The midcap lender’s profit after tax (PAT) increased 25% sequentially from Rs 668 crore in Q3FY26.
AU SFB’s net interest margin (NIM) expanded by 24 bps to 5.96% in Q4FY26 from 5.7% in Q3FY26, while its cost of funds (CoF) declined 12 bps QoQ to 6.49% in Q4FY26.
AU SFB Q4 Results Q4 Results: Deposits
Total deposits rose 23% YoY and 10% QoQ to Rs 1.52 lakh crore. Current account deposits grew 34% YoY and 26% QoQ to Rs 9,359 crore, while savings account deposits increased 16% YoY and 4% QoQ to Rs 33,998 crore.
The CASA deposits grew by 20% YoY and 9% QoQ to Rs 43,357 crore, while the CASA ratio stood at 28% as on March 31, 2026.
AU SFB Q4 Results Q4 Results: Advances
The gross loan portfolio (GLP) stood at Rs 1.40 lakh crore, growing 21% YoY and 8% QoQ. Secured businesses (retail and commercial) rose 23% YoY and 7% QoQ, while unsecured segments—MFI, credit cards and personal loans—declined 1% YoY but grew 7% QoQ, led by MFI and personal loans.
Yield on gross advances was stable QoQ at 13.8% for Q4FY26.
Key ratios
Credit Deposit (CD) ratio, excluding advances created out of refinance from Development Finance Institutions (DFI) like NABARD, SIDBI, NHB, MUDRA, was 80% at March 2026.
The average liquidity coverage ratio (LCR) was 119% for Q4FY26; the average LCR at March 2026 was 120%.
Bank maintains additional liquidity of 10-15% of LCR, which is in the form of high-quality, liquid, non-SLR investments which are not part of LCR computation.
The Capital adequacy ratio as on March 31, 2026 stands at 18.7%, and Tier I capital adequacy ratio stands at 16.9%.
Asset quality
AU SFB’s slippages decreased by 17% QoQ to Rs 659 crore in Q4FY26 from Rs 791 crore in Q3FY26 and Rs 894 crore in Q4FY25, led by improvement across asset classes.
GNPA ratio improved to 2.03% as of March 31 2026, versus 2.30% in December 2025, and NNPA ratio improved to 0.74%, versus 0.88% in December 2025.
Collection efficiency in non-overdue MFI loans improved to 99.7% versus 99.3% in Q3FY26, while provision coverage ratio, including technical write-offs, was 85% at March 31, 2026.
Credit cost for FY26 was 0.96% of the average total assets, improved from 1.30% for FY25.
Dividend
The company’s board recommended a dividend of Re 1 per equity share for the financial year ended March 31, 2026, subject to approval by shareholders at the ensuing Annual General Meeting (AGM).
(Disclaimer: The recommendations, suggestions, views, and opinions given by the experts are their own. These do not represent the views of The Economic Times.)
