AU Small Finance Bank: CRISIL Affirms AA+/AA/A1+ Ratings on Debt Instruments
CRISIL Ratings has reaffirmed CRISIL AA/Stable on AU Small Finance Bank's Tier-II Bonds, CRISIL A1+ on Certificates of Deposits, and CRISIL AA+/Stable on Fixed Deposits. As of December 31, 2025, networth was ₹19,085 crore and CAR was 19%. Advances reached ₹129,898 crore, with retail assets at 78%. PAT for 9M FY26 was ₹1,809 crore.
Credit ratings are important for a bank's borrowing costs and investor confidence, influencing its ability to raise funds.
The reaffirmation of strong credit ratings by CRISIL indicates stability and positive outlook for the bank's debt instruments.
AU Small Finance Bank Limited has announced that CRISIL Ratings has reaffirmed its ratings on the bank's debt instruments. The rating for Long-Term Debt Instruments (Tier-II Bonds) has been reaffirmed at CRISIL AA/Stable, with specific ISINs INE949L08426, INE949L08434, and INE949L08442. The rating for Short-Term Instruments (Certificate of Deposits) has been reaffirmed at CRISIL A1+ (A One Plus). Additionally, the rating on Fixed Deposits has been reaffirmed at CRISIL AA+/Stable.
CRISIL Ratings has also withdrawn its rating on Tier II bonds aggregating Rs 650 crore as these have been redeemed or utilized. The overall ratings reflect AU SFB's demonstrated ability to meet expectations regarding asset quality and earnings profile, and sustenance in capitalisation and deposit mobilization. However, these strengths are partially offset by a lower share of current and savings account (CASA) deposits compared to peers. As of December 31, 2025, the bank's networth stood at ₹19,085 crore, with overall and tier 1 capital adequacy ratios at 19% and 17.1%, respectively. Advances stood at ₹129,898 crore as of December 31, 2025, with retail assets comprising over 78% of the loan portfolio. The bank reported a profit after tax of ₹1,809 crore for the nine months ended fiscal 2026, with a Return on Assets (RoA) of 1.5%. The deposit base was ₹138,415 crore on December 31, 2025, with CASA and retail deposits forming 28.9% and 60.4% respectively.
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AU Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under credit ratings. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by AU Small Finance Bank Limited. Read the original for the full detail.