AU Small Finance Bank Q4 Net Profit Up 65% to ₹832 Cr; Recommends Re 1 Dividend

Mumbai, April 27, 2026: AU Small Finance Bank Limited, India's largest small finance bank, declared its audited financial results for the quarter and year ended March 31, 2026. The bank reported a 65% year-on-year surge in quarterly net profit to ₹832 crore.

The Board of Directors approved the financial results during a meeting held today, which commenced at 2:30 PM and concluded at 3:40 PM.

Key Financial Highlights – Q4 FY26

• Net Profit: ₹832 crore (up 65% from ₹504 crore in Q4 FY25)

• Total Income: ₹5,750 crore (up 14% from ₹5,031 crore in Q4 FY25)

• Profit Before Tax: ₹1,082 crore (up 65% from ₹657 crore in Q4 FY25)

• Earnings Per Share (Basic): ₹11.13 (vs ₹6.77 in Q4 FY25)

Also Read: SBI Cards Q4 Net Profit Rises 14% to ₹609 Cr; Full Year PAT at ₹2,167 Cr

Full Year FY26 Performance

• Net Profit for FY26: ₹2,641 crore (up 25% from ₹2,106 crore in FY25)

• Total Income for FY26: ₹21,614 crore (up 16% from ₹18,590 crore in FY25)

• Earnings Per Share (Basic) for FY26: ₹35.40 (vs ₹28.32 in FY25)

Dividend Announcement

The Board has recommended a dividend of Re 1 per equity share (10% on face value of ₹10 each) for FY26, subject to shareholder approval at the ensuing AGM.

Asset Quality

• Gross NPA: 2.03% (down from 2.28% a year ago)

• Net NPA: 0.74% (stable)

Capital Adequacy and Key Ratios

• Capital Adequacy Ratio (CAR): 18.68%

• Net Worth: ₹19,627 crore (up from ₹16,930 crore a year ago)

• Debt-Equity Ratio: 0.31

Balance Sheet Highlights

• Total Assets: ₹1,91,797 crore (up 21.5%)

• Deposits: ₹1,52,661 crore (up 23%)

• Advances: ₹1,34,276 crore (up 25%)

Segment Performance (Q4 FY26)

• Retail Banking: Profit of ₹708 crore (up from ₹253 crore)

• Wholesale Banking: Profit of ₹172 crore

• Treasury: Profit of ₹62 crore

Key Strategic Updates

1. Universal Banking License: RBI granted in-principle approval on August 7, 2025, for transition to a Universal Bank. Final application submitted in March 2026.

2. New CFO: Mr. Gaurav Jain appointed as CFO with effect from April 27, 2026.

3. Fund Raising Approvals (subject to shareholders):

• Equity (QIP/Preferential): Up to ₹7,500 crore

• Debt Instruments: Up to ₹6,000 crore (including ₹2,500 crore Tier II bonds)

Labour Codes Impact

The bank recognized an estimated incremental impact of ₹19.81 crore under 'Employees cost' due to new Labour Codes.

Auditor's Report

The Joint Statutory Auditors – MSKA & Associates LLP and Mukund M Chitale & Co. – have issued an unmodified opinion.