AU Small Finance Bank Q4 PAT Climbs 65% YoY to ₹832 Cr; ₹1 Dividend Declared

[{ "selector": ".jfmts-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateX(calc(360px - 291px)) scale(0.15)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateX(0px) scale(1)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".daciu-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "opacity": 0, "visibility" :"visible"}, {"offset": 1, "opacity": "1", "visibility" :"visible"} ] }]

Stellar Q4 Profit Jump

AU Small Finance Bank posted a 65.15% YoY surge in Q4 FY26 net profit to ₹831.87 crore, up from ₹503.7 crore in Q4 FY25, and up 25% sequentially from ₹668 crore in Q3 FY26.

[{ "selector": ".zlexp-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-15px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".mmtkm-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 550px))", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }]

NII & NIM Expand

Net Interest Income rose 23% YoY and 10% QoQ to ₹2,582 crore. NIM expanded 24 basis points to 5.96% in Q4 FY26, while cost of funds declined 12 basis points QoQ to 6.49%, reflecting improved operational efficiency.

[{ "selector": ".ulzoc-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-15px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".utaxp-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 550px))", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }]

Asset Quality Improves

GNPA ratio improved to 2.03% as of March 31, 2026, from 2.30% in December 2025. NNPA ratio improved to 0.74% from 0.88%. Slippages declined 17% QoQ to ₹659 crore, led by improvement across asset classes.

[{ "selector": ".djslr-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-15px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".iczxc-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 550px))", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }]

Deposits & Advances Surge

Total deposits rose 23% YoY and 10% QoQ to ₹1.52 lakh crore. CASA deposits grew 20% YoY to ₹43,357 crore, with CASA ratio at 28%. Gross loan portfolio grew 21% YoY and 8% QoQ to ₹1.40 lakh crore.

[{ "selector": ".lgplk-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-15px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".cocze-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 550px))", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }]

Universal Bank Milestone Ahead

AU SFB filed for its final licence to convert into a universal bank in March 2026 and is awaiting regulatory approval. Full year FY26 net profit stood at ₹2,641 crore, with the bank also approving capital raising of up to ₹13,500 crore.

[{ "selector": ".qclcu-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-15px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".ooskf-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 550px))", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }]

With Our Subscription Plans

[{ "selector": ".nmncw-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0, "visibility" :"visible"}, {"offset": 1, "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".kxorf-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "opacity": 0, "visibility" :"visible"}, {"offset": 1, "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".uqabg-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateX(-299px)", "opacity": "1", "visibility" :"visible" }, {"offset": 1, "transform": "translateX(0)", "opacity": "1", "visibility" :"visible"} ] }, { "selector": ".ijorf-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(-33px)", "opacity": "1", "visibility" :"visible"}, {"offset": 1, "transform": "translateY(0)", "opacity": "1", "visibility" :"visible"} ] }] Open Demat A/C

AU Small Finance Bank Q4 PAT Climbs 65% YoY to ₹832 Cr; ₹1 Dividend Declared

Stellar Q4 Profit Jump AU Small Finance Bank posted a 65.15% YoY surge in Q4 FY26 net profit to ₹831.87 crore, up from ₹503.7 crore in Q4 FY25, and up 25% sequentially from ₹668 crore in Q3 FY26.

NII & NIM Expand Net Interest Income rose 23% YoY and 10% QoQ to ₹2,582 crore. NIM expanded 24 basis points to 5.96% in Q4 FY26, while cost of funds declined 12 basis points QoQ to 6.49%, reflecting improved operational efficiency.

Asset Quality Improves GNPA ratio improved to 2.03% as of March 31, 2026, from 2.30% in December 2025. NNPA ratio improved to 0.74% from 0.88%. Slippages declined 17% QoQ to ₹659 crore, led by improvement across asset classes.

Deposits & Advances Surge Total deposits rose 23% YoY and 10% QoQ to ₹1.52 lakh crore. CASA deposits grew 20% YoY to ₹43,357 crore, with CASA ratio at 28%. Gross loan portfolio grew 21% YoY and 8% QoQ to ₹1.40 lakh crore.

Universal Bank Milestone Ahead AU SFB filed for its final licence to convert into a universal bank in March 2026 and is awaiting regulatory approval. Full year FY26 net profit stood at ₹2,641 crore, with the bank also approving capital raising of up to ₹13,500 crore.