# AU Small Finance Bank (AUBANK) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/aubank

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹931.8
- Change: -0.98%
- As of: 2026-11-06
- 1D return: -0.98%
- 5D return: +7.85%
- 1M return: -4.43%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

AUBANK closed at ₹941.0 on 2026-11-05, following a significant upward anomaly of +4.1% with high severity on the weekly timeframe. The technical setup presents a conflict between timeframes: the monthly trend remains bullish (price above all moving averages and Supertrend), while the daily and weekly trends are bearish (price below key moving averages and Supertrend). Daily momentum indicators show an established but mixed structure, with ADX at 34.54 indicating strong trend conviction despite the price being below the 50-period EMA and 200-period SMA. The stock is trading in the lower-middle portion of its 252-day range (+35.0%) and near the middle of its 20-day range (+56.3%). Key resistance lies at ₹949.62 (0.92% above) and ₹952.94 (1.27% above), while immediate support is found at ₹926.98 (1.49% below). A monthly 'Inside Bar' pattern is currently active, suggesting consolidation within the broader monthly uptrend.

- Timeframe Divergence: Monthly trend is bullish (ADX 53.87, price above Supertrend), contrasting with daily and weekly bearish structures where price trades below major moving averages and the Supertrend indicator.
- Price Positioning: Current price of ₹941.0 sits 0.92% below the nearest resistance at ₹949.62 and 1.49% above support at ₹926.98; the stock is in the lower-middle of its yearly range (+35.0%).
- Momentum & Volatility: Daily ADX of 34.54 indicates established trend strength; annualized volatility is +31.5% with a current drawdown of -16.6% from recent highs.
- Monitoring Conditions: A break above ₹949.62 could signal short-term bullish confirmation, while a sustained move below ₹926.98 would reinforce the daily/weekly bearish bias.

- Inside Bar
- Harami
- Doji
- Outside Bar
- Bearish Engulfing Reversal

### News Context

AU Small Finance Bank (AUBANK) disclosed a potential data leak affecting vehicle loan customers onboarded via a third-party SaaS platform on November 3, 2026. The bank reported the incident to the Reserve Bank of India and CERT-In and initiated a forensic investigation. While a hacker group claimed responsibility for the breach, AUBANK confirmed its own core systems remain unaffected and banking services are operating normally; Salesforce also stated it found no vulnerability on its end. This event coincides with broader sector concerns highlighted by CERT-In on November 5, which identified AI-driven attacks by the 'Crafty Falcon' group targeting Indian financial firms using China-linked tools. Separately, Jefferies noted on November 3 that valuation premiums for Indian banks over global peers have narrowed, citing strong asset quality and consistent performance in FY26, though they forecast that upcoming ECL-based provisioning and wage settlements may increase costs.

- Data Leak Investigation: AU Small Finance Bank flagged a possible leakage of vehicle loan customer data from a third-party SaaS platform on November 3, 2026, reporting to regulators while confirming core systems and services remain unaffected.
- Sector Cyber Threats: CERT-In identified the 'Crafty Falcon' hacking group as responsible for AI-driven attacks on Indian banks and fintechs using China-linked tools, warning that the threat remains active and ongoing as of November 5, 2026.
- Valuation Context: Jefferies observed a narrowing valuation premium for Indian banks over global peers on November 3, 2026, attributing this to strong asset quality and consistent performance, while noting potential cost pressures from ECL-based provisioning and wage settlements.

- [Hackers used China-linked AI tools to steal from Indian financial firms](https://www.thehindu.com/news/national/hackers-used-china-linked-ai-tools-to-steal-from-indian-financial-firms/article71670577.ece)
- [SBI, ICICI, HDFC Bank, IIB, KMB shares: Valuation premium over global peers narrowed; targets](https://www.businesstoday.in/markets/stocks/story/sbi-icici-hdfc-bank-iib-kmb-shares-valuation-premium-over-global-peers-narrowed-targets-565320-2026-11-03)
- [AU Small Finance Bank flags possible vehicle loan customer data leak](https://www.thehindubusinessline.com/money-and-banking/au-small-finance-bank-flags-possible-data-leak-involving-vehicle-loan-customers/article71659377.ece)
- ['Our Systems Are Unaffected': AU Small Finance Bank Probes Potential Data Leak on Salesforce Platform](https://www.freepressjournal.in/tech/our-systems-are-unaffected-au-small-finance-bank-probes-potential-data-leak-on-salesforce-platform)
- [Banks report 10-50% gains in productivity, turnaround time and costs from AI-led initiatives](https://economictimes.indiatimes.com/industry/banking/finance/banking/banks-report-10-50-gains-in-productivity-turnaround-time-and-costs-from-ai-led-initiatives/articleshow/135434677.cms)

### What Changed

AU Small Finance Bank (AUBANK) faces a dual-layer risk environment as of early November 2026. On the technical front, the stock price rose to ₹941.0 on 5 November 2026, up from ₹904.35 in the prior snapshot, indicating short-term upward momentum. However, this price action coincides with heightened systemic cybersecurity threats. India’s CERT-In has identified the 'Crafty Falcon' hacking group, utilizing China-linked AI tools, as responsible for recent breaches targeting Indian financial firms. These attacks specifically exploited APIs and payment systems during low-monitoring periods, resulting in significant unauthorized transfers from major lenders like ICICI Bank and data leaks at State Bank of India. While AUBANK was not explicitly named in the advisory, its operational reliance on digital banking infrastructure places it within the affected sector. The threat remains active and ongoing, suggesting that future incidents could impact customer trust or operational continuity for any bank exposed to these specific API vulnerabilities.

