AU Small Finance Bank: Share Price Target 2025, Services, and ATM, IFSC CODE, ATM and More
AU Small Finance Bank has emerged as a significant player in
This article dives into the AU Small Finance Bank share price, its target for 2025, the Fincare merger, and essential services like net banking, current accounts, and how to locate branches or ATMs near you. Whether you’re an investor or a customer, this comprehensive guide provides valuable insights optimized for your needs.
AU Small Finance Bank Share Price Today
As of April 2025, the share price of AU Small Finance Bank Ltd. is
approximately 623.60 on the NSE and 627.00 on the BSE, according to recent
market data. The stock has experienced fluctuations over the past year, with a
52-week high of around 813.00 and a 52-week low of 478.35. Despite a
year-to-date decline of about 13%, the stock has shown resilience with a recent
rally of 3.45% following strong Q4 FY25 deposit growth of 10.7%, reaching 1,24,270
crore.
Current AU Bank Share Price and Key Metrics
AU Small Finance Bank’s stock is trading at 613.80 on the BSE,
reflecting a slight dip of 1.57% from
the previous close. Key metrics include:
·
52-Week Range: 478.35 – 755.40
·
Market Capitalization: 45,699 Crores
·
P/E Ratio: 23.16 (sector average: 21.21)
·
Dividend Yield: 0.16%
·
Book Value Per Share: 229
·
ROE (Return on Equity): 14.2%
The bank’s recent merger with Fincare Small Finance Bank (effective April 1, 2024) has strengthened its asset base, customer reach, and capital adequacy ratio (20.06% in FY25 vs. 18.01% in FY24).
| Brokerage | Rating | Target Price | Upside Potential |
|---|---|---|---|
| Goldman Sachs | BUY | 800 | 30% |
| Motilal Oswal | BUY | 725-830 | 19.1% - 35% |
| ICICI Securities | BUY/HOLD | 725 | 18.5% |
| Axis Direct | BUY | 62-730 | 1.4% - 18.5% |
| Ventura Securities | BUY | 675 | 10.1% |
| Emkay Global | SELL | 635 | 2% |
Analyst
Consensus: Price Targets for 2025
Analysts
remain divided on AU Small Finance Bank’s short-term prospects, but long-term
optimism prevails. Here’s a breakdown of 2025 targets:
The bank’s market capitalization stands at approximately 46,682 crore,
classifying it as a mid-cap company. Its price-to-earnings (P/E) ratio is
23.66, a 56% premium compared to its peers’ median of 15.14, and the
price-to-book (P/B) ratio is 2.83, reflecting a 130% premium over the peer
median of 1.23. These metrics suggest that the market perceives AU Small
Finance Bank as a growth-oriented stock, though it trades at a higher valuation
than its competitors.
Factors Influencing AU Small Finance Bank Share Price
Several factors impact the share price of AU Small Finance Bank:
1. Financial
Performance: The bank reported a 32% profit growth to 2,106 crore in
FY25, with a 27% increase in deposits and a 20% rise in gross advances.
However, a slight decline in the CASA (Current and Savings Account) ratio to
29.2% as of March 31, 2025, indicates a shift toward term deposits, which could
affect net interest margins.
2. Market
Sentiment: The broader banking sector, including the Nifty Bank index,
has shown bullish momentum, with gains of 5.95% in recent months. AU Small
Finance Bank’s stock has benefited from this trend, though it underperformed
the Indian market’s 6.3% return over the past year.
3. Analyst
Ratings: The average broker rating for AU Small Finance Bank is “Buy,”
with Goldman Sachs setting an optimistic target of 796, citing a projected 31%
CAGR in earnings. The median 12-month target price from 24 analysts is 652.21,
with forecasts ranging from 500 to 924.
4. Strategic
Initiatives: The merger with Fincare Small Finance Bank, effective
April 1, 2024, has bolstered AU’s geographic reach and customer base,
contributing to positive investor sentiment.
5. Macroeconomic
Factors: Interest rate changes, regulatory policies, and economic
growth influence the banking sector. AU Small Finance Bank’s recent reduction
in fixed deposit rates by 10 basis points for 18-month tenures to 8% for
general citizens reflects sensitivity to monetary policy shifts.
AU Small Finance Bank Share Price Target 2025
Predicting the share price target for 2025 involves analyzing historical
performance, analyst forecasts, and market trends. Based on available data, the
consensus among analysts points to a positive outlook for AU Small Finance
Bank, driven by its strong fundamentals and strategic growth initiatives.
Analyst Price Targets for 2025
·
Goldman Sachs: Maintains a
“Buy” rating with a target of 796, projecting robust earnings growth and a 31%
compound annual growth rate (CAGR).
·
Average Analyst Target: The
average one-year price target is 680.42, with a range between 505 and 924, as
reported by market analysts.
·
Brokerage Insights: A brokerage
report from March 2025 suggests a target of 650, citing the bank’s 27.2%
year-on-year deposit growth and stable credit ratings reaffirmed by CRISIL (AA
for long-term debt instruments).
