# AUBANK (AUBANK) — Stock analysis

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

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹1,040
- Change: +0.07%
- As of: 2026-09-18
- 1D return: +1.86%
- 5D return: +0.37%
- 1M return: -2.70%
- Latest complete quarter: fy27_q1

## Faxioms Analysis

_As of 2026-09-18_

### Technical Outlook

As of September 18, 2026, AUBANK is trading at ₹1058.6, with a mixed technical stance across different timeframes. The daily timeframe indicates a bearish trend, with the price below key moving averages like the 20-day EMA (₹1061.71), 20-day SMA (₹1073.63), and the Supertrend indicator (₹1096.3). However, longer-term weekly and monthly timeframes show a bullish trend, with the price trading above their respective 20-day EMAs, SMAs, and Supertrend indicators. This divergence suggests potential short-term weakness within a broader upward trend.

Nearest support is observed around ₹1049.47, approximately 0.86% below the current price. Key resistance lies near ₹1059.63, just 0.1% above the current price, followed by ₹1071.27. The stock has experienced a recent high-impact downward anomaly on September 15, 2026, with a -3% return on a wide intraday range. Current risk is characterized by an annualized volatility of 31% and a maximum drawdown of -19%. Active chart patterns include a monthly Harami and a weekly Doji, both formed on September 18, 2026.

- Daily trend is bearish (Supertrend: ₹1096.3), while weekly (Supertrend: ₹930.81) and monthly (Supertrend: ₹725.62) trends are bullish.
- Nearest support level is at ₹1049.47.
- Nearest resistance level is at ₹1059.63.
- Watch for a break above ₹1059.63 to challenge higher resistance, or a move below ₹1049.47 to test further support.
- A high-severity downward anomaly occurred on September 15, 2026.

- Harami
- Doji
- Bearish Engulfing Reversal
- Outside Bar
- Hammer
- Bullish Engulfing Reversal

### News Context

AU Small Finance Bank (AU SFB) has recently focused on strengthening its leadership team and expanding its vehicle loan portfolio. On September 15, 2026, the bank announced the appointment of two new senior executives, Anil Agarwal and Amol Padhye, as part of its strategic preparations for transitioning into a universal bank. This move follows the bank's receipt of in-principle approval from the Reserve Bank of India, with a mandate to complete the transition within eighteen months. Concurrently, AU SFB achieved a significant milestone in its vehicle loan segment, with the portfolio crossing the ₹50,000 crore mark in assets under management by August 2026. This segment, which has been serving over 13.7 lakh customers nationwide since 1996, represents the bank's largest lending business and accounts for approximately one-third of its total loan portfolio.

- AU Small Finance Bank appointed Anil Agarwal and Amol Padhye to its senior management team on September 15, 2026, as part of its strategy to bolster leadership ahead of its planned transition to a universal bank.
- The bank received in-principle approval from the Reserve Bank of India for its universal bank transition, which must be completed within eighteen months.
- AU Small Finance Bank's vehicle loan portfolio surpassed ₹50,000 crore in assets under management by August 2026.
- The vehicle loan segment is AU SFB's largest lending business, serving over 13.7 lakh customers and comprising about one-third of the bank's overall loan portfolio.

- AU Small Finance Bank bolsters leadership ahead of universal bank transition
- AU Small Finance Bank vehicle loan portfolio crosses Rs 50,000-crore mark
- AU Small Finance Bank vehicle loan portfolio crosses ₹50,000-crore mark
- AU Small Finance Bank bolsters top deck with two senior hires

### What Changed

AU Small Finance Bank (AUBANK) on the NSE experienced a price increase to ₹1058.6 on September 18, 2026, up from ₹1039.3 on the previous day. The available evidence does not indicate any other recent filings or news developments that materially alter the company's context. The common name and exchange listing remain unchanged.

