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AU Small Finance Bank Limited provides various banking and financial services in India. It operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. The company offers savings and current accounts, escrow accounts, fixed and recurring deposits, and COVID shield deposit; debit and credit cards; locker services; and investment products. It also provides car, commercial vehicle, tractor, two-wheeler, home, construction and equipment, business term, personal, gold, secured business, and real estate project loans; agri business credit and infrastructure loans, as well as lending to non-banking financial companies; and lease rental discounting loans, as well as cash credit and overdraft facilities. In addition, the company offers bank guarantee, letters of credit, discounting of letter of credit, clean bill discounting, import and export bill collections, and inward and outward remittance services; digital banking services, such as Internet and mobile banking, collection and receivables, and payment and other merchant payment services; and government banking services to central government, states governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. Further, the company provides point of sale machines; mutual funds; and home, travel, personal accident, two-wheller, motor, fire, life, and health insurance products. As of March 31, 2021, it operated 552 bank branches, 177 correspondents banking outlets, 15 business correspondents, and 343 ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.
No Data Found
No of shares Outstanding
EPS-TTM
Face Value
Book Value
Net Asset Value
ROE
ROA
ROCE
Dividend Yield
Total Debt
Sales Growth
PAT Growth
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
SOURCES OF FUNDS: | |||||||
Total Liabilities & Total Equity | 90,216.1 | 69,077.8 | 51,591.3 | 42,143.1 | 32,622.8 | 18,832.8 | 9,781.2 |
Share Capital | 666.8 | 314.9 | 312.2 | 304.1 | 292.4 | 285.7 | 284.3 |
Share Warrants & Outstandings | 44.0 | 41.3 | 103.1 | 52.1 | 217.9 | 17.5 | 6.2 |
Total Reserves | 10,266.6 | 7,157.8 | 5,859.9 | 4,020.6 | 2,652.6 | 1,978.0 | 1,697.2 |
Deposits | 69,365.0 | 52,584.6 | 35,979.3 | 26,163.9 | 19,422.4 | 7,923.3 | 0.0 |
Borrowings | 6,298.7 | 5,990.8 | 7,029.7 | 10,335.3 | 8,613.4 | 7,638.9 | 7,119.9 |
Liabilities & Provisions | 3,575.1 | 2,988.4 | 2,307.1 | 1,267.0 | 1,424.1 | 989.4 | 673.8 |
APPLICATION OF FUNDS: | |||||||
Total Assets | 90,216.1 | 69,077.8 | 51,591.3 | 42,143.1 | 32,622.8 | 18,832.8 | 9,781.2 |
Cash and balance with RBI | 8,916.1 | 5,753.4 | 1,569.4 | 1,049.6 | 811.1 | 492.1 | 13.4 |
Balances with banks and money at call | 509.1 | 175.1 | 3,212.0 | 2,320.0 | 929.1 | 1,269.1 | 611.5 |
Investments | 20,072.0 | 15,306.5 | 10,815.4 | 10,668.2 | 7,161.7 | 3,050.6 | 2,150.3 |
Advances | 58,421.5 | 46,095.3 | 34,608.9 | 26,992.4 | 22,818.7 | 13,312.1 | 6,550.9 |
Net Block | 707.3 | 608.7 | 477.4 | 438.3 | 439.7 | 380.4 | 36.0 |
Lease Adjustment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Capital Work in Progress | 32.9 | 13.9 | 5.0 | 9.7 | 7.4 | 5.7 | 239.9 |
Other Assets | 1,557.3 | 1,125.0 | 903.3 | 664.8 | 455.2 | 322.7 | 179.2 |
The Industry Debt to Equity Ratio stands at 0.95, vs the Debt to Equity Ratio of 0.00, which results in a Negative aspect.
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
The Industry Price to BV stands at 2.59, vs the Price to BV of 0.00, which results in a Negative aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
Total Income | 8,205.4 | 5,921.7 | 4,950.1 | 4,285.9 | 2,949.1 | 1,767.2 | 1,280.0 |
Total Expenditure | 8,205.4 | 5,921.7 | 4,950.1 | 4,285.9 | 2,949.1 | 1,767.2 | 1,280.0 |
Profit Before Tax | 9,054.9 | 7,001.6 | 6,114.2 | 4,316.1 | 3,028.9 | 2,213.7 | 2,044.0 |
Less: Taxation | 436.7 | 324.2 | 287.8 | 239.2 | 198.3 | 151.3 | 321.4 |
Profit After Tax | 1,427.9 | 1,129.8 | 1,170.7 | 674.8 | 381.8 | 292.0 | 822.0 |
Earnings Per Share | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Appropriation | 4,810.4 | 3,820.9 | 3,058.0 | 2,246.8 | 1,747.6 | 1,459.4 | 1,331.7 |
The Industry PAT Growth stands at 78.14, vs the PAT Growth of 0.00, which results in a Negative aspect.
