the year-to-date (YTD) return was 0.06. Over the last six months (6M), the return was 0.14, and over three months (3M), it was 0.03. The return since the start of trading data available was 0.86.
On a daily timeframe as of September 18, 2026, the stock's Supertrend indicator is 'bearish' with a value of 1096.3, and the closing price is 1058.6. However, on a weekly and monthly timeframe, the Supertrend indicator is 'bullish', at 930.81 and 725.62 respectively, suggesting a divergence in trend across different timeframes.
As of 18 Sept 2026, 03:30 pm
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Recent drawdown and price variability remain within the producer's contained-risk thresholds.
Primary driver: Price swings are higher than typical
The session traded across a materially wider price range than usual.
Larger price swings can increase short-term uncertainty, especially if they continue.
The session opened materially below the previous close, indicating a sharp repricing at the open.
The price gap may increase short-term downside uncertainty and warrants review of the underlying context.
Trading activity was substantially higher than usual and the price closed higher.
This may reflect stronger-than-usual market participation; follow-through and relevant company or market news merit review.
Latest complete financial results for Q1 FY2027 and comparative quarterly trends.
| Metric | Q1 FY2026-27(Latest) | Q4 FY2025-26 | Q3 FY2025-26 | Q2 FY2025-26 | Q1 FY2025-26 |
|---|---|---|---|---|---|
| Interest Earned | PEAK₹5,302.74 crore | ₹5,019.15 crore | ₹4,727.47 crore | ₹4,511.28 crore | ₹4,378.44 crore |
| Other Income | ₹689.22 crore | ₹730.95 crore | ₹723.80 crore | ₹712.58 crore | PEAK₹810.61 crore |
| Interest Expended | PEAK₹2,607.24 crore | ₹2,436.82 crore | ₹2,386.20 crore | ₹2,366.87 crore | ₹2,333.77 crore |
| Employees Cost | PEAK₹1,063.92 crore | ₹1,044.91 crore | ₹1,019.01 crore | ₹918.71 crore | ₹865.53 crore |
| Other Operating Expenses | ₹885.32 crore | PEAK₹916.85 crore | ₹830.74 crore | ₹728.56 crore | ₹677.54 crore |
| Operating Profit Before Provision And Contingencies | PEAK₹1,435.47 crore | ₹1,351.52 crore | ₹1,215.31 crore | ₹1,209.72 crore | ₹1,312.21 crore |
Interest earned grew 21.1% year-on-year to ₹5,303 crore, while interest expended rose 11.7% to ₹2,607 crore. The faster growth in interest income led to a wider net interest spread. Revenue on investments, a separate line, increased 16.4% year-on-year to ₹751 crore and 6.1% sequentially.
Other income fell 15.0% year-on-year to ₹689 crore and 5.7% from the March quarter. The decline partially offset the gains from interest income. Combined interest earned and other income grew 15.5% year-on-year.
Net profit for the quarter was ₹796 crore, up 37% year-on-year but down 4.3% from the March quarter. Operating profit before provisions grew 6.2% sequentially, but provisions other than tax rose to ₹371 crore from ₹269 crore in the previous quarter, and tax expense increased to ₹268 crore from ₹250 crore. The higher provisions and tax more than offset the operating profit improvement, resulting in the sequential net profit decline.
Gross non-performing assets (GNPA) increased to ₹2,948 crore from ₹2,756 crore in the March quarter, a rise of 7.0%. The GNPA ratio edged up to 2.10% from 2.03%. Net NPAs rose to ₹1,060 crore from ₹990 crore. After a decline in the previous quarter, both gross and net NPAs increased.
The CET1 ratio stood at 17.14%, up from 16.86% in the March quarter but lower than 17.54% a year ago. Basic earnings per share before extraordinary items was ₹10.63, down 4.5% from ₹11.13 in the March quarter and up 36.3% from ₹7.80 a year ago.
AU Small Finance Bank reported a 37% year-on-year increase in net profit for the June quarter, driven by higher interest income. However, net profit declined sequentially as a rise in provisions and tax expenses outweighed an improvement in operating profit. Asset quality showed a slight uptick in non-performing loans, while the capital position remained comfortable.
Exchange disclosures and regulatory announcements for AU Small Finance Bank.
On September 14, 2026, the Board of Directors of AU Small Finance Bank Limited approved the appointment of Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking, categorized as Senior Management Personnel (SMP). The appointment, effective immediately on the date of the filing, follows a recommendation from the Nomination and Remuneration Committee and leverages Mr. Agarwal's nearly three decades of experience, including over two decades at Axis Bank.
AU Small Finance Bank Limited has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
The RBI approved ICICI Prudential Asset Management Company Limited to acquire up to 9.95% of AU Small Finance Bank's paid-up share capital or voting rights, subject to compliance with relevant banking, foreign exchange, and securities regulations. The approval was conveyed via RBI's letter dated September 8, 2026.
On September 8, 2026, AU Small Finance Bank Limited allotted a total of 197,689 equity shares following the exercise of options under ESOP Schemes 2023, 2020, 2018, and 2016. The allotment increased the company's paid-up share capital from INR 7,505,780,960 to INR 7,509,897,650 and raised the number of paid-up shares from 750,578,096 to 750,989,765.
