AUBANK

AU Small Finance Bank is a retail-focused private-sector bank that has grown from an NBFC into a Small Finance Bank. The important upcoming structural trigger is its transition towards becoming a Universal Bank, which can significantly expand its addressable market and product portfolio. The bank received RBI approval for this transition in March 2026. Its core businesses include retail banking, business banking, vehicle finance, gold loans, housing finance, agriculture and other retail/SME-focused lending. 2. Fundamental Analysis Q1 FY27 – Strong numbers Parameter Q1 FY27 PAT ₹796 Cr PAT Growth 37% YoY NII ₹2,695 Cr NII Growth 32% YoY NIM 5.9% Deposits ₹1,57,727 Cr Deposit Growth 24% YoY Gross Loan Portfolio ₹1,44,250 Cr Loan Growth 23% YoY GNPA 2.10% NNPA 0.76% ROA 1.7% ROE 15.6% Capital Adequacy 18.9% The bank's official investor data confirms the strong Q1 performance, including 37% PAT growth, 23% loan growth, 24% deposit growth and NIM of 5.9%.