- Stock Price Movement: AUBANK closed at ₹941.0 on 5 November 2026, an increase from the previous recorded price of ₹904.35.
- Cybersecurity Threat Landscape: CERT-In identified 'Crafty Falcon,' a group using China-linked AI tools, as responsible for recent attacks on Indian banks via compromised APIs and payment systems.
- Sector-Wide Impact: Recent incidents involved significant unauthorized transfers from major lenders and data leaks at SBI; the threat is described as active and ongoing.
- Monitoring Condition: Investors should monitor for any specific disclosures regarding AUBANK's API security posture or potential exposure to Crafty Falcon-style attacks.

- [Hackers used China-linked AI tools to steal from Indian financial firms](https://www.thehindu.com/news/national/hackers-used-china-linked-ai-tools-to-steal-from-indian-financial-firms/article71670577.ece)

### Official Filings

AU Small Finance Bank reported strong Q2 FY27 financial results, with Profit After Tax rising 53% year-on-year to ₹858 crore. This growth was driven by a 32% increase in Net Interest Income to ₹2,820 crore and improved asset quality, evidenced by Gross Non-Performing Assets declining to 1.99%. The bank’s deposit book grew 28.6% to ₹1,70,460 crore, while the loan portfolio expanded 25.1% to ₹1,53,769 crore. Credit costs remained low at 0.8%, and ICRA upgraded the long-term credit rating outlook to Positive from Stable.

Separately, the company disclosed a potential data leakage incident involving approximately 28.5 lakh customers through a third-party SaaS platform used for vehicle-loan onboarding. Management stated that other systems remain unaffected, there is no impact on business operations or financial performance, and the matter has been reported to the Reserve Bank of India and CERT-In. Forensic investigations are underway.

- Q2 FY27 Profit After Tax increased 53% YoY to ₹858 crore, supported by 32% growth in Net Interest Income to ₹2,820 crore.
- Asset quality improved with Gross NPA falling to 1.99% and credit costs at 0.8%; ICRA upgraded the long-term rating outlook to Positive from Stable.
- A potential data leak affecting ~28.5 lakh customers via a third-party SaaS platform was reported; the bank asserts no impact on core systems or financial performance.
- The bank submitted an application for a final universal banking licence in March 2026.

- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is attached. |SUBJECT: News Verification](https://nsearchives.nseindia.com/corporate/kkurmi_04112026171135_Reply_to_news_clarification.pdf)
- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is awaited. |SUBJECT: News Verification](https://nsearchives.nseindia.com/content/RSS/Online_announcements.xml)
- [AU Small Finance Bank Limited has informed the Exchange regarding 'Reply to clarification sought by Stock Exchanges'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/AUBANK_02112026235324_Clarification_SE.pdf)
- [AU SMALL FINANCE BANK LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261028_193948965.xml)
- [AU Small Finance Bank Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/SUMIT1_28102026192812_Investor_call_transcript_SE_Submission.pdf)
- [AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication |SUBJECT: Copy of Newspaper Publication](https://nsearchives.nseindia.com/corporate/SUMIT1_26102026163117_Newspaper_Adv_SE.pdf)
- [AU Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026152406_BM_Outcome.pdf)
- [AU Small Finance Bank Limited has informed the Exchange regarding a press release dated October 24, 2026, titled "Press Release on unaudited financial results of AU Small Finance Bank Limited for thequarter and half year ended on September 30, 2026". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026152913_Press_Release.pdf)
- [AU Small Finance Bank Limited has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf)
- [AU Small Finance Bank Limited has informed the Exchange about Link of Recording |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026202003_Investor_Call_Recording.pdf)

### Fundamentals

AU Small Finance Bank reported a strong sequential improvement in the second quarter of FY2026-27, with net profit rising to ₹858 crore from ₹796 crore in Q1. Revenue also expanded sequentially to ₹6,382 crore, driven by higher interest earned and other income. Despite these top-line gains, operating expenses increased to ₹2,077 crore, and provisions for contingencies remained elevated at ₹359 crore. The bank’s asset quality shows signs of stress, with Gross Non-Performing Assets (GNPA) ticking up slightly to ₹2,988 crore and Net NPA rising to ₹1,205 crore compared to the previous quarter.

