AU Small Finance Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

18,636.34

16,063.73

10,554.71

8,205.41

5,921.73

4,950.05

4,285.88

Income On Investments

2,647.21

2,238.18

1,632.39

1,189.88

780.53

773.04

613.47

Interest On Balances With Rbi Other Inter Bank Funds

92.55

69.15

66.88

58.28

87.08

85.01

25.80

Interest / Discount On Advances / Bills

15,711.11

13,368.35

8,442.15

6,847.02

4,947.48

3,947.36

3,414.84

Others

185.47

388.06

413.30

110.23

106.64

144.64

231.77

Other Income

2,977.94

2,526.31

1,697.14

1,034.46

993.69

1,420.93

706.09

Total Income

21,614.28

18,590.04

12,251.86

9,239.87

6,915.42

6,370.98

4,991.98

Interest Expended

9,523.66

8,052.15

5,397.63

3,780.13

2,687.61

2,584.61

2,376.94

Net Interest Income

9,112.68

8,011.58

5,157.08

4,425.28

3,234.12

2,365.44

1,908.94

Total Expenditure (Excl Depreciation)

7,001.86

5,957.22

4,388.00

3,440.27

2,412.77

1,658.43

1,417.86

Employee Cost

3,848.16

3,147.76

2,103.68

1,793.03

1,378.92

980.17

759.62

Other Operating Expenses

3,153.70

2,809.46

2,284.32

1,647.24

1,033.85

678.26

658.24

Operating Profit Before Provisions and Contingencies

5,088.76

4,580.68

2,466.22

2,019.48

1,815.04

2,127.95

1,197.17

Exceptional Items

0.00

Provisions and contingencies

1,614.71

1,792.62

389.99

154.84

360.97

669.44

283.20

Profit Before Tax

3,474.05

2,788.05

1,999.43

1,864.64

1,454.07

1,458.51

913.98

Tax

832.79

682.13

464.71

436.71

324.24

287.82

239.19

Profit After Tax

2,641.25

2,105.93

1,534.72

1,427.93

1,129.83

1,170.68

674.78

Extraordinary Items

0.00

-58.95

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,641.25

2,105.93

1,593.67

1,427.93

1,129.83

1,170.68

674.78

Face Value

10.0

Reserves

19,225.25

16,421.75

11,890.37

10,310.60

7,199.11

5,963.00

4,072.69

Earnings per share (EPS)

35.3

28.29

22.94

21.42

17.94

18.75

11.09

Diluted Earnings per share

35.01

28.24

24.08

21.74

17.84

18.93

11.16

Operating Profit Margin (Excl OI)

53.76%

51.76%

54.0%

56.19%

53.16%

52.97%

60.31%

Gross Profit Margin

18.64%

17.36%

18.94%

22.72%

24.55%

29.46%

21.33%

PAT Margin

14.17%

13.11%

14.54%

17.4%

19.08%

23.65%

15.74%

Net Interest Margin

5.65%

5.94%

5.45%

6.1%

5.9%

0.0%

5.4%

Return on Assets

1.57%

0.0%

1.81%

CASA (%)

28.0%

29.2%

33.0%

38.0%

37.3%

23.0%

16.0%

CASA Amount

43,357.00

36,253.00

29,126.00

26,660.00

19,608.00

8,275.00

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

85.0%

84.0%

76.0%

78.0%

75.0%

50.0%

52.5%

Amount of Gross NPAs

2,755.64

2,477.03

1,237.40

981.31

924.38

1,502.83

457.78

Amount of Net NPAs

989.90

791.34

400.99

245.16

230.85

755.45

217.30

% of Net NPAs

0.74%

0.55%

0.42%

0.5%

2.18%

0.81%

% of Gross NPAs

2.03%

2.28%

1.67%

1.66%

1.98%

4.25%

1.68%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

762.0

677.0

682.0

493.0

514.0

0.0

356.0

Number of Branches

2790.0

2456.0

2383.0

1027.0

919.0

0.0

528.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 16.02% vs 52.19% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 25.42% vs 32.14% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 11.09% vs 85.74% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is 0.00% vs 0.19% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.25% vs 0.61% in Mar 2025

Compare Annual Results Of AU Small Finance With

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Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

18,636.34

6,931.45

11,704.89

168.87%

Income On Investments

2,647.21

830.33

1,816.88

218.81%

Interest On Balances With Rbi Other Inter Bank Funds

92.55

16.00

76.55

478.44%

Interest / Discount On Advances / Bills

15,711.11

6,077.47

9,633.64

158.51%

Others

185.47

7.65

177.82

2324.44%

Other Income

2,977.94

1,107.52

1,870.42

168.88%

Total Income

21,614.28

8,038.97

13,575.31

168.87%

Interest Expended

9,523.66

3,060.45

6,463.21

211.18%

Net Interest Income

9,112.68

3,871.00

5,241.68

135.41%

Total Expenditure (Excl Depreciation)

7,001.86

3,268.39

3,733.47

114.23%

Employee Cost

3,848.16

1,790.97

2,057.19

114.86%

Other Operating Expenses

3,153.70

1,477.42

1,676.28

113.46%

Operating Profit Before Provisions and Contingencies

5,088.76

1,710.13

3,378.63

197.57%

Exceptional Items

0.00

Provisions and contingencies

1,614.71

799.10

815.61

102.07%

Profit Before Tax

3,474.05

911.03

2,563.02

281.33%

Tax

832.79

218.40

614.39

281.31%

Profit After Tax

2,641.25

692.63

1,948.62

281.34%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,641.25

692.63

1,948.62

281.34%

Face Value

10.00

0.00

Reserves

19,225.25

4,872.96

14,352.29

294.53%

Earnings per share (EPS)

35.30

3.57

31.73

888.8%

Diluted Earnings per share

35.01

3.51

31.50

897.44%

Operating Profit Margin (Excl OI)

53.76%

41.32%

0.00

12.44%

Gross Profit Margin

18.64%

13.14%

0.00

5.50%

PAT Margin

14.17%

9.99%

0.00

4.18%

Net Interest Margin

5.65%

8.10%

-2.45

-2.45%

Return on Assets

1.57%

0.00%

1.57

1.57%

CASA (%)

28.00%

28.60%

-0.60

-0.60%

CASA Amount

43,357.00

13,061.00

30,296.00

231.96%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

85.00%

81.00%

4.00

4.00%

Amount of Gross NPAs

2,755.64

916.71

1,838.93

200.6%

Amount of Net NPAs

989.90

170.44

819.46

480.79%

% of Net NPAs

0.74%

0.43%

0.31

0.31%

% of Gross NPAs

2.03%

2.26%

-0.23

-0.23%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

762.00

612.00

150.00

24.51%

Number of Branches

2,790.00

776.00

2,014.00

259.54%

Annual - Interest Earned

Interest Earned 18636.34 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 16.02% vs 52.19% in Mar 2025

Annual - Net Profit

Net Profit 2,641.25 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 25.42% vs 32.14% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 5,088.76 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 11.09% vs 85.74% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.74%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is 0.00% vs 0.19% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.03%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.25% vs 0.61% in Mar 2025