AU Small Finance Bank quarterly results and financials

AU Small Finance Bank (AUBANK)₹929.000.00%(9 Nov 2026 close)Other Bank

Key facts

In the Jun 2026 quarter (standalone), AU Small Finance Bank reported revenue of ₹5,322 Cr, up 21.2% from Jun 2025, and net profit of ₹799 Cr, up 36.9% year on year. For the year to Mar 2026, revenue were ₹18,682 Cr and net profit ₹2,651 Cr.

Revenue (Jun 2026): ₹5,322 Cr
Net profit (Jun 2026): ₹799 Cr
Revenue (FY Mar 2026): ₹18,682 Cr
Net profit (FY Mar 2026): ₹2,651 Cr
EPS (Jun 2026): ₹10.65
Borrowings (Mar 2026): ₹13,867 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

AU Small Finance Bank quarterly results

₹ crore unless stated; each column is a quarter.

AU Small Finance Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	2,539	2,744	2,837	3,780	3,923	4,125	4,281	4,391	4,520	4,744	5,032	5,322
Interest	1,286	1,417	1,499	1,855	1,943	2,101	2,186	2,343	2,377	2,396	2,445	2,616
Net interest income	1,253	1,327	1,338	1,926	1,980	2,024	2,095	2,048	2,144	2,348	2,586	2,706
Expenses	1,119	1,265	1,342	1,755	1,849	1,932	2,192	2,070	2,122	2,173	2,226	2,312
Financing Profit	127	56.03	−9.01	160	121	85.04	−104	−32.04	16.02	160	351	375
Financing Margin %	5.0%	2.0%	0.0%	4.0%	3.0%	2.0%	−2.0%	−1.0%	0.0%	3.0%	7.0%	7.0%
Other Income	407	444	465	511	641	620	764	814	715	727	734	692
Profit before tax	531	497	453	666	756	700	654	776	727	881	1,078	1,060
Tax %	25.0%	24.9%	17.9%	24.9%	24.9%	25.0%	23.0%	24.9%	22.9%	24.0%	22.9%	25.0%
Exceptional items	0.00	0.00	−63.11	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	403	376	372	505	573	530	506	583	563	671	835	799
EPS (Rs)	6.02	5.62	5.55	6.78	7.69	7.11	6.79	7.81	7.54	8.96	11.15	10.65
Gross NPA %	1.9%	2.0%	1.7%	1.8%	2.0%	2.3%	2.3%	2.5%	2.4%	2.3%	2.0%	2.1%
Net NPA %	0.6%	0.7%	0.6%	0.6%	0.8%	0.9%	0.7%	0.9%	0.9%	0.9%	0.7%	0.8%
Provision coverage (approx., excl. write-offs) %	68.6%	65.7%	67.1%	64.6%	62.1%	60.6%	67.5%	64.4%	63.5%	61.7%	63.6%	63.8%

AU Small Finance Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

AU Small Finance Bank Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,012	1,283	1,770	2,956	4,295	4,965	5,936	8,223	10,580	16,101	18,682	19,617
Interest	397	498	830	1,614	2,386	2,596	2,697	3,796	5,422	8,086	9,556	9,833
Net interest income	616	785	940	1,342	1,909	2,369	3,239	4,428	5,158	8,015	9,127	9,784
Expenses	288	444	830	1,160	1,606	2,216	2,624	3,397	4,616	7,473	8,596	8,833
Financing Profit	326	339	109	180	296	142	601	1,017	528	520	496	903
Financing Margin %	32.0%	26.0%	6.0%	6.0%	7.0%	3.0%	10.0%	12.0%	5.0%	3.0%	3.0%	4.6%
Other Income	5.02	814	389	464	709	1,426	998	1,037	1,702	2,534	2,992	2,869
Depreciation	8.98	5.98	52.88	61.79	88.73	104	140	184	225	258	0.00	0.00
Profit before tax	322	1,139	441	578	911	1,452	1,449	1,859	1,992	2,777	3,461	3,746
Tax %	33.9%	28.0%	33.9%	34.0%	26.0%	19.9%	22.0%	22.9%	22.9%	24.0%	23.9%	—
Exceptional items	0.00	0.00	0.00	−1.01	−1.01	−1.01	0.00	−1.01	−1.01	−3.01	0.00	0.00
Net Profit	213	825	293	384	678	1,175	1,135	1,433	1,540	2,114	2,651	2,868
EPS (Rs)	24.04	14.50	5.12	6.55	11.12	18.78	17.99	21.47	22.97	28.37	35.40	38.30
Dividend payout %	0.0%	0.0%	5.0%	6.0%	0.0%	0.0%	3.0%	5.0%	4.0%	4.0%	3.0%	—

AU Small Finance Bank balance sheet

₹ crore, at each year end.

