AU Small Finance Bank Ltd.
AUBANKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
14 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 14 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20221028 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230125 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230502 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230727 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231103 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240201 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240502 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240801 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241029 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250131 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250429 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250725 | 2025-06-30 | yes | |
| TRANSCRIPT | 20260429 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260728 | 2026-06-30 | yes |
AUBANK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | standalone |
| Panels on this page | 5 |
Market
The closes are adjusted for every split and bonus on record inside the period this series covers, and each adjustment is checked against the price move on its ex-date.
| Last close | 1,000.10 |
| 52-week range | 724.55 – 1128.6 |
| Return 1M | -11.39% |
| Return 3M | -3.26% |
| Return 1Y | 35.86% |
| Return 3Y | 34.72% |
| Return 5Y | 86.63% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 5,303.00 |
| Interest on advances and bills | 4,510.00 |
| Income on investments | 751.00 |
| Interest on balances with the RBI and interbank funds | 24.00 |
| Other interest | 18.00 |
| Interest expended | 2,607.00 |
| Other income | 689.00 |
| Total income | 5,992.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.23 | -0.00 |
| institutions foreign | 0.36 | -0.01 |
| institutions domestic | 0.33 | 0.02 |
| mutual funds | 0.24 | 0.01 |
| public | 0.77 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 14 |
Financial statements
Filed results, standalone, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Net cash from operating activities | -279.00 | 2,608.00 | 4,956.00 | 5,462.00 | 657.00 | 1,829.00 |
| Net cash from investing activities | -1,918.00 | -4,855.00 | -3,470.00 | -5,931.00 | -1,466.00 | -5,090.00 |
| Net cash from financing activities | -971.00 | -802.00 | -508.00 | 2,407.00 | -1,352.00 | 2,318.00 |
| Purchase of property, plant and equipment | 123.00 | 346.00 | 134.00 | 264.00 | 543.00 | 809.00 |
| Net increase in cash | -3,168.00 | -3,049.00 | 978.00 | 1,938.00 | -2,162.00 | -943.00 |
| con:CFO.BEFORE_TAX | 1,351.00 | 2,790.00 | 2,349.00 | 5,227.00 | 2,906.00 | 5,982.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 256.00 | 488.00 | 406.00 | 668.00 | 439.00 | 974.00 |
| con:CF_OTHER.OPERATING | -1,374.00 | 306.00 | 3,013.00 | 903.00 | -1,811.00 | -3,180.00 |
| con:INVESTMENTS_PURCHASED | 1,796.00 | 4,516.00 | 3,340.00 | 5,674.00 | 926.00 | 4,288.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 2.00 | 8.00 | 3.00 | 7.00 | 3.00 | 7.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,820.00 | 2,531.00 | 2,736.00 | 2,829.00 | 3,769.00 | 3,911.00 | 4,113.00 | 4,271.00 | 4,378.00 | 4,511.00 | 4,727.00 | 5,019.00 | 5,303.00 |
| Interest on advances and bills | 1,498.00 | 2,069.00 | 2,123.00 | 2,243.00 | 3,092.00 | 3,280.00 | 3,441.00 | 3,556.00 | 3,665.00 | 3,786.00 | 4,016.00 | 4,244.00 | 4,510.00 |
| Income on investments | 255.00 | 372.00 | 414.00 | 470.00 | 543.00 | 508.00 | 569.00 | 618.00 | 645.00 | 644.00 | 650.00 | 708.00 | 751.00 |
| Interest on balances with the RBI and interbank funds | 27.00 | 15.00 | 16.00 | 16.00 | 14.00 | 15.00 | 19.00 | 22.00 | 17.00 | 30.00 | 23.00 | 23.00 | 24.00 |
| Other interest | 40.00 | 75.00 | 182.00 | 101.00 | 120.00 | 108.00 | 85.00 | 75.00 | 52.00 | 51.00 | 38.00 | 45.00 | 18.00 |
| Interest expended | 844.00 | 1,282.00 | 1,411.00 | 1,492.00 | 1,848.00 | 1,936.00 | 2,091.00 | 2,177.00 | 2,334.00 | 2,367.00 | 2,386.00 | 2,437.00 | 2,607.00 |