The Industry Dividend Yield stands at 0.80, vs the Dividend Yield of 0.00, which results in a Negative aspect.
The Industry PE Ratio stands at 19.86, vs the PE Ratio of 0.00, which results in a Negative aspect.
The Industry PAT Margin stands at 24.87, vs the PAT Margin of 0.00, which results in a Negative aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
Profit Before Tax | 1,864.6 | 1,454.1 | 1,458.5 | 914.0 | 580.1 | 443.3 | 1,143.3 |
Tax Paid | -369.9 | -384.9 | -314.3 | -268.9 | -193.0 | -154.2 | -320.4 |
Adjustment | 447.3 | 605.5 | 777.2 | 387.4 | 223.9 | 176.5 | 35.4 |
Changes In Working Capital | 1,864.6 | 1,454.1 | 1,458.5 | 914.0 | 580.1 | 443.3 | 1,143.3 |
Cash Flow after changes in Working Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Cash Flow from Operating Activities | 5,493.6 | 6,849.0 | 5,056.1 | 659.6 | 847.8 | 2,504.8 | -2,404.9 |
Cash Flow from Investing Activities | -4,319.5 | -4,753.4 | -989.7 | -1,267.5 | -2,304.6 | -1,889.5 | 552.4 |
Cash Flow from Financing Activities | 2,322.5 | -948.4 | -2,654.7 | 2,237.4 | 1,435.8 | 521.0 | 2,448.0 |
Net Cash Inflow / Outflow | 3,496.7 | 1,147.2 | 1,411.7 | 1,629.5 | -21.0 | 1,136.3 | 595.5 |
Opening Cash & Cash Equivalents | 5,928.5 | 4,781.3 | 3,369.7 | 1,740.2 | 1,761.2 | 625.0 | 29.4 |
Effect of Foreign Exchange Fluctuations | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Closing Cash & Cash Equivalent | 9,425.2 | 5,928.5 | 4,781.3 | 3,369.7 | 1,740.2 | 1,761.2 | 625.0 |
The Industry PCF RATIO stands at -52.46, vs the PCF RATIO of 0.00, which results in a Negative aspect.
The Industry PFCF Ratio stands at 107.44, vs the PFCF Ratio of 0.00, which results in a Negative aspect.
Particulars | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 | Dec 2019 | Sep 2019 | Jun 2019 | Mar 2019 | Dec 2018 | Sep 2018 | Jun 2018 | Mar 2018 | Dec 2017 | Sep 2017 | Jun 2017 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 27,358.2 | 25,310.6 | 24,583.4 | 22,748.5 | 21,180.7 | 19,922.9 | 18,202.0 | 16,670.3 | 14,964.5 | 14,047.5 | 13,534.9 | 12,923.7 | 12,611.1 | 12,124.5 | 11,841.2 | 11,834.5 | 11,116.2 | 10,334.3 | 9,573.9 | 8,768.5 | 7,883.4 | 6,833.7 | 6,002.8 | 5,317.2 | 4,641.7 | 4,102.9 | 3,609.8 |
Other Income | 4,496.9 | 4,254.6 | 3,151.2 | 3,330.6 | 2,948.9 | 2,473.6 | 1,591.5 | 3,113.7 | 2,756.5 | 1,909.0 | 1,841.9 | 2,766.5 | 6,634.1 | 2,856.9 | 2,258.0 | 1,831.5 | 1,612.2 | 1,507.9 | 2,109.4 | 1,305.5 | 1,059.2 | 1,225.1 | 1,030.5 | 1,344.5 | 1,060.3 | 974.2 | 578.7 |
