AU Small Finance Bank Ltd Balance Sheet: Consolidated Financial Analysis & Historical Data (15 Years)

Annual Results

Results Snapshot

Figures in Cr

Standalone - Balance Sheet Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

SOURCES OF FUNDS

No of Months

Share Capital

748.27

744.53

669.16

666.75

314.90

312.21

Share warrants & Outstandings

240.76

124.24

62.73

44.03

41.33

103.12

Total Reserve

18,984.50

16,297.52

11,827.64

10,266.57

7,157.78

5,859.89

Shareholder's Funds

19,973.53

17,166.29

12,559.53

10,977.35

7,514.01

6,275.22

Minority Interest

0.00

Deposits

1,52,661.16

1,24,268.54

87,182.12

69,364.99

52,584.62

35,979.31

Borrowings

13,871.54

11,659.90

5,479.37

6,298.65

5,990.78

7,029.70

Other Liabilities & Provisions

5,291.24

4,750.94

4,204.65

3,575.14

2,988.39

2,307.08

Total Liabilities

1,91,797.47

1,57,845.67

1,09,425.67

90,216.13

69,077.80

51,591.31

APPLICATION OF FUNDS

Cash and balance with Reserve Bank of India

6,973.26

8,604.62

4,638.01

8,916.09

5,753.40

1,569.35

Balances with banks and money at call and short notice

1,550.15

861.74

1,738.32

509.08

175.11

3,211.99

Investments

44,793.65

37,847.52

27,133.37

20,072.01

15,306.50

10,815.41

Advances

1,34,275.63

1,07,092.48

73,162.65

58,421.54

46,095.26

34,608.91

Gross Block

2,173.05

1,948.37

1,587.06

1,340.48

1,061.02

796.68

Less : Accumulated Depreciation

1,291.56

1,123.35

802.93

633.19

452.35

319.30

Less : Impairment of Assets

0.00

Net Block

-3,464.61

-3,071.72

-2,389.99

-1,973.67

-1,513.37

-1,115.98

Lease Adjustment

0.00

Capital Work in Progress

554.90

87.44

67.46

32.85

13.90

5.00

Other Assets

2,768.39

2,526.83

1,901.72

1,557.25

1,124.95

903.27

Total Assets

1,91,797.46

1,57,845.66

1,09,425.66

90,216.11

69,077.79

51,591.30

Contingent Liability

12,823.11

7,199.92

4,533.48

3,356.80

1,993.68

1,116.76

Bills for collection

0.00

Book Value per share (adjusted)

228.9

186.75

163.98

118.65

98.845

Balance Sheet Analysis Highlights

Deposits

YoY Growth in year ended Mar 2026 is 22.85% vs 42.54% in Mar 2025

Advances

YoY Growth in year ended Mar 2026 is 25.38% vs 46.38% in Mar 2025

Investments

YoY Growth in year ended Mar 2026 is 18.35% vs 39.49% in Mar 2025

TOTAL ASSETS

YoY Growth in year ended Mar 2026 is 21.51% vs 44.25% in Mar 2025

Compare Balance Sheet Results of AU Small Finance

Select Peers

Figures in Cr

Standalone - Balance Sheet Results

Change(INR)

Change(%)

No of Months

SOURCES OF FUNDS

Share Capital

748.27

1,942.71

-1,194.44

-61.48%

Share warrants & Outstandings

240.76

97.38

143.38

147.24%

Total Reserve

18,984.50

4,775.59

14,208.91

297.53%

Shareholder's Funds

19,973.53

6,815.68

13,157.85

193.05%

Minority Interest

0.00

0.00%

Deposits

1,52,661.16

45,668.33

1,06,992.83

234.28%

Borrowings

13,871.54

3,736.01

10,135.53

271.29%

Other Liabilities & Provisions

5,291.24

1,343.83

3,947.41

293.74%

Total Liabilities

1,91,797.47

57,563.85

1,34,233.62

233.19%

APPLICATION OF FUNDS

Cash and balance with Reserve Bank of India

6,973.26

3,109.67

3,863.59

124.24%

Balances with banks and money at call and short notice

1,550.15

334.00

1,216.15

364.12%

Investments

44,793.65

12,724.25

32,069.40

252.03%

Advances

1,34,275.63

39,760.55

94,515.08

237.71%

Gross Block

2,173.05

1,171.92

1,001.13

85.43%

Less : Accumulated Depreciation

1,291.56

714.65

576.91

80.73%

Less : Impairment of Assets

0.00

0.00%

Net Block

-3,464.61

-1,886.57

-1,578.04

-83.65%

Lease Adjustment

0.00

0.00%

Capital Work in Progress

554.90

35.79

519.11

1,450.43%

Other Assets

2,768.39

1,142.31

1,626.08

142.35%

Total Assets

1,91,797.46

57,563.85

1,34,233.61

233.19%

Contingent Liability

12,823.11

1,486.23

11,336.88

762.79%

Bills for collection

0.00

0.00%

Book Value per share (adjusted)

0.00

0.00%

Annual - Deposits

Deposits 1,52,661.16 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 22.85% vs 42.54% in Mar 2025

Annual - Advances

Advances 1,34,275.63 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 25.38% vs 46.38% in Mar 2025

Annual - Investments

Investments 44,793.65 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 18.35% vs 39.49% in Mar 2025

Annual - TOTAL ASSETS

TOTAL ASSETS 1,91,797.46 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 21.51% vs 44.25% in Mar 2025