AU Small Finance Bank has demonstrated strong financial performance, showcasing significant growth in key business metrics.

Deposit Growth

The bank reported a substantial year-over-year increase in deposits, with growth reaching 20.8%. This impressive expansion in the deposit base indicates growing customer trust and the bank's ability to attract funds effectively.

Advances Growth

AU Small Finance Bank's gross advances also saw a notable uptick, rising by 22.4% compared to the same period last year. This growth in lending activities suggests a robust demand for credit and the bank's capacity to expand its loan portfolio.

Performance Overview

To better illustrate the bank's performance, here's a summary of the key growth metrics:

The double-digit growth in both deposits and advances underscores AU Small Finance Bank's strong position in the market and its effective strategies in expanding its business operations.

While specific financial figures are not available, the substantial growth percentages indicate that AU Small Finance Bank is on a positive trajectory, potentially strengthening its market position in the small finance banking sector.

The bank's ability to grow its deposit base faster than the industry average could be a sign of increasing customer confidence and effective marketing strategies. Similarly, the growth in gross advances might suggest a robust credit assessment process and an expanding customer base for loans.

As AU Small Finance Bank continues to show strong growth in these key areas, it will be interesting to observe how this performance translates into overall profitability and market share in the future.

AU Small Finance Bank Limited has released its provisional business update for the quarter ended December 31, 2025, showcasing robust growth across key financial metrics. The bank has also announced its board meeting and conference call scheduled for January 20, 2026, to discuss Q3FY26 unaudited financial results.

Strong Deposit and Advance Performance

The bank demonstrated impressive year-on-year growth with total deposits surging 23.3% to reach ₹1,38,420.00 crores, compared to ₹1,12,260.00 crores in the same period last year. This substantial increase reflects the bank's enhanced ability to attract customer deposits in a competitive banking environment.

Gross advances showed even stronger momentum, expanding by 24.0% year-on-year to ₹1,25,210.00 crores from ₹1,00,989.00 crores. This significant growth in lending activity indicates robust credit demand and the bank's continued focus on portfolio expansion.

CASA Deposits and Ratio Analysis

CASA deposits grew by 16.1% year-on-year to ₹39,950.00 crores, though the CASA ratio declined to 28.9% from 30.6% in the previous year. This decrease suggests customers may be preferring higher-yielding term deposits in the current interest rate environment.

Comprehensive Loan Portfolio Expansion

The bank's gross loan portfolio, including securitized and assigned portfolios, expanded by 19.3% year-on-year to ₹1,29,900.00 crores. Notably, the securitized and assigned portfolio decreased to ₹4,690.00 crores, indicating a strategic shift toward retaining more loans on the balance sheet.

Conference Call and Board Meeting Details

The bank will host a group conference call with analysts and investors on January 20, 2026 at 06:00 PM IST, where senior management will discuss the financial results for the quarter and nine months ended December 31, 2025. The board meeting is also scheduled for the same date to consider and approve the unaudited financial results.

The conference call will be accessible through multiple dial-in numbers including universal access numbers, local access numbers for India, Hong Kong, Singapore, UK, and USA. A replay facility will be available from January 20-21, 2026.

Regulatory Compliance and Performance Outlook

The provisional figures were disclosed under Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015, and SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The conference call announcement was made under Regulation 30 of SEBI regulations. Pursuant to SEBI regulations, the trading window for designated persons and their immediate relatives remains closed from January 1, 2026, till January 22, 2026.

AU Small Finance Bank's Q3 performance demonstrates continued strong growth trajectory with robust expansion in both deposits and advances, positioning the bank favorably in the competitive small finance banking sector despite the slight decline in CASA ratio.