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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

5,019.15

4,727.47

4,511.28

4,378.44

4,270.60

4,113.48

3,910.61

Income On Investments

707.81

650.04

644.39

644.96

618.36

568.52

508.20

Interest On Balances With Rbi Other Inter Bank Funds

22.58

23.40

29.53

17.04

21.98

18.56

14.81

Interest / Discount On Advances / Bills

4,243.60

4,016.36

3,786.23

3,664.92

3,555.53

3,441.21

3,279.63

Others

45.16

37.66

51.12

51.53

74.73

85.19

107.97

Other Income

730.95

723.80

712.58

810.61

760.67

618.41

637.96

Total Income

5,750.10

5,451.26

5,223.87

5,189.05

5,031.27

4,731.89

4,548.58

Interest Expended

2,436.82

2,386.20

2,366.87

2,333.77

2,176.68

2,090.77

1,936.25

Net Interest Income

2,582.33

2,341.27

2,144.41

2,044.67

2,093.92

2,022.71

1,974.36

Total Expenditure (Excl Depreciation)

1,961.76

1,849.75

1,647.28

1,543.07

1,562.33

1,436.21

1,480.56

Employee Cost

1,044.91

1,019.01

918.71

865.53

817.47

754.66

785.49

Other Operating Expenses

916.85

830.74

728.57

677.54

744.86

681.55

695.07

Operating Profit Before Provisions and Contingencies

1,351.52

1,215.31

1,209.72

1,312.21

1,292.26

1,204.91

1,131.77

Exceptional Items

0.00

Provisions and contingencies

269.43

331.14

480.83

533.31

635.11

501.68

372.99

Profit Before Tax

1,082.08

884.17

728.89

778.90

657.15

703.23

758.78

Tax

250.21

216.51

168.02

198.05

153.45

174.78

187.57

Profit After Tax

831.87

667.66

560.87

580.86

503.70

528.45

571.21

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

831.87

667.66

560.87

580.86

503.70

528.45

571.21

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

11.12

8.94

7.52

7.79

6.77

7.1

7.68

Diluted Earnings per share

11.01

8.87

7.48

7.78

6.75

7.08

7.65

Operating Profit Margin (Excl OI)

55.55%

53.87%

52.83%

52.58%

48.54%

52.89%

52.6%

Gross Profit Margin

21.56%

18.7%

16.16%

17.79%

15.39%

17.1%

19.4%

PAT Margin

16.57%

14.12%

12.43%

13.27%

11.79%

12.85%

14.61%

Net Interest Margin

6.0%

5.7%

5.5%

5.4%

5.8%

5.9%

6.1%

Return on Assets

0.45%

0.39%

0.35%

0.37%

0.34%

0.37%

0.43%

CASA (%)

28.0%

29.0%

29.4%

29.2%

31.0%

32.0%

CASA Amount

43,357.00

39,947.00

39,000.00

37,241.00

36,253.00

34,402.00

35,521.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

85.0%

83.0%

84.0%

83.0%

84.0%

80.0%

82.0%

Amount of Gross NPAs

2,755.64

2,880.54

2,835.34

2,751.32

2,477.03

2,335.51

1,901.69

Amount of Net NPAs

989.90

1,091.46

1,015.66

971.34

791.34

905.60

706.70

% of Net NPAs

0.74%

0.88%

0.74%

0.91%

0.75%

% of Gross NPAs

2.03%

2.3%

2.41%

2.47%

2.28%

2.31%

1.98%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

762.0

742.0

707.0

678.0

677.0

674.0

688.0

Number of Branches

2790.0

2726.0

2626.0

2505.0

2456.0

2400.0

2408.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Mar 2026 is 17.53% vs 50.93% in Mar 2025

Net Profit

YoY Growth in quarter ended Mar 2026 is 65.15% vs 16.24% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in quarter ended Mar 2026 is 4.59% vs 98.95% in Mar 2025

% of Net NPAs

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

% of Gross NPAs

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

Compare Quarterly Results Of AU Small Finance With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,019.15

1,878.36

3,140.79

167.21%

Income On Investments

707.81

216.02

491.79

227.66%

Interest On Balances With Rbi Other Inter Bank Funds

22.58

2.35

20.23

860.85%

Interest / Discount On Advances / Bills

4,243.60

1,658.33

2,585.27

155.9%

Others

45.16

1.66

43.50

2620.48%

Other Income

730.95

306.70

424.25

138.33%

Total Income

5,750.10

2,185.06

3,565.04

163.16%

Interest Expended

2,436.82

785.47

1,651.35

210.24%

Net Interest Income

2,582.33

1,092.89

1,489.44

136.28%

Total Expenditure (Excl Depreciation)

1,961.76

884.99

1,076.77

121.67%

Employee Cost

1,044.91

469.95

574.96

122.34%

Other Operating Expenses

916.85

415.04

501.81

120.91%

Operating Profit Before Provisions and Contingencies

1,351.52

514.60

836.92

162.64%

Exceptional Items

0.00

Provisions and contingencies

269.43

143.85

125.58

87.3%

Profit Before Tax

1,082.08

370.75

711.33

191.86%

Tax

250.21

88.78

161.43

181.83%

Profit After Tax

831.87

281.97

549.90

195.02%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

831.87

281.97

549.90

195.02%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

11.12

1.45

9.67

666.9%

Diluted Earnings per share

11.01

1.43

9.58

669.93%

Operating Profit Margin (Excl OI)

55.55%

45.23%

0.00

10.32%

Gross Profit Margin

21.56%

19.74%

0.00

1.82%

PAT Margin

16.57%

15.01%

0.00

1.56%

Net Interest Margin

6.00%

8.50%

-2.50

-2.50%

Return on Assets

0.45%

0.51%

-0.06

-0.06%

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%

Quarterly - Interest Earned

Interest Earned 5019.15 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 6.17% vs 4.79% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 17.53% vs 50.93% in Mar 2025

Quarterly - Net Profit

Net Profit 831.87 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 24.59% vs 19.04% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 65.15% vs 16.24% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,351.52 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 11.21% vs 0.46% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 4.59% vs 98.95% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.74%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.14% vs 0.00% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.03%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.27% vs -0.11% in Dec 2025

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