	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	C 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	-	-	-	-	-	-	940	1,343	1,909	2,365	3,234	4,425	5,157	8,012	9,113
Non-Interest Revenue	-	-	-	-	-	-	206	340	602	1,313	756	941	1,674	2,494	-
Total Revenue	229	411	565	687	1,206	1,429	1,147	1,683	2,511	3,679	3,990	5,366	6,831	10,505	9,113
Cost of Operating Revenue	103	197	288	282	492	531	-	-	-	-	-	-	-	-	-
Total Operating Expenses	174	309	458	479	837	954	703	1,101	1,596	2,219	2,535	3,501	4,831	7,713	5,639
Operating Profit	55	102	107	208	368	475	444	582	915	1,459	1,455	1,865	2,001	2,792	3,474
Operating Margin	24.2	24.8	19.0	30.3	30.5	33.2	38.7	34.6	36.4	39.7	36.5	34.8	29.3	26.6	38.1
Financing Income/(Expense) - Net	0	1	4	0	3	11	-	-	-	-	-	-	-	-	-
Profit before Taxes	55	103	110	207	373	1,082	443	580	914	1,459	1,454	1,865	1,999	2,788	3,474
Income Taxes	18	33	37	68	128	321	151	198	239	288	324	437	465	682	833
Profit after Tax	37	69	73	139	247	320	292	382	675	1,171	1,130	1,428	1,535	2,106	2,641
PAT Margin	16.3	16.9	12.8	20.3	20.4	22.4	25.5	22.7	26.9	31.8	28.3	26.6	22.5	20.0	29.0
EPS - Basic - ex Extraordinary Items	0.66	1.22	1.28	2.45	4.66	13.99	5.13	6.58	11.39	19.10	18.03	21.86	22.98	28.32	35.40
EPS - Diluted - ex Extraordinary Items	0.66	1.22	1.28	2.45	4.63	13.72	5.00	6.45	11.16	18.93	17.85	21.74	22.86	28.24	35.01
EBIT	55	102	107	208	368	475	444	582	915	1,459	1,455	1,865	2,001	2,792	3,474
EBITDA	58	105	111	214	378	481	497	643	1,004	1,564	1,595	2,051	2,226	3,050	3,746
EBITDA Margin	25.5	25.5	19.6	31.2	31.4	33.7	43.4	38.2	40.0	42.5	40.0	38.2	32.6	29.0	41.1

Balance Sheet

Abridged

Understanding Balance Sheet

AU Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	PR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	-	-	-	-	-	-	897	954	1,279	1,897	2,891	9,435	5,079	9,238	8,523
Lending & LT Balance with Banks	-	-	-	-	-	-	2,376	3,486	4,587	6,683	9,623	10,552	17,701	22,665	-
Property Plant & Equipment - Net	15	16	16	18	28	194	386	447	448	482	623	740	852	912	1,436
Total Assets	1,157	3,113	2,959	3,980	7,933	9,812	18,833	32,623	42,143	51,591	69,078	90,216	1,09,426	1,57,846	1,91,797
Deposits - Total	-	-	-	-	-	-	7,923	19,422	26,164	35,979	52,585	69,365	87,182	1,24,269	1,52,661
Long Term Debt	246	1,463	1,273	1,580	4,007	4,937	7,639	8,613	10,335	7,030	5,991	6,299	5,479	11,660	13,872
Total Liabilities	775	2,671	2,361	3,213	6,862	7,824	16,552	29,460	37,766	45,316	61,564	79,239	96,866	1,40,679	1,71,824
Total Shareholders' Equity	382	442	598	766	1,067	1,988	2,281	3,163	4,377	6,275	7,514	10,977	12,560	17,166	19,974
Minority Interest	-	-	-	-	4	-	-	-	-	-	-	-	-	-	-
Total Equity	382	442	598	766	1,071	1,988	2,281	3,163	4,377	6,275	7,514	10,977	12,560	17,166	19,974
Total Liabilities & Equity	1,157	3,113	2,959	3,980	7,933	9,812	18,833	32,623	42,143	51,591	69,078	90,216	1,09,426	1,57,846	1,91,797
Total Current Assets	465	1,775	1,312	1,547	2,642	4,353	-	-	-	-	-	-	-	-	-
Total Current Liabilities	505	1,185	1,050	1,564	2,733	2,760	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