- On September 18, 2026, AUBANK's price was ₹1058.6.
- This represents an increase from the previous day's price of ₹1039.3.
- The company continues to be listed on the NSE.
- No new filings or news developments were reported as of September 18, 2026.

### Official Filings

AU Small Finance Bank Limited has disclosed several key developments. On September 14, 2026, the bank announced the appointment of Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking, a role categorized as Senior Management Personnel (SMP). This appointment, effective immediately, follows a recommendation from the Nomination and Remuneration Committee and brings Mr. Agarwal's extensive experience, including over two decades at Axis Bank, to the bank's leadership.

In a significant regulatory update, the Reserve Bank of India (RBI) conveyed approval on September 8, 2026, for ICICI Prudential Asset Management Company Limited (I-Pru AMC) 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 contingent upon adherence to various banking, foreign exchange, and securities regulations.

Additionally, on September 8, 2026, the bank completed the allotment of 197,689 equity shares resulting from the exercise of options under its Employee Stock Option Plans (ESOPs). This allotment led to an increase in the company's paid-up share capital and the total number of paid-up shares. The bank also held its 31st Annual General Meeting on September 5, 2026, where shareholders approved all resolutions, including the adoption of financial statements for the fiscal year ending March 31, 2026, a dividend of ₹1 per equity share, and an enhanced borrowing limit of ₹30,000 Crore.

- On September 14, 2026, AU Small Finance Bank appointed Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking.
- The RBI approved ICICI Prudential Asset Management Company Limited to acquire up to 9.95% of AU Small Finance Bank's share capital or voting rights, as per RBI's letter dated September 8, 2026.
- On September 8, 2026, 197,689 equity shares were allotted following ESOP exercises, increasing the paid-up share capital.
- At the AGM on September 5, 2026, shareholders approved all resolutions, including a dividend of ₹1 per equity share and an increased borrowing limit to ₹30,000 Crore.

- Appointment of Senior Management Personnel (SMP) |SUBJECT: General Updates
- 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
- We hereby inform that AU Small Finance Bank ( AU SFB ) has received RBI s letter dated September 8, 2026 according its approval to ICICI Prudential Asset Management Company Limited ( I-Pru AMC ) (along with the schemes of ICICI Prudential Mutual Fund, funds under AIF managed by I-Pru AMC, clients of PMS of I-Pru AMC) to acquire aggregate holding of up to 9.95% of the paid-up share capital or voting rights in AU SFB. The aforesaid approval granted by RBI is subject to compliance with the relevant provisions of the Banking Regulation Act, 1949 and applicable RBI s directions, provisions of the Foreign Exchange Management Act, 1999, regulations issued by Securities and Exchange Board of India, and any other statutes, regulations and guidelines, as applicable. |SUBJECT: Updates
- AU Small Finance Bank Limited has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
- AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 411669 Shares. |SUBJECT: ESOP/ESOS/ESPS
- AU Small Finance Bank Limited has submitted the Exchange a copy Scrutinizers report of Annual General Meeting held on September 05, 2026. Further, the company has informed the Exchange regarding voting results. |SUBJECT: Shareholders meeting
- AU SMALL FINANCE BANK LIMITED has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- AU Small Finance Bank Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- AU Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 05, 2026 |SUBJECT: Shareholders meeting
- AS ON DATE : 01-SEP-26

### Fundamentals

AU Small Finance Bank (NSE) reported its financial results for Q1 FY2026-27, showing an increase in revenue from core operations. Interest earned rose to ₹5,302.74 crore in Q1 FY2026-27, up from ₹5,019.15 crore in Q4 FY2025-26. However, interest expended also increased to ₹2,607.24 crore in the latest quarter, from ₹2,436.82 crore in the prior quarter. Other income saw a slight decrease, falling to ₹689.22 crore in Q1 FY2026-27 compared to ₹730.95 crore in Q4 FY2025-26. Operating expenses, including employees cost and other operating expenses, also saw an increase. Operating profit before provision and contingencies reached ₹1,435.47 crore in Q1 FY2026-27, an increase from ₹1,351.52 crore in Q4 FY2025-26, indicating some growth in the bank's core profitability before accounting for provisions.

