AUBANK · Financial Services
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹2,736 cr | ₹2,830 cr | ₹3,769 cr | ₹3,911 cr | ₹4,113 cr | ₹4,271 cr | ₹4,378 cr | ₹4,511 cr | ₹4,727 cr | ₹5,019 cr | ₹5,303 cr | ₹5,612 cr |
| YoY | — | — | +53% | +55% | +50% | +51% | +16% | +15% | +15% | +18% | +21% | +24% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 25% | 18% | 25% | 25% | 25% | 23% | 25% | 23% | 24% | 23% | 25% | 26% |
| Net profit | ₹375 cr | ₹371 cr | ₹503 cr | ₹571 cr | ₹528 cr | ₹504 cr | ₹581 cr | ₹561 cr | ₹668 cr | ₹832 cr | ₹796 cr | ₹858 cr |
| YoY | — | — | +30% | +42% | +41% | +36% | +16% | −2% | +27% | +65% | +37% | +53% |
| EPS | ₹5.61 | ₹5.54 | ₹6.76 | ₹7.68 | ₹7.10 | ₹6.77 | ₹7.79 | ₹7.52 | ₹8.94 | ₹11.12 | ₹10.63 | ₹11.42 |
| Flags | · | · | · | · | · | · | · | · | · | 1 | · | 1 |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
AU Small Finance Bank Ltd. reported total income of ₹5,303 cr (+21.1% on the year) and net profit of ₹796 cr (+37.0% on the year) for April to June 2026.
None of the 3 checks that could run raised a question.
No. FinMinutes reports what was filed and the questions the numbers raise. It does not recommend buying, selling or holding any security.
Numbers as filed with the exchanges, read by rules. Every flag is a question with its source, not an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security. How each check works.