| Other income | 159.00 | 425.00 | 450.00 | 556.00 | 546.00 | 638.00 | 618.00 | 761.00 | 811.00 | 713.00 | 724.00 | 731.00 | 689.00 |
| Total income | 1,979.00 | 2,957.00 | 3,186.00 | 3,385.00 | 4,315.00 | 4,549.00 | 4,732.00 | 5,031.00 | 5,189.00 | 5,224.00 | 5,451.00 | 5,750.00 | 5,992.00 |
| Employee benefit expense | 394.00 | 512.00 | 529.00 | 556.00 | 790.00 | 785.00 | 755.00 | 817.00 | 866.00 | 919.00 | 1,019.00 | 1,045.00 | 1,064.00 |
| Operating expenses | 741.00 | 1,027.00 | 1,117.00 | 1,228.00 | 1,478.00 | 1,481.00 | 1,436.00 | 1,562.00 | 1,543.00 | 1,647.00 | 1,850.00 | 1,962.00 | 1,949.00 |
| Expenditure excluding provisions and contingencies | 1,585.00 | 2,309.00 | 2,528.00 | 2,721.00 | 3,327.00 | 3,417.00 | 3,527.00 | 3,739.00 | 3,877.00 | 4,014.00 | 4,236.00 | 4,399.00 | 4,556.00 |
| Operating profit before provisions | 394.00 | 648.00 | 657.00 | 664.00 | 988.00 | 1,132.00 | 1,205.00 | 1,292.00 | 1,312.00 | 1,210.00 | 1,215.00 | 1,352.00 | 1,435.00 |
| Provisions and contingencies | 38.00 | 114.00 | 159.00 | 133.00 | 319.00 | 373.00 | 502.00 | 635.00 | 533.00 | 481.00 | 331.00 | 269.00 | 371.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | -77.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 356.00 | 533.00 | 498.00 | 455.00 | 669.00 | 759.00 | 703.00 | 657.00 | 779.00 | 729.00 | 884.00 | 1,082.00 | 1,064.00 |
| Tax expense | 88.00 | 132.00 | 123.00 | 84.00 | 166.00 | 188.00 | 175.00 | 153.00 | 198.00 | 168.00 | 217.00 | 250.00 | 268.00 |
| Profit for the period | 268.00 | 402.00 | 375.00 | 371.00 | 503.00 | 571.00 | 528.00 | 504.00 | 581.00 | 561.00 | 668.00 | 832.00 | 796.00 |
| Profit attributable to owners | 268.00 | 402.00 | 375.00 | 371.00 | 503.00 | 571.00 | 528.00 | 504.00 | 581.00 | 561.00 | 668.00 | 832.00 | 796.00 |
| Earnings per share, basic | 4.25 | 6.02 | 5.61 | 5.54 | 6.77 | 7.68 | 7.10 | 6.77 | 7.80 | 7.52 | 8.94 | 11.13 | 10.63 |
| Earnings per share, diluted | 4.22 | 5.98 | 5.58 | 5.52 | 6.74 | 7.65 | 7.08 | 6.75 | 7.78 | 7.48 | 8.87 | 11.01 | 10.51 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 10,555.00 | 16,064.00 | 18,636.00 |
| Interest on advances and bills | 8,442.00 | 13,368.00 | 15,711.00 |
| Income on investments | 1,632.00 | 2,238.00 | 2,647.00 |
| Interest on balances with the RBI and interbank funds | 67.00 | 69.00 | 93.00 |
| Other interest | 413.00 | 388.00 | 185.00 |
| Interest expended | 5,398.00 | 8,052.00 | 9,524.00 |
| Other income | 1,746.00 | 2,526.00 | 2,978.00 |
| Total income | 12,301.00 | 18,590.00 | 21,614.00 |
| Employee benefit expense | 2,104.00 | 3,148.00 | 3,848.00 |
| Operating expenses | 4,388.00 | 5,957.00 | 7,002.00 |
| Expenditure excluding provisions and contingencies | 9,786.00 | 14,009.00 | 16,526.00 |
| Operating profit before provisions | 2,515.00 | 4,581.00 | 5,089.00 |
| Provisions and contingencies | 439.00 | 1,793.00 | 1,615.00 |
| Profit before exceptional items and tax | — | 2,788.00 | 3,474.00 |
| Exceptional items | -77.00 | 0.00 | 0.00 |
| Profit before tax | 1,999.00 | 2,788.00 | 3,474.00 |
| Tax expense | 465.00 | 682.00 | 833.00 |
| Profit for the period | 1,535.00 | 2,106.00 | 2,641.00 |
| Profit attributable to owners | 1,535.00 | 2,106.00 | 2,641.00 |
| Earnings per share, basic | 22.98 | 28.32 | 35.40 |
| Earnings per share, diluted | 22.86 | 28.24 | 35.01 |
Balance sheet, as filed
| Line | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Capital | 668.00 | 669.00 | 744.00 | 745.00 | 746.00 | 748.00 |
| Reserves and surplus | 11,094.00 | 11,890.00 | 15,298.00 | 16,422.00 | 17,570.00 | 19,225.00 |
| Deposits | 75,743.00 | 87,182.00 | 109,693.00 | 124,269.00 | 132,509.00 | 152,661.00 |
| Borrowings | 5,344.00 | 5,479.00 | 8,777.00 | 11,660.00 | 10,319.00 | 13,872.00 |
| Other liabilities and provisions | 3,128.00 | 4,205.00 | 4,318.00 | 4,751.00 | 4,397.00 | 5,291.00 |
| Total equity and liabilities | 95,977.00 | 109,426.00 | 138,829.00 | 157,846.00 | 165,542.00 | 191,797.00 |