AU Small Finance Bank Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	43.89	43.93	283	285	291	303	311	314	665	667	744	747
Reserves	768	966	1,705	1,997	2,871	4,077	5,965	7,205	10,325	11,894	16,447	19,013
Deposits	—	—	0.00	7,923	19,428	26,178	35,960	52,569	69,315	87,154	1,24,298	1,52,723
Borrowings	2,879	4,784	7,118	7,636	8,606	10,325	7,027	5,982	6,292	5,474	11,661	13,867
Other Liabilities	348	504	677	994	1,431	1,273	2,318	3,002	3,592	4,225	4,774	5,559
Total Liabilities	4,038	6,298	9,784	18,836	32,628	42,156	51,582	69,073	90,189	1,09,415	1,57,923	1,91,908
Fixed Assets	18.95	23.94	35.95	379	439	437	476	608	706	782	823	1,433
CWIP	0.00	0.00	240	5.99	6.99	9.99	4.99	13.99	32.98	66.95	86.94	0.00
Investments	140	232	2,148	3,047	7,161	10,664	10,804	15,284	20,043	27,101	37,784	44,725
Other Assets	3,880	6,043	7,361	15,405	25,021	31,045	40,297	53,167	69,407	81,464	1,19,229	1,45,751
Cash & equivalents	204	123	0.00	401	696	725	1,154	5,314	8,413	4,109	8,161	6,987
Total Assets	4,038	6,298	9,784	18,836	32,628	42,156	51,582	69,073	90,189	1,09,415	1,57,923	1,91,908

AU Small Finance Bank cash flow

₹ crore, for each year.

AU Small Finance Bank Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−747	−1,939	−2,404	2,504	849	660	5,054	6,853	5,497	2,609	5,461	1,829
Cash from investing activity	−22.99	−33.01	552	−1,892	−2,305	−1,267	−990	−4,754	−4,323	−4,852	−4,780	−5,088
Cash from financing activity	783	1,969	2,453	522	1,440	2,241	−2,663	−951	2,330	−804	2,413	2,323
Net cash flow	12.03	−7.01	597	1,139	−21.04	1,632	1,416	1,149	3,502	−3,057	3,096	−946
Capex	8.98	13.96	256	164	126	91.80	141	281	305	345	263	807
Free cash flow	−757	−1,953	−2,665	2,342	725	570	4,919	6,578	5,196	2,273	5,208	1,027
CFO / OP %	−139.0%	−254.0%	−249.9%	284.1%	58.0%	35.1%	197.0%	220.0%	122.0%	52.1%	72.0%	28.1%

AU Small Finance Bank ratios

Working-capital days and returns, by year.

AU Small Finance Bank Ratios
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	19.1%	23.0%	55.1%	14.0%	14.1%	18.1%	22.1%	16.1%	15.1%	13.0%	14.1%	14.0%

AU Small Finance Bank: frequently asked questions

What are the latest quarterly results of AU Small Finance Bank?

For the Jun 2026 quarter, AU Small Finance Bank reported revenue of ₹5,322 Cr, up 21.2% year on year and net profit of ₹799 Cr, up 36.9% year on year.

What is the annual revenue of AU Small Finance Bank?

AU Small Finance Bank's revenue for the year to Mar 2026 were ₹18,682 Cr; over the last twelve months they were ₹19,617 Cr.

What is the net profit of AU Small Finance Bank?

Net profit for the year to Mar 2026 was ₹2,651 Cr, and ₹2,868 Cr over the last twelve months. Earnings per share over the same trailing period were ₹38.30.

What is the free cash flow of AU Small Finance Bank?

Cash from operations was ₹1,829 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹1,027 Cr.

Loading…