A significant player in the Indian banking industry, AU Small Finance Bank provides a variety of financial services and products to its clients. The bank has gone a long way since its founding in 1996 as a non-banking financing firm, and in 2017 it was granted permission by the Central Bank of India to function as a scheduled commercial bank (RBI).
AU Small Finance Bank’s business operations have grown significantly in recent years as a result of its strong digital skills, emphasis on the needs of its customers, and reliable risk management framework. The bank has thus been able to increase its market share across a variety of industries, including retail, small and medium-sized businesses (SMEs), and agriculture.
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ASF BANK IN RECENT NEWS
- Institutional investors, who hold 51% of the shares, have shown a preference for AU Small Finance Bank Limited (NSE:AUBANK).
- AU Small Finance Bank offers the opportunity to earn up to 8.50 percent* p.a. interest on Fixed Deposits.
ASF BANK SHARE PRICE TARGET 2023
| ASF BANK SHARE PRICE TARGET 2023 | Maximum Price | Minimum Price |
| April 2023 | ₹569.45 | ₹438.04 |
| May 2023 | ₹474.54 | ₹365.03 |
| June 2023 | ₹569.45 | ₹438.04 |
| July 2023 | ₹683.34 | ₹525.65 |
| August 2023 | ₹751.67 | ₹578.21 |
| September 2023 | ₹789.26 | ₹607.12 |
| October 2023 | ₹751.67 | ₹578.21 |
| November 2023 | ₹826.84 | ₹636.03 |
| December 2023 | ₹926.06 | ₹712.36 |
Au Small Finance Bank (ASFB) is expected to witness a mix of ups and downs in the share prices in 2023. In April 2023, the Maximum Price is expected to be around INR 569.45, while the Minimum Price is expected to be around INR 438.04. This may indicate volatility in the share price.
However, May 2023 is likely to witness a dip in the share price, with the Maximum Price expected to be around INR 474.54 and the Minimum Price expected to be around INR 365.03.
From July 2023, the share price is expected to rise steadily, with the Maximum Price reaching around INR 683.34 in July and further increasing to around INR 926.06 in December. The Minimum Price is also expected to rise during this period, from around INR 525.65 in July to around INR 712.36 in December.
September 2023 is expected to be a good month for ASFB shares, with the Maximum Price reaching around INR 789.26, while the Minimum Price is expected to be around INR 607.12.
ASF BANK SHARE PRICE TARGET 2024
| ASF BANK SHARE PRICE TARGET 2024 | Maximum Price | Minimum Price |
| January 2024 | ₹974.80 | 1037.03 |
| February 2024 | ₹1,095.28 | ₹912.74 |
| March 2024 | ₹1,152.93 | ₹937.34 |
| April 2024 | ₹1,048.12 | ₹806.24 |
| May 2024 | ₹873.43 | ₹671.87 |
| June 2024 | ₹1,048.12 | ₹806.24 |
| July 2024 | ₹890.90 | ₹690.62 |
| August 2024 | ₹979.99 | ₹777.77 |
| September 2024 | ₹1,028.99 | ₹791.53 |
| October 2024 | ₹1,210.58 | ₹931.21 |
| November 2024 | ₹1,271.11 | ₹977.77 |
| December 2024 | ₹1,296.53 | ₹997.33 |
In January 2024, the Maximum Price is expected to be around INR 974.80, while the Minimum Price is expected to be around INR 1037.03. The following months show an upward trend with the Maximum Price expected to reach INR 1,095.28 in February, INR 1,152.93 in March, and INR 1,048.12 in April. However, May 2024 is expected to witness a dip in the share price with the Maximum Price expected to be around INR 873.43 and the Minimum Price expected to be around INR 671.87. The share price is expected to rise again in June with the Maximum Price reaching INR 1,048.12, similar to that of April. From July 2024, the share price is expected to rise steadily with the Maximum Price reaching around INR 1,271.11 in November and INR 1,296.53 in December. The Minimum Price is also expected to rise during this period, from around INR 690.62 in July to around INR 997.33 in December.
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ASF BANK SHARE PRICE TARGET 2025
| ASF BANK SHARE PRICE TARGET 2025 | Maximum Price | Minimum Price |
| January 2025 | ₹1,322.46 | ₹1,017.28 |
| February 2025 | ₹1,392.06 | ₹1,070.82 |
| March 2025 | ₹1,461.66 | ₹1,124.36 |
| April 2025 | ₹1,305.06 | ₹1,003.89 |
| May 2025 | ₹1,186.42 | ₹912.63 |
| June 2025 | ₹1,305.06 | ₹1,003.89 |
| July 2025 | ₹1,242.91 | ₹956.09 |
| August 2025 | ₹1,294.70 | ₹995.92 |
| September 2025 | ₹1,359.43 | ₹1,045.72 |
| October 2025 | ₹1,441.00 | ₹1,108.46 |
| November 2025 | ₹1,541.87 | ₹1,186.05 |
| December 2025 | ₹1,572.71 | ₹1,209.78 |
In January 2025, the maximum share price target is ₹1,295.06, and the minimum share price target is ₹998.31. In February 2025, the maximum share price target is ₹1,391.18, and the minimum share price target is ₹1,071.28. In March 2025, the maximum share price target is ₹1,487.30, and the minimum share price target is ₹1,144.25. In April 2025, the maximum share price target is ₹1,374.34, and the minimum share price target is ₹1,058.39. In May 2025, the maximum share price target is ₹1,212.76, and the minimum share price target is ₹932.60. In June 2025, the maximum share price target is ₹1,308.88, and the minimum share price target is ₹1,005.57. In July 2025, the maximum share price target is ₹1,274.70, and the minimum share price target is ₹980.29. In August 2025, the maximum share price target is ₹1,392.06, and the minimum share price target is ₹1,070.82. In September 2025, the maximum share price target is ₹1,441.00, and the minimum share price target is ₹1,108.46. In October 2025, the maximum share price target is ₹1,607.75, and the minimum share price target is ₹1,237.45. In November 2025, the maximum share price target is ₹1,724.12, and the minimum share price target is ₹1,327.98. In December 2025, the maximum share price target is ₹1,740.94, and the minimum share price target is ₹1,341.98.
