{"id":192096,"date":"2026-08-10T10:52:24","date_gmt":"2026-08-10T05:22:24","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=192096"},"modified":"2026-08-10T10:52:26","modified_gmt":"2026-08-10T05:22:26","slug":"au-small-finance-bank-vs-ujjivan-sfb-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/","title":{"rendered":"AU Small Finance Bank vs Ujjivan Small Finance Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>AU Small Finance Bank MCap Rs 78,482 Cr, PE 27.47x, ROE 14.47%. Ujjivan SFB MCap Rs 13,545 Cr, PE 14.94x, ROE 13.48%.<\/em><\/p>\n<p>AU Small Finance Bank vs Ujjivan Small Finance Bank is a comparison investors look up when evaluating listed small finance banks in India. AU Small Finance Bank is the largest SFB by market capitalisation and has built a well-diversified lending franchise across vehicle loans, home loans, MSME and wheels, while Ujjivan SFB is one of the larger MFI-converted SFBs focused on mass-market microfinance and small business lending. Both are RBI-regulated universal bank aspirants.<\/p>\n<p>This AU Small Finance Bank vs Ujjivan Small Finance Bank article covers reach and market position, key products, latest declared results and stock valuation. The AU Small Finance Bank vs Ujjivan Small Finance Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Reach_and_Market_Position\" title=\"AU Small Finance Bank vs Ujjivan Small Finance Bank: Reach and Market Position\">AU Small Finance Bank vs Ujjivan Small Finance Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Key_Products_and_Business_Mix\" title=\"AU Small Finance Bank vs Ujjivan Small Finance Bank: Key Products and Business Mix\">AU Small Finance Bank vs Ujjivan Small Finance Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Latest_Results\" title=\"AU Small Finance Bank vs Ujjivan Small Finance Bank: Latest Results\">AU Small Finance Bank vs Ujjivan Small Finance Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Stock_and_Valuation\" title=\"AU Small Finance Bank vs Ujjivan Small Finance Bank: Stock and Valuation\">AU Small Finance Bank vs Ujjivan Small Finance Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Quick_Comparison_Table\" title=\"AU Small Finance Bank vs Ujjivan Small Finance Bank: Quick Comparison Table\">AU Small Finance Bank vs Ujjivan Small Finance Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#What_is_the_difference_between_AU_SFB_and_Ujjivan_SFB\" title=\"What is the difference between AU SFB and Ujjivan SFB?\">What is the difference between AU SFB and Ujjivan SFB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Is_AU_Small_Finance_Bank_applying_for_a_universal_bank_licence\" title=\"Is AU Small Finance Bank applying for a universal bank licence?\">Is AU Small Finance Bank applying for a universal bank licence?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#What_is_the_ROE_of_AU_SFB\" title=\"What is the ROE of AU SFB?\">What is the ROE of AU SFB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Why_is_Ujjivan_SFB_valued_at_a_lower_PE_than_AU_SFB\" title=\"Why is Ujjivan SFB valued at a lower P\/E than AU SFB?\">Why is Ujjivan SFB valued at a lower P\/E than AU SFB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Does_AU_SFB_pay_dividends\" title=\"Does AU SFB pay dividends?\">Does AU SFB pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#What_states_does_Ujjivan_SFB_operate_in\" title=\"What states does Ujjivan SFB operate in?\">What states does Ujjivan SFB operate in?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/au-small-finance-bank-vs-ujjivan-sfb-comparison\/#Are_AU_SFB_and_Ujjivan_SFB_safe_investments\" title=\"Are AU SFB and Ujjivan SFB safe investments?\">Are AU SFB and Ujjivan SFB safe investments?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Reach_and_Market_Position\"><\/span><strong>AU Small Finance Bank vs Ujjivan Small Finance Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the AU Small Finance Bank side of the AU Small Finance Bank vs Ujjivan Small Finance Bank comparison, AU Small Finance Bank operates over 1,100 branches across 22 states with a strong presence in Rajasthan, Gujarat and adjoining states. It has diversified into vehicle finance, home loans, commercial banking and gold loans. Market capitalisation is Rs 78,482 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=aubank-vs-ujjivan\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Ujjivan Small Finance Bank side of the AU Small Finance Bank vs Ujjivan Small Finance Bank comparison, Ujjivan SFB operates over 700 branches, primarily in East and South India, with a focus on microfinance customers and affordable housing. Market capitalisation is Rs 13,545 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Key_Products_and_Business_Mix\"><\/span><strong>AU Small Finance Bank vs Ujjivan Small Finance Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the AU Small Finance Bank vs Ujjivan Small Finance Bank product comparison, AU Small Finance Bank offers: AU SFB earns from vehicle loans, home loans, MSME credit, gold loans and commercial banking. EPS is Rs 38.11. P\/E is 27.47x, ROE 14.47 percent, PB 3.98. Dividend yield is 0.10 percent.<\/p>\n<p>For Ujjivan Small Finance Bank in this AU Small Finance Bank vs Ujjivan Small Finance Bank breakdown: Ujjivan SFB earns from microfinance, affordable housing, MSME and personal loans. EPS is Rs 4.66. P\/E is 14.94x, ROE 13.48 percent, PB 2.02. No dividend currently.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Latest_Results\"><\/span><strong>AU Small Finance Bank vs Ujjivan Small Finance Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The AU Small Finance Bank vs Ujjivan Small Finance Bank results for AU Small Finance Bank: AU SFB has a market cap of Rs 78,482 Cr and P\/E of 27.47x. ROE is 14.47 percent, among the highest for listed SFBs. PB of 3.98 reflects the premium for its non-MFI revenue mix and brand.<\/p>\n<p>The AU Small Finance Bank vs Ujjivan Small Finance Bank results for Ujjivan Small Finance Bank: Ujjivan SFB has a market cap of Rs 13,545 Cr and P\/E of 14.94x. ROE is 13.48 percent, close to AU SFB but with a higher exposure to the microfinance segment which has been under stress in 2024 to 2025.