AU Small Finance Bank Ltd Q2 FY2026 PAT slips to Rs. 560.87 crores

AU Small Finance Bank Limited has reported Standalone financial results for the period ended September 30, 2025.

Financial Results (Q2 FY2026) - QoQ Comparison

The company has reported total income of Rs. 5223.8655 crores during the period ended September 30, 2025 as compared to Rs. 5189.0491 crores during the period ended June 30, 2025.

The company has posted net profit / (loss) of Rs. 560.8703 crores for the period ended September 30, 2025 as against net profit / (loss) of Rs. 580.8582 crores for the period ended June 30, 2025.

The company has reported EPS of Rs. 7.48 for the period ended September 30, 2025 as compared to Rs. 7.78 for the period ended June 30, 2025.

Financials	Q2 FY2026	Q1 FY2026	% Change
Total Income	₹ 5223.8655 crs	₹5189.0491 crs	0.67%
Net Profit	₹560.8703 crs	₹580.8582 crs	-3.44%
EPS	₹7.48	₹7.78	-3.86%

Financial Results (Q2 FY2026) - YoY Comparison

The company has reported total income of Rs. 5223.8655 crores during the period ended September 30, 2025 as compared to Rs.4548.5769 crores during the period ended September 30, 2024.

The company has posted net profit / (loss) of Rs.560.8703 crores for the period ended September 30, 2025 as against net profit / (loss) of Rs.571.2104 crores for the period ended September 30, 2024.

The company has reported EPS of Rs.7.48 for the period ended September 30, 2025 as compared to Rs.7.65 for the period ended September 30, 2024.

Financials	Q2 FY2026	Q2 FY2025	% Change
Total Income	₹ 5223.8655 crs	₹4548.5769 crs	14.85%
Net Profit	₹560.8703 crs	₹571.2104 crs	-1.81%
EPS	₹7.48	₹7.65	-2.22%

Financial Results (Half Year Ended FY2026) - YoY Comparison

The company has reported total income of Rs.10412.9146 crores during the 6 Months period ended September 30, 2025 as compared to Rs.8826.8897 crores during the 6 Months period ended September 30, 2024.

The company has posted net profit / (loss) of Rs.1141.7285 crores for the 6 Months period ended September 30, 2025 as against net profit / (loss) of Rs.1073.7816 crores for the 6 Months period ended September 30, 2024.

The company has reported EPS of Rs.15.24 for the 6 Months period ended September 30, 2025 as compared to Rs.14.39 for the 6 Months period ended September 30, 2024.

Financials	Half Year Ended FY2026	Half Year Ended FY2025	% Change
Total Income	₹10412.9146 crs	₹8826.8897 crs	17.97%
Net Profit	₹1141.7285 crs	₹1073.7816 crs	6.33%
EPS	₹15.24	₹14.39	5.91%

Asset Quality:

Asset Quality	Q2 FY2026	Q1 FY2026	Q2 FY2025
Gross NPA	₹2835.3392 crs	₹2751.3185 crs	₹1901.6888 crs
Gross NPA %	2.41%	2.47%	1.98%
Net NPA	₹1015.6644 crs	₹971.3437 crs	₹706.6955 crs
Net NPA %	0.88%	0.88%	0.75%

Gross NPA was at ₹ 2835.3392 crs in Q2 FY2026 against ₹ 1901.6888 crs in Q2 FY2025. The same was at ₹ 2751.3185 crs in Q1 FY2026.

Net NPA was at ₹ 1015.6644 crs in Q2 FY2026 against ₹ 706.6955 crs in Q2 FY2025. The same was at ₹ 971.3437 crs in Q1 FY2026.

GNPA was at 2.41% of Gross advances as on September 30, 2025 as compared to 1.98% as on September 30, 2024 and 2.47% as of June 30, 2025.

Net NPA was at 0.88% of Gross advances as on September 30, 2025 as compared to 0.75% as on September 30, 2024 and 0.88% as of June 30, 2025.

Ratios	Q2 FY2026	Q1 FY2026	Q2 FY2025
RoA %	0.35%	0.37%	0.43%
CAR (BASEL III) %	18.78%	19.42%	18.51%

Return on Average Assets (RoA) is at 0.35% for Q2 FY2026 against 0.37% in Q1 FY2026 and 0.43% in Q2 FY2025.

In Q2 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 18.78%, as compared to 19.42% in Q1 FY2026 and 18.51% in Q2 FY2025.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 797.00 as compared to the previous close of Rs. 801.25. The total number of shares traded during the day was 52748 in over 2306 trades.

The stock hit an intraday high of Rs. 813.65 and intraday low of 793.40. The net turnover during the day was Rs. 42499201.00.

Source : Equity Bulls

Keywords

AUSmallFinanceBank Q2FY26 Q2FY2026 H1FY26 H1FY2026 ResultUpdate