The bank's operating profit before provisions has shown a consistent upward trend across the reported periods. From ₹1,215.31 crore in Q3 FY2025-26, it grew to ₹1,351.52 crore in Q4 FY2025-26, and further to ₹1,435.47 crore in Q1 FY2026-27. This growth in operating profit appears to be driven primarily by the increase in interest earned, which outpaced the rise in interest expended and other operating costs in the most recent quarter. Investors may want to monitor the bank's net interest margin and its ability to manage its cost of funds and operating expenses in the coming quarters.

- AU Small Finance Bank's interest earned was ₹5,302.74 crore in Q1 FY2026-27.
- Interest expended for AU Small Finance Bank was ₹2,607.24 crore in Q1 FY2026-27.
- Other income for AU Small Finance Bank was ₹689.22 crore in Q1 FY2026-27.
- Operating profit before provision and contingencies for AU Small Finance Bank was ₹1,435.47 crore in Q1 FY2026-27.
- Operating profit before provision and contingencies has increased sequentially from ₹1,351.52 crore in Q4 FY2025-26 to ₹1,435.47 crore in Q1 FY2026-27.

### Bull Case

AU Small Finance Bank is strengthening its leadership team with the appointment of two new senior executives, Anil Agarwal and Amol Padhye. These hires are part of the bank's strategy to enhance operational capabilities and risk management as it prepares for its transition to a universal bank, having received in-principle approval from the Reserve Bank of India. The bank has a significant milestone in its vehicle loan portfolio, which crossed ₹50,000 crore in assets under management by August 2026. This segment, serving over 13.7 lakh customers, represents the bank's largest lending business and accounts for nearly one-third of its total loan portfolio, indicating a key growth driver.

- AU Small Finance Bank appointed two new senior executives to bolster leadership ahead of its transition to a universal bank.
- The bank's vehicle loan portfolio surpassed ₹50,000 crore in assets under management by August 2026.
- The vehicle loan segment is the bank's largest lending business, serving over 13.7 lakh customers and comprising approximately one-third of the total loan portfolio.

- AU Small Finance Bank bolsters leadership ahead of universal bank transition
- AU Small Finance Bank vehicle loan portfolio crosses Rs 50,000-crore mark
- AU Small Finance Bank vehicle loan portfolio crosses ₹50,000-crore mark
- AU Small Finance Bank bolsters top deck with two senior hires

### Bear Case

The company is undergoing a significant transition to a universal bank, a process that requires substantial organizational strengthening. While leadership has been bolstered with two senior hires, Anil Agarwal and Amol Padhye, to enhance operational capabilities and risk management, the Reserve Bank of India has granted in-principle approval, and the bank must complete this transition within eighteen months. This period may present execution risks. Technically, the daily trend indicators suggest a cautious outlook, with the 14-day ADX at 16.8 and the minus DI (23.45) slightly above the plus DI (20.26), indicating a lack of strong directional momentum. The current price of ₹1058.6 is below the 20-day EMA of ₹1061.71 and the 20-day SMA of ₹1073.63, with negative slopes observed in both EMAs and SMAs over a 5-day period. The supertrend direction is noted as bearish on a daily basis.

- The bank must complete its transition to a universal bank within eighteen months following in-principle approval from the Reserve Bank of India.
- Daily technical indicators show a bearish supertrend direction and a lack of strong directional momentum, with the price trading below key short-term moving averages.
- The 14-day ADX is 16.8, and the minus DI (23.45) is higher than the plus DI (20.26) on the daily chart.
- The company's stock price is currently below its 20-day Exponential Moving Average (₹1061.71) and 20-day Simple Moving Average (₹1073.63) as of 2026-09-18.