AU Small Finance Bank allotted 4,11,669 equity shares of Rs. 10 each on September 8, 2026, following the exercise of Employee Stock Options under ESOP 2016 (14,111 shares), ESOP 2018 (18,828 shares), ESOP 2020 (2,15,966 shares), and ESOP 2023 (1,62,764 shares). The paid-up equity share capital increased from Rs. 7,50,57,80,960 to Rs. 7,50,98,97,650.
At the 31st AGM of AU Small Finance Bank Limited held on September 5, 2026, shareholders passed all eight resolutions with requisite majorities. Resolutions included adopting audited financial statements for FY ended March 31, 2026; declaring a dividend of ₹1 per equity share of ₹10 each; re-appointing Mr. Sanjay Agarwal as Director and approving his remuneration, as well as variable pay for Mr. Uttam Tibrewal; enhancing the borrowing limit to ₹30,000 Crore; and authorizing the issuance of non-convertible debt securities and equity-linked instruments via Qualified Institutions Placement. Voting results showed approval percentages ranging from approximately 96.46% to 100% across all items.
AU Small Finance Bank Limited announced on September 7, 2026, its scheduled participation in five analyst and institutional investor meetings. The company will attend the UBS India Summit in Mumbai on September 10 at 13:00, the Jefferies 5th India Forum in Delhi on September 17 at 10:00, the J.P. Morgan India Conference in Mumbai on September 21 at 10:00, the 2026 BofA Asia Pacific Conference in Hong Kong on September 21 at 12:00, and the CLSA 33rd Investor Forum in HK on September 22 at 15:00.
AU Small Finance Bank announced its participation schedule for five analyst and institutional investor meetings in September 2026, including the UBS India Summit on September 10 in Mumbai and the Jefferies 5th India Forum on September 17 in Delhi. The bank will also attend the J.P. Morgan India Conference and BofA Asia Pacific Conference on September 21 in Mumbai and Hong Kong respectively, followed by the CLSA 33rd Investor Forum on September 22-23 in Hong Kong. This disclosure was submitted to the National Stock Exchange and BSE Limited on September 7, 2026, under SEBI Listing Regulations.
Recent market and company developments associated with AU Small Finance Bank.
This is part of AU's plan to strengthen the bank's leadership deck ahead of its transition into a universal bank and is the second lateral recruitment at the senior management level.
Achieving a remarkable milestone, AU Small Finance Bank's vehicle loan portfolio exceeded Rs 50,000 crore in assets under management by August 2026. Since its inception in 1996, the bank has expanded its reach, assisting over 13.7 lakh customers nationwide. This segment not only leads AU SFB's lending activities but also represents a vital growth avenue, enhanced by the integration of cutting-edge analytics and automation.
The franchise remains AU SFB’s largest lending business and accounts for nearly one-third of the bank’s overall loan portfolio. It serves more than 13.7 lakh customers across the country.
AU Small Finance Bank appointed two new senior executives to its leadership team. Anil Agarwal and Amol Padhye joined the bank as part of its strategic expansion. These appointments precede the bank's planned transition into a universal bank. AU received in-principle approval from the Reserve Bank of India. The bank must complete this significant transition within eighteen months.
Anil Agarwal and Amol Padhye’s appointments aim to boost AU Small Finance Bank’s operational capabilities and risk management as it prepares to become a Universal Bank after recent regulatory approval.
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Jefferies has identified Paytm, Groww, PB Fintech, AU Small Finance Bank and Poonawalla Fincorp as its 25% CAGR club of Indian financial stocks. The brokerage expects strong earnings and revenue growth over FY26-29, supported by scale, new business initiatives and operating leverage, while maintaining Buy calls on all five stocks.
Comprehensive Section Breakdown for AU Small Finance Bank
Strategic Vision: Indian scheduled commercial small finance bank serving customers nationwide.
Category: Financial Services
The bank operates within the Banking and Financial services industry, serving customers across India.
Core Thesis: The bank provides banking and financial services to customers across India.
• Scheduled Commercial Bank Operations: Operates as a scheduled commercial small finance bank. • Nationwide Customer Service: Serves customers across India.
• Scheduled commercial bank status
Net profit for the June quarter rose 37% year-on-year to ₹796 crore, supported by strong growth in interest income. Sequentially, profit declined 4.3% from the March quarter’s ₹832 crore, even as operating profit before provisions improved 6.2%. The sequential dip was driven by higher provisions and tax expenses. Asset quality saw a slight increase in non-performing loans.
Employee costs rose 22.9% year-on-year to ₹1,064 crore, and other operating expenses increased 30.7% to ₹885 crore. The combined operating expenses grew faster than the combined interest and other income, leading to a slight compression in the operating profit margin. Nevertheless, operating profit before provisions and contingencies increased 9.4% year-on-year to ₹1,435 crore. Sequentially, operating profit improved 6.2% as operating expenses were nearly flat (down 0.6%) while combined interest and other income grew 4.2%.
Management emphasized resilience in India's domestic growth and credit demand despite geopolitical headwinds, delivering strong operating performance with NII up 32% YoY and PAT growing 37% YoY to ₹796 cr. The bank remains well-positioned for sustainable long-term growth, leveraging strong capital buffers and a disciplined approach to balance sheet quality while progressing towards its Universal Bank transition.
Strategic focus continues on technology-led capabilities and distribution expansion, with AI initiatives rolling out across lending verticals and net 130 new touchpoints added in the quarter. Management expects cost-to-assets to improve on a full-year basis as operating leverage plays out, supported by a 42% YoY growth in disbursements and a 24% increase in deposits to ₹1.58 lac cr.