Total Income | 31,855.1 | 29,565.2 | 27,734.6 | 26,079.1 | 24,129.6 | 22,396.5 | 19,793.5 | 19,784.1 | 17,721.0 | 15,956.5 | 15,376.8 | 15,690.1 | 19,245.3 | 14,981.5 | 14,099.1 | 13,666.0 | 12,728.3 | 11,842.1 | 11,683.3 | 10,074.0 | 8,942.5 | 8,058.8 | 7,033.3 | 6,661.7 | 5,702.1 | 5,077.1 | 4,188.5 |
Interest Expended | 14,109.5 | 12,820.9 | 12,121.3 | 10,616.5 | 9,653.4 | 9,089.4 | 8,442.0 | 7,304.7 | 6,760.3 | 6,516.2 | 6,294.8 | 6,365.4 | 6,279.9 | 6,518.2 | 6,682.6 | 6,285.1 | 6,047.8 | 5,818.4 | 5,618.2 | 4,899.6 | 4,403.7 | 3,623.4 | 3,139.1 | 2,448.5 | 2,137.5 | 1,906.3 | 1,775.1 |
Operating Expenses | 11,174.8 | 10,267.4 | 10,152.9 | 9,753.5 | 8,919.2 | 8,319.2 | 7,410.8 | 7,656.0 | 6,376.3 | 5,525.8 | 4,569.5 | 5,586.6 | 4,236.9 | 3,800.2 | 2,960.6 | 4,223.0 | 3,552.0 | 3,246.8 | 3,156.8 | 3,017.7 | 2,752.2 | 2,683.6 | 2,370.5 | 2,668.0 | 2,035.4 | 1,730.7 | 1,168.8 |
Total Expenditure | 11,174.8 | 10,267.3 | 10,152.9 | 9,753.5 | 8,919.2 | 8,319.2 | 7,410.8 | 7,656.0 | 6,376.3 | 5,525.8 | 4,569.5 | 5,586.6 | 4,236.9 | 3,800.2 | 2,960.6 | 4,223.0 | 3,552.0 | 3,246.8 | 3,156.8 | 3,017.7 | 2,752.2 | 2,683.6 | 2,370.5 | 2,668.0 | 2,035.4 | 1,730.7 | 1,168.8 |
Operating Profit Before Provisions and Contingencies | 6,570.9 | 6,477.0 | 5,460.4 | 5,709.2 | 5,557.1 | 4,987.8 | 3,940.7 | 4,823.3 | 4,584.3 | 3,914.4 | 4,512.5 | 3,738.1 | 8,728.5 | 4,663.1 | 4,455.9 | 3,157.9 | 3,128.5 | 2,777.0 | 2,908.4 | 2,156.8 | 1,786.7 | 1,751.9 | 1,523.8 | 1,545.2 | 1,529.2 | 1,440.2 | 1,244.6 |
Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Provisions and contingencies | 1,589.4 | 1,143.2 | 329.8 | 408.8 | 326.4 | 429.6 | 383.7 | 932.3 | 559.7 | 36.0 | 1,765.9 | 1,777.8 | 2,836.2 | 574.0 | 1,812.5 | 1,505.7 | 401.1 | 610.1 | 315.2 | 392.3 | 324.6 | 349.8 | 351.1 | 296.2 | 328.9 | 409.6 | 291.1 |
Profit Before Tax | 4,981.5 | 5,333.8 | 5,130.6 | 5,300.4 | 5,230.7 | 4,558.3 | 3,557.0 | 3,891.1 | 4,024.6 | 3,878.4 | 2,746.6 | 1,960.3 | 5,892.3 | 4,089.1 | 2,643.4 | 1,652.1 | 2,727.4 | 2,166.9 | 2,593.3 | 1,764.5 | 1,462.1 | 1,402.1 | 1,172.6 | 1,249.1 | 1,200.3 | 1,030.6 | 953.5 |
Tax | 1,229.0 | 1,315.5 | 1,261.6 | 1,054.1 | 1,302.4 | 1,132.3 | 878.3 | 430.3 | 1,004.2 | 1,093.3 | 714.6 | 270.6 | 1,102.1 | 870.3 | 635.3 | 428.9 | 825.5 | 447.5 | 690.1 | 582.1 | 508.8 | 487.9 | 404.4 | 418.6 | 411.1 | 348.2 | 335.2 |
