Au Small Finance Bank Limited
AU Small Finance Bank Limited is an Indian scheduled commercial small finance bank and India’s largest tech-led small finance bank, based in Jaipur. It was founded as vehicle finance company and NBFC, AU Financiers (India) Ltd in 1996 and converted i...
Key Metrics
EPS
22.93
Current ratio
0.07
Debt/Equity
7.71
Debt/EBITDA
43.54
Interest coverage ratio
-
Operating Cashflow to total debt
0.03
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Adequate capitalisation
Sustained ramp-up in deposit franchise
Demonstrated track record of maintaining better than average asset quality metrics
Adequate profitability
Liquidity: Strong
Cons
CASA, though improving, remains low as a proportion of overall liabilities in comparison with larger private banks
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About Au Small Finance Bank Limited bond.
This comprehensive profile covers key factual information about Au Small Finance Bank Limited. AU Small Finance Bank Limited is an Indian scheduled commercial small finance bank and India’s largest tech-led small finance bank, based in Jaipur. It was founded as vehicle finance company and NBFC, AU Financiers (India) Ltd in 1996 and converted into a full-fledged small finance bank on 19 April 2017. The same year, AU Small Finance Bank first became a Fortune India 500 Company, and got listed on National Stock Exchange (NSE) & Bombay Stock Exchange (BSE). AU Small Finance Bank ranked 355 in the list of Fortune India 500 (2019) companies, with total B/S assets of ₹31,198.68 crore (US$3.7 billion). AU Bank enjoys long term credit rating of "AA-/Stable" from CRISIL Ratings, ICRA Ratings, India Ratings[9] and CARE Ratings. As a small finance bank, AU Small Finance Bank serves low and middle income individuals and micro and small businesses that have limited or no access to formal banking and finance channels. The Bank offers loans, deposits and payment products and services. With effect from April 1, AU Small Finance Bank has successfully acquired Fincare Small Finance Bank, the first merger of its kind involving small finance banks. EPS in Mar-2024 was 22.93. Current ratio in Mar-2024 was 0.07. Debt/Equity in Mar-2024 was 7.71. Debt/EBITDA in Mar-2024 was 43.54. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.03. Total revenue for Mar-2025 (E) was ₹14868.35. Net income for Mar-2025 (E) stood at ₹1768.78. Total assets as of Mar-2024 were ₹109,425.66. Total liabilities as of Mar-2024 were ₹96,866.13. Operating cash flow for Mar-2024 was ₹2,608.07. Peers and comparison entities consist of AU Small Finance Bank Limited, Bajaj Finance Limited, Jio Financial Services Limited, Shriram Finance Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Adequate capitalisation; Sustained ramp-up in deposit franchise; Demonstrated track record of maintaining better than average asset quality metrics; Adequate profitability; Liquidity: Strong. Key risks include: CASA, though improving, remains low as a proportion of overall liabilities in comparison with larger private banks. Leadership team details include Ankur Tripathi (Chief Information Officer), Ashok Kumar Khandelwal (Chief Compliance Officer), Deepak Jain (Chief Risk Officer), Divya Sehgal (Non Executive Non Independent Director), Farhan Ahmed (Chief Vigilance Officer), H R Khan (Chairman & Independent Director), Kamlesh Shivji Vikamsey (Independent Director), Kavita Venugopal (Independent Director), Malini Thadani (Independent Director), Mankal Shankar Sriram (Independent Director), Manmohan Parnami (Company Secretary & Compliance Officer), Manoj Tibrewal (Head), Pushpinder Singh (Independent Director), Rajeev Yadav (Deputy Chief Executive Officer), Rishi Dhariwal (Group Head), Sanjay Agarwal (Managing Director & CEO), Uttam Tibrewal (Whole Time Director), V G Kannan (Independent Director), Vimal Jain (Chief Financial Officer), Vinay Vaish (Head - Internal Audit), Yogesh Jain (Chief Operating Officer). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.