AU Small Finance Bank Ltd posts PAT of Rs. 667.65 crores in Q3 FY2025-26

AU Small Finance Bank Limited has reported Standalone financial results for the period ended December 31, 2025.

Financial Results (Q3 FY2026) - QoQ Comparison

The company has reported total income of Rs. 5451.2643 crores during the period ended December 31, 2025 as compared to Rs. 5223.8655 crores during the period ended September 30, 2025.

The company has posted net profit / (loss) of Rs. 667.6564 crores for the period ended December 31, 2025 as against net profit / (loss) of Rs. 560.8703 crores for the period ended September 30, 2025.

The company has reported EPS of Rs. 8.87 for the period ended December 31, 2025 as compared to Rs. 7.48 for the period ended September 30, 2025.

Financials	Q3 FY2026	Q2 FY2026	% Change
Total Income	₹ 5451.2643 crs	₹5223.8655 crs	4.35%
Net Profit	₹667.6564 crs	₹560.8703 crs	19.04%
EPS	₹8.87	₹7.48	18.58%

Financial Results (Q3 FY2026) - YoY Comparison

The company has reported total income of Rs. 5451.2643 crores during the period ended December 31, 2025 as compared to Rs.4731.8852 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs.667.6564 crores for the period ended December 31, 2025 as against net profit / (loss) of Rs.528.4463 crores for the period ended December 31, 2024.

The company has reported EPS of Rs.8.87 for the period ended December 31, 2025 as compared to Rs.7.08 for the period ended December 31, 2024.

Financials	Q3 FY2026	Q3 FY2025	% Change
Total Income	₹ 5451.2643 crs	₹4731.8852 crs	15.20%
Net Profit	₹667.6564 crs	₹528.4463 crs	26.34%
EPS	₹8.87	₹7.08	25.28%

Financial Results (9 Months Ended FY2026) - YoY Comparison

The company has reported total income of Rs.15864.1789 crores during the 9 Months period ended December 31, 2025 as compared to Rs.13558.7749 crores during the 9 Months period ended December 31, 2024.

The company has posted net profit / (loss) of Rs.1809.3848 crores for the 9 Months period ended December 31, 2025 as against net profit / (loss) of Rs.1602.2280 crores for the 9 Months period ended December 31, 2024.

The company has reported EPS of Rs.24.07 for the 9 Months period ended December 31, 2025 as compared to Rs.21.47 for the 9 Months period ended December 31, 2024.

Financials	9 Months Ended FY2026	9 Months Ended FY2025	% Change
Total Income	₹15864.1789 crs	₹13558.7749 crs	17.00%
Net Profit	₹1809.3848 crs	₹1602.2280 crs	12.93%
EPS	₹24.07	₹21.47	12.11%

Asset Quality:

Asset Quality	Q3 FY2026	Q2 FY2026	Q3 FY2025
Gross NPA	₹2880.5426 crs	₹2835.3392 crs	₹2335.5124 crs
Gross NPA %	2.30%	2.41%	2.31%
Net NPA	₹1091.4603 crs	₹1015.6644 crs	₹905.5973 crs
Net NPA %	0.88%	0.88%	0.91%

Gross NPA was at ₹ 2880.5426 crs in Q3 FY2026 against ₹ 2335.5124 crs in Q3 FY2025. The same was at ₹ 2835.3392 crs in Q2 FY2026.

Net NPA was at ₹ 1091.4603 crs in Q3 FY2026 against ₹ 905.5973 crs in Q3 FY2025. The same was at ₹ 1015.6644 crs in Q2 FY2026.

GNPA was at 2.30% of Gross advances as on December 31, 2025 as compared to 2.31% as on December 31, 2024 and 2.41% as of September 30, 2025.

Net NPA was at 0.88% of Gross advances as on December 31, 2025 as compared to 0.91% as on December 31, 2024 and 0.88% as of September 30, 2025.

Ratios	Q3 FY2026	Q2 FY2026	Q3 FY2025
RoA %	0.39%	0.35%	0.37%
CAR (BASEL III) %	19.01%	18.78%	18.01%

Return on Average Assets (RoA) is at 0.39% for Q3 FY2026 against 0.35% in Q2 FY2026 and 0.37% in Q3 FY2025.

In Q3 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 19.01%, as compared to 18.78% in Q2 FY2026 and 18.01% in Q3 FY2025.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 1000.80 as compared to the previous close of Rs. 1020.70. The total number of shares traded during the day was 31420 in over 2512 trades.

The stock hit an intraday high of Rs. 1022.05 and intraday low of 992.60. The net turnover during the day was Rs. 31620822.00.

Source : Equity Bulls

Keywords

AUSmallFinanceBank Q3FY26 Q3FY2026 9MFY26 9MFY2026 ResultUpdate