Profit After Tax | 3,752.5 | 4,018.4 | 3,869.0 | 4,246.3 | 3,928.3 | 3,426.0 | 2,678.7 | 3,460.8 | 3,020.5 | 2,785.1 | 2,032.0 | 1,689.8 | 4,790.2 | 3,218.8 | 2,008.1 | 1,223.2 | 1,902.0 | 1,719.4 | 1,903.2 | 1,182.4 | 953.3 | 914.2 | 768.2 | 830.4 | 789.2 | 682.4 | 618.3 |
Net Profit | 3,752.5 | 4,018.4 | 3,869.0 | 4,246.3 | 3,928.3 | 3,426.0 | 2,678.7 | 3,460.8 | 3,020.5 | 2,785.1 | 2,032.0 | 1,689.8 | 4,790.2 | 3,218.8 | 2,008.1 | 1,223.2 | 1,902.0 | 1,719.4 | 1,903.2 | 1,182.4 | 953.3 | 914.2 | 768.2 | 830.4 | 789.2 | 682.4 | 618.3 |
ADDITIONAL INFOS: | |||||||||||||||||||||||||||
Equity Capital | 6,687.8 | 6,682.3 | 6,670.2 | 6,667.5 | 6,665.1 | 6,656.7 | 6,301.9 | 3,149.0 | 3,137.7 | 3,131.1 | 3,129.4 | 3,122.1 | 3,067.6 | 3,065.4 | 3,064.1 | 3,041.2 | 3,036.9 | 2,934.3 | 2,924.0 | 2,923.6 | 2,922.3 | 2,921.1 | 2,900.3 | 2,857.0 | 2,856.2 | 2,842.5 | 2,842.5 |
Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Capital Adequacy Ratio | 20.8 | 22.4 | 21.5 | 23.6 | 22.0 | 23.4 | 19.4 | 21.0 | 19.6 | 22.0 | 23.1 | 23.4 | 18.8 | 21.5 | 21.7 | 22.0 | 19.3 | 17.9 | 18.6 | 19.3 | 19.0 | 17.8 | 20.7 | 19.3 | 21.0 | 20.6 | 0.0 |
% of Net NPAs | 0.7 | 0.6 | 0.6 | 0.4 | 0.5 | 0.6 | 0.6 | 0.5 | 1.3 | 1.7 | 2.3 | 2.2 | 0.2 | 0.5 | 0.6 | 0.8 | 1.0 | 1.1 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.3 | 1.9 | 2.1 | 2.2 |
% of Gross NPAs | 2.0 | 1.9 | 1.8 | 1.7 | 1.8 | 1.9 | 2.0 | 2.0 | 2.6 | 3.2 | 4.3 | 4.3 | 1.0 | 1.5 | 1.7 | 1.7 | 1.9 | 2.0 | 2.1 | 2.0 | 2.1 | 2.0 | 2.2 | 2.0 | 2.8 | 3.1 | 3.0 |
Return on Assets | 0.4 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 | 0.3 | 1.1 | 0.7 | 0.5 | 0.3 | 0.5 | 0.5 | 0.6 | 0.4 | 0.4 | 0.4 | 0.4 | 0.7 | 0.5 | 0.5 | 0.4 |
EPS | 5.6 | 6.0 | 5.8 | 6.4 | 5.9 | 5.3 | 4.3 | 11.0 | 9.6 | 8.9 | 6.5 | 5.5 | 15.6 | 10.5 | 6.6 | 4.0 | 6.4 | 5.9 | 6.5 | 4.1 | 3.3 | 3.2 | 2.7 | 2.9 | 2.8 | 2.4 | 2.2 |
Operating Profit Margin | 3,185,418.5 | 2,956,426.8 | 2,773,367.5 | 2,607,822.5 | 2,412,872.2 | 2,239,562.5 | 1,979,262.9 | 1,978,320.2 | 1,772,012.2 | 1,595,564.2 | 1,537,599.8 | 1,568,917.5 | 1,924,446.6 | 1,498,064.9 | 1,409,828.5 | 1,366,511.2 | 1,272,743.6 | 1,184,122.2 | 1,168,238.4 | 1,007,309.7 | 894,161.3 | 805,786.7 | 703,238.2 | 666,072.8 | 570,115.1 | 507,621.3 | 418,765.4 |
Net Profit Margin | 13.7 | 15.9 | 15.7 | 18.7 | 18.5 | 17.2 | 14.7 | 20.8 | 20.2 | 19.8 | 15.0 | 13.1 | 38.0 | 26.5 | 17.0 | 10.3 | 17.1 | 16.6 | 19.9 | 13.5 | 12.1 | 13.4 | 12.8 | 15.6 | 17.0 | 16.6 | 17.1 |
The Industry Net Sales Growth stands at 25.02, vs the Net Sales Growth of 0.00, which results in a Negative aspect.