On a longer-term basis, the company has demonstrated robust growth, with a 3-year compounded sales growth of 31% and profit growth of 23%. Return on Equity (ROE) has remained stable at 14% over the last three years. Cash flow dynamics show that while free cash flow dropped significantly from ₹5,205 crore in FY2025 to ₹1,027 crore in FY2026, operating cash flow remains positive. Shareholding patterns indicate a shift towards domestic institutional investors, whose stake rose to 32.84% in September 2026, while foreign institutional holdings decreased to 36.06%.

- Q2 FY2026-27 Net Profit: ₹858 crore (up from ₹796 crore in Q1); EPS: ₹11.44 per share.
- Asset Quality Watch: GNPA increased to ₹2,988 crore; Net NPA rose to ₹1,205 crore sequentially.
- Long-term Growth: 3-Year Compounded Sales Growth at 31%; ROE stable at 14%.
- Cash Flow Shift: Free Cash Flow declined sharply to ₹1,027 crore in FY2026 from ₹5,205 crore in FY2025.

### Bear Case

AU Small Finance Bank faces heightened operational and cybersecurity risks following a disclosed potential data leak affecting vehicle loan customers onboarded through a third-party Salesforce platform. The bank has reported the incident to the Reserve Bank of India and CERT-In, with forensic investigations ongoing. This event coincides with broader sectoral warnings from CERT-In regarding AI-driven attacks by the 'Crafty Falcon' group targeting Indian financial APIs and payment systems. Concurrently, technical indicators signal near-term weakness; the daily Supertrend is bearish with an ADX of 34.54, suggesting strong downward momentum. The stock has declined 10.5% over the past three months and 8.6% over the last month, trading at ₹941.0 as of November 5, 2026. While monthly trends remain bullish, the immediate technical setup reflects significant selling pressure, with the stock currently testing support levels near ₹927.

- Cybersecurity Incident: AU Small Finance Bank disclosed a potential data leak for vehicle loan customers via a third-party Salesforce platform; the RBI and CERT-In have been notified, and forensic probes are underway amid broader sector alerts on AI-driven API attacks.
- Technical Deterioration: Daily trend is bearish (Supertrend direction: bearish, ADX 14: 34.54); the stock has fallen 10.5% over 3 months and 8.6% over 1 month, closing at ₹941.0 on November 5, 2026.
- Support Levels: Immediate technical support is identified at ₹926.98 (1.49% below current price) and ₹915.67 (2.69% below), with further downside risk toward ₹908.6 if selling pressure persists.
- Volatility Context: The stock exhibits high volatility with an annualized volatility of +31.5% and a current drawdown of -16.6%, indicating elevated risk for short-term holders.

- [Hackers used China-linked AI tools to steal from Indian financial firms](https://www.thehindu.com/news/national/hackers-used-china-linked-ai-tools-to-steal-from-indian-financial-firms/article71670577.ece)
- [SBI, ICICI, HDFC Bank, IIB, KMB shares: Valuation premium over global peers narrowed; targets](https://www.businesstoday.in/markets/stocks/story/sbi-icici-hdfc-bank-iib-kmb-shares-valuation-premium-over-global-peers-narrowed-targets-565320-2026-11-03)
- [AU Small Finance Bank flags possible vehicle loan customer data leak](https://www.thehindubusinessline.com/money-and-banking/au-small-finance-bank-flags-possible-data-leak-involving-vehicle-loan-customers/article71659377.ece)
- ['Our Systems Are Unaffected': AU Small Finance Bank Probes Potential Data Leak on Salesforce Platform](https://www.freepressjournal.in/tech/our-systems-are-unaffected-au-small-finance-bank-probes-potential-data-leak-on-salesforce-platform)
- [Banks report 10-50% gains in productivity, turnaround time and costs from AI-led initiatives](https://economictimes.indiatimes.com/industry/banking/finance/banking/banks-report-10-50-gains-in-productivity-turnaround-time-and-costs-from-ai-led-initiatives/articleshow/135434677.cms)
- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is attached. |SUBJECT: News Verification](https://nsearchives.nseindia.com/corporate/kkurmi_04112026171135_Reply_to_news_clarification.pdf)
- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is awaited. |SUBJECT: News Verification](https://nsearchives.nseindia.com/content/RSS/Online_announcements.xml)
- [AU Small Finance Bank Limited has informed the Exchange regarding 'Reply to clarification sought by Stock Exchanges'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/AUBANK_02112026235324_Clarification_SE.pdf)
- [AU SMALL FINANCE BANK LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261028_193948965.xml)
- [AU Small Finance Bank Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/SUMIT1_28102026192812_Investor_call_transcript_SE_Submission.pdf)

### FAQs

**What is the nature and scope of the data leak incident at AU Small Finance Bank?**

AU Small Finance Bank disclosed a potential data leakage involving approximately 28.5 lakh vehicle-loan customers onboarded through a third-party SaaS platform. The bank became aware of the incident on October 29, 2026, reported it to the Reserve Bank of India and CERT-In, and initiated forensic investigations. The company confirmed that its core banking systems remain unaffected, services are operating normally, and there is no impact on business operations or financial performance.

