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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹8,012 Cr on total income of ₹20,828 Cr.
Cost-to-income ratio at 56.5%. Provision coverage at 8.6% of income.
“we do believe that we have the potential to deliver a 1.”
“Margins expanded by 25 basis points quarter on quarter to 5.”
“credit cost should be, you know, in range bound, unless something dramatically goes wrong.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 13.2%▲ | 12.6% |
| Net Margin | 10.1%▼ | 12.3% |
| EBITDA Margin | 60.1%▼ | 68.7% |
| Debt To Equity | 7.64x▼ | 7.75x |
| NIM | 7.5%▼ | 390.0% |
| Cost To Income | 56.5% | - |
| Credit Deposit Ratio | 86.20x | 83.00x |
Historical valuation data not available.
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| (₹ Cr) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹13,368 Cr +58.4% | ₹8,442 Cr +23.3% | ₹6,847 Cr +40.3% | ₹4,882 Cr +23.7% | ₹3,947 Cr +15.6% | ₹3,415 Cr +45.4% | ₹2,348 Cr |
| Income on Investments | ₹2,238 Cr +37.1% | ₹1,632 Cr +37.2% | ₹1,190 Cr +52.4% | ₹781 Cr +1.0% | ₹773 Cr +26.0% | ₹613 Cr +123.8% | ₹274 Cr |
| ₹2,526 Cr +44.7% | ₹1,746 Cr +68.8% | ₹1,034 Cr +4.1% | ₹994 Cr -31.5% | ₹1,452 Cr +105.6% | ₹706 Cr +52.8% | ₹462 Cr | |
| Total Income | ₹18,590 Cr +51.1% | ₹12,301 Cr +33.1% | ₹9,240 Cr +33.6% | ₹6,915 Cr +8.0% | ₹6,402 Cr +28.2% | ₹4,992 Cr +46.4% | ₹3,411 Cr |
| Interest Expended | ₹8,052 Cr +49.2% | ₹5,398 Cr +42.8% | ₹3,780 Cr +40.7% | ₹2,688 Cr +4.0% | ₹2,585 Cr +8.7% | ₹2,377 Cr +48.0% | ₹1,606 Cr |
| Employee Cost | ₹3,148 Cr +49.6% | ₹2,104 Cr +17.3% | ₹1,793 Cr +30.0% | ₹1,379 Cr +40.7% | ₹980 Cr +29.0% | ₹760 Cr +26.4% | ₹601 Cr |
| Other Operating Expenses | ₹2,809 Cr +23.0% | ₹2,284 Cr +38.7% | ₹1,647 Cr +59.3% | ₹1,034 Cr +52.4% | ₹678 Cr +3.0% | ₹658 Cr +36.7% | ₹481 Cr |
| Provisions & Contingencies | ₹1,793 Cr +308.6% | ₹439 Cr +183.4% | ₹155 Cr -57.1% | ₹361 Cr -48.4% | ₹700 Cr +147.2% | ₹283 Cr +99.8% | ₹142 Cr |
| Total Expenditure | ₹14,009 Cr +43.2% | ₹9,786 Cr +35.5% | ₹7,220 Cr +41.6% | ₹5,100 Cr +20.2% | ₹4,243 Cr +11.8% | ₹3,795 Cr +41.1% | ₹2,689 Cr |
| Profit Before Tax | ₹2,788 Cr +39.4% | ₹1,999 Cr +7.2% | ₹1,865 Cr +28.2% | ₹1,454 Cr -0.3% | ₹1,459 Cr +59.6% | ₹914 Cr +57.5% | ₹580 Cr |
| Exceptional Items | ₹0.00 Cr +100.0% | (₹77 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Tax | ₹682 Cr +46.8% | ₹465 Cr +6.4% | ₹437 Cr +34.7% | ₹324 Cr +12.7% | ₹288 Cr +20.3% | ₹239 Cr +20.6% | ₹198 Cr |
| Net Profit | ₹2,106 Cr +37.2% | ₹1,535 Cr +7.5% | ₹1,428 Cr +26.4% | ₹1,130 Cr -3.5% | ₹1,171 Cr +73.5% | ₹675 Cr +76.7% | ₹382 Cr |
| EPS | ₹28.29 | ₹22.93 | ₹21.42 | ₹17.94 | ₹18.75 | ₹11.09 | ₹6.53 |
| Diluted Shares | ₹74 Cr | ₹67 Cr | ₹67 Cr | ₹63 Cr | ₹62 Cr | ₹61 Cr | ₹58 Cr |
| Other Interest | ₹388 Cr -6.1% | ₹413 Cr +274.9% | ₹110 Cr -36.1% | ₹173 Cr +19.3% | ₹145 Cr -37.6% | ₹232 Cr -17.4% | ₹281 Cr |
| Non Performing Assets | ₹791 Cr +97.3% | ₹401 Cr +63.6% | ₹245 Cr +6.2% | ₹231 Cr -69.4% | ₹755 Cr +247.7% | ₹217 Cr -26.2% | ₹295 Cr |
| Gross Non Performing Assets | ₹2,477 Cr +100.2% | ₹1,237 Cr +26.1% | ₹981 Cr +6.2% | ₹924 Cr -38.5% | ₹1,503 Cr +228.3% | ₹458 Cr -2.6% | ₹470 Cr |
| Interest (RBI & Others) | ₹69 Cr +3.4% | ₹67 Cr +14.8% | ₹58 Cr -33.1% | ₹87 Cr +2.4% | ₹85 Cr +229.4% | ₹26 Cr -44.0% | ₹46 Cr |
AU Small Finance Bank Limited has informed the Exchange regarding a press release dated May 19, 2026, titled "AU Small Finance Bank adopts Intellect s Purple Fabric to accelerate its AI-First Banking ...
AU Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
AU Small Finance Bank Limited has informed the Exchange regarding 'Approval granted by Reserve Bank of India (RBI) to Kotak Mahindra Bank Limited for acquiring aggregate holding of up to 9.99% of the ...
AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 196822 Shares.
AU Small Finance Bank Limited has informed the Exchange about Investor Presentation
AU Small Finance Bank Limited has informed the Exchange regarding a press release dated April 27, 2026, titled "Press Release on Audited Financial Results of AU Small Finance Bank Limited for the Quar...
AU Small Finance Bank Limited has informed the Exchange that Board of Directors at its meeting held on April 27, 2026, recommended Final Dividend of Re. 1 per equity share.
AU Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on April 27, 2026.
AU Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
AU Small Finance Bank Limited has informed the Exchange about Schedule of meet
AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 133465 Shares.
Press Release - Clarification on Media Reports Relating to Haryana Government deempanelment instructions
AU Small Finance Bank Limited has informed the Exchange about Schedule of meet
AU Small Finance Bank Limited has informed the Exchange regarding Allotment of 252429 Shares.
This is with reference to our letters dated October 17, 2025 and December 26, 2025 informing about Board and Shareholders approval for the re-appointment of Mr. Sanjay Agarwal (DIN: 0...