Key Drivers for 2025 Share Price Growth
1. Fincare
Merger Benefits: The merger has expanded AU’s customer base to over 59
lakh and enhanced its presence in South India, complementing its strong
foothold in North and
2. Focus
on Retail and Microfinance: AU’s strategic emphasis on secured retail
assets and government-backed microfinance is likely to improve asset quality
and diversify revenue streams, boosting investor confidence.
3. Deposit
Growth: The bank’s total deposits reached 1,24,270 crore by March 31,
2025, a 27.2% year-on-year increase. Continued deposit mobilization,
particularly in low-cost CASA deposits, could enhance profitability. Also Check ITC Share Price Target 2025
4. Capital
Raising Plans: AU Small Finance Bank plans to raise 8 billion through
Tier II bonds, signaling confidence in its growth strategy. The board also
approved a 1,500 crore issuance of subordinated bonds in March 2025.
5. Technological
Advancements: Investments in digital banking and net banking services
are expected to attract tech-savvy customers, supporting long-term growth.
Risks to Share Price Targets
·
Asset Quality Concerns:
Analysts have noted the need to monitor asset quality trends, as any
deterioration could impact profitability.
·
High Valuation: The stock’s
premium valuation (P/E of 23.66) makes it vulnerable to market corrections if
earnings growth slows.
·
Regulatory Changes: Tightening
monetary policies or changes in banking regulations could affect margins and
growth.
Share Price Target Estimate for 2025
Considering the bullish analyst ratings, strong financial performance, and strategic initiatives, AU Small Finance Bank’s share price could realistically target between 650 and 800 by the end of 2025.
A conservative estimate aligns
with the median target of 680, while an optimistic scenario, driven by
successful merger integration and sustained deposit growth, could push the
price closer to 796, as projected by Goldman Sachs. Investors should conduct
thorough research and consult financial advisors before making investment
decisions. Check Suzlon Share Price Target 2025
AU Small Finance Bank
The merger of AU Small Finance Bank with Fincare Small Finance Bank,
effective April 1, 2024, marks a pivotal milestone in AU’s growth journey. The
merger aims to create a pan-India retail banking franchise by combining AU’s
strengths in North and West India with Fincare’s strong presence in
Key Highlights of the Merger
·
Customer Base Expansion:
Post-merger, AU serves over 59 lakh customers, gaining access to Fincare’s customer
base and distribution network.
·
Technological Integration:
Fincare customers now benefit from AU’s advanced technological services,
including flagship products like savings accounts, fixed deposits, and digital
banking platforms.
·
Interest Rate Alignment: As of
April 1, 2024, AU’s interest rates apply to new savings accounts and fixed
deposits for Fincare customers. Existing Fincare fixed deposits booked before
the merger continue at their original rates until maturity.
·
Strategic Vision: AU’s vision,
“AU@2027,” focuses on seamless integration within 9-12 months, aiming for full
integration by March 2025. The merger enhances revenue, distribution
efficiency, and deposit growth.
Impact on Share Price
The Fincare merger has contributed to positive investor sentiment, as
evidenced by the stock’s 3.45% rally following the announcement of strong Q4
FY25 deposit growth. The expanded geographic reach and customer base are
expected to drive long-term revenue growth, supporting the bullish outlook for
2025.
AU Small Finance Bank Net Banking
AU Small Finance Bank offers a robust net banking platform, enabling
customers to manage their finances conveniently. The platform is designed for
ease of use, security, and accessibility, catering to both individual and
business customers. ALso Check Bandhan Bank Share Price Target 2025
Features of AU Small Finance Bank Net Banking
·
Account Management: View
account balances, transaction history, and download statements.
·
Fund Transfers: Perform instant
transfers via NEFT, RTGS, or IMPS.
·
Bill Payments: Pay utility
bills, credit card bills, and insurance premiums.
·
Fixed Deposits: Open and manage
fixed deposits online.
·
Loan Services: Apply for loans,
track loan applications, and make EMI payments.
·
Security: Multi-factor
authentication and encryption ensure safe transactions.
How to Register for Net Banking
1. Visit
the official AU Small Finance Bank website (www.aubank.in).
2. Click
on “Login” and select “Net Banking.”
3. Choose
“Register” and enter your customer ID, account number, and registered mobile
number.
4. Verify
your identity using the OTP sent to your mobile.
5. Set
a secure login password and complete the registration.
Benefits of Net Banking
·
24/7 Access: Manage your
finances anytime, anywhere.
·
Convenience: Avoid branch
visits for routine transactions.
·
Eco-Friendly: Reduce paperwork
with digital statements and transactions.
For assistance, contact AU Small Finance Bank’s customer care at
1800-1200-1200.
AU Small Finance Bank IFSC Code
The Indian Financial System Code (IFSC) is essential for online fund
transfers. AU Small Finance Bank’s IFSC codes follow a standard format: AUBL0XXXXXX,
where the last six digits vary by branch.