**How did AU Small Finance Bank perform financially in the first half of FY27?**

For H1 FY27 (ended September 30, 2026), AU Small Finance Bank reported a profit after tax of ₹1,654 crore, representing a 45% year-on-year increase. Q2 FY27 standalone profit after tax was ₹858 crore, up 53% year-on-year. Deposits grew by 29% and the loan portfolio expanded by 25% year-on-year. The bank maintained a gross non-performing asset (GNPA) ratio of 1.99% with a credit cost of 0.8%, including guarantee premium.

**What is the current technical price trend for AUBANK shares?**

As of November 5, 2026, the daily technical trend is bearish, with the stock closing at ₹941.00. The monthly trend remains bullish. Key resistance levels are observed at ₹949.62 and ₹952.94, while support exists at ₹926.98 and ₹915.67. Over the past month, the stock has declined by 8.6%, though it is up 6.9% over the last year.

- [Hackers used China-linked AI tools to steal from Indian financial firms](https://www.thehindu.com/news/national/hackers-used-china-linked-ai-tools-to-steal-from-indian-financial-firms/article71670577.ece)
- [SBI, ICICI, HDFC Bank, IIB, KMB shares: Valuation premium over global peers narrowed; targets](https://www.businesstoday.in/markets/stocks/story/sbi-icici-hdfc-bank-iib-kmb-shares-valuation-premium-over-global-peers-narrowed-targets-565320-2026-11-03)
- [AU Small Finance Bank flags possible vehicle loan customer data leak](https://www.thehindubusinessline.com/money-and-banking/au-small-finance-bank-flags-possible-data-leak-involving-vehicle-loan-customers/article71659377.ece)
- ['Our Systems Are Unaffected': AU Small Finance Bank Probes Potential Data Leak on Salesforce Platform](https://www.freepressjournal.in/tech/our-systems-are-unaffected-au-small-finance-bank-probes-potential-data-leak-on-salesforce-platform)
- [Banks report 10-50% gains in productivity, turnaround time and costs from AI-led initiatives](https://economictimes.indiatimes.com/industry/banking/finance/banking/banks-report-10-50-gains-in-productivity-turnaround-time-and-costs-from-ai-led-initiatives/articleshow/135434677.cms)
- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is attached. |SUBJECT: News Verification](https://nsearchives.nseindia.com/corporate/kkurmi_04112026171135_Reply_to_news_clarification.pdf)
- [The Exchange has sought clarification from AU Small Finance Bank Limited with respect to recent news item captioned AU Bank probes potential data leak. The response from the Company is awaited. |SUBJECT: News Verification](https://nsearchives.nseindia.com/content/RSS/Online_announcements.xml)
- [AU Small Finance Bank Limited has informed the Exchange regarding 'Reply to clarification sought by Stock Exchanges'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/AUBANK_02112026235324_Clarification_SE.pdf)
- [AU SMALL FINANCE BANK LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261028_193948965.xml)
- [AU Small Finance Bank Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/SUMIT1_28102026192812_Investor_call_transcript_SE_Submission.pdf)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Strong Downtrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹936.22
- Risk regime: Price Risk Requires Attention

### Support levels
- 932
- 908.6
- 864.1375

### Resistance levels
- 952.9359375
- 968.528125
- 980.15

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | -0.98% |
| return_10 | -0.12% |
| return_1m | -9.36% |
| return_1y | +5.77% |
| return_20 | -4.43% |
| return_3m | -14.33% |
| return_5 | +7.85% |
| return_6m | -9.00% |
| return_since_start | +63.89% |
| return_ytd | -6.77% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | elevated_risk |
| label | Price risk requires attention |
| summary | Recent drawdown or price variability is high enough to warrant closer monitoring. |
| maximum_drawdown | -24.86% |
| annualized_volatility | +31.51% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# AU Small Finance Bank Q2 FY2026-27: Profit climbs 53%

AU Small Finance Bank reported net profit of ₹858 crore for the quarter ended 30 September 2026, up 52.9% year on year and 7.8% from Q1 FY2026-27. Total income rose 22.2% year on year, while pre-provision operating profit increased 25.1%; net profit also advanced sequentially despite higher operating expenses.

## Income and balance-sheet growth

Total income was ₹6,382 crore, up 6.5% from ₹5,992 crore in Q1 FY2026-27 and 22.2% from ₹5,224 crore in Q2 FY2025-26. Interest earned increased 5.8% sequentially to ₹5,612 crore, including ₹4,747 crore of interest on advances. Other income rose 11.7% quarter on quarter to ₹770 crore.

Advances stood at ₹1,48,508 crore on 30 September 2026, compared with ₹1,34,276 crore on 31 March 2026 and ₹1,15,705 crore on 30 September 2025. Investments were ₹47,530 crore, up from ₹44,794 crore on 31 March 2026.

## Costs, provisions and profit

Interest expended increased 7.1% sequentially to ₹2,792 crore, while operating expenses rose 6.5% to ₹2,077 crore. Employee costs were ₹1,094 crore, up 2.8% from Q1 FY2026-27, and other operating expenses increased 11.0% to ₹983 crore.

