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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-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
4,511.28
4,378.44
4,270.60
4,113.48
3,910.61
3,769.04
2,829.50
Income On Investments
644.39
644.96
618.36
568.52
508.20
543.10
469.76
Interest On Balances With Rbi Other Inter Bank Funds
29.53
17.04
21.98
18.56
14.81
13.79
15.55
Interest / Discount On Advances / Bills
3,786.23
3,664.92
3,555.53
3,441.21
3,279.63
3,091.98
2,243.13
Others
51.12
51.53
74.73
85.19
107.97
120.17
101.06
Other Income
712.58
810.61
760.67
618.41
637.96
509.27
541.01
Total Income
5,223.87
5,189.05
5,031.27
4,731.89
4,548.58
4,278.31
3,370.51
Interest Expended
2,366.87
2,333.77
2,176.68
2,090.77
1,936.25
1,848.46
1,492.47
Net Interest Income
2,144.41
2,044.67
2,093.92
2,022.71
1,974.36
1,920.58
1,337.03
Total Expenditure (Excl Depreciation)
1,647.28
1,543.07
1,562.33
1,436.21
1,480.56
1,478.11
1,228.50
Employee Cost
918.71
865.53
817.47
754.66
785.49
790.14
555.87
Other Operating Expenses
728.57
677.54
744.86
681.55
695.07
687.97
672.63
Operating Profit Before Provisions and Contingencies
1,209.72
1,312.21
1,292.26
1,204.91
1,131.77
951.74
649.55
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
480.83
533.31
635.11
501.68
372.99
282.85
117.90
Profit Before Tax
728.89
778.90
657.15
703.23
758.78
668.89
454.84
Tax
168.02
198.05
153.45
174.78
187.57
166.32
84.10
Profit After Tax
560.87
580.86
503.70
528.45
571.21
502.57
370.74
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
-62.60
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
560.87
580.86
503.70
528.45
571.21
502.57
433.34
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)
7.52
7.79
6.77
7.1
7.68
6.76
5.54
Diluted Earnings per share
7.48
7.78
6.75
7.08
7.65
6.74
6.69
Operating Profit Margin (Excl OI)
52.83%
52.58%
48.54%
52.89%
52.6%
53.28%
49.7%
Gross Profit Margin
16.16%
17.79%
15.39%
17.1%
19.4%
17.75%
16.07%
PAT Margin
12.43%
13.27%
11.79%
12.85%
14.61%
13.33%
13.1%
Net Interest Margin
5.4%
5.4%
5.8%
5.9%
6.1%
6.0%
5.45%
Return on Assets
0.35%
0.37%
0.34%
0.37%
0.43%
0.39%
0.35%
CASA (%)
29.4%
29.2%
29.2%
31.0%
32.0%
33.0%
33.0%
CASA Amount
39,000.00
37,241.00
36,253.00
34,402.00
35,521.00
32,035.00
29,126.00
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%
83.0%
84.0%
80.0%
82.0%
84.0%
76.0%
Amount of Gross NPAs
2,835.34
2,751.32
2,477.03
2,335.51
1,901.69
1,613.18
1,237.40
Amount of Net NPAs
1,015.66
971.34
791.34
905.60
706.70
562.56
400.99
% of Net NPAs
0.88%
0.88%
0.74%
0.91%
0.75%
0.63%
0.55%
% of Gross NPAs
2.41%
2.47%
2.28%
2.31%
1.98%
1.78%
1.67%
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
678.0
677.0
674.0
688.0
695.0
682.0
Number of Branches
2626.0
2505.0
2456.0
2400.0
2408.0
2414.0
2383.0
Quarterly Analysis Highlights - YoY
stock-summary

Interest Earned

YoY Growth in quarter ended Sep 2025 is 15.36% vs 54.51% in Sep 2024

stock-summary

Net Profit

YoY Growth in quarter ended Sep 2025 is -1.81% vs 42.15% in Sep 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in quarter ended Sep 2025 is 6.89% vs 80.03% in Sep 2024

stock-summary

% of Net NPAs

YoY Growth in quarter ended Sep 2025 is 0.13% vs 0.15% in Sep 2024

stock-summary

% of Gross NPAs

YoY Growth in quarter ended Sep 2025 is 0.43% vs 0.07% in Sep 2024

Compare Quarterly Results Of AU Small Finance With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
4,511.28
1,682.31
2,828.97
168.16%
Income On Investments
644.39
203.01
441.38
217.42%
Interest On Balances With Rbi Other Inter Bank Funds
29.53
4.57
24.96
546.17%
Interest / Discount On Advances / Bills
3,786.23
1,472.70
2,313.53
157.09%
Others
51.12
2.03
49.09
2418.23%
Other Income
712.58
256.35
456.23
177.97%
Total Income
5,223.87
1,938.66
3,285.21
169.46%
Interest Expended
2,366.87
760.63
1,606.24
211.17%
Net Interest Income
2,144.41
921.68
1,222.73
132.66%
Total Expenditure (Excl Depreciation)
1,647.28
782.79
864.49
110.44%
Employee Cost
918.71
435.46
483.25
110.97%
Other Operating Expenses
728.57
347.33
381.24
109.76%
Operating Profit Before Provisions and Contingencies
1,209.72
395.24
814.48
206.07%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
480.83
234.96
245.87
104.64%
Profit Before Tax
728.89
160.28
568.61
354.76%
Tax
168.02
38.56
129.46
335.74%
Profit After Tax
560.87
121.72
439.15
360.79%
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
560.87
121.72
439.15
360.79%
Face Value
10.00
10.00
0.00
Reserves
17,399.20
0.00
17,399.20
Earnings per share (EPS)
7.52
0.63
6.89
1093.65%
Diluted Earnings per share
7.48
0.62
6.86
1106.45%
Operating Profit Margin (Excl OI)
52.83%
39.50%
0.00
13.33%
Gross Profit Margin
16.16%
9.53%
0.00
6.63%
PAT Margin
12.43%
7.24%
0.00
5.19%
Net Interest Margin
5.40%
7.90%
-2.50
-2.50%
Return on Assets
0.35%
0.25%
0.10
0.10%
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%
Quarterly - Interest Earned
Interest Earned 4511.28 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 3.03% vs 2.53% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 15.36% vs 54.51% in Sep 2024

Quarterly - Net Profit
Net Profit 560.87 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -3.44% vs 15.32% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -1.81% vs 42.15% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,209.72 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -7.81% vs 1.54% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 6.89% vs 80.03% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.88%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is 0.00% vs 0.14% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 0.13% vs 0.15% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.41%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.06% vs 0.19% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 0.43% vs 0.07% in Sep 2024

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