- AU Small Finance Bank bolsters leadership ahead of universal bank transition
- AU Small Finance Bank vehicle loan portfolio crosses Rs 50,000-crore mark
- AU Small Finance Bank vehicle loan portfolio crosses ₹50,000-crore mark
- AU Small Finance Bank bolsters top deck with two senior hires

### FAQs

**What is the significance of AU Small Finance Bank's recent leadership appointments and its transition to a universal bank?**

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.

**How has AU Small Finance Bank's vehicle loan portfolio performed, and what is its importance to the bank?**

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.

**What recent regulatory approvals has AU Small Finance Bank received regarding shareholding?**

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.

**How has AU Small Finance Bank's share price performed over different periods?**

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.

**What is the current technical trend for AU Small Finance Bank's stock?**

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.

- AU Small Finance Bank bolsters leadership ahead of universal bank transition
- AU Small Finance Bank vehicle loan portfolio crosses Rs 50,000-crore mark
- AU Small Finance Bank vehicle loan portfolio crosses ₹50,000-crore mark
- AU Small Finance Bank bolsters top deck with two senior hires
- Appointment of Senior Management Personnel (SMP) |SUBJECT: General Updates
- 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
- We hereby inform that AU Small Finance Bank ( AU SFB ) has received RBI s letter dated September 8, 2026 according its approval to ICICI Prudential Asset Management Company Limited ( I-Pru AMC ) (along with the schemes of ICICI Prudential Mutual Fund, funds under AIF managed by I-Pru AMC, clients of PMS of I-Pru AMC) to acquire aggregate holding of up to 9.95% of the paid-up share capital or voting rights in AU SFB. The aforesaid approval granted by RBI is subject to compliance with the relevant provisions of the Banking Regulation Act, 1949 and applicable RBI s directions, provisions of the Foreign Exchange Management Act, 1999, regulations issued by Securities and Exchange Board of India, and any other statutes, regulations and guidelines, as applicable. |SUBJECT: Updates
- AU Small Finance Bank Limited has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
- AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 411669 Shares. |SUBJECT: ESOP/ESOS/ESPS
## Technical analytics

- As of: 2026-09-18
- Daily trend: Weak Downtrend
- Weekly trend: Moderate Uptrend
- Pivot point: ₹1,037.83
- Risk regime: Price Risk Currently Contained

### Support levels
- 908.6
- 864.1375
- 758.0875

### Resistance levels
- 1076.7484375000001
- 1103.5
- 1144.1

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +1.86% |
| return_10 | -1.25% |
| return_1m | -1.59% |
| return_1y | +47.10% |
| return_20 | -2.70% |
| return_3m | +3.24% |
| return_5 | +0.37% |
| return_6m | +13.81% |
| return_since_start | +86.19% |
| return_ytd | +5.92% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | contained_risk |
| label | Price risk currently contained |
| summary | Recent drawdown and price variability remain within the producer's contained-risk thresholds. |
| maximum_drawdown | -19.23% |
| annualized_volatility | +30.79% |

## Quarterly financials

- Latest complete quarter: fy27_q1

# Profit Climbs 37% Year-on-Year but Eases from March Quarter as Provisions and Tax Rise

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.

## Interest Income and Expense

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 Declines

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.

## Operating Expenses and Operating Profit

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%.

## Provisions and Tax Weigh on Net Profit

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.

## Asset Quality

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.

## Capital and Earnings Per Share

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.

## Management Commentary

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.

## Key Takeaway

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.