Pre-provision operating profit rose 5.4% quarter on quarter to ₹1,514 crore and 25.1% year on year. Provisions other than tax and contingencies declined 3.3% sequentially to ₹359 crore. Profit before tax increased 8.5% to ₹1,154 crore, while tax expense rose 10.7% to ₹297 crore. Net profit reached ₹858 crore; basic earnings per share was ₹11.44.

## Asset quality

Gross non-performing assets increased 1.4% sequentially to ₹2,988 crore, while net non-performing assets rose 13.8% to ₹1,205 crore. The gross NPA ratio improved to 1.99% from 2.10% in Q1 FY2026-27. The net NPA ratio, however, increased to 0.81% from 0.76%.

## Capital and funding

The CET1 ratio rose to 18.54% at 30 September 2026 from 17.14% at 30 June 2026. Reserves and surplus stood at ₹21,058 crore, compared with ₹19,225 crore at 31 March 2026.

Deposits increased to ₹1,70,460 crore at 30 September 2026 from ₹1,52,661 crore at 31 March 2026. Borrowings also rose, to ₹14,239 crore from ₹13,872 crore over the same period.

## Key Takeaway

Strong year-on-year growth in income and pre-provision operating profit accompanied a 53% rise in net profit. Sequentially higher operating costs and net NPAs were counterpoints, while the gross NPA ratio improved and CET1 strengthened; deposits and advances also expanded against their prior reported balances.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q2
- As of: 2026-09-30
- Promoter holding: +22.67%
- FII holding: +36.06%
- DII holding: +32.84%
- Mutual fund holding: +24.85%
- Retail holding: +2.16%
- Promoter pledged: +0.00%

### Major reported shareholders

- Sanjay Agarwal — +15.60%
- HDFC VALUE FUND — +7.01%
- NIPPON LIFE INDIA TRUSTEE LTD-A/C NIPPON INDIA ETF NIFTY MIDCAP 150 — +4.25%
- CAMAS INVESTMENTS PTE. LTD. — +3.59%
- Jyoti Agarwal — +3.15%
- Shakuntala Agarwal — +2.48%
- SMALLCAP WORLD FUND, INC — +2.16%
- SBI LIFE INSURANCE CO. LTD — +1.96%
- INVESCO INDIA LARGE & MID CAP FUND — +1.80%
- UTTAM  TIBREWAL — +1.78%

## Official filings

- 2026-11-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_07112026182532_20261107_ESOP_Allotment_Intimation.pdf)
- 2026-11-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20261107_182828643.xml)
- 2026-11-04 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/kkurmi_04112026171135_Reply_to_news_clarification.pdf)
- 2026-11-02 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/content/RSS/Online_announcements.xml)
- 2026-11-02 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_02112026235324_Clarification_SE.pdf)
- 2026-10-28 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261028_193948965.xml)
- 2026-10-28 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_28102026192812_Investor_call_transcript_SE_Submission.pdf)
- 2026-10-26 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_26102026163117_Newspaper_Adv_SE.pdf)
- 2026-10-24 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026152406_BM_Outcome.pdf)
- 2026-10-24 — Press Release: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026152913_Press_Release.pdf)
- 2026-10-24 — Earnings Presentation: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf)
- 2026-10-24 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_24102026202003_Investor_Call_Recording.pdf)
- 2026-10-24 — Financial Results Filing: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1745462_24102026082223_WEB.xml)
- 2026-10-24 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261024_202611130.xml)
- 2026-10-24 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261024_202521337.xml)
- 2026-10-17 — Shareholding Disclosure: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SHP_1740975_17102026070318_WEB.xml)
- 2026-10-14 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_14102026190043_ESOP_Allotment_Intimation.pdf)
- 2026-10-14 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20261014_190233987.xml)
- 2026-10-14 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20261014_190227268.xml)
- 2026-10-12 — Board Meeting Notice: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_12102026172541_BM_Prior_Intimation_Oct_2026.pdf)
- 2026-10-12 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_12102026173303_Con_Call_Intimation_Q2.pdf)
- 2026-10-12 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_15315_WebXMLFile_20261012_173906994.xml)
- 2026-10-12 — Board Meeting Notice: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_15315_WebXMLFile_20261012_173906994.xml)
- 2026-10-12 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CLOSURE_TRADING_WINDOW_15315_WebXMLFile_20261012_174229589.xml)
- 2026-10-12 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20261012_174806001.xml)