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare AU Small Finance Bank and Ujjivan Small Finance Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Stock_and_Valuation\"><\/span><strong>AU Small Finance Bank vs Ujjivan Small Finance Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The AU Small Finance Bank vs Ujjivan Small Finance Bank stock comparison uses the latest available market data from Groww. Investors tracking AU Small Finance Bank vs Ujjivan Small Finance Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>AU Small Finance Bank vs Ujjivan Small Finance Bank at current valuations: AU SFB trades at Rs 78,482 Cr market cap, P\/E 27.47x, ROE 14.47 percent, PB 3.98. Ujjivan SFB trades at Rs 13,545 Cr market cap, P\/E 14.94x, ROE 13.48 percent, PB 2.02. AU SFB is roughly 5.8 times larger by market cap and commands a much higher PB on account of its diversified franchise.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"AU_Small_Finance_Bank_vs_Ujjivan_Small_Finance_Bank_Quick_Comparison_Table\"><\/span><strong>AU Small Finance Bank vs Ujjivan Small Finance Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The AU Small Finance Bank vs Ujjivan Small Finance Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/aubank\/au-small-finance-bank-ltd-share-price-today\">AU Small Finance Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/ujjivansfb\/ujjivan-small-finance-bank-ltd-share-price-today\">Ujjivan Small Finance Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small finance bank (diversified)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small finance bank (MFI-oriented)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 78,482 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 13,545 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">27.47x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">14.94x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">14.47%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">13.48%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.98<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.02<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Loan Book Focus<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Vehicle, home, MSME, gold<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Microfinance, affordable housing<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.10% yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None currently<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The AU Small Finance Bank vs Ujjivan Small Finance Bank comparison above covers the key data points on reach, products, results and valuation. AU Small Finance Bank vs Ujjivan Small Finance Bank is a comparison between the most diversified SFB and a large MFI-converted bank. AU Small Finance Bank vs Ujjivan Small Finance Bank shows AU SFB at a premium valuation reflecting its diversification and brand strength. Ujjivan SFB is valued more cheaply with a focus on mass-market lending that carries sector-level MFI risk. AU Small Finance Bank vs Ujjivan Small Finance Bank are both progressing toward universal bank licences. Investors reviewing AU Small Finance Bank vs Ujjivan Small Finance Bank should check asset quality, deposit costs, MFI segment trends and RBI universal banking policy updates. AU Small Finance Bank vs Ujjivan Small Finance Bank each carry distinct risk profiles \u2014 consult a SEBI-registered advisor.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track AU Small Finance Bank and Ujjivan Small Finance Bank live price and get daily stock recommendations.<\/em><\/p>\n<p>SEBI Research Analyst Registration No. INH000013776<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_AU_SFB_and_Ujjivan_SFB\"><\/span><strong>What is the difference between AU SFB and Ujjivan SFB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> AU Small Finance Bank has a diversified loan book spanning vehicle loans, home loans and MSME, with low MFI dependence. Ujjivan SFB is primarily a microfinance-converted SFB with significant exposure to low-income borrowers in East and South India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_AU_Small_Finance_Bank_applying_for_a_universal_bank_licence\"><\/span><strong>Is AU Small Finance Bank applying for a universal bank licence?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. AU Small Finance Bank has applied for conversion to a universal bank licence from RBI. Ujjivan SFB is also expected to apply in due course.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_ROE_of_AU_SFB\"><\/span><strong>What is the ROE of AU SFB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> AU Small Finance Bank&#8217;s ROE is approximately 14.47 percent on a trailing twelve month basis.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_Ujjivan_SFB_valued_at_a_lower_PE_than_AU_SFB\"><\/span><strong>Why is Ujjivan SFB valued at a lower P\/E than AU SFB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Ujjivan SFB has higher MFI exposure, which has faced elevated credit costs due to overleveraging in certain geographies. AU SFB&#8217;s diversified book and premium franchise attract a higher market multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_AU_SFB_pay_dividends\"><\/span><strong>Does AU SFB pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> AU SFB pays a small dividend yield of approximately 0.10 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_states_does_Ujjivan_SFB_operate_in\"><\/span><strong>What states does Ujjivan SFB operate in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Ujjivan SFB operates primarily in East India \u2014 West Bengal, Bihar, Odisha, Assam \u2014 and South India \u2014 Karnataka, Tamil Nadu \u2014 with a focus on microfinance and affordable housing for low-income borrowers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_AU_SFB_and_Ujjivan_SFB_safe_investments\"><\/span><strong>Are AU SFB and Ujjivan SFB safe investments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> As with any financial stock, investors should review asset quality, provisioning, capital adequacy, deposit franchise stability and RBI regulatory guidance. Consult a SEBI-registered advisor before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AU Small Finance Bank vs Ujjivan SFB compared on loan book, deposit franchise, ROE and valuation. 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