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Top Small Finance Bank Stocks in India

24 May 2022

Small finance banks are a specific segment of banking that caters to the un-served and underserved segments of society. These banks do not operate as full-fledged commercial banks and their services are limited to primarily undertaking basic banking activities such as acceptance of deposits and lending. 

Some of the customers of these banks are small business units, small and marginal farmers, and micro and small enterprises.

Here’s a list of top small finance bank stocks in India: 

Disclaimer: The stocks have been picked in order of highest market capitalization. This information is meant for information purposes only and is not advice on what to buy or sell. 

  • AU Small Finance Bank

AU Small Finance Bank, headquartered in Jaipur, was founded as a vehicle finance company in 1996 under the name ‘AU Financiers Ltd’. It was converted into a small finance bank on 19 April 2017. 

Market Capitalisation of the stock: Rs 36,924.84 crores

1 Year stock return  3 Year stock return Revenue (in Rs crore)** Net Profit (in Rs crore)** Debt to Equity** P/E Ratio Net Interest margin
21.37% 139.50% 4950.05 1170.69 6.97 46.2 4.58

To know more about the stock, click here: AU Small Finance Bank

*The returns are as of April 11, 2022. 

**for Financial Year 2020-21

  • Equitas Small Finance Bank

Equitas Small Finance Bank, headquartered in Chennai, was founded in 2016. The bank is a subsidiary of the holding company Equitas Holdings.

In 2021, the boards of Equitas Small Finance Bank and Equitas Holding Company approved a reverse merger between the two companies.

Market Capitalisation of the stock: Rs 7,129.29 crore

1 Year stock return  3 Year stock return Revenue (in Rs crore)** Net Profit (in Rs crore)** Debt to Equity** P/E Ratio Net Interest margin
3.00% 82.32% 3,194.41 384.22 6.05 25.8

To know more about the fund, click here: Equitas Small Finance Bank

*The returns are as of April 11, 2022. 

**for Financial Year 2020-21

  • Ujjivan Small Finance Bank

Ujjivan Small Finance Bank, headquartered in Bangalore, was founded on February 1, 2017. Ujjivan Financial Services is the parent company of the Ujjivan Small Finance Bank and holds an 80% stake.

Market Capitalisation of the stock: Rs 3,876.74 crore

1 Year stock return  3 Year stock return Revenue (in Rs crore)** Net Profit (in Rs crore)** Debt to Equity** P/E Ratio Net Interest margin
-40.80% -69.62 2,806.07 8.30 5.16 369.87 8.48

To know more about the stock, click here: Ujjivan Small Finance Bank

*The returns are as of April 11, 2022. 

**for Financial Year 2020-21

  • Suryoday Small Finance Bank

Suryoday Small Finance Bank was started in 2008 as Suryoday Micro Finance. It went live as a small finance bank on January 23rd, 2017, and has served over 1.4 million customers so far.

Market Capitalisation of the stock: Rs 1,867.49 crore

1 Year stock return  3 Year stock return Revenue (in Rs crore)** Net Profit (in Rs crore)** Debt to Equity** P/E Ratio Net Interest margin
-44.44% -50.53% 776.14 11.86 3.08 127.25 6.11

To know more about the stock, click here: Suryoday Small Finance Bank

*The returns are as of April 11, 2022. 

**for Financial Year 2020-21

Happy Investing!

Disclaimer: The content presented here is only for educational and informational purposes. It is not intended to be advice on what to buy or sell. 

To read the RA disclaimer, please click here.

Research Analyst: Bavadharini KS

Disclaimer

The stocks mentioned in this article are not recommendations. Please conduct your own research and due diligence before investing. Investment in securities market are subject to market risks, read all the related documents carefully before investing. Please read the Risk Disclosure documents carefully before investing in Equity Shares, Derivatives, Mutual fund, and/or other instruments traded on the Stock Exchanges. As investments are subject to market risks and price fluctuation risk, there is no assurance or guarantee that the investment objectives shall be achieved. NBT do not guarantee any assured returns on any investments. Past performance of securities/instruments is not indicative of their future performance.
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