Type | Classic | Woodie | Camarilla |
---|---|---|---|
R4 | 637.40 | 648.04 | 620.94 |
R3 | 631.25 | 631.73 | 617.82 |
R2 | 625.10 | 625.34 | 616.78 |
R1 | 619.90 | 620.38 | 615.74 |
Pivot | 613.75 | 613.99 | 613.75 |
S1 | 608.55 | 609.03 | 613.66 |
S2 | 602.40 | 602.64 | 612.62 |
S3 | 597.20 | 597.68 | 611.58 |
S4 | 592.00 | 579.94 | 608.46 |
(All Values are in INR)
1 Day
1 Week
1 Month
Stoch RSI
48.27
Neutral
RSI
49.95
Neutral
ROC
3.12
Bullish
UltimateOscillator
50.07
Neutral
Williams Indicator
-41.95
Neutral
CCI Indicator
26.79
Neutral
MACD
-2,472.09
Bearish
Stochastic Indicator
65.18
Neutral
ATR
17.44
Low Volatility
Ex-Date | Ratio | Record Date |
---|---|---|
09-06-2022 | 1:1 | 10-06-2022 |
Ex-Date | Ratio | Record Date |
---|---|---|
Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
---|---|---|---|
14-07-2023 | 1.00 | 10 | Final |
28-07-2022 | 0.50 | 5 | Final |
Date Of Conduct | Board Meeting Details |
---|---|
24-04-2024 | Audited Results & Final Dividend |
25-01-2024 | Quarterly Results |
28-10-2023 | Quarterly Results |
22-07-2023 | Quarterly Results |
29-06-2023 | AU Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/06/2023 ,inter alia, to consider and approve 1. Raising of funds by issue of equity shares through private placement or qualified institutions placement (QIP) or preferential allotment or through a combination thereof or any other alternative mode, as may be considered appropriate, subject to shareholders approval and government/regulatory/ statutory approvals, and requirements, as applicable; and 2. Borrowing/raising of funds by issue of debt instruments including but not limited to Bonds and Non-Convertible Debentures or such other debt securities as may be permitted by RBI from time to time, subject to necessary approvals and requirements, as applicable. The Board would also consider convening annual general meeting and fix record date for dividend recommended by the Board at its meeting held on April 25, 2023. We request you to the take the above intimation on records and bring the above to the notice of all concerned. |
25-04-2023 | Audited Results |
25-04-2023 | Final Dividend & Audited Results |
19-01-2023 | Quarterly Results |
19-10-2022 | Quarterly Results |
08-08-2022 | Inter alia, to consider and approve the Issue price of Equity Shares to be issued pursuant to the Qualified institutions placement of equity shares of face value of Rs. 10 each, including a discount on the floor price, if any thereto as permitted under the SEBI ICDR Regulations and approved by the shareholders pursuant to a resolution dated August 17, 2021, for the Equity Shares to be allotted to qualified institutional buyers. |
29-07-2022 | Inter alia, to consider and approve the issue of Subordinated, Rated, Listed, Unsecured, Redeemable, Non-Convertible Bonds in form of subordinated debts categorized as Tier II Capital in compliance with Basel II framework on Capital Adequacy in one or more series. |
19-07-2022 | Quarterly Results Inter alia, to consider: a) Raising of funds by issue of equity shares through private placement or qualified institutions placement (QIP) or preferential allotment or through a combination thereof or any other alternative mode, as may be considered appropriate, subject to shareholders approval and government/regulatory/ statutory approvals, and requirements, as applicable; and b) Borrowing/raising of funds by issue of debt instruments including but not limited to Bonds and Non-Convertible Debentures or such other debt securities as may be permitted by RBI from time to time, subject to necessary approvals and requirements, as applicable |
26-04-2022 | Final Dividend & Bonus issue & Audited Results |
28-01-2022 | Quarterly Results |
28-10-2021 | Quarterly Results |
06-08-2021 | Quarterly Results |
30-04-2021 | Board Meeting is rescheduled for 30.04.2021 |
29-04-2021 | Audited Results (Revised) |
26-04-2021 | Audited Results |