AU Small Finance

  • Market Cap: Mid Cap
  • Industry: Other Bank
  • ISIN: INE949L01017
  • NSEID: AUBANK
  • BSEID: 540611
INR
983.80
20.85 (2.17%)
BSENSE

Feb 03

BSE+NSE Vol: 21.17 lacs

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
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  • Financials
  • CompanyCV
stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
4,727.47
4,511.28
4,378.44
4,270.60
4,113.48
3,910.61
3,769.04
Income On Investments
650.04
644.39
644.96
618.36
568.52
508.20
543.10
Interest On Balances With Rbi Other Inter Bank Funds
23.40
29.53
17.04
21.98
18.56
14.81
13.79
Interest / Discount On Advances / Bills
4,016.36
3,786.23
3,664.92
3,555.53
3,441.21
3,279.63
3,091.98
Others
37.66
51.12
51.53
74.73
85.19
107.97
120.17
Other Income
723.80
712.58
810.61
760.67
618.41
637.96
509.27
Total Income
5,451.26
5,223.87
5,189.05
5,031.27
4,731.89
4,548.58
4,278.31
Interest Expended
2,386.20
2,366.87
2,333.77
2,176.68
2,090.77
1,936.25
1,848.46
Net Interest Income
2,341.27
2,144.41
2,044.67
2,093.92
2,022.71
1,974.36
1,920.58
Total Expenditure (Excl Depreciation)
1,849.75
1,647.28
1,543.07
1,562.33
1,436.21
1,480.56
1,478.11
Employee Cost
1,019.01
918.71
865.53
817.47
754.66
785.49
790.14
Other Operating Expenses
830.74
728.57
677.54
744.86
681.55
695.07
687.97
Operating Profit Before Provisions and Contingencies
1,215.31
1,209.72
1,312.21
1,292.26
1,204.91
1,131.77
951.74
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
331.14
480.83
533.31
635.11
501.68
372.99
282.85
Profit Before Tax
884.17
728.89
778.90
657.15
703.23
758.78
668.89
Tax
216.51
168.02
198.05
153.45
174.78
187.57
166.32
Profit After Tax
667.66
560.87
580.86
503.70
528.45
571.21
502.57
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
667.66
560.87
580.86
503.70
528.45
571.21
502.57
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
8.94
7.52
7.79
6.77
7.1
7.68
6.76
Diluted Earnings per share
8.87
7.48
7.78
6.75
7.08
7.65
6.74
Operating Profit Margin (Excl OI)
53.87%
52.83%
52.58%
48.54%
52.89%
52.6%
53.28%
Gross Profit Margin
18.7%
16.16%
17.79%
15.39%
17.1%
19.4%
17.75%
PAT Margin
14.12%
12.43%
13.27%
11.79%
12.85%
14.61%
13.33%
Net Interest Margin
5.7%
5.5%
5.4%
5.8%
5.9%
6.1%
6.0%
Return on Assets
0.39%
0.35%
0.37%
0.34%
0.37%
0.43%
0.39%
CASA (%)
29.0%
29.4%
29.2%
29.2%
31.0%
32.0%
33.0%
CASA Amount
39,947.00
39,000.00
37,241.00
36,253.00
34,402.00
35,521.00
32,035.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
83.0%
84.0%
83.0%
84.0%
80.0%
82.0%
84.0%
Amount of Gross NPAs
2,880.54
2,835.34
2,751.32
2,477.03
2,335.51
1,901.69
1,613.18
Amount of Net NPAs
1,091.46
1,015.66
971.34
791.34
905.60
706.70
562.56
% of Net NPAs
0.88%
0.88%
0.88%
0.74%
0.91%
0.75%
0.63%
% of Gross NPAs
2.3%
2.41%
2.47%
2.28%
2.31%
1.98%
1.78%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
742.0
707.0
678.0
677.0
674.0
688.0
695.0
Number of Branches
2726.0
2626.0
2505.0
2456.0
2400.0
2408.0
2414.0
Quarterly Analysis Highlights - YoY
stock-summary