AU Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	33	69	74	158	276	183	466	611	1,032	1,921	1,675	1,942	2,302	4,559	5,008
Working Capital - Increase/(Decrease)	-394	-1,000	-644	-905	-1,995	701	2,039	237	-373	3,135	5,174	3,552	306	903	-3,180
Net CF from Operating Activities	-360	-931	-570	-747	-1,719	884	2,505	848	660	5,056	6,849	5,494	2,608	5,462	1,829
Capital Expenditures - Net	6	4	3	9	16	252	164	124	91	140	281	304	338	257	802
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	17	26	-	-	32	67	74	75
Net CF from Investing Activities	-104	-676	611	-23	39	-1,800	-1,890	-2,305	-1,267	-990	-4,753	-4,320	-4,855	-5,931	-5,090
Stock - Issuance/(Retirement) - Net	183	-	86	39	4	172	3	482	546	658	90	2,069	84	61	181
Debt - LT & ST - Issuance/(Retirement) - Total	292	1,858	-349	747	1,960	862	519	974	1,722	-3,306	-1,039	308	-819	2,420	2,212
Net Cash Flow from Financing Activities	474	1,844	-266	782	1,958	1,022	521	1,436	2,237	-2,655	-948	2,323	-802	2,407	2,318
Free Cash Flow to Equity	-74	922	-923	-9	225	1,494	2,860	1,698	2,291	1,611	5,529	5,498	1,450	7,626	3,239
Free Operating CF net dividend	-366	-935	-574	-756	-1,735	626	2,340	705	541	4,915	6,566	5,156	2,195	5,124	946
Free Operating CF	-366	-935	-574	-756	-1,735	626	2,340	722	567	4,915	6,566	5,188	2,262	5,198	1,020

Business Segment Analysis

FY End:

Mar 25

AU Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Other Retail Banking (75.3%)₹ 14,001.21 CrTreasury (13.8%)₹ 2,564.93 CrWholesale banking (8.8%)₹ 1,643.19 CrOther banking operations (2.0%)₹ 380.71 Cr

Assets

Other Retail Banking (58.8%)₹ 92,837.65 CrTreasury (27.8%)₹ 43,867.45 CrWholesale banking (10.2%)₹ 16,078.46 CrUnallocated (3.2%)₹ 4,987.03 CrOther banking operations (0.0%)₹ 74.92 CrDigital banking (0.0%)₹ 0.16 Cr

Regional Segment Analysis

FY End:

Mar 25

AU Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 10,505.09 Cr

Assets

India (100.0%)₹ 1,57,845.67 Cr

Historical Segment Analysis

Track how AU Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for AU Small Finance Bank Ltd..

Frequently Asked Questions

What is the revenue of AU Small Finance Bank Ltd.?

The latest trailing twelve month revenue of AU Small Finance Bank Ltd. is ₹ 12,090.60 Cr, reflecting a 1-year growth of 14.70% and a 3-year CAGR of 30.34%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of AU Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of AU Small Finance Bank Ltd. is ₹ 2,641.25 Cr, with a 3-year earnings CAGR of 17.22%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of AU Small Finance Bank Ltd.?

The trailing twelve month EBITDA of AU Small Finance Bank Ltd. is approximately ₹ 3,474.05 Cr (based on an operating margin of 28.73%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of AU Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of AU Small Finance Bank Ltd. is 35.01. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of AU Small Finance Bank Ltd.?

The debt-to-equity ratio of AU Small Finance Bank Ltd. stands at 0.69. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of AU Small Finance Bank Ltd.?

The estimated book value per share of AU Small Finance Bank Ltd. is 266.25 (derived from a P/B ratio of 3.96 and market price of ₹ 1,055.30), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of AU Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of AU Small Finance Bank Ltd. is ₹ 1,828.87 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does AU Small Finance Bank Ltd. report consolidated or standalone financials?

AU Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.