AU Small Finance Bank Stock Price - ₹1,072.00 | Banks

‌
‌
‌

Company insights, generated from the most recent coverage.

AU Small Finance Bank leads market with 7.10% rates on 3-year USD deposits, targeting yield-sensitive NRIs but faces significant ALM pressure as scheme ends.
Read more

‌
‌
‌

The Quarter story

The two most recent quarterly results, compared side-by-side.

AU Small Finance Bank delivers strong profit growth and margin expansion, though rising credit costs and wholesale funding reliance warrant attention.

Net profit grew from ₹581 Cr to ₹796 Cr from Q1 FY26 to Q1 2026-27, driven by higher interest earnings and controlled costs.

Credit cost spiked from 0.34% to 0.8% from Q1 FY26 to Q1 2026-27, indicating a sharp increase in loan loss provisioning.

Gross NPA ratio improved from 2.47% to 2.10% from Q1 FY26 to Q1 2026-27, reflecting better credit quality management.

Borrowings rose from ₹10,649 Cr to ₹13,419 Cr from Q1 FY26 to Q1 2026-27, showing higher reliance on wholesale funding.

Net interest margin expanded from 5.4% to 5.9% from Q1 FY26 to Q1 2026-27, supported by a drop in cost of funds to 6.48%.

Commercial banking yield declined from 10.9% to 10.3% from Q1 FY26 to Q1 2026-27, signaling margin compression in corporate lending.

Inclusive banking loan portfolio grew from ₹6,232 Cr to ₹7,488 Cr from Q1 FY26 to Q1 2026-27, maintaining a stable 25.2% yield.

Stressed loan exposure grew from ₹3,032 Cr to ₹3,165 Cr from Q1 FY26 to Q1 2026-27, highlighting persistent credit risk.

Provision coverage ratio rose from 83% to 85% from Q1 FY26 to Q1 2026-27, ensuring stronger buffers against loan defaults.

Operating expenses rose from ₹1,543 Cr to ₹1,949 Cr from Q1 FY26 to Q1 2026-27, reflecting rising costs from network and staff expansion.

‌
‌
‌

In the news

Indus Towers AGM approves FY26 financials, dividend amid institutional dissent

Industrial Stocks Rally to 52-Week Highs on AI Infrastructure Demand

Q1 FY26-27 Earnings: Banking Divergence, Energy Bets, and Maruti's SUV Gamble

AU SFB shares surge 5% on 37% Q1 profit jump, Nomura raises target to ₹980

AU Small Finance Bank launches co-branded credit card with Zaggle

AU Small Finance Bank Q1 deposits up 24%, loan book grows 23%

AU Small Finance Bank Hits Fresh 52-Week High at ₹1,080

Trading Ideas: Pidilite, HDFC Bank, Oberoi Realty on June 25

AU Small Finance Bank rises for third straight session

AU Small Finance Bank hikes FD rates up to 7.9% for seniors

ED arrests ex-Haryana official in ₹645 cr IDFC Bank fraud case

AU Small Finance Bank rises 1.24% for third straight session

AU Small Finance Bank partners with Intellect for AI banking

CBI Probes 5 IAS Officers in ₹590 Cr Haryana Bank Scam Case

Kotak's Strategic Bet on AU Small Finance Bank: A ₹7,600 Crore Calculated Move

AU Small Finance Bank files final universal banking licence

AU Small Finance Bank Q4 FY26 results: PAT up 65% YoY, files universal banking licence

AU Small Finance Bank Q4 profit jumps 65% on lower provisions

AU Small Finance Bank tops Motilal Oswal's mid-sized picks

AU Small Finance Bank Q4 profit jumps 65% but stock drops on growth concerns

AU Small Finance Bank

Insights

About the company

Insights