AU Small Finance Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	14.2%	14.2%	14.2%	12.2%	—
	1.5%	1.5%	1.6%	1.4%	—
	5.2%	5.2%	6.0%	4.7%	—
	57.9%	57.9%	56.5%	63.6%	63.0%
	1.3%	1.3%	2.0%	0.6%	—
	4.0%	4.0%	4.5%	4.0%	—
	13.8%	13.8%	13.6%	14.2%	11.2%
	88.0%	88.0%	86.2%	83.9%	—
Additional
	24.6%	24.0%	24.5%	23.2%	23.4%
	—	2.8%	3.5%	4.3%	2.2%

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

AUBANK₹880.70

AU Small Finance Bank Ltd.

· Banking & Finance

₹ CrorePeersEQUITASBNK UJJIVANSFB IDFCFIRSTB BSE INDUSINDBK YESBANK FEDERALBNK ICICIGIMcap ₹65,900 Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	12.22	14.17	14.22	14.22
Return on Assets	—	1.40	1.58	1.51	1.51
Margins & Efficiency
Net Interest Margin (on assets)	—	4.71	6.00	5.21	5.21
Cost to Income	63.01	63.57	56.53	57.91	57.91
Credit Cost (provisions / avg advances)	—	0.60	1.99	1.34	1.34
Operating Expenses / Avg Assets	—	4.01	4.46	4.01	4.01
Other Income Share of Total Income	11.20	14.19	13.59	13.78	13.78
Credit-Deposit Ratio	—	83.92	86.18	87.96	87.96
Additional
Effective Tax Rate	23.42	23.24	24.47	23.97	24.65
Dvd Payout Ratio	2.21	4.35	3.53	2.82	—

No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.