AUBANK

AU Small Finance Bank – High-Growth Retail Bank with Strong Profitability

AU Small Finance Bank is one of India's leading retail-focused banks with a strong presence in vehicle finance, MSME lending, housing loans, and deposits. The bank continues to deliver industry-leading growth while maintaining healthy profitability and improving operational efficiency. A major positive is the RBI's in-principle approval for AU Bank's transition to a universal bank, which can significantly expand its growth opportunities, customer base, and product offerings. Key Financial Highlights • FY26 PAT grew 25% YoY to ₹2,641 crore. • Deposit base increased 23% YoY to about ₹1.52 lakh crore. • Gross loan portfolio grew 21% YoY, reflecting strong credit demand. • Q4 FY26 PAT surged 65% YoY to ₹832 crore. • Net Interest Margin (NIM) remained strong at 5.96%. • GNPA improved to 2.03%, indicating strengthening asset quality.