How to Find AU Small Finance Bank IFSC Code
1. Bank
Website: Visit www.aubank.in, navigate to the “Locate Us” section, and
select your branch to find the IFSC code.
2. Passbook/Chequebook:
The IFSC code is printed on your passbook or chequebook.
3. Net
Banking: Log in to your net banking account and check branch details.
4. Customer
Care: Call 1800-1200-1200 for assistance.
For example, the IFSC code for the Jaipur main branch is AUBL0002011.
Use the correct IFSC code to ensure seamless NEFT, RTGS, or IMPS transactions.
AU Small Finance Bank Current Account
AU Small Finance Bank offers a range of current accounts tailored for
businesses, entrepreneurs, and professionals. These accounts provide high
transaction limits, digital banking access, and value-added services.
Types of Current Accounts
1. Smart
Business Account: Designed for small businesses, offering free
transactions and low minimum balance requirements.
2. Elite
Current Account: For medium to large businesses, with higher
transaction limits and premium services.
3. Custom
Current Account: Tailored for specific business needs, with flexible
features.
Features of AU Small Finance Bank Current Account
·
High Transaction Limits:
Unlimited free transactions for select accounts.
·
Digital Banking: Access to net
banking, mobile banking, and UPI.
·
Overdraft Facility: Available
for eligible customers to manage cash flow.
·
Cash Deposit Limits: Generous
limits for cash deposits at branches.
·
Value-Added Services: Free
demand drafts, cheque collections, and POS terminals for businesses.
How to Open a Current Account
1. Visit
a nearby AU Small Finance Bank branch or apply online at www.aubank.in.
2. Submit
KYC documents (PAN, Aadhaar, business proof, address proof).
3. Provide
business registration documents (GST certificate, partnership deed, etc.).
4. Maintain
the minimum balance as per the account type.
Current accounts are ideal for businesses seeking efficient cash flow
management and seamless banking services.
AU Small Finance Bank Near Me
Finding an AU Small Finance Bank branch or ATM is easy, thanks to its
extensive network across
How to Locate AU Small Finance Bank Branches and ATMs
1. Bank
Website: Visit www.aubank.in, click on “Locate Us,” and enter your
city or PIN code to find nearby branches and ATMs.
2. Mobile
App: Download the AU0101 app, available on iOS and Android, and use
the branch locator feature.
3. Google
Maps: Search “AU Small Finance Bank near me” or “AU Small Finance Bank
ATM near me” for real-time directions.
4. Customer
Care: Call 1800-1200-1200 for assistance in locating the nearest
branch or ATM.
AU Small Finance Bank in Jaipur
As the bank’s headquarters, Jaipur hosts several branches and ATMs. Key
locations include:
·
Main Branch: Vaishali Nagar,
Jaipur (IFSC: AUBL0002011).
·
C-Scheme Branch: Ashok Marg,
C-Scheme, Jaipur.
·
ATM Locations: Available across
major areas like
Use the bank’s website or app to get exact addresses and operating hours for
branches in Jaipur or other cities.
AU Small Finance Bank ATM Near Me
AU Small Finance Bank’s ATM network supports cash withdrawals, balance
inquiries, and other services. Post-merger, the bank has integrated Fincare’s
ATMs, expanding its reach.
How to Find an ATM
·
Website: Use the “Locate Us”
feature on www.aubank.in.
·
Mobile App: The AU0101 app
provides ATM locations with navigation support.
·
Third-Party Apps: Apps like
Google Maps or banking aggregators list AU Small Finance Bank ATMs.
ATM Services
·
Cash withdrawals and deposits.
·
Balance inquiries and mini-statements.
·
PIN change and cardless transactions (via UPI).
For ATM-related issues, contact customer care or visit a nearby branch.
Why Choose AU Small Finance Bank?
AU Small Finance Bank stands out for its customer-centric approach,
innovative products, and strong financial performance. Here’s why it’s a
preferred choice for customers and investors:
·
Diverse Product Portfolio: From
savings accounts to loans and insurance, AU offers comprehensive banking
solutions.
·
Digital Excellence: The bank’s
net banking and mobile app ensure seamless transactions.
·
Growth Potential: The Fincare
merger and strategic focus on retail and microfinance position AU for sustained
growth.
·
Customer Support: 24/7 customer
care and a widespread branch network enhance accessibility.
Conclusion
AU Small Finance Bank has solidified its position as a leading small finance
bank in
Whether you’re an investor eyeing the stock’s potential or a customer
seeking reliable banking services in Jaipur or beyond, AU Small Finance Bank offers
compelling opportunities.
For the latest share price updates, visit www.nseindia.com or
www.bseindia.com. To explore banking services or locate a branch/ATM, head to
www.aubank.in. Always conduct thorough research and consult financial advisors
before investing.
Disclaimer: Stock market investments are subject to risks. Past performance does not guarantee future results. Verify all banking details directly with AU Small Finance Bank.