### Ratios

## Official filings

- 2026-09-14 — Management Change: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_14092026222719_SE_Submission_Mr_Anil_Agarwal.pdf)
- 2026-09-14 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_15315_WebXMLFile_20260914_223346120.xml)
- 2026-09-09 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_09092026171843_ICICI_SE_Submission.pdf)
- 2026-09-08 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20260908_223236588.xml)
- 2026-09-08 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_08092026222838_ESOP_Allotment_Intimation.pdf)
- 2026-09-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_07092026184236_Voting_Result_AGM_Submission.pdf)
- 2026-09-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20260907_185127231.xml)
- 2026-09-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_07092026184840_Investor_Meet_Intimation.pdf)
- 2026-09-05 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_05092026222137_20260905_AGM_Proceedings_SE.pdf)
- 2026-08-31 — Annual Report: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/annual_reports/AR_30341_AUBANK_2025_2026_A_22660544_13082026202900.pdf)
- 2026-08-25 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20260825_154610644.xml)
- 2026-08-25 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_25082026154207_ESOP_Allotment_Intimation.pdf)
- 2026-08-25 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20260825_183538395.xml)
- 2026-08-25 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_25082026183308_Investor_Meet_Intimation.pdf)
- 2026-08-14 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_14082026180538_SE_Intimation_Newspaper_Adv_14082026.pdf)
- 2026-08-13 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_13082026204010_20260813_Annual_Report_submission.pdf)
- 2026-08-13 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_15315_WebXMLFile_20260813_205115591.xml)
- 2026-08-10 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_10082026193049_Investor_Meet_Intimation.pdf)
- 2026-08-10 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_15315_WebXMLFile_20260810_193304660.xml)
- 2026-08-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_15315_WebXMLFile_20260807_171911470.xml)
- 2026-08-07 — Generic Announcement: AU Small Finance Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_07082026171209_ESOP_Allotment_Intimation.pdf)
- 2026-07-30 — Official Filing: AU Small Finance Bank Limited published a newspaper advertisement on July 30, 2026, in Business Standard (English and Hindi editions) regarding its 31st Annual General Meeting (AGM) to be held through Video Conferencing/other Audio-Visual means. Shareholders are requested to update their email addresses to receive the Annual Report and AGM Notice. — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_30072026182941_20260730_SE_Newspaper_Adv.pdf)
- 2026-07-28 — Official Filing: AU Small Finance Bank Limited has disclosed the transcripts of its earnings call held on July 25, 2026. The transcripts were uploaded to the company's website on July 28, 2026, at 15:58:00.
- 2026-07-28 — Official Filing: AU Small Finance Bank Limited held a conference call on July 25, 2026, to discuss its unaudited financial results for the quarter ended June 30, 2026. The bank reported a 37% year-on-year growth in profit after tax to INR 796 crores, with net interest margin increasing by 47 basis points year-on-year to 5.9%. Deposits grew by 24% year-on-year, and the loan portfolio grew by 23% year-on-year. The bank also announced the elevation of Mr. Yogesh Jain as Deputy CEO. — [Official attachment](https://nsearchives.nseindia.com/corporate/AUBANK_28072026193720_20260728_Q1_Concall_Transcript_SE.pdf)
- 2026-07-27 — Generic Announcement: AU Small Finance Bank Limited published its Unaudited Financial Results for the quarter ended June 30, 2026, in the "Economic Times" and "Nafa Nuksan" newspapers on July 27, 2026. The filing also includes key financial figures such as total income of ₹1,06,398.62 Cr and profit after tax of ₹3,47,404.56 Cr for the quarter. Total deposits reached ₹1,44,250 Cr, and the loan portfolio stood at ₹20,885 Cr. — [Official attachment](https://nsearchives.nseindia.com/corporate/SUMIT1_27072026180525_Newspaper_Advertisement_submission.pdf)