Interest Earned

YoY Growth in quarter ended Dec 2025 is 14.93% vs 50.36% in Dec 2024

stock-summary

Net Profit

YoY Growth in quarter ended Dec 2025 is 26.34% vs 40.83% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2025 is 0.86% vs 85.48% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in quarter ended Dec 2025 is -0.03% vs 0.23% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in quarter ended Dec 2025 is -0.01% vs 0.33% in Dec 2024

Compare Quarterly Results Of AU Small Finance With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
4,727.47
1,751.92
2,975.55
169.85%
Income On Investments
650.04
199.43
450.61
225.95%
Interest On Balances With Rbi Other Inter Bank Funds
23.40
3.09
20.31
657.28%
Interest / Discount On Advances / Bills
4,016.36
1,547.59
2,468.77
159.52%
Others
37.66
1.81
35.85
1980.66%
Other Income
723.80
295.48
428.32
144.96%
Total Income
5,451.26
2,047.40
3,403.86
166.25%
Interest Expended
2,386.20
751.45
1,634.75
217.55%
Net Interest Income
2,341.27
1,000.47
1,340.80
134.02%
Total Expenditure (Excl Depreciation)
1,849.75
856.15
993.60
116.05%
Employee Cost
1,019.01
473.81
545.20
115.07%
Other Operating Expenses
830.74
382.34
448.40
117.28%
Operating Profit Before Provisions and Contingencies
1,215.31
439.80
775.51
176.33%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
331.14
195.34
135.80
69.52%
Profit Before Tax
884.17
244.46
639.71
261.68%
Tax
216.51
58.74
157.77
268.59%
Profit After Tax
667.66
185.72
481.94
259.5%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
667.66
185.72
481.94
259.5%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
8.94
0.96
7.98
831.25%
Diluted Earnings per share
8.87
0.94
7.93
843.62%
Operating Profit Margin (Excl OI)
53.87%
39.98%
0.00
13.89%
Gross Profit Margin
18.70%
13.95%
0.00
4.75%
PAT Margin
14.12%
10.60%
0.00
3.52%
Net Interest Margin
5.70%
8.20%
-2.50
-2.50%
Return on Assets
0.39%
1.50%
-1.11
-1.11%
CASA (%)
29.00%
0.00%
29.00
29.00%
CASA Amount
39,947.00
11,535.00
28,412.00
246.31%
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
83.00%
76.00%
7.00
7.00%
Amount of Gross NPAs
2,880.54
879.39
2,001.15
227.56%
Amount of Net NPAs
1,091.46
208.08
883.38
424.54%
% of Net NPAs
0.88%
0.57%
0.31
0.31%
% of Gross NPAs
2.30%
2.39%
-0.09
-0.09%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
742.00
613.00
129.00
21.04%
Number of Branches
2,726.00
777.00
1,949.00
250.84%
Quarterly - Interest Earned
Interest Earned 4727.47 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 4.79% vs 3.03% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 14.93% vs 50.36% in Dec 2024

Quarterly - Net Profit
Net Profit 667.66 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 19.04% vs -3.44% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 26.34% vs 40.83% in Dec 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,215.31 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 0.46% vs -7.81% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 0.86% vs 85.48% in Dec 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.88%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -0.03% vs 0.23% in Dec 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.30%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.06% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -0.01% vs 0.33% in Dec 2024

Stock List
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Name: MOJO Markets Private Limited (Research Entity) (SEBI Registration No. INH000021942) (CIN:U74900MH2015PTC264951)

Registered & Correspondence Address: Benefice Business House, Office No. 3B, 3rd Floor, C.S. 242, Mathuradas Mills Estate, N.M. Joshi Marg, Tulsi Pipe Road, Lower Parel West, Mumbai- 400013

For queries or grievances, please contact us on support@mojoinfinity.com, Phone : 022-35121239

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