| Cash and balances with the RBI | 4,146.00 | 4,638.00 | 7,345.00 | 8,605.00 | 5,551.00 | 6,973.00 |
| Balances with banks and money at call | 2,111.00 | 1,738.00 | 1,161.00 | 862.00 | 1,754.00 | 1,550.00 |
| Investments | 23,220.00 | 27,133.00 | 31,861.00 | 37,848.00 | 38,382.00 | 44,794.00 |
| Advances | 64,168.00 | 73,163.00 | 94,838.00 | 107,092.00 | 115,705.00 | 134,276.00 |
| Property, plant and equipment | 757.00 | 852.00 | 920.00 | 912.00 | 1,322.00 | 1,436.00 |
| Other assets | 1,574.00 | 1,902.00 | 2,704.00 | 2,527.00 | 2,828.00 | 2,768.00 |
| Total assets | 95,977.00 | 109,426.00 | 138,829.00 | 157,846.00 | 165,542.00 | 191,797.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 1,245.00 | 1,340.00 | 1,237.00 | 1,613.00 | 1,902.00 | 2,336.00 | 2,477.00 | 2,751.00 | 2,835.00 | 2,881.00 | 2,756.00 | 2,948.00 |
| Net non-performing assets | 385.00 | 456.00 | 401.00 | 563.00 | 707.00 | 906.00 | 791.00 | 971.00 | 1,016.00 | 1,091.00 | 990.00 | 1,060.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-04-01 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 25.53 | 25.49 | 25.46 | 25.45 | 22.93 | 22.92 | 22.90 | 22.88 | 22.87 | 22.85 | 0.23 | 0.23 | 0.23 | 0.23 |
| Domestic institutions | 19.25 | 19.56 | 20.81 | 22.78 | 21.16 | 18.44 | 20.14 | 21.78 | 27.17 | 28.87 | 0.32 | 0.31 | 0.31 | 0.33 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 20.55 | 0.23 | 0.23 | 0.23 | 0.24 |
| Insurance companies | 3.28 | 3.13 | 3.52 | 2.67 | 2.55 | 2.79 | 3.26 | 3.30 | 4.07 | 5.81 | 0.06 | 0.07 | 0.06 | 0.07 |
| Foreign institutions | 41.62 | 41.65 | 41.12 | 39.37 | 35.47 | 39.58 | 40.72 | 39.35 | 35.58 | 37.68 | 0.34 | 0.36 | 0.37 | 0.36 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Public | 74.47 | 74.51 | 74.54 | 74.55 | 77.07 | 77.08 | 77.10 | 77.12 | 77.13 | 77.15 | 0.77 | 0.77 | 0.77 | 0.77 |
| Non-institutional | 13.61 | 13.31 | 12.61 | 12.40 | 20.44 | 19.06 | 16.24 | 15.99 | 14.38 | 10.59 | 0.11 | 0.09 | 0.09 | 0.08 |
| Shares outstanding | 667015345 | 668228624 | 668774450 | 669162451 | 742687803 | 743159155 | 743537290 | 744232918 | 744530531 | 745192990 | 746111222 | 747180718 | 748267121 | 748971958 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Sanjay Agarwal | Promoter and MD & CEO | Any other transaction, Remuneration | 127,300,000.00 | 4 |
| Jyoti Agarwal | Promoter & relative of MD & | Any other transaction | 111,100,000.00 | 3 |
| Shakuntala Agarwal | Promoter & relative of MD & | Any other transaction | 108,600,000.00 | 3 |
| Devi Prasad Tibrewala | Relatives of Executive Director | Any other transaction | 89,600,000.00 | 2 |
| AU Foundation | Related Enterprise of Promoters/Ex | Any other transaction | 75,700,000.00 | 4 |
| Uttam Tibrewal | Executive Director & Deputy CE | Any other transaction, Interest received, Remunerati | 49,900,000.00 | 5 |
| Vimal Jain | KMPs (CFO & CS) | Any other transaction, Interest received, Remunerati | 30,800,000.00 | 5 |
| Suman Sultania | Relatives of Executive Director | Any other transaction | 26,300,000.00 | 2 |
| Mys Holdings Private Limited | Promoter Group and related enterpr | Any other transaction, Interest received | 16,800,000.00 | 2 |
| Manmohan Parnami | KMPs (CFO & CS) | Any other transaction, Remuneration | 10,500,000.00 | 3 |
| Kavita Venugopal | Non- Executive Director (Independe | Any other transaction | 10,000,000.00 | 4 |
| Vaibhav Tibrewala | Relatives of Executive Director | Any other transaction | 9,200,000.00 | 2 |
| Uma Bagaria | Relatives of Executive Director | Any other transaction | 8,400,000.00 | 3 |
| Sinku Jain | Relative of KMP (CFO & CS) | Any other transaction | 7,600,000.00 | 2 |
| Kannan Gopalaraghavan Vellur | Non- Executive Director (Independe | Any other transaction | 7,200,000.00 | 5 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-28 | Q1FY27 | Read the call | |
| 2026-04-29 | Q4FY26 | Read the call | |
| 2025-07-25 | Q1FY26 | DEPUTY CHIEF EXECUTIVE OFFICER, your touchtone phone. | Read the call |
