AU Small Finance Bank Q1FY27 Profit Up 37% YoY to ₹796 Cr, NII Grows 32%
AU Small Finance Bank's Q1FY27 profit surged 37% YoY to ₹796 crore. NII grew 32% YoY to ₹2,695 crore. Deposits reached ₹1.58 lac crore, up 24% YoY, and loans grew 23% YoY to ₹1.44 lac crore. Mr. Yogesh Jain was appointed Deputy CEO, effective July 25, 2026.
The financial results show robust growth and improved profitability, which are material to investors. The appointment of a Deputy CEO also strengthens the leadership.
The bank reported strong year-on-year growth in profit, net interest income, deposits, and loans, along with improved margins and asset quality metrics.
AU Small Finance Bank Limited announced its unaudited financial results for the quarter ended June 30, 2026. The bank reported a Profit After Tax (PAT) of ₹796 crore, marking a 37% year-on-year increase. Net Interest Income (NII) grew by 32% year-on-year to ₹2,695 crore, with Net Interest Margin (NIM) standing at 5.9%, an expansion of 47 basis points year-on-year.
Total deposits grew by 24% year-on-year to ₹1,57,727 crore, while the gross loan portfolio increased by 23% year-on-year to ₹1,44,250 crore. Disbursements saw a significant growth of approximately 42% year-on-year. Annualized Return on Assets (RoA) and Return on Equity (RoE) were reported at 1.7% and 15.6%, respectively. The bank also highlighted a decline in provisions by 30% year-on-year to ₹371 crore, including an additional one-time provision of ₹23 crore for strengthening its provisioning policy.
During the quarter, the bank approved the elevation of Mr. Yogesh Jain as Deputy CEO, effective July 25, 2026. Significant investments in technology and AI were also detailed, including the rollout of an agentic AI-enabled gold loan origination platform and initiatives across vehicle finance and personal loans. The bank also launched a new credit card portfolio and introduced zero-margin inward and outward remittances.
What to do with a filing like this
AU Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
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.