AU Small Finance Bank Ltd

Total income surged 14.29% to Rs 5,750.09 crore in Q4 FY26, compared with Rs 5031.27 crore posted in Q4 FY25. Profit before tax was at Rs 1,082.08 crore in the Q4 FY26, registering a growth of 64.66% year-on-year. Net interest income (NII) stood at Rs 2,582 crore in Q4 FY26, up 23% YoY. Net interest margin (NIM) stood at 5.9% in Q4 FY26, compared to 5.8% in Q4 FY25. The bank's pre-provisioning operating profit (PPoP) for Q4 FY26 grew 5% YoY and 11% QoQ to Rs 1,352 crore. The bank's total deposits increased 23% YoY and 10% QoQ to Rs 152,661 crore in Q4 FY26. CASA deposits increased by 20% YoY to Rs 43,357 crore in Q4 FY26, compared to Rs 36,253 crore in Q4 FY25; the CASA ratio was at 28% as of 31 March 2026. Provisions (other than tax) and contingencies declined to Rs 269.43 crore in Q4 FY26 from Rs 635.11 crore a year ago, falling 57.58% year-on-year and 18.64% sequentially. On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 2,756 crore as on 31 March 2026 as against Rs 2,477 crore as of 31 March 2025. The bank's net non-performing assets (NPAs) stood at Rs 990 crore as of 31 March 2026 as against Rs 791 crore as of 31 March 2025. The ratio of gross NPA stood at 2.03% versus 2.30% quarter-on-quarter, while net NPA came in at 0.74% versus 0.88% in the previous quarter. Cost of funds declined 12 bps sequentially to 6.49%. Core other income increased 14% year-on-year and 7% quarter-on-quarter to Rs 748 crore, while overall other income stood at Rs 731 crore, down 4% year-on-year but up 1% sequentially. Operating expenses rose 26% year-on-year and 6% quarter-on-quarter to Rs 1,962 crore. The cost-to-income ratio improved to 59.2% in Q4 FY26 from 59.7% in Q3 FY26, excluding exceptional items. Pre-provisioning operating profit increased 5% year-on-year and 11% sequentially to Rs 1,352 crore. Return on assets stood at 1.8% for Q4 FY26 and 1.6% for FY26, while return on equity was 17.0% for the quarter and 14.2% for the full year. The cost-to-assets ratio declined to 4.1% in FY26 from 4.3% in FY25, excluding the CGFMU premium. The gross loan portfolio grew 21% year-on-year and 8% quarter-on-quarter to Rs 1,40,327 crore. Secured businesses, including retail and commercial, rose 23% year-on-year and 7% sequentially. Unsecured businesses, comprising MFI, credit card, and personal loans, grew 7% sequentially, led by MFI and personal loans, while declining 1% year-on-year. Credit cost improved to 0.96% of average assets in FY26 from 1.3% in FY25 and stood at 1% including the CGFMU premium. During Q4 FY26, the bank added 64 physical touchpoints, including 13 new deposit branches, taking the total network to 2,790. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank, said, 'We have strengthened our franchise, embedded technology into our core, and invested in every dimension that matters like governance, leadership, distribution, and scale. This month, we launched our first agentic AI platform and our first AI-native loan origination system on that platform, signalling our intent to fundamentally reimagine banking. I am genuinely excited about what lies ahead and look forward to sharing more in the quarters to come. The strength of our foundation and the quality of our franchise give me confidence that as we approach our universal banking milestone, we do so with clarity of purpose and conviction in our trajectory. We are deeply grateful to the Government of India, RBI, and our other regulators; our customers; our shareholders; our team; and every stakeholder who makes this journey possible.' On a full-year basis, the bank's net profit surged 25.42% to Rs 2,641.25 crore on a 16.27% surge in total income to Rs 2,1614.28 crore in FY26 over FY25. Meanwhile, the Board has recommended a dividend of Rs 1 per equity share (face value Rs 10, i.e., 10%) for FY26, subject to shareholder approval at the ensuing AGM. The dividend will be paid after approval. Further, the bank has appointed Gaurav Jain as Chief Financial Officer (CFO) with effect from April 27, 2026. He was earlier serving as interim CFO from September 26, 2025. An all-India rank holder Chartered Accountant and MBA from Kellogg School of Management, he brings over two decades of global experience across India, London, and New York, having worked with Morgan Stanley, Lloyds Banking Group, Tech Mahindra, and PwC. He will continue as Key Managerial Personnel (KMP) and Senior Management Personnel (SMP) of the bank. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. Shares of AU Small Finance Bank fell 2.08% to close at Rs 1,043.45 on the BSE.

Net profit of AU Small Finance Bank rose 65.15% to Rs 831.87 crore in the quarter ended March 2026 as against Rs 503.70 crore during the previous quarter ended March 2025. Total Operating Income rose 17.53% to Rs 5019.15 crore in the quarter ended March 2026 as against Rs 4270.60 crore during the previous quarter ended March 2025. For the full year,net profit rose 25.42% to Rs 2641.25 crore in the year ended March 2026 as against Rs 2105.93 crore during the previous year ended March 2025. Total Operating Income rose 16.02% to Rs 18636.34 crore in the year ended March 2026 as against Rs 16063.73 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Total Operating Income5019.154270.60 18 18636.3416063.73 16 OPM %55.5548.54 -53.7651.76 - PBDT1082.08657.15 65 3474.042788.06 25 PBT1082.08657.15 65 3474.042788.06 25 NP831.87503.70 65 2641.252105.93 25 Powered by Capital Market - Live

AU Small Finance Bank has allotted 91,668 equity shares under ESOP on 22 April 2026. Consequently, the paid up equity share capital has increased to Rs. 7,48,35,87,890.