| 2025-04-29 | Q4FY25 | CHIEF EXECUTIVE OFFICER, DEPUTY CHIEF EXECUTIVE OFFICER, OFFICER | Read the call |
| 2025-01-31 | Q3FY25 | FINANCE BANK, SMALL FINANCE BANK | Read the call |
| 2024-10-29 | Q2FY25 | & FIG, CHIEF EXECUTIVE OFFICER, DEPUTY CHIEF EXECUTIVE OFFICER, OFFICER, STRATEGY | Read the call |
| 2024-08-01 | Q1FY25 | OFFICER | Read the call |
| 2024-05-02 | Q4FY24 | FINANCE BANK LIMITED | Read the call |
| 2024-02-01 | Q3FY24 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2023-11-03 | Q2FY24 | Read the call | |
| 2023-07-27 | Q1FY24 | AND FIG, BUSINESS | Read the call |
| 2023-05-02 | Q4FY23 | Read the call | |
| 2023-01-25 | Q3FY23 | Read the call | |
| 2022-10-28 | Q2FY23 | BANK, SMALL FINANCE BANK | Read the call |
What they said about it, quarter by quarter
| Topic | Q2FY25 | Q3FY23 | Q3FY24 | Q3FY25 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | While there are some signs of bounce back in rural consumption and government CAPEX, overall momentum remains below expectation. | — | So, the CAPEX part has been already incurred. | I think in last March, the capex has gone up. | — |
| Capital allocation | One is, obviously, after the Fincare acquisition, the MFI happened at a higher rate that resulted in both the things that resulted in a onetime upward… | Even the competition has increased rates, but obviously not to the extent that what repo rate has been increased, but there is a significant rate hike… | Our pace of customer acquisition has got a significant boost due to our digital product with the possibility to acquire more than a million customers … | What we have done is we are not only containing the existing portfolio, but we have worked a lot on our underwriting capabilities on the new acquisiti… | On the other hand, our acquisition of savings from customers via the video Banking channel grew 100% during the year with 2.9 lakh plus customers havi… | Rather, we want to put the QR code to our current account acquisition kind of strategy, right? | So I mean, is it fair to assume that we might use this scenario, I mean, in terms of affording higher rates to sort of accelerate the CASA acquisition… | AU Small Finance Bank April 27, 2026 New CASA account acquisition for FY '26 grew by 62% year-on-year, crossing the milestone of 1 lakh monthly acquis… |
| Costs | — | — | And my final question is on levers which are available, like since cost of funding is going to be tough for some time and like yields are also like ha… | — | So, just to add this, government account on your question, cost is absolutely less actually than my individual or corporate because this is transactin… | — | As far as cost of funds are concerned, we have taken a cut on 16th of April, 25 basis points as Sanjay ji said, on savings as well as on the term depo… | — |
| Debt and cash | Any discontinuity directly impacts their earnings and cash flows. | So that in some way signifies that the underlying cash flows in the underlying businesses has been very-very strong. | — | — | — | — | Microfinance segment continued to face industrywide deleveraging and our MFI book declined by 17%. | These are normal business banking, working capital cases. |
| Demand | There are some early signs of pickup in economic activity over the last 3 to 4 weeks and we remain optimistic of an improved operating environment in … | — | During the third quarter, the festive season provided momentum to consumption and the overall demand remained robust across segments. | The economic slowdown has affected overall credit demand and AU Small Finance Bank January 24, 2025 we remain watchful in our underwriting. | FY23 witnessed resurgence of demand across various Industries. | — | Elevated interest rates weighed on both credit demand and cost of funds. | — |