## News and market events

- 2026-09-17 — Economic Times: **AU Small Finance Bank bolsters leadership ahead of universal bank transition** — 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. — [Source](https://cfo.economictimes.indiatimes.com/news/leadership/au-small-finance-bank-bolsters-leadership-ahead-of-universal-bank-transition/134309025)
- 2026-09-16 — Economic Times: **AU Small Finance Bank vehicle loan portfolio crosses Rs 50,000-crore mark** — 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. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/au-small-finance-bank-vehicle-loan-portfolio-crosses-rs-50000-crore-mark/articleshow/134281055.cms)
- 2026-09-16 — CNBC-TV18: **AU Small Finance Bank vehicle loan portfolio crosses ₹50,000-crore mark** — 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. — [Source](https://www.cnbctv18.com/business/au-small-finance-bank-vehicle-loan-portfolio-crosses-%25e2%2582%25b950000-crore-mark-19991749.htm)
- 2026-09-15 — Economic Times: **AU Small Finance Bank bolsters leadership ahead of universal bank transition** — 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. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/au-small-finance-bank-bolsters-leadership-ahead-of-universal-bank-transition/articleshow/134268508.cms)
- 2026-09-15 — The Hindu: **AU Small Finance Bank bolsters top deck with two senior hires** — 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. — [Source](https://www.thehindubusinessline.com/markets/stock-markets/au-small-finance-bank-bolsters-top-deck-with-two-senior-hires/article71466997.ece)
- 2026-09-12 — BUSINESSTODAY: **Japanese, Korean banks see massive EPS upgrades while India lags: Jefferies** — Japanese, Korean banks see massive EPS upgrades while India lags: Jefferies — [Source](https://www.businesstoday.in/latest/economy/story/japanese-korean-banks-see-massive-eps-upgrades-while-india-lags-jefferies-555073-2026-09-13)
- 2026-09-12 — Economic Times: **FD rate up to 8.5% for senior citizens investing for five years; know the list of banks - The Economic Times** — Senior citizens can get FD rates up to 8.5% for 5 years: Check the banks — [Source](https://economictimes.indiatimes.com/wealth/invest/fd-rate-up-to-8-5-for-senior-citizens-investing-for-five-years-know-the-list-of-banks/articleshow/134071176.cms)
- 2026-09-11 — Economic Times: **Jefferies' 25% CAGR club: Paytm, Groww among 5 financial stocks that can deliver up to 25% returns** — 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. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/jefferies-25-cagr-club-paytm-groww-among-5-financial-stocks-that-can-deliver-up-to-25-returns/articleshow/134055438.cms)
- 2026-09-11 — MONEYCONTROL: **Senior citizens can earn up to 8.5% on FDs: Check the banks offering the highest rates** — Senior citizen fixed deposit interest rates, best FD rates for senior citizens, highest fixed deposit interest rates, small finance bank FD rates, private sector bank FD rates, public sector bank FD rates, foreign bank FD rates, 8.5 percent FD interest rate, fixed deposit investment for retirees, DICGC insurance cover 5 lakh — [Source](https://www.moneycontrol.com/news/business/personal-finance/senior-citizens-can-earn-up-to-8-5-on-fds-check-the-banks-offering-the-highest-rates-14027751.html)
- 2026-09-11 — CNBC-TV18: **11:11 | Putin in India for BRICS Summit; oil crosses $108; rupee slips** — Russian President Vladimir Putin arrives in New Delhi for the BRICS Summit and talks with PM Modi, as the capital tightens security for the three-day gathering. Meanwhile, Brent crude crosses $108 a barrel, the rupee slips to ₹95.69 and Anthropic disrupts suspected Russian, Chinese AI campaigns — plus more in today’s 11:11 roundup. — [Source](https://www.cnbctv18.com/business/putin-in-india-for-brics-summit-oil-prices-surge-rupee-slips-19989023.htm)