ASF BANK SHARE PRICE TARGET 2026 TO 2030
| ASF BANK SHARE PRICE TARGET BY | Maximum Price | Minimum Price |
| 2026 | ₹1,100.90 | ₹770.63 |
| 2027 | ₹935.76 | ₹655.03 |
| 2028 | ₹1,684.37 | ₹1,179.06 |
| 2029 | ₹3,459.96 | ₹2,421.97 |
| 2030 | ₹3,853.14 | ₹2,697.19 |
In 2026, the maximum and minimum share price targets are ₹1,100.90 and ₹770.63, respectively. In 2027, the maximum and minimum share price targets are ₹935.76 and ₹655.03, respectively. In 2028, the maximum and minimum share price targets are ₹1,684.37 and ₹1,179.06, respectively. In 2029, the maximum and minimum share price targets are ₹3,459.96 and ₹2,421.97, respectively. In 2030, the maximum and minimum share price targets are ₹3,853.14 and ₹2,697.19, respectively.
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FINANCIAL STRENGTH OF AU SMALL FINANCE BANK (2018 TO 2022)
| ANNUAL | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
| Total Income | 6,915.43 | 6,401.60 | 4,991.98 | 3,411.04 | 2,155.25 |
| Total Income Growth (%) | 8.03 | 28.24 | 46.35 | 58.27 | 3.12 |
| Provisions & Contingencies | 685.21 | 987.88 | 522.39 | 340.10 | 283.87 |
| Provisions & Contingencies Growth (%) | -30.64 | 89.11 | 53.60 | 19.81 | -32.22 |
| Profit after Tax (PAT) | 1,129.83 | 1,170.68 | 674.78 | 381.81 | 292.04 |
| PAT Growth (%) | -3.49 | 73.49 | 76.73 | 30.74 | -64.47 |
| Net Interest Margin (%) | 4.68 | 4.58 | 4.52 | 4.11 | 4.99 |
| Net Profit Margin (%) | 19.07 | 23.64 | 15.74 | 12.94 | 16.52 |
| Basic EPS (₹) | 36.06 | 38.19 | 22.78 | 13.16 | 10.26 |
Based on the financial statement provided, Au Small Finance Bank has shown a steady growth in its total income over the last five years. The company’s total income has increased from ₹2,155.25 crore in FY 2018 to ₹6,915.43 crore in FY 2022, representing a growth of 220.97% over the five-year period. The company’s provisions and contingencies have also increased over the years, with a maximum of ₹987.88 crore in FY 2021 and a minimum of ₹283.87 crore in FY 2018. However, the provisions and contingencies have decreased by 30.64% in FY 2022 as compared to the previous year.
Au Small Finance Bank’s profit after tax (PAT) has also shown significant growth over the years, with a maximum of ₹1,170.68 crore in FY 2021 and a minimum of ₹292.04 crore in FY 2018. However, there was a slight decline in PAT in FY 2022 as compared to the previous year. The company’s net interest margin has been consistent over the years, ranging from 4.11% in FY 2019 to 4.68% in FY 2022. The net profit margin has also been consistent, ranging from 12.94% in FY 2019 to 23.64% in FY 2021.
Overall, Au Small Finance Bank has shown a positive trend in terms of its revenue growth and profit growth over the last five years. The company has also maintained a consistent net interest margin and net profit margin, which are indicators of the company’s efficiency in managing its operations. However, the company’s provisions and contingencies have shown fluctuations over the years, which is an area that the company may need to focus on in the future.
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FAQ’s
What is the maximum share price target of Au Small Finance Bank in 2026?
The maximum share price target of Au Small Finance Bank in 2026 is Rs. 1100.90
What is the maximum share price target of Au Small Finance Bank in 2027?
The maximum share price target of Au Small Finance Bank in 2027 is Rs. 935.76
CONCLUSION: AU SMALL FINANCE BANK SHARE PRICE TARGET
Au Little Financial Bank has demonstrated consistent growth in its income, PAT, revenue, and profit growth based on its financial statements over the previous five years. The bank maintained its development trajectory despite the COVID-19 pandemic, with revenue growing by 8.03% and PAT growing by -3.49% in the fiscal year 2022. Also, the bank has been able to keep up a strong net profit and interest margin. Investors should be aware that the bank’s provisions and contingencies have historically seen large volatility, which could have an impact on the bank’s bottom line going forward. Notwithstanding the bank’s constant success in the past, prospective investors should do their own research and analysis before making any judgements about their investments.
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