AU Small Finance Bank Q2 FY27: PAT up 53% to ₹858 crore, NII up 32%, GNPA eases to 1.99%
Q2 FY27 PAT up 53% to ₹858 cr, NII up 32% to ₹2,820 cr; GNPA 1.99%, RoE 16.1%.
By ScoutQuest · · 1 min read
- PAT Growth
- Q2 FY27 PAT up 53% to ₹858 cr
- Net Interest Income
- NII up 32% to ₹2,820 cr
- Asset Quality / RoE
- GNPA 1.99%, RoE 16.1%
- Period
- Q2'FY27
- Positioning
- AU describes itself as India's largest small finance bank, a retail-led, largely secured (>90%) lender with 3,100+ touchpoints and in-principle approval to become a Universal Bank.
📉 Q2 FY27 net interest income rose 32% to ₹2,820 crore and profit after tax rose 53% to ₹858 crore; H1 FY27 PAT was ₹1,654 crore, up 45%. Provisions fell 25% year on year to ₹359 crore, and GNPA improved to 1.99% from 2.41%, with RoE at 16.1% for the quarter.
📉 Gross loan portfolio reached ₹1,53,769 crore, up 25.1% year on year, led by commercial banking (up 38.9%). NIM was 5.8% and cost of funds fell to 6.41%, though CRAR eased to 18.5% from 20.0%.
🎯 The company says it is India's largest SFB with in-principle approval to transition to a Universal Bank, and that ICRA upgraded its rating outlook to Positive. Management states it plans to add ~100 liability branches annually, focused on the top 20-30 cities.
🎯 The presentation lists a Run, Build, Transform technology strategy aiming to scale AI from use cases to an operating model; the company says its Gold Loan agentic LOS, live in 40 branches, will be rolled out to 100 branches.
Also from AU Small Finance Bank
Audio recording of earnings call on Q2/H1 results now available on the Bank's website
24 Oct 2026
Q2FY27 release: profit up 53%, deposits up 28.6%, loans up 25.1%; margin and asset quality improve
24 Oct 2026
Standalone results for the quarter ended 30.09.2026
24 Oct 2026
More numbers
- Profit After Tax, Q2'FY27858 (₹ crore)
- PAT growth YoY, Q2'FY2753%
- Net Interest Income, Q2'FY272,820 (₹ crore)
- Profit After Tax, H1'FY271,654 (₹ crore)
- Provisions, Q2'FY27359 (₹ crore)
- NIM, Q2'FY275.8%
- GNPA, Q2'FY271.99%
- CRAR, Q2'FY2718.5%
- RoE, Q2'FY2716.1%
- Gross Loan Portfolio, Q2'FY271,53,769 (₹ in cr)
- GLP growth YoY, Q2'FY2725.1%
- Green Fixed Deposits raised, as on 30 Sep 2026₹3,280 Cr+
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