AU Small Finance Bank reported robust growth for the fiscal year ended March 31, 2026. The bank achieved a net profit of ₹2,641.25 crore, marking a significant increase from the previous year. Key highlights include a recommended dividend of ₹1 per equity share, the formal appointment of Mr. Gaurav Jain as Chief Financial Officer, and enabling resolutions for future capital raising of up to ₹13,500 crore via equity and debt instruments.
Annual Financial Highlights
For the financial year ended March 31, 2026, AU Small Finance Bank delivered a solid financial performance. The bank reported a total income of ₹21,614.28 crore. Net profit for the period climbed to ₹2,641.25 crore, compared to ₹2,105.93 crore in the previous fiscal year. Earnings per share (EPS) for the year stood at ₹35.40.
Strategic Appointments and Dividend
The Board of Directors has formally appointed Mr. Gaurav Jain as the Chief Financial Officer (CFO), effective April 27, 2026. Mr. Jain, a Chartered Accountant and MBA from the Kellogg School of Management, brings over two decades of global leadership experience. Furthermore, the Board has recommended a dividend of ₹1 per equity share (10% of face value) for the financial year, subject to approval at the upcoming Annual General Meeting.
Fund Raising Initiatives
To support future growth and capital requirements, the bank has proposed an annual renewal of fund-raising limits. This includes the issuance of equity shares for an aggregate amount not exceeding ₹7,500 crore through various placement modes, and debt instruments, including bonds and non-convertible debentures, for an amount not exceeding ₹6,000 crore. These measures are subject to shareholder approval and aim to strengthen the bank’s long-term capital structure.
Asset Quality and Segment Performance
The bank maintained healthy asset quality metrics, with the percentage of Gross NPAs to Gross Advances at 2.03% and Net NPAs to Net Advances at 0.74% as of March 31, 2026. Retail banking continues to be the primary revenue driver, contributing ₹15,779.73 crore to the segment revenue for the year, reflecting the bank’s continued focus on its core retail operations.
Source: BSE