AU Small Finance Bank Ltd gained for a fifth straight session today. The stock is quoting at Rs 1034.75, up 3.72% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.77% on the day, quoting at 24552.55. The Sensex is at 79171.6, up 0.83%. AU Small Finance Bank Ltd has gained around 21.8% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has gained around 11.38% in last one month and is currently quoting at 56582.35, up 1.25% on the day. The volume in the stock stood at 25.08 lakh shares today, compared to the daily average of 23.72 lakh shares in last one month. The benchmark April futures contract for the stock is quoting at Rs 1035.45, up 3.68% on the day. AU Small Finance Bank Ltd is up 68.58% in last one year as compared to a 1.59% jump in NIFTY and a 2.95% jump in the Nifty Bank index.The PE of the stock is 32.26 based on TTM earnings ending December 25.

AU Small Finance Bank will hold a meeting of the Board of Directors of the Company on 27 April 2026.

AU Small Finance Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 962.2, up 8.3% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 3.58% on the day, quoting at 23952.55. The Sensex is at 77387.3, up 3.71%. AU Small Finance Bank Ltd has risen around 3.28% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has risen around 1.09% in last one month and is currently quoting at 52716.25, up 5.11% on the day. The volume in the stock stood at 28.31 lakh shares today, compared to the daily average of 27.92 lakh shares in last one month. The benchmark April futures contract for the stock is quoting at Rs 966.7, up 8.65% on the day. AU Small Finance Bank Ltd is up 73.59% in last one year as compared to a 6.94% spurt in NIFTY and a 10.29% spurt in the Nifty Bank index.The PE of the stock is 28.71 based on TTM earnings ending December 25.

On a sequential basis, total deposits increased 10.3% from Rs 1,38,415 crore as of 31 December 2025. CASA deposits stood at Rs 43,360 crore as of 31 March 2026, up 19.6% YoY and 8.5% QoQ. The CASA ratio declined to 28.4% as of 31 March 2026, compared to 29.2% as of 31 March 2025 and 28.9% as of 31 December 2025. Gross advances rose 25.1% YoY to Rs 1,36,040 crore as of 31 March 2026, compared with Rs 1,08,778 crore as of 31 March 2025, while increasing 8.7% QoQ from Rs 1,25,209 crore as of 31 December 2025. The securitized/assigned portfolio stood at Rs 4,290 crore as of 31 March 2026, compared to Rs 6,926 crore as of 31 March 2025 and Rs 4,689 crore as of 31 December 2025. The gross loan portfolio grew 21.3% YoY to Rs 1,40,330 crore as of 31 March 2026, compared with Rs 1,15,704 crore as of 31 March 2025, and rose 8% QoQ from Rs 1,29,898 crore as of 31 December 2025. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. The bank reported a 26.34% jump in standalone net profit to Rs 667.66 crore in Q3 FY26, compared with Rs 528.45 crore in Q3 FY25. Total income increased 15.20% year on year (YoY) to Rs 5,451.26 crore in Q3 FY26, as against Rs 4,731.89 crore in Q3 FY25.

AU Small Finance Bank Ltd rose for a third straight session today. The stock is quoting at Rs 920.3, up 2.02% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.87% on the day, quoting at 23785.75. The Sensex is at 76784.54, up 0.94%. AU Small Finance Bank Ltd has dropped around 9.51% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has dropped around 9.17% in last one month and is currently quoting at 54876, up 0.54% on the day. The volume in the stock stood at 7.58 lakh shares today, compared to the daily average of 40.11 lakh shares in last one month. The benchmark March futures contract for the stock is quoting at Rs 921.3, up 2.15% on the day. AU Small Finance Bank Ltd is up 75.03% in last one year as compared to a 3.83% gain in NIFTY and a 11% gain in the Nifty Bank index.The PE of the stock is 29.19 based on TTM earnings ending December 25.Powered by Capital Market - Live

AU Small Finance Bank has allotted 1,33,465 equity shares under ESOP on 12 March 2026. The paid-up equity share capital of the Bank will accordingly increase from Rs. 7,48,09,10,520 to Rs. 7,48,22,45,170. Powered by Capital Market - Live

AU Small Finance Bank Ltd dropped for a fifth straight session today. The stock is quoting at Rs 938.75, down 1.31% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 1.71% on the day, quoting at 24441.45. The Sensex is at 78946.32, down 1.61%.AU Small Finance Bank Ltd has eased around 4.79% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has eased around 2.32% in last one month and is currently quoting at 59839.65, down 1.96% on the day. The volume in the stock stood at 15.78 lakh shares today, compared to the daily average of 39.5 lakh shares in last one month. The benchmark March futures contract for the stock is quoting at Rs 943.2, down 1.4% on the day. AU Small Finance Bank Ltd jumped 71.79% in last one year as compared to a 9.42% rally in NIFTY and a 20.99% spurt in the Nifty Bank index.The PE of the stock is 30.76 based on TTM earnings ending December 25.Powered by Capital Market - Live