Stock Report

AU Small Finance Bank Ltd Q4 FY26 PAT rises to Rs. 831.86 crores

Posted On : 2026-04-28 12:07:48( TIMEZONE : IST )

AU Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2026.

Financial Results (Q4 FY2026) - QoQ Comparison

The company has reported total income of Rs. 5750.0988 crores during the period ended March 31, 2026 as compared to Rs. 5451.2643 crores during the period ended December 31, 2025.

The company has posted net profit / (loss) of Rs. 831.8695 crores for the period ended March 31, 2026 as against net profit / (loss) of Rs. 667.6564 crores for the period ended December 31, 2025.

The company has reported EPS of Rs. 11.01 for the period ended March 31, 2026 as compared to Rs. 8.87 for the period ended December 31, 2025.

Financials	Q4 FY2026	Q3 FY2026	% Change
Total Income	₹ 5750.0988 crs	₹5451.2643 crs	5.48%
Net Profit	₹831.8695 crs	₹667.6564 crs	24.60%
EPS	₹11.01	₹8.87	24.13%

Financial Results (Q4 FY2026) - YoY Comparison

The company has reported total income of Rs. 5750.0988 crores during the period ended March 31, 2026 as compared to Rs.5031.2671 crores during the period ended March 31, 2025.

The company has posted net profit / (loss) of Rs.831.8695 crores for the period ended March 31, 2026 as against net profit / (loss) of Rs.503.6986 crores for the period ended March 31, 2025.

The company has reported EPS of Rs.11.01 for the period ended March 31, 2026 as compared to Rs.6.75 for the period ended March 31, 2025.

Financials	Q4 FY2026	Q4 FY2025	% Change
Total Income	₹ 5750.0988 crs	₹5031.2671 crs	14.29%
Net Profit	₹831.8695 crs	₹503.6986 crs	65.15%
EPS	₹11.01	₹6.75	63.11%

Financial Results (Year Ended FY2026) - YoY Comparison

The company has reported total income of Rs.21614.2776 crores during the Financial Year ended March 31, 2026 as compared to Rs.18590.0420 crores during the Financial Year ended March 31, 2025.

The company has posted net profit / (loss) of Rs.2641.2543 crores for the Financial Year ended March 31, 2026 as against net profit / (loss) of Rs.2105.9226 crores for the Financial Year ended March 31, 2025.

The company has reported EPS of Rs.35.01 for the Financial Year ended March 31, 2026 as compared to Rs.28.24 for the Financial Year ended March 31, 2025.

Financials	Year Ended FY2026	Year Ended FY2025	% Change
Total Income	₹21614.2776 crs	₹18590.0420 crs	16.27%
Net Profit	₹2641.2543 crs	₹2105.9226 crs	25.42%
EPS	₹35.01	₹28.24	23.97%

Asset Quality:

Asset Quality	Q4 FY2026	Q3 FY2026	Q4 FY2025
Gross NPA	₹2755.6406 crs	₹2880.5426 crs	₹2477.0229 crs
Gross NPA %	2.03%	2.30%	2.28%
Net NPA	₹989.8987 crs	₹1091.4603 crs	₹791.3432 crs
Net NPA %	0.74%	0.88%	0.74%

Gross NPA was at ₹ 2755.6406 crs in Q4 FY2026 against ₹ 2477.0229 crs in Q4 FY2025. The same was at ₹ 2880.5426 crs in Q3 FY2026.

Net NPA was at ₹ 989.8987 crs in Q4 FY2026 against ₹ 791.3432 crs in Q4 FY2025. The same was at ₹ 1091.4603 crs in Q3 FY2026.

GNPA was at 2.03% of Gross advances as on March 31, 2026 as compared to 2.28% as on March 31, 2025 and 2.30% as of December 31, 2025.

Net NPA was at 0.74% of Gross advances as on March 31, 2026 as compared to 0.74% as on March 31, 2025 and 0.88% as of December 31, 2025.

Ratios	Q4 FY2026	Q3 FY2026	Q4 FY2025
RoA %	0.45%	0.39%	0.34%
CAR (BASEL III) %	18.68%	19.01%	20.06%

Return on Average Assets (RoA) is at 0.45% for Q4 FY2026 against 0.39% in Q3 FY2026 and 0.34% in Q4 FY2025.

In Q4 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 18.68%, as compared to 19.01% in Q3 FY2026 and 20.06% in Q4 FY2025.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 1043.45 as compared to the previous close of Rs. 1065.60. The total number of shares traded during the day was 67283 in over 4414 trades.

The stock hit an intraday high of Rs. 1063.95 and intraday low of 1028.50. The net turnover during the day was Rs. 70257354.00.