AU Small Finance Bank Reports 10.7% Q4 Deposit Growth, Approves ₹1,500 Crore Tier II Bond Issuance
AU Small Finance Bank (AUSFB) has reported a 10.7% quarter-on-quarter increase in total deposits, reaching ₹124,270.00 crore as of March 31, 2025. This represents a 27.2% year-on-year growth. CASA deposits rose by 5.4% quarter-on-quarter to ₹36,250.00 crore, though the CASA ratio declined to 29.2%. Gross advances grew by 7.7% quarter-on-quarter to ₹108,780.00 crore. The bank has also approved the issuance of Tier II Bonds up to ₹1,500.00 crore to strengthen its capital base. These figures reflect the impact of the merger with Fincare SFB, effective April 1, 2024.

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AU Small Finance Bank (AUSFB) has reported significant growth in deposits for the fourth quarter of the financial year 2024-25, along with plans to bolster its capital base through Tier II Bond issuance.
Q4 Deposit Growth
According to the bank's latest regulatory filing, AUSFB witnessed a robust 10.7% quarter-on-quarter increase in total deposits, reaching ₹124,270.00 crore as of March 31, 2025. This marks a substantial 27.2% year-on-year growth from ₹97,704.00 crore reported on April 1, 2024, following the merger with Fincare SFB.
CASA Performance
The bank's Current Account Savings Account (CASA) deposits also showed positive momentum, rising by 5.4% quarter-on-quarter to ₹36,250.00 crore. However, the CASA ratio experienced a slight decline, settling at 29.2% compared to 30.6% in the previous quarter and 32.2% at the beginning of the financial year.
Loan Portfolio Expansion
AUSFB's gross advances grew by 7.7% quarter-on-quarter, reaching ₹108,780.00 crore. The gross loan portfolio, which includes securitized/assigned portfolio and IBPC (Inter-Bank Participation Certificate), stood at ₹115,710.00 crore, reflecting a 6.2% increase from the previous quarter and a 19.9% rise year-on-year.
Key Financial Metrics
Particulars (in ₹ Crore) | 31st Mar'25 | 31st Dec'24 | QoQ Change | 1st Apr'24 (merged) | YoY Change |
---|---|---|---|---|---|
Total Deposits | 124,270.00 | 112,260.00 | 10.7% | 97,704.00 | 27.2% |
CASA Deposits | 36,250.00 | 34,402.00 | 5.4% | 31,456.00 | 15.2% |
CASA Ratio | 29.2% | 30.6% | N.A | 32.2% | N.A |
Gross Advances | 108,780.00 | 100,989.00 | 7.7% | 86,478.00 | 25.8% |
Gross Loan Portfolio | 115,710.00 | 108,921.00 | 6.2% | 96,490.00 | 19.9% |
Tier II Bond Issuance
In a separate development, AU Small Finance Bank has approved the issuance of Tier II Bonds up to ₹1,500.00 crore. This move is likely aimed at strengthening the bank's capital base to support its growth trajectory and meet regulatory requirements.
Merger Impact
It's worth noting that the year-on-year comparisons reflect the impact of the merger between AU Small Finance Bank and Fincare SFB, which became effective on April 1, 2024. This merger has contributed to the significant year-on-year growth in various financial metrics.
Conclusion
The bank has stated that the reported figures for Q4 FY25 are provisional and subject to review and approval by the Audit Committee, Board of Directors, and Statutory Auditors. Investors and stakeholders will be keenly watching for the official announcement of the financial results for the quarter and financial year ended March 31, 2025, which will provide a more comprehensive picture of the bank's performance.
Historical Stock Returns for AU Small Finance Bank
1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
---|---|---|---|---|---|
+0.72% | +5.29% | +19.27% | -14.62% | -5.56% | +117.32% |