AU Small Finance Bank reported a strong performance in the third quarter of FY26, posting healthy profit growth supported by higher net interest income, stable margins, improving asset quality, and steady deposit growth. The bank also expanded its physical presence and benefited from lower credit costs during the quarter.
Key Financial Performance (Q3 FY26 vs Q3 FY25)
Metric
Q3 FY26
Q3 FY25
YoY Change
Net Profit
₹667.65 crore
₹528.44 crore
â–² 26.3%
Net Interest Income (NII)
₹2,341.26 crore
—
â–² 15.7%
Net Interest Margin (NIM)
5.7%
5.9%
â–¼ 20 bps
Profitability and Cost Metrics
Particulars
Q3 FY26
YoY Change
Pre-Provisioning Operating Profit (PPoP)
₹1,235 crore
â–² 3%
Credit Cost
₹331 crore
â–¼ 34%
Deposit Growth Snapshot
Deposit Metric
Amount
Growth
Total Deposits
₹1,38,415 crore
â–² 23.3% YoY, â–² 4.5% QoQ
CASA Ratio
~29%
Unchanged
CASA Deposits
—
â–² 16% YoY
CASA Deposit Break-up
Type
Q3 FY26
YoY Growth
Current Deposits
₹7,404 crore
â–² 31%
Savings Deposits
₹32,543 crore
â–² 13%
Asset Quality Indicators
Metric
Q3 FY26
Q2 FY26
Gross NPA (GNPA)
2.30%
2.41%
Net NPA
0.88%
0.88%
Business Expansion
Particulars
Details
Net Touchpoints Added
100
New Liability Branches
27
Total Touchpoints
2,726
Geographic Presence
21 states, 4 union territories
AU Small Finance Bank’s shares were trading 0.97 per cent down at Rs 985.25 on Thursday (at 11 AM IST).