- 2026-09-11 — CNBC-TV18: **Stocks To Buy: Jefferies picks five financial names that can grow substantially in three years** — Brokerage firm Jefferies has picked Groww, Paytm, PB Fintech, AU Small Finance Bank and Poonawalla Fincorp as the five stocks that have a market capitalization at, above or near $5 billion and can grow their operating profits at a Compounded Annual Growth Rate of 25% over the next three years with healthy revenue growth. — [Source](https://www.cnbctv18.com/photos/market/stocks-to-buy-jefferies-financials-groww-paytm-pb-fintech-au-sfb-poonawalla-target-cagr-estimates-triggers-19989108.htm)
- 2026-09-10 — MONEYCONTROL: **FD rates by major banks: Know where you can earn up to 8.25% interest** — fd interest rates september 2026, highest fixed deposit rates india, small finance bank fd rates 8.25, highest fd rates private banks, public sector bank fd rates, foreign bank fixed deposit rates, suryoday small finance bank fd interest — [Source](https://www.moneycontrol.com/news/business/personal-finance/fd-rates-by-major-banks-know-where-you-can-earn-up-to-8-25-interest-14026955.html)
- 2026-09-09 — Mint: **Top stocks in focus tomorrow: Investors must watch Coal India, Shakti Pumps, Wipro shares on Thu, 10 Sept | Triggers** — On September 9, Indian stock market investors are centering on firms like Dilip Buildcon, Wipro and AU Small Finance Bank due to key orders and approvals.  — [Source](https://www.livemint.com/market/top-stocks-in-focus-tomorrow-investors-must-watch-coal-india-shakti-pumps-wipro-shares-on-thu-10-sept-triggers-11788964212253.html)
- 2026-09-09 — CNBC-TV18: **ICICI Prudential AMC gets RBI nod to buy up to 9.95% in four banks** — ICICI Prudential Asset Management Company has received RBI approval to acquire up to 9.95% in CSB Bank, DCB Bank, Kotak Mahindra Bank and AU Small Finance Bank. — [Source](https://www.cnbctv18.com/market/icici-prudential-amc-gets-rbi-nod-to-buy-up-to-9-95-in-four-banks-19987768.htm)
- 2026-09-09 — FEEDS: **ICICI Prudential AMC Gets RBI Nod To Acquire Up To 9.95% 'Aggregate Holding' In AU Small Finance Bank** — The regulatory clearance is subject to compliance with the Banking Regulation Act, RBI directions, the Foreign Exchange Management Act, SEBI regulations and other applicable laws and guidelines. — [Source](https://www.ndtvprofit.com/markets/icici-prudential-amc-gets-rbi-nod-to-acquire-up-to-9-95-aggregate-holding-in-au-small-finance-bank-12023653)
- 2026-09-06 — BUSINESSTODAY: **FCNR(B) windfall lifts NBFCs, small private banks: Why these stocks may be the bigger winners** — FCNR(B) windfall lifts NBFCs, small private banks: Why these stocks may be the bigger winners — [Source](https://www.businesstoday.in/markets/stocks/story/fcnrb-windfall-lifts-nbfcs-small-private-banks-why-these-stocks-may-be-the-bigger-winners-553458-2026-09-06)
- 2026-08-26 — BUSINESSTODAY: **AU Bank, Chalet Hotels, Paradeep: Top stocks to trade — Check key levels, target prices & stop loss** — Stocks to buy, Stock picks, Stocks to trade, trading views, AU Small Finance Bank, Paradeep Phosphates, Chalet Hotels, AU Bank shares, Paradeep shares, Chalet Hotels shares, AU Bank share price, Paradeep share price, Chalet Hotels share price, AU stock share price, Paradeep stock price, Chalet Hotels stock price, AU stock target price, Paradeep target price, Chalet Hotels target price — [Source](https://www.businesstoday.in/markets/stocks/story/au-bank-chalet-hotels-paradeep-top-stocks-to-trade-check-key-levels-target-prices-stop-loss-551361-2026-08-26)
- 2026-08-24 — Times of India: **Stocks to buy: What's the outlook for Nifty for August 24-August 28 week? Check list of top stock recommendations** — India Business News: Stock market recommendations: Viyash Scientific, and AU Small Finance Bank - have been picked as the top stocks to buy on August 24, 2026 by Sudeep Sh. — [Source](https://timesofindia.indiatimes.com/business/india-business/top-stocks-to-buy-this-week-august-24-to-august-28-stock-recommendations-viyash-scientific-au-small-finance-bank/articleshow/133454322.cms)
