AU Small Finance Bank Ltd
In continuation to our disclosure for Unaudited Financial Results of the Bank for the quarter ended on June 30, 2026, we submit herewith the Press Release on the same.
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 25 Jul 2026, 01:36 PM IST · BSE ID: 4c04b8aa-9f6f-4a9f-aa04-5bf3bc10a7ce
View Original BSE Filing (PDF)
💡
In Simple Terms
AU Small Finance Bank's first-quarter profit rose 37%, with significant growth in both customer deposits and loans.
🤖 AI Summary
- AU Small Finance Bank's Net Profit for Q1 FY27 increased 37% YoY to ₹796 cr.
- Net Interest Income (NII) grew 32% YoY to ₹2,695 cr, with Net Interest Margin at 5.9%.
- Total deposits expanded 24% YoY to ₹1,57,727 cr; gross loan portfolio grew 23% YoY to ₹1,44,250 cr.
- Gross NPA ratio improved to 2.10% and Net NPA ratio to 0.76% as of June 30, 2026.
- Mr. Yogesh Jain was elevated to Deputy CEO, effective July 25, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax (PAT)
₹796 cr
37%
Net Interest Income (NII)
₹2,695 cr
32%
Total deposits
₹1,57,727 cr
24%
Gross loan portfolio
₹1,44,250 cr
23%
🏢 How This Affects the Company
The bank reported strong growth in its core lending and deposit businesses, with total deposits increasing 24% YoY and the gross loan portfolio growing 23% YoY. Expansion of secured businesses by 25% YoY indicates continued focus on risk-managed growth.
Net Profit increased by 37% YoY to ₹796 cr, driven by a 32% YoY growth in Net Interest Income to ₹2,695 cr and a 30% YoY decline in provisions to ₹371 cr. Annualized RoA and RoE stood at 1.7% and 15.6% respectively.
The bank added approximately 130 net touchpoints, including 16 new liability branches in Q1 FY27, expanding its physical distribution network. Investments in AI and technology continue, with rollouts of agentic AI-enabled platforms for gold loan origination and other lending segments.
Asset quality improved, with Gross NPA ratio declining to 2.10% from 2.47% YoY and Net NPA ratio decreasing to 0.76% from 0.88% YoY. Slippages also decreased by 22% YoY to ₹798 cr, reducing credit risk.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, which showed a 37% YoY increase in Profit After Tax to ₹796 cr.
🔍
Management Signal
The elevation of Mr. Yogesh Jain to Deputy CEO signals management's intent to strengthen the leadership structure to support growing operations.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained growth in NII and PAT.
Updates on AI/Tech initiatives — assess impact on operational efficiency and customer experience.
Asset quality trends — monitor Gross and Net NPA ratios in subsequent quarters.
LOW RISK
Q1 FY27 results show strong financial performance with improving asset quality and robust deposit/loan growth.
💡 Investor Takeaway
AU Small Finance Bank's Q1 FY27 Net Profit rose 37% YoY to ₹796 cr, with Net Interest Income up 32% YoY to ₹2,695 cr. Total deposits grew 24% YoY to ₹1,57,727 cr, and Gross NPA ratio improved to 2.10%, indicating strong operational and asset quality performance.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (PAT) grew 37% YoY to ₹796 cr, reflecting improved profitability and operational efficiency.
- Gross NPA ratio declined to 2.10% and Net NPA ratio to 0.76% as of June 30, 2026, indicating improved asset quality.
📅 Company Track Record
AU Small Finance Bank previously reported Q1 FY27 Net Profit of Rs. 79,595.29 lakh (equivalent to ₹795.95 cr) with Gross NPAs at 2.10%. This current filing confirms and details the results, indicating a consistent trend in performance metrics for the quarter.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was AU Small Finance Bank's Net Profit in Q1 FY27?
AU Small Finance Bank reported a Net Profit of ₹796 cr for the quarter ended June 30, 2026, which is a 37% increase year-on-year.
How did AU Small Finance Bank's Net Interest Income perform in Q1 FY27?
Net Interest Income (NII) for AU Small Finance Bank grew by 32% year-on-year to ₹2,695 cr in Q1 FY27.
What was AU Small Finance Bank's Gross NPA ratio in Q1 FY27?
As of June 30, 2026, AU Small Finance Bank's Gross NPA ratio improved to 2.10%, while the Net NPA ratio stood at 0.76%.
What was the total deposit growth for AU Small Finance Bank in Q1 FY27?
Total deposits for AU Small Finance Bank grew by 24% year-on-year and 3% quarter-on-quarter to reach ₹1,57,727 cr in Q1 FY27.
What was the growth in AU Small Finance Bank's gross loan portfolio in Q1 FY27?
AU Small Finance Bank's gross loan portfolio grew by 23% year-on-year and 3% quarter-on-quarter to ₹1,44,250 cr in Q1 FY27.
Questions based on this BSE filing only. For information purposes.