Jun. 22 at 11:14 AM
$AUBANK.NSE
Fundamental View-
$AU Small Finance Bank (
$AUBANK) is India’s largest small finance bank with a strong presence in retail and MSME lending. As of FY24, the bank reported a revenue of over ₹11,200 crore and a net profit of approximately ₹1,450 crore, reflecting a healthy growth trajectory. It maintains a strong Net Interest Margin (NIM) of around 5.9%, showcasing operational efficiency well above the industry average. With a Gross NPA of 1.6% and Net NPA of 0.4%, the bank continues to display stable asset quality. Its CASA ratio of about 36% and capital adequacy ratio of 22% reflect a robust financial position. AU Bank has a well-diversified loan book exceeding ₹65,000 crore, and its Return on Equity (ROE) stands near 13.5%, supported by consistent growth in the customer base and branch expansion. Backed by strong digital capabilities, disciplined risk management, and steady performance, AU Small Finance Bank is well-positioned for long-term sustainable growth in India’s evolving financial landscape.
Technical View-
As seen in the daily chart,
$AUBANK continues its strong uptrend, consistently forming higher highs and higher lows. The stock is trading above its 14, 55, and 200-day EMAs across daily, weekly, and monthly timeframes, showing strong technical support. The Parabolic SAR dots remain below the price, confirming that the bullish momentum is still intact. Additionally, the MACD indicator shows the MACD line above the signal line in the positive zone, further supporting the upward momentum.
However, the RSI is currently above 70, indicating the stock is trading in the overbought zone, which may lead to a short-term correction. Fundamentally, the company appears solid and is gradually strengthening its market position. Historically, the stock made a high of ₹813.40 on 9th Jan 2024, and recently reached ₹808 on 19th June 2025. It is currently trading near ₹795.
Given the geopolitical uncertainties, there could be minor corrections ahead. A dip towards ₹775–₹780 could offer a good buying opportunity for a short- to medium-term target of ₹850, with a suggested stop-loss at ₹725.
