Profit before tax was at Rs 657.14 crore in the fourth quarter of FY25, registering a growth of 44.47% year-on-year.

Net interest income (NII) stood at Rs 2,094 crore in Q4 FY25, up 57% YoY. Net interest margin (NIM) stood at 5.8% in Q4 FY25, compared to 5.1% in Q4 FY24.

The bank’s pre-provisioning operating profit (PPoP) for Q4 FY25 grew 99% YoY to Rs 1,292 crore, compared to Rs 650 crore in Q4 FY24.

The bank's total deposits increased 42.53% YoY to Rs 1,24,269 crore in Q4 FY25.

CASA deposits increased by 24.46% YoY to Rs 36,253 crore in Q4 FY25, compared to Rs 29,126 crore in Q4 FY24; CASA ratio was at 29%.

On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 2,477.02 crore as on 31 March 2025 as against Rs 1,237.40 crore as on 31 March 2024.

The bank's net non-performing assets (NPAs) stood at Rs 791.34 crore as on 31 March 2025 as against Rs 400.98 crore as on 31 March 2024.

The ratio of net NPA to gross advances stood at 2.28% as on 31 March 2025 as against 1.67% as on 31 March 2024.

The ratio of net NPA to net advances stood at 0.74% as on 31 March 2025 as against 0.55% as on 31 March 2024.

Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, “We are coming out of a tough macroeconomic environment marked by persistent inflation, tight liquidity, a challenging credit environment, and lower-than-expected GDP growth. As we enter FY26, the economic outlook remains uncertain, driven largely by global factors such as tariff war and geopolitical developments. However, India is comparatively well-positioned, with both the Central Government and the RBI implementing supportive measures including tax rationalization, interest rate cuts, and the injection of durable liquidity into the banking system.

Against this backdrop, we have delivered a strong performance with higher than sectoral growth in both deposits and advances. We made meaningful progress on productivity and efficiency, which enabled us to deliver stronger profitability—even amid a credit cycle in unsecured businesses of microfinance and credit cards. As we celebrate 30 years of AU and 8 years of our banking journey, we remain focused on building an institution that can truly scale with sustainability.

I want to express my sincere gratitude to all stakeholders for their continued trust and support. We remain committed to driving financial inclusion, empowering individuals and businesses, and contributing towards strengthening India’s economic resilience and advancing sustainable growth.”

On a full-year basis, the company's net profit surged 37.21% to Rs 2105.92 crore on a 51.73% surge in revenue from operations to Rs 18590.04 crore in FY24 over FY23.

Meanwhile, the board of directors has recommended a dividend of Rs 1 per equity share of Rs 10 each for the financial year ended 31 March 2025, subject to approval of shareholders at the ensuing annual general meeting (AGM) of the bank. The dividend on equity shares will be paid after the same is approved by the shareholders at the ensuing AGM of the bank.

AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services.