How has been the historical performance of AU Small Finance?

Answer:The historical performance of AU Small Finance shows significant growth across various financial metrics over the years leading up to March 2025.

Breakdown:
AU Small Finance has demonstrated a robust increase in interest earned, rising from 4,285.88 Cr in March 2020 to 16,063.73 Cr in March 2025. This growth is primarily driven by interest on advances, which surged from 2,374.19 Cr in March 2019 to 13,368.35 Cr in March 2025. Total income also saw a substantial rise, reaching 18,590.04 Cr in March 2025, compared to 4,991.98 Cr in March 2020. Net interest income followed a similar upward trajectory, climbing to 8,011.58 Cr in March 2025 from 1,342.60 Cr in March 2019. However, total expenditure, excluding depreciation, increased to 5,957.22 Cr in March 2025 from 1,082.61 Cr in March 2019, reflecting the company's expansion efforts. Profit before tax rose to 2,788.05 Cr in March 2025, while profit after tax reached 2,105.93 Cr, indicating a healthy profitability trend. The net profit margin was 13.11% in March 2025, down from 23.65% in March 2021, suggesting a tightening margin despite overall profit growth. On the balance sheet, total assets grew significantly to 1,09,425.67 Cr in March 2024 from 32,660.85 Cr in March 2019, with advances also increasing to 73,162.65 Cr. Cash and cash equivalents decreased to 6,376.00 Cr in March 2024 from 9,425.00 Cr in March 2023, indicating fluctuations in liquidity. Overall, AU Small Finance's performance reflects a strong growth trajectory in income and profitability, alongside increasing operational scale.