CreditBrief

What AU Small Finance Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.50 lakh crore (+10% since March).

AU Small Finance BankSmall finance banks

₹1.36lakh croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers22ndof 33 banks on CreditBrief, March 2026
Biggest segment29.5%Mortgages (home loans, MBL and LAP), latest split (30 Sep 2026)
Share of the combined book0.6%of all banks on CreditBrief

Chapter 01 · The loan book

₹1.36 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in AU Small Finance Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from mortgages (home loans, mbl and lap) down, and you get ₹1.36 lakh crore. By 30 Sep 2026 it was ₹1.50 