## News and market events

- 2026-11-05 — The Hindu: **Hackers used China-linked AI tools to steal from Indian financial firms** — India’s CERT-In has identified the hacking group Crafty Falcon as responsible for AI-driven attacks on Indian banks and fintechs, noting that at least two of the automated tools used are linked to China. The advisory highlights that these breaches targeted APIs and payment systems during low-monitoring periods, with recent incidents involving significant unauthorized transfers from major lenders like ICICI Bank and data leaks at State Bank of India. While the agency did not attribute state sponsorship or specify total financial losses, it warned that the threat remains active and ongoing. — [Source](https://www.thehindu.com/news/national/hackers-used-china-linked-ai-tools-to-steal-from-indian-financial-firms/article71670577.ece)
- 2026-11-03 — BUSINESSTODAY: **SBI, ICICI, HDFC Bank, IIB, KMB shares: Valuation premium over global peers narrowed; targets** — Jefferies identified a narrowing valuation premium for Indian banks over global peers, citing strong asset quality and consistent performance from ICICI Bank and SBI in FY26. The investment bank highlighted diverging retail deposit franchises and a shift toward tech investments, while forecasting 16% sector-wide deposit growth for FY27 supported by FCNR-B inflows. Jefferies also noted that upcoming ECL-based provisioning and wage settlements may increase costs, though an expected repo rate hike could offset these pressures. — [Source](https://www.businesstoday.in/markets/stocks/story/sbi-icici-hdfc-bank-iib-kmb-shares-valuation-premium-over-global-peers-narrowed-targets-565320-2026-11-03)
- 2026-11-03 — The Hindu: **AU Small Finance Bank flags possible vehicle loan customer data leak** — AU Small Finance Bank disclosed that some vehicle loan customers onboarded through a third-party SaaS platform may have experienced data leakage. The bank has reported the incident to the Reserve Bank of India and CERT-In and is conducting a forensic investigation while stating that other systems remain unaffected. — [Source](https://www.thehindubusinessline.com/money-and-banking/au-small-finance-bank-flags-possible-data-leak-involving-vehicle-loan-customers/article71659377.ece)
- 2026-11-02 — FREEPRESSJOURNAL.IN: **'Our Systems Are Unaffected': AU Small Finance Bank Probes Potential Data Leak on Salesforce Platform** — AU Small Finance Bank is probing a potential data leak on a Salesforce-hosted platform holding limited vehicle loan customer data after a hacker group claimed responsibility. The bank confirmed its own systems remain unaffected and banking services are operating normally, while Salesforce stated it found no vulnerability on its end. — [Source](https://www.freepressjournal.in/tech/our-systems-are-unaffected-au-small-finance-bank-probes-potential-data-leak-on-salesforce-platform)
- 2026-11-01 — Economic Times: **Banks report 10-50% gains in productivity, turnaround time and costs from AI-led initiatives** — Several banks in India have implemented artificial intelligence initiatives that have increased productivity and efficiency significantly. Notably, Kotak Mahindra Bank has improved its handling of corporate servicing volumes by 20-30% with the same workforce, while Axis Bank's AI solutions are enhancing customer experience and improving operational efficiency across its operations. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/banks-report-10-50-gains-in-productivity-turnaround-time-and-costs-from-ai-led-initiatives/articleshow/135434677.cms)
- 2026-10-31 — Economic Times: **AU Small Finance Bank data leak: Salesforce says no vulnerability at its end** — AU Small Finance Bank is investigating a suspected data breach affecting limited vehicle loan customer data hosted on Salesforce's platform, while Salesforce denies finding any vulnerability in its system. This event aligns with broader concerns about cyberattacks on the Indian banking sector highlighted by recent warnings from Prime Minister Narendra Modi. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/au-small-finance-bank-data-leak-salesforce-says-no-vulnerability-at-its-end/articleshow/135395127.cms)
- 2026-10-31 — The Hindu: **AU SFB data leak: Salesforce says no vulnerability at its end** — AU Small Finance Bank is probing a suspected data leak of vehicle loan customer information linked to its Salesforce-hosted SaaS platform, following claims by the hacking group The ScarlettGroup. Salesforce stated it has not identified any vulnerability in its platform related to the issue, while threat intelligence platform Hackmanac noted that verification of the hackers' claims is still pending. — [Source](https://www.thehindubusinessline.com/money-and-banking/au-sfb-data-leak-salesforce-says-no-vulnerability-at-its-end/article71648769.ece)
- 2026-10-31 — DECCANCHRONICLE.COM: **AU SFB Data Leak: Salesforce Says No Vulnerability At Its End** — AU Small Finance Bank initiated an investigation into a potential data leak involving a Salesforce-managed SaaS platform holding limited vehicle loan customer data, while Salesforce stated it has not identified any vulnerability in its platform related to the issue. — [Source](https://www.deccanchronicle.com/nation/current-affairs/au-sfb-data-leak-salesforce-says-no-vulnerability-at-its-end-2000549)
