AU Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q3 FY26
AU SFB Q4 FY26 PAT up 65% YoY to ₹832 Cr; FY26 PAT up 25%
27 Apr 2026 · 27 Apr, 4:41 pm
Summary
AU Small Finance Bank delivered a strong all-round performance for Q4 and the full financial year FY26. Q4’FY26 Profit After Tax (PAT) recorded a significant 65% year-on-year increase, reaching ₹832 crore, contributing to a 25% growth in full-year FY26 profit to ₹2,641 crore. The bank's Net Interest Income (NII) in Q4’FY26 rose by 23% year-on-year to ₹2,582 crore, complemented by a 24 basis points expansion in Net Interest Margin (NIM) to 5.96%. Robust growth was observed across key metrics, with total deposits growing 23% year-on-year to ₹1,52,661 crore and the gross loan portfolio expanding 21% year-on-year to ₹1,40,327 crore, alongside sequential improvements in asset quality. Management expressed confidence in the bank's strengthened foundation and clear trajectory as it progresses towards its universal banking milestone, underscoring consistency in strategy and significant investments in technology and distribution.
Key Highlights
- 1
Profit After Tax (PAT) for Q4’FY26 surged by 65% year-on-year and 25% quarter-on-quarter to ₹832 crore.
- 2
For the full financial year FY26, the bank's profit grew by 25% to ₹2,641 crore.
- 3
Net Interest Income (NII) in Q4’FY26 increased by 23% year-on-year and 10% quarter-on-quarter, reaching ₹2,582 crore.
- 4
Net Interest Margin (NIM) expanded by 24 basis points quarter-on-quarter to 5.96% in Q4’FY26.
- 5
Total deposits grew by 23% year-on-year and 10% quarter-on-quarter, amounting to ₹1,52,661 crore.
- 6
The Gross Loan Portfolio expanded by 21% year-on-year and 8% quarter-on-quarter, reaching ₹1,40,327 crore.
- 7
Asset quality improved sequentially with the Gross Non-Performing Asset (GNPA) ratio at 2.03% and Net Non-Performing Asset (NNPA) ratio at 0.74% as of March 2026.
Management Comments
Mr. Sanjay Agarwal
It takes at least a decade to build the foundation of a strong bank and entering our tenth year is a deeply meaningful milestone for all of us at AU. Building a Forever Bank demands consistency in strategy, in execution and in values. FY2026 reflects exactly that. We have strengthened our franchise, embedded technology into our core, and invested in every dimension that matters like governance, leadership, distribution and scale. This month, we launched our first Agentic AI platform, and our first AI-native Loan Origination System on that platform, signalling our intent to fundamentally reimagine banking. I am genuinely excited about what lies ahead and look forward to sharing more in the quarters to come. The strength of our foundation and the quality of our franchise give me confidence that as we approach our Universal Banking milestone, we do so with clarity of purpose and conviction in our trajectory. We are deeply grateful to the Government of India, RBI and our other regulators, our customers, our shareholders, our team and every stakeholder who makes this journey possible.
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