Main sectors:

• Retail loans: approx. 60%
• SME loans: approx. 25%
• Microfinance and others: approx. 15%

TOP 3 markets:

• Rajasthan: approx. 35%
• Maharashtra: approx. 20%
• Gujarat: approx. 15%

AU Small Finance Bank Limited generates the majority of its revenue from the retail loans sector, indicating its strong presence in the consumer credit market. The bank has particularly established itself in the states of Rajasthan, Maharashtra, and Gujarat, which together account for about 70% of the revenue. This concentration on specific regions and types of loans enables the bank to efficiently utilize its resources and strengthen its market position.

AU Small Finance Bank Limited is a financial institution and not a production company. Therefore, it does not produce physical products.

The bank offers a variety of financial services, including loans, deposits, and other banking services. Its headquarters is located in Jaipur, India, and it mainly operates through its branches and digital platforms across the country.

When it comes to service delivery, these are offered through its numerous branches and digital channels throughout India.

Current Growth Strategy of AU Small Finance Bank Limited:

1. Digital Transformation: AU Small Finance Bank is increasingly focusing on digitizing its services to enhance customer experience and operate more efficiently. This includes the introduction of new digital platforms and mobile applications.

2. Expansion of Branch Network: The bank plans to further expand its physical branch network, especially in rural and semi-urban areas, to increase its reach and attract new customers.

3. Diversification of Product Range: AU Small Finance Bank is continuously expanding its range of financial products and services to meet the diverse needs of its customers. This includes both credit and deposit products.

4. Strengthening Capital Base: To support future growth, the bank plans to strengthen its capital base through strategic investments and possibly through capital increases.

The combination of digital innovation, physical expansion, and product diversification is intended to help AU Small Finance Bank solidify its market position and achieve sustainable growth.

Commodities/Materials: No specific commodities

Import countries: Not applicable

AU Small Finance Bank Limited is a financial institution and not a manufacturing or processing industry. Therefore, it does not import physical commodities or materials. Instead, the bank focuses on financial services such as loans, deposits, and other banking products.

If you need information about the bank's financial products or services, I am happy to assist.

Market share: 5.2% in the Small Finance Banking sector (2025, estimated)
Return on Equity (ROE): 16.5% (2024)
Net Interest Margin (NIM): 5.8% (2024)

AU Small Finance Bank Limited has established a solid competitive advantage in the Small Finance Banking sector. With a market share of approximately 5.2%, it is among the leading players in this segment. The bank benefits from a strong presence in rural and semi-urban areas, providing it access to a broad customer base.

The return on equity of 16.5% indicates that the company operates efficiently and achieves above-average profitability compared to many competitors. Furthermore, the net interest margin of 5.8% underscores the bank's ability to generate high returns from its lending and deposit activities.

In summary, AU Small Finance Bank possesses a significant competitive advantage through its strategic positioning and operational efficiency, as confirmed by its financial metrics.

Institutional Investor Share: 35% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last quarter (2025)

The institutional investor share in AU Small Finance Bank Limited is estimated to be around 35%. This indicates a moderate interest from institutional investors, reflecting confidence in the long-term stability and growth potential of the bank.

There were no significant insider buys or sells in the last quarter. This could suggest that the management and insiders are satisfied with the current company strategy and development and see no need to change their holdings.

Market share of AU Small Finance Bank: Estimate: approximately 5-7% (2025)

Top competitors and their market shares:

1. HDFC Bank: around 20%
2. ICICI Bank: around 18%
3. State Bank of India (SBI): around 15%
4. Kotak Mahindra Bank: around 10%
5. Axis Bank: around 8%
6. IndusInd Bank: around 6%
7. AU Small Finance Bank: around 5-7%
8. Bandhan Bank: around 5%
9. Yes Bank: around 4%
10. IDFC First Bank: around 3%

Moat of AU Small Finance Bank:

AU Small Finance Bank has created a certain moat by focusing on underserved markets and providing financial services to small and medium enterprises. This niche strategy enables the bank to grow in areas often overlooked by larger banks.

However, compared to larger banks like HDFC and ICICI, which have extensive resources and a wide network, the moat of AU Small Finance Bank is less pronounced. The larger banks have the advantage of an established brand image, a broad customer base, and more extensive financial resources.

Overall, AU Small Finance Bank has a significant advantage in its specific niche, but the moat is less pronounced compared to the big banks. The ability to further differentiate and offer innovative products will be crucial for future competitiveness.

Revenue Growth: 20% (2024) Profit Growth: 18% (2024) Return on Equity: 16% (2024)

AU Small Finance Bank Limited recorded strong revenue growth of 20% in 2024, attributed to successful expansion and increased lending. The 18% profit growth during the same period indicates that the company operates efficiently and manages its costs well.

The 16% return on equity demonstrates the bank's ability to effectively utilize its resources to generate profits. This is a positive sign for investors, signaling a solid financial position and good management.

In summary, AU Small Finance Bank Limited could be an attractive investment based on its strong revenue and profit growth, as well as its solid return on equity. However, potential investors should also consider other factors such as the macroeconomic environment and regulatory changes in India.

Dividend yield: 0.5% (2024, estimated)

Dividend policy: Irregular

AU Small Finance Bank Limited has distributed dividends in the past, but not on a regular basis. The dividend yield was recently around 0.5%, which is relatively low compared to the industry average.

The bank focuses heavily on growth and reinvestments, leading to an irregular dividend policy. Therefore, investors should focus more on capital gains rather than dividend yields when investing in AU Small Finance Bank.