INTEGRATED FILING — BANKING



General information about company

Scrip code 540611
NSE Symbol AUBANK
MSEI Symbol NOTLISTED
ISIN INE949L01017
Name of bank AU Small Finance Bank Limited
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 07-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   14:00:00
End date and time of board meeting 19-Jul-2025   15:30:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not applicable as the Bank has not made any default on loans and debt securities during the reporting period.


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 36649185000 36649185000
Income on investments 6449609000 6449609000
Interest on balances with reserve bank of India and other inter bank funds 170367000 170367000
Others 515269000 515269000
Total interest earned 43784430000 43784430000
2 Other income 8106061000 8106061000
3 Total income 51890491000 51890491000
Expenses
4 Interest expenses 23337719000 23337719000
5 Operating expenses
(i) Employees cost 8655264000 8655264000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 6775398000 6775398000
Total other operating Expenses 6775398000 6775398000
Total Operating Expenses 15430662000 15430662000
6 Total expenditure excluding provisions and contingencies 38768381000 38768381000
7 Operating profit before provision and contingencies 13122110000 13122110000
8 Provisions other than tax and contingencies 5333066000 5333066000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 7789044000 7789044000
11 Provision for Tax 1980462000 1980462000
12 Net profit (loss) from ordinary activities after tax 5808582000 5808582000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 5808582000 5808582000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 5808582000 5808582000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7451930000 7451930000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 17.54 17.54
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 7.8 7.8
Diluted earnings per share before extraordinary items 7.78 7.78
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 7.8 7.8
Diluted earnings per share after extraordinary items 7.78 7.78
(iv) NPA Ratios
Amount of gross non-performing assets 27513185000 27513185000
Amount of net non-performing assets 9713437000 9713437000
% of gross NPAs 2.47 2.47
% of net NPAs 0.88 0.88
Return on assets 0.37 0.37
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Please refer outcome of Board Meeting for detailed notes.


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 9802405000 9802405000
2 Retail banking- Digital Banking* 3000 3000
3 Retail banking- Other Retail Banking 36518918000 36518918000
4 Wholesale banking 4795049000 4795049000
5 Other banking operations 774116000 774116000
6 Capital and Other Reserves 0 0
Total Segment Revenue 51890491000 51890491000
Less: Inter segment revenue
Income from operations 51890491000 51890491000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 2887668000 2887668000
2 Retail banking- Digital Banking* -406000 -406000
3 Retail banking- Other Retail Banking 2702470000 2702470000
4 Wholesale banking 1507513000 1507513000
5 Other banking operations 691799000 691799000
6 Capital and Other Reserves 0 0
Total Profit before tax 7789044000 7789044000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 7789044000 7789044000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 417625364000 417625364000
2 Retail banking- Digital Banking* 1388000 1388000
3 Retail banking- Other Retail Banking 969871429000 969871429000
4 Wholesale banking 169669307000 169669307000
5 Other banking operations 470490000 470490000
6 Capital and Other Reserves 0 0
7 Treasury 417625364000 417625364000
8 Retail banking- Digital Banking* 1388000 1388000
9 Retail banking- Other Retail Banking 969871429000 969871429000
10 Wholesale banking 169669307000 169669307000
11 Other banking operations 470490000 470490000
12 Capital and Other Reserves 0 0
Total Segment Assets 1557637978000 1557637978000
Un-allocable Assets 50497009000 50497009000
Net Segment Assets 1608134987000 1608134987000
4 Segment Liabilities
Segment Liabilities
1 Treasury 84242969000 84242969000
2 Retail banking- Digital Banking* 1768000 1768000
3 Retail banking- Other Retail Banking 697177748000 697177748000
4 Wholesale banking 645449508000 645449508000
5 Other banking operations 70120000 70120000
6 Capital and Other Reserves 178004367000 178004367000
7 Treasury 84242969000 84242969000
8 Retail banking- Digital Banking* 1768000 1768000
9 Retail banking- Other Retail Banking 697177748000 697177748000
10 Wholesale banking 645449508000 645449508000
11 Other banking operations 70120000 70120000
12 Capital and Other Reserves 178004367000 178004367000
Total Segment Liabilities 1604946480000 1604946480000
Un-allocable Liabilities 3188507000 3188507000
Net Segment Liabilities 1608134987000 1608134987000
Disclosure of notes on segments Please refer outcome of Board Meeting for detailed notes






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M S K A & Associates Yes 31-Jul-2027
2 Mukund M Chitale & Co. Yes 30-Apr-2027