| Margins | NII % at 5.6%; PPoP % at 3.0% for Q1FY27. |
|---|---|
| Order book | Gross Loan Portfolio at ₹144,000 Cr as of 30-Jun-2026. |
| Demand visibility | Strong headroom with ~0.7/0.6% market share in loans and deposits. |
| Management confidence | High; citing long-term execution track record and founder-led leadership. |
Growth
Q1FY27 Net Interest Income stood at ₹2.7k Cr; PAT reached ₹0.8k Cr. Annualized RoA and RoE remained stable at 1.7% and 15.6% respectively.
Outlook
Targeting sustainable growth at 2.0-2.5x Nominal GDP. Planned addition of ~100 liability branches annually to strengthen retail franchise.
Risks
Key headwinds include geopolitical uncertainty, crude prices, inflation, rate hikes, and potential changes in regulatory policy frameworks.
Last quarter's promises, checked
Delivered
- Guided 2.0x-2.5x GDP growth → delivered 23-24% YoY growth (= BEAT)
- Guided ~100 new branches annually → delivered 16 in Q1 (on track) (= BEAT)
- Guided ~1.8% ROA target → delivered 1.7% (= BEAT)
Partly delivered
- Guided stable margins → delivered 7 bps sequential decline to 5.9% (= PARTIAL)
Investor Presentation filed with BSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹1,018.00
- Market cap
- ₹76,489 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 26.8×Sector 22.0×
- Promoter holding
- 22.74%-0.02% QoQ
- FII holding
- 35.98%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Au Small Finance Bank Ltd
All →Au Small Finance Bank Debt & Borrowing: ₹0.55 Cr
AU Small Finance Bank paid ₹0.55 Crore as interest on debentures on the due date.
- Value
- ₹0.55 Cr
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 3,78,830 equity shares pursuant to the exercise of employee stock options. The paid-up equity capital of the bank has increased accordingly.
Au Small Finance Bank Management Change
AU Small Finance Bank has appointed Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking, designated as a Senior Management Personnel.
Au Small Finance Bank Regulatory Approval
AU Small Finance Bank received RBI approval for ICICI Prudential Asset Management Company to acquire up to 9.95% of the Bank's paid-up share capital.
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 4,11,669 equity shares following the exercise of employee stock options. This issuance increases the bank's paid-up equity share capital.
Au Small Finance Bank Debt & Borrowing: ₹0.68 Cr
AU Small Finance Bank successfully paid Rs.0.68 Crore interest on its non-convertible debt securities due on September 5, 2026, as per regulatory requirements.
- Value
- ₹0.68 Cr