| Guidance | To start the call, we'll have our MD and CEO, Sri Sanjay Agarwal, share his thoughts on the overall performance of the bank for the quarter as well as… | And whatever is left over at the end of the annual financial year, basis the guidance from the board, we'll take a call in terms of what do we intend … | With that, I'll now request our Founder, MD and CEO, Mr. Sanjay Agarwal, to start today's call by sharing his thoughts on the bank's performance and h… | Even with this increase, we expect to be at the lower end of our guided range of 7.10% to 7.15% for cost of funds for the year. | Moving ahead, we expect the advantage of scale to start kicking in, and by the year end, our investments in investor lending, video Banking, unsecured… | So, sir, I was just seeing like in terms of like what we expected as an additional transactional expenses, Rs. | This growth was delivered whilst optimizing a number of other variables, including managing our cost of funds, which came in at 7.07 % versus our init… | So are we experiencing some challenges in raising incremental deposit or is it that we anticipate better growth going ahead and to maintain CD ratio m… |
| Margin | — | So if I just club what Mahrukh and Nitin asked earlier, so just wanted to get your thoughts on margin over next four to five quarters. | This has resulted in our margin contraction by 6 basis points with an overall net interest margin at 5.5% for the quarter and 5.6% for the last 9 mont… | We achieved an ROA of 1.6% year-to-date and 1.5% for Q3. Net interest margin declined by 23 bps from 6.1% in Q2 to 5.9% in Q3. This was driven AU Smal… | So, keeping all of those factors in mind, will the margin be impacted? | So, Fincare obviously comes with a slightly higher margin. | — | Combined with transaction banking and CMS, our intent is to progressively run this as a fully self-funded business, a model that strengthens both marg… |
| People | Like as Sanjay ji said, some of the replacement hiring that were to be done, probably we figured out that can be managed with -- maybe at a lesser cos… | On the overall employees and the hiring, it's purely routine. | — | We don't want to hire people for the sake of hiring. | On the hiring front, we are seeing a great traction on people wanting to join us. | — | — | It requires us to fundamentally reimagine how we operate, scale and serve our customers by delivering superior customer experience, higher productivit… |
| Pricing | — | — | When we talk about intensity of competition, do you see risk of price hike in term deposits in the industry? | Throughout the year, we have maintained a strong focus on securing the right mix of deposits at optimal pricing and effectively managing our cost of f… | — | So, the principles of pricing in a Bank for a microfinance portfolio are linked to the input variables, which are typically the cost of fund, the oper… | So we haven't played last year also, to be honest, because many banks are pricing their saving account better than us, but we played our whole strateg… | Our mortgages business comprising micro business loan and affordable housing grew by 11% year-on-year to approximately ₹42,400 crores in a highly comp… |
| Revenue growth | I'm very happy to say you that our total deposits crossed the milestone of INR1 lakh crores to stand at ~INR110,000 crores, registering a quarter-to-q… | And because it's a very balancing game, you can't comment or we can't be over aggressive or we can't be just look for growth at any cost. | This growth was sustained by surplus liquidity buffers and notable demand for credit. | This financial year, we have delivered growth of around 15% year-to-date in total deposits and 9.4% in CASA. | I am pleased to share that Bank customer base has grown to over 38 lakhs in FY23 representing a growth of 40% over last fiscal year. | — | We delivered strong growth with our deposit book growing by 27% year-on-year versus banking sector deposit AU Small Finance Bank Limited April 22, 202… | Deposits growth remained strong at 10% quarter-on- quarter and 23% Y-o-Y versus estimated private sector banking growth of 13%. |