- 2026-10-31 — CNBC-TV18: **AU Small Finance Bank data leak: Salesforce says no platform vulnerability identified** — AU Small Finance Bank reported a potential data leakage from its Salesforce SaaS platform containing limited vehicle finance customer data, while hacking group ScarlettGroup claimed access to sensitive records. Salesforce stated it has not identified any vulnerability in its platform related to the incident and confirmed the bank's core systems are operating normally. — [Source](https://www.cnbctv18.com/business/au-small-finance-bank-data-leak-salesforce-says-no-platform-vulnerability-identified-20023992.htm)
- 2026-10-30 — Times of India: **AU Bank probes potential data leak** — AU Small Finance Bank is investigating a potential data leak involving a Salesforce-hosted software platform after the ScarlettGroup hacking group claimed to have accessed sensitive customer and internal corporate data, including KYC records. The bank stated that its own systems remain unaffected and all banking services are operating normally. — [Source](https://timesofindia.indiatimes.com/business/india-business/au-bank-probes-potential-data-leak/articleshow/135380899.cms)
- 2026-10-30 — Economic Times: **AU Small Finance Bank hit by a likely breach of 'limited' data** — AU Small Finance Bank reported a likely breach of limited customer data related to vehicle loans, hosted on a third-party Salesforce platform, with the ScarlettGroup hacking group claiming responsibility. While the bank has a 100-crore cyber insurance policy with New India Assurance to cover potential liabilities, the extent of the exposure and number of affected customers remain undetermined as investigations continue. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/au-small-finance-bank-hit-by-a-likely-breach-of-limited-data/articleshow/135376274.cms)
- 2026-10-30 — IANSLIVE.IN: **AU Small Finance Bank probes alleged data leak after hacker group's breach claim** — New Delhi, Oct 30 (IANS) AU Small Finance Bank on Friday said that it is investigating a potential data leak involving a software-as-a-service (SaaS) platform hosted by Salesforce after a hacker group claimed to have breached the lender's systems and accessed sensitive customer information. — [Source](https://ianslive.in/au-small-finance-bank-probes-alleged-data-leak-after-hacker-groups-breach-claim--20261030144607)
- 2026-10-30 — Mint: **AU Small Finance Bank data breach: Hackers threaten to leak Aadhaar, PAN and customer records | Mint** — AU Small Finance Bank is investigating a potential data breach on its Salesforce platform after hacking group ScarlettGroup claimed access to sensitive customer records, including Aadhaar and PAN details. The bank stated that the platform carries only a small amount of information about vehicle finance customers and that main banking systems remain unaffected. — [Source](https://www.livemint.com/technology/tech-news/au-small-finance-bank-data-breach-hackers-threaten-to-leak-aadhaar-pan-and-customer-records-11793350577104.html)
- 2026-10-30 — Economic Times: **Au Small Finance Bank says investigating potential data leak involving SaaS platform** — AU Small Finance Bank is investigating a potential data leak involving a SaaS platform managed by Salesforce that holds limited data relating to its vehicle loan customers. The bank stated that its own systems remain unaffected and all banking services are operating normally. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/au-small-finance-bank-says-investigating-potential-data-leak-involving-saas-platform/articleshow/135350044.cms)
- 2026-10-30 — The Hindu: **AU Small Finance Bank probes potential data leak** — AU Small Finance Bank is investigating a potential data leak on a Salesforce-managed platform involving limited vehicle loan customer data, with core systems remaining unaffected. This incident occurs amid heightened regulatory focus on cybersecurity frameworks for lenders in India. — [Source](https://www.thehindubusinessline.com/info-tech/au-small-finance-bank-probes-potential-data-leak/article71644262.ece)
- 2026-10-30 — MONEYCONTROL: **AU Small Finance Bank probes ‘potential data leak’ after hacker group claims breach** — AU Small Finance Bank is investigating a potential data leak on a Salesforce platform after hacker group ScarlettGroup claimed a breach of customer and corporate data. The bank confirmed its core systems were unaffected, but its shares fell 1.6 percent following the report. — [Source](https://www.moneycontrol.com/news/business/banks/au-small-finance-bank-probes-potential-data-leak-after-hacker-group-threat-14064387.html)
- 2026-10-30 — FREEPRESSJOURNAL.IN: **AU Small Finance Bank Hit By Alleged Cyberattack; Hackers Claim PAN, Aadhaar Data Stolen** — The hacking group ScarlettGroup claims to have breached AU Small Finance Bank, allegedly stealing PAN, Aadhaar, KYC records, and other sensitive customer data. The bank has not acknowledged the incident, and the claims remain unverified as of the report date. — [Source](https://www.freepressjournal.in/tech/au-small-finance-bank-hit-by-alleged-cyberattack-hackers-claim-pan-aadhaar-data-stolen)
- 2026-10-30 — CNBC-TV18: **AU Small Finance Bank: ScarlettGroup claims data breach, bank investigating** — Hacking group ScarlettGroup claims to have breached AU Small Finance Bank, threatening to leak sensitive customer and corporate data including KYC records and Aadhaar details. The bank is currently investigating the allegations, which remain unverified, while its shares fell 1.19% to ₹869. — [Source](https://www.cnbctv18.com/market/au-small-finance-bank-scarlettgroup-claims-data-breach-share-price-20023170.htm)
