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AU Small Finance

  • Market Cap: Mid Cap
  • Industry: Other Bank
  • ISIN: INE949L01017
  • NSEID: AUBANK
  • BSEID: 540611
INR
960.40
11.55 (1.22%)
BSENSE

Dec 05

BSE+NSE Vol: 17.04 lacs

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
8,889.73
7,679.65
4,989.39
3,812.48
2,758.25
2,396.57
1,990.82
Income On Investments
1,289.36
1,051.30
748.22
550.41
356.22
404.64
298.92
Interest On Balances With Rbi Other Inter Bank Funds
46.57
28.61
35.05
37.51
38.97
45.40
8.82
Interest / Discount On Advances / Bills
7,451.15
6,371.61
4,075.80
3,189.01
2,278.18
1,898.58
1,578.86
Others
102.65
228.14
130.33
35.56
84.88
47.95
104.21
Other Income
1,523.19
1,147.24
713.90
406.51
406.68
486.53
361.73
Total Income
10,412.91
8,826.89
5,703.29
4,219.00
3,164.92
2,883.10
2,352.55
Interest Expended
4,700.64
3,784.71
2,494.21
1,753.14
1,281.10
1,320.08
1,143.65
Net Interest Income
4,189.09
3,894.94
2,495.18
2,059.34
1,477.15
1,076.49
847.17
Total Expenditure (Excl Depreciation)
3,190.34
2,958.67
2,042.03
1,573.01
1,009.54
676.08
640.35
Employee Cost
1,784.24
1,575.63
1,019.06
845.32
609.38
403.54
368.03
Other Operating Expenses
1,406.10
1,383.04
1,022.97
727.69
400.16
272.54
272.32
Operating Profit Before Provisions and Contingencies
2,521.93
2,083.51
1,167.05
892.85
874.28
886.95
568.54
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,014.14
655.84
120.61
81.32
211.78
213.70
92.52
Profit Before Tax
1,507.80
1,427.68
1,046.44
811.53
662.50
673.25
476.02
Tax
366.07
353.89
257.71
201.06
180.79
150.56
113.76
Profit After Tax
1,141.73
1,073.78
788.73
610.47
481.71
522.69
362.26
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,141.73
1,073.78
788.73
610.47
481.71
522.69
362.26
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
17,399.20
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
15.3
14.44
11.8
9.17
7.69
8.53
6.17
Diluted Earnings per share
15.24
14.39
11.74
9.47
7.62
8.51
6.1
Operating Profit Margin (Excl OI)
52.7%
52.93%
56.66%
56.61%
55.72%
62.87%
63.19%
Gross Profit Margin
16.96%
18.59%
20.97%
21.29%
24.02%
28.09%
23.91%
PAT Margin
12.84%
13.98%
15.81%
16.01%
17.46%
21.81%
18.2%
Net Interest Margin
5.4%
6.1%
5.6%
6.0%
6.0%
5.3%
5.0%
Return on Assets
0.35%
0.83%
0.85%
0.83%
0.92%
1.21%
1.06%
CASA (%)
29.4%
32.0%
34.0%
42.0%
30.0%
21.0%
16.0%
CASA Amount
39,000.00
35,521.00
25,666.00
0.00
0.00
0.00
3,332.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
84.0%
82.0%
73.0%
71.0%
49.0%
71.1%
43.9%
Amount of Gross NPAs
2,835.34
1,901.69
1,244.75
996.70
1,151.45
423.17
503.84
Amount of Net NPAs
1,015.66
706.70
384.72
288.22
591.48
122.83
282.85
% of Net NPAs
0.88%
0.75%
0.6%
0.56%
1.65%
0.45%
1.14%
% of Gross NPAs
2.41%
1.98%
1.91%
1.9%
3.16%
1.54%
2.01%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
707.0
688.0
495.0
524.0
470.0
332.0
565.0
Number of Branches
2626.0
2408.0
1042.0
980.0
794.0
686.0
428.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 15.76% vs 53.92% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is 6.33% vs 36.14% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is 21.04% vs 78.53% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is 0.13% vs 0.15% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is 0.43% vs 0.07% in Sep 2024

Compare Half Yearly Results Of AU Small Finance With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
8,889.73
3,301.15
5,588.58
169.29%
Income On Investments
1,289.36
414.87
874.49
210.79%
Interest On Balances With Rbi Other Inter Bank Funds
46.57
10.56
36.01
341.0%
Interest / Discount On Advances / Bills
7,451.15
2,871.54
4,579.61
159.48%
Others
102.65
4.18
98.47
2355.74%
Other Income
1,523.19
505.34
1,017.85
201.42%
Total Income
10,412.91
3,806.49
6,606.42
173.56%
Interest Expended
4,700.64
1,523.52
3,177.12
208.54%
Net Interest Income
4,189.09
1,777.63
2,411.46
135.66%
Total Expenditure (Excl Depreciation)
3,190.34
1,527.25
1,663.09
108.89%
Employee Cost
1,784.24
847.21
937.03
110.6%
Other Operating Expenses
1,406.10
680.04
726.06
106.77%
Operating Profit Before Provisions and Contingencies
2,521.93
755.72
1,766.21
233.71%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,014.14
459.90
554.24
120.51%
Profit Before Tax
1,507.80
295.82
1,211.98
409.7%
Tax
366.07
70.88
295.19
416.46%
Profit After Tax
1,141.73
224.94
916.79
407.57%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,141.73
224.94
916.79
407.57%
Face Value
10.00
10.00
0.00
Reserves
17,399.20
0.00
17,399.20
Earnings per share (EPS)
15.30
1.16
14.14
1218.97%
Diluted Earnings per share
15.24
1.15
14.09
1225.22%
Operating Profit Margin (Excl OI)
52.70%
39.80%
0.00
12.90%
Gross Profit Margin
16.96%
8.96%
0.00
8.00%
PAT Margin
12.84%
6.81%
0.00
6.03%
Net Interest Margin
5.40%
7.80%
-2.40
-2.40%
Return on Assets
0.35%
0.47%
-0.12
-0.12%
CASA (%)
29.40%
27.00%
2.40
2.40%
CASA Amount
39,000.00
10,783.00
28,217.00
261.68%
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
84.00%
73.00%
11.00
11.00%
Amount of Gross NPAs
2,835.34
843.11
1,992.23
236.3%
Amount of Net NPAs
1,015.66
225.00
790.66
351.4%
% of Net NPAs
0.88%
0.67%
0.21
0.21%
% of Gross NPAs
2.41%
2.45%
-0.04
-0.04%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
707.00
613.00
94.00
15.33%
Number of Branches
2,626.00
766.00
1,860.00
242.82%
Half Yearly - Interest Earned
Interest Earned 8889.73 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 15.76% vs 53.92% in Sep 2024

Half Yearly - Net Profit
Net Profit 1,141.73 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 6.33% vs 36.14% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,521.93 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 21.04% vs 78.53% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.88%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.13% vs 0.15% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 2.41%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.43% vs 0.07% in Sep 2024

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