AU Small Finance Bank is among India's largest small finance banks. Au Financiers was founded in 1996 in Rajasthan’s capital. As a retail-focused non-banking finance company (NBFC), it dedicated two decades to offering financial solutions swiftly to both rural and urban communities. It secured the small finance bank (SFB) licence in 2015 from the Reserve Bank of India. The same year witnessed its elevation to Scheduled Commercial Bank status on November 1.
The market capitalisation of AU Small Finance Bank stood at over ₹52,000 crore as of December 28, 2023. AU Small Finance Bank share price has gained 80.96% in three years.
Business operations
The reach of AU Small Finance Bank has grown significantly from 403 touch points across 8 states and 2 Union Territories in 2017 to 1,042 touch points across 21 states and 3 Union Territories as of September 30, 2023.
It operates through a network comprising 474 branches, 235 banking outlets (BOs), 1,027 touchpoints and 228 asset centres. Within this network, 76 branches cater to unbanked areas, while 311 centres are dedicated to serving unbanked rural communities. The SFB also offers service through 14 business correspondents (BCs). AU Small Finance Bank has presence across 711 locations in 241 districts. The bank also operates 493 ATMs.
Through its various channels like mobile banking, net banking, corporate internet banking, video banking, whatsapp banking, auto chatbot, missed-call banking and au biz pay, the bank has expanded the reach of its services and products. These include personal, commercial and digital banking.
AU Small Finance Bank's services include:
Retail banking - The bank offers savings accounts, term deposits, lockers, life and health insurance, general and fire insurance, mutual funds and a 3-in-1 trading platform. It also provides various loan and advance options like vehicle loans, secured business loans (SBLs), home loans, personal loans, gold loans, and credit cards.
Transaction banking - This includes current accounts, trade and forex services, overdraft facilities and cash management services (CMS), along with non-fund-based facilities.
Loans and advances - The bank extends its services in business banking, agri banking, NBFC lending, real estate and construction finance.
Digital banking - Under this division, AU Small Finance Bank facilitates digital loans, credit cards, insurance and investments, and digital enterprise loans.
Payments and Services - Its payment services include products such as merchant payments using UPI QR and Point of Sale (PoS), Debit Cards, AEPS, BHIM UPI, Bharat Bill Payment Service (BBPS), NETC, FASTag, ASBA, NACG/E-NACH and tax payments.
AU Small Finance Bank Financial Highlights
- Revenue: AU Small Finance Bank reported revenue of ₹21,614.28 crore in FY26 vs ₹18,590.04 crore in FY25. It showed an increase of 16.27% on a yearly basis.
- Operating Profit: AU Small Finance Bank reported an operating profit of ₹3,474.05 crore in FY26 vs ₹2,788.05 crore in FY25. It showed an increase of 24.61% on a year-on-year basis.
- Net Profit: AU Small Finance Bank reported a net profit of ₹2,641.25 crore in FY26 vs ₹2,105.93 crore in FY25. It showed an increase of 25.42% on a yearly basis.
AU Small Finance Bank Quarterly Result Highlights
- AU Small Finance Bank reported revenue of ₹5,750.10 crore in Mar 2026, compared with ₹5,451.26 crore in Dec 2025, representing an increase of 5.48% on a quarter-on-quarter (QoQ) basis.
- AU Small Finance Bank reported an operating profit of ₹1,082.08 crore in Mar 2026, compared with ₹884.17 crore in Dec 2025, representing an increase of 22.38% on a quarter-on-quarter (QoQ) basis.
- AU Small Finance Bank reported a profit of ₹831.87 crore in Mar 2026, compared with ₹667.66 crore in Dec 2025, reflecting an increase of 24.59% on a QoQ basis.
- The earnings per share (EPS) of AU Small Finance Bank stood at ₹28.32 during Mar 2026.