- 2026-10-27 — MONEYCONTROL: **AU Small Finance Bank target lowered to Rs 960 as higher expenses weigh on core profit** — AU Small Finance Bank target lowered to Rs 960 as higher expenses weigh on core profit Follow Us On: Stocks: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Others Trending Topics more Sensex Today Jio IPO Allotment Jio IPO Listing Date Israel Elections 2026 live Microsoft Buyout news Gyanesh Kumar Benjamin Netanyahu Noel Tata Ather Share Price Anthropic IPO News more Business Markets Stocks India News City News Economy Mutual Funds Personal Finance IPO News Startups Markets more Home Currencies Commodities Pre-Market IPO Global Market US Markets Bonds Silver MCX Price Gold MCX Price Perso — [Source](https://www.moneycontrol.com/news/business/stocks/au-small-finance-bank-target-lowered-to-rs-960-as-higher-expenses-weigh-on-core-profit-14061204.html)
- 2026-10-26 — BUSINESSTODAY: **Kotak Mahindra Bank, JSW Steel, Jindal Steel, Shree Cement, Nuvoco, AU SFB: Brokerage outlook, share price targets** — HDFC Securities has maintained its 'BUY' rating on Kotak Mahindra Bank, JSW Steel, Jindal Steel and Nuvoco Vistas Corporation, while upgrading Shree Cement to 'BUY' from 'ADD'. — [Source](https://www.businesstoday.in/markets/stocks/story/kotak-mahindra-bank-jsw-steel-jindal-steel-shree-cement-nuvoco-au-bank-brokerage-outlook-share-price-targets-563742-2026-10-26)
- 2026-10-26 — CNBC-TV18: **Sensex rises 483 points, Nifty ends at day’s high: Key factors behind market rally** — The Sensex gained 483 points to 73,607 and the Nifty rose 153 points to 22,753, with both benchmarks ending at the day’s high. Dr Reddy’s, Aether Energy and BSE were among the notable gainers, while Shriram Finance and Supreme Industries declined after guidance cuts. — [Source](https://www.cnbctv18.com/market/sensex-rises-483-points-nifty-ends-at-days-high-key-factors-behind-market-rally-20019458.htm)
- 2026-10-26 — MONEYCONTROL: **AU Small Finance Bank shares fall over 7% amid margin concerns in Q2; here's what brokerages say** — AU Small Finance Bank shares fall over 7% amid margin concerns in Q2; here's what brokerages say Follow Us On: Stocks: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Others Trending Topics more Sensex Today Jio IPO Allotment Jamia Protest UP Polls 2027 Rahul Gandhi Infosys Share Price Aamir Khan Small Cap Stocks Cyclone Arnab Dhanush News more Business Markets Stocks India News City News Economy Mutual Funds Personal Finance IPO News Startups Markets more Home Currencies Commodities Pre-Market IPO Global Market US Markets Bonds Silver MCX Price Gold MCX Price Personal Finance more Home Lo — [Source](https://www.moneycontrol.com/news/business/stocks/au-small-finance-bank-shares-fall-over-7-amid-margin-concerns-in-q2-here-s-what-brokerages-say-14060012.html)
- 2026-10-26 — BUSINESSTODAY: **Why AU Small Finance Bank shares slumped post Q2 FY27 earnings** — AU Small Finance Bank Ltd shares declined 9.46 per cent to Rs 845.65 in Monday's trade after the company announced its second-quarter (Q2 FY27) earnings over the weekend.Nuvama Institutional Equities said AU Small Finance Bank reported 25 per cent year-on-year (YoY) growth in assets under management (AUM), but its net interest margin (NIM) contracted 10 basis points (bps) quarter-on-quarter (QoQ) to 5.8 per cent due to a rise in the cost of funds (CoF).Lower provisions helped the small finance lender report an in-line profit after tax (PAT) of Rs 860 crore, with return on assets (RoA) at 1.7 p — [Source](https://www.businesstoday.in/markets/stocks/story/why-au-small-finance-bank-shares-slumped-post-q2-fy27-earnings-563582-2026-10-26)
- 2026-10-26 — Mint: **Small finance banks shares: AU and Ujjivan stocks crash 6% - What should investors do? Buy or sell? Target price, upside** — AU Small Finance Bank and Ujjivan Small Finance Bank shares plunged over 6% in Monday's trading session amid weak sentiment in the Indian stock market. — [Source](https://www.livemint.com/market/stock-market-news/small-finance-banks-shares-au-and-ujjivan-stocks-crash-6-what-should-investors-do-buy-or-sell-target-price-upside-11792987269485.html)
- 2026-10-26 — Mint: **Top stocks to buy: Adani Energy, AU Small Finance Bank, BPCL, IDFC First Bank — Jefferies sees up to 62% upside | Target** — Jefferies India report has predicted 33% upside in IDFC First Bank shares, and 35% upside in BPCL share price — [Source](https://www.livemint.com/market/stock-market-news/top-stocks-to-buy-adani-energy-au-small-finance-bank-bpcl-idfc-first-bank-jefferies-sees-up-to-62-upside-target-11792982712174.html)

## Business profile

**Strategic vision:** Indian scheduled commercial small finance bank serving customers nationwide.

### Business segments
- **Banking and Financial Services:** The bank operates within the Banking and Financial services industry, serving customers across India.

### Competitive strengths
- Scheduled commercial bank status

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## Freshness and sources

- Data as of: 2026-11-06
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/aubank
Markdown representation: https://faxioms.com/stocks/aubank?render=md