- 2026-08-24 — Mint: **Raja Venkatraman recommends three stocks for 24 August** — Market expert Raja Venkatraman shares his top stock picks for 24 August. Here’s his technical outlook and trade strategy. — [Source](https://www.livemint.com/market/stock-market-news/raja-venkatraman-recommends-three-stocks-for-24-august-sensex-nifty-11787532536118.html)
- 2026-08-23 — Mint: **Senior citizen FD rates August 2026: Equitas, Shivalik, Jana, Ujjivan offer up to 8.50%; Check the full list | Mint** — Prominent small finance banks such as Equitas, Shivalik, Jana, Ujjivan, ESAF and Suryoday offer senior citizens FD rates of up to 8.50% in August 2026. Compare tenure, liquidity, tax impact and deposit insurance before investing, and seek advice from a certified financial adviser if needed. — [Source](https://www.livemint.com/money/personal-finance/senior-citizen-fd-rates-august-2026-equitas-shivalik-jana-ujjivan-offer-up-to-8-50-check-the-full-list-11787472311200.html)
- 2026-08-22 — Economic Times: **F&O Talk: Nifty to consolidate further, says Sudeep Shah; picks 3 stocks for next week** — SBI Securities Sudeep Shah expects Nifty to remain range-bound, with 24,000 as key support and 24,500 as resistance. He warns of underpriced options-market tail risks amid low volatility. Bank Nifty remains compressed, while Nifty IT faces support at 30,000. AU Small Finance Bank, Aditya Birla Capital and Nippon Life offer setups. — [Source](https://economictimes.indiatimes.com/markets/expert-view/fo-talk-nifty-to-consolidate-further-says-sudeep-shah-picks-3-stocks-for-next-week/articleshow/133419507.cms)
- 2026-08-22 — Economic Times: **Goldman Sachs picks ICICI Bank, Kotak Mahindra Bank as top banking bets** — Goldman Sachs has begun its assessment of fourteen Indian banks, pinpointing its top selections. ICICI Bank and Kotak Mahindra Bank stand out with Buy ratings that indicate substantial upside potential. The firm anticipates a cyclical recovery in earnings across the banking sector. It forecasts that private banks will surpass their state-owned counterparts in performance over the next two years, buoyed by loan growth and enhanced liquidity. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/goldman-sachs-picks-icici-bank-kotak-mahindra-bank-as-top-banking-bets/articleshow/133416320.cms)
- 2026-08-13 — Mint: **Stock recommendations for 13 August from MarketSmith India | Stock Market News** — MarketSmith India reveals its top stock recommendations for today, 13 August. Get expert insights into the best-performing stocks to guide your investment decisions. — [Source](https://www.livemint.com/market/stock-market-news/stock-recommendations-for-13-august-from-marketsmith-india-11786536328947.html)
- 2026-08-10 — NEWS.WEBINDIA123.COM: **Freedom to Spend Smarter: AU Small Finance Bank Credit Cards Bring Rewards, EMI Flexibility and Lounge Access to India's Biggest Shopping Month** — BusinessWire India — [Source](https://news.webindia123.com/news/articles/business/20260810/4485158.html)
- 2026-08-06 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Swiggy falls over 6% off highs; Nifty below 24,650** — Sensex Today | Stock Market LIVE Updates: We are the halfway mark, and the market contiue to remain largely flat. The markets are once again moving on a cautious note, with the Nifty trading flat around the 24,600 mark. The Nifty Bank is also in the same state, trying to scale the 58,000 mark. Titan, Reliance and Eternal are the top gainers. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-hdfc-bank-aurobindo-cummins-biocon-pb-fintech-lic-trent-share-price-liveblog-19962846.htm)

## 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: 2026-09-18
- Source: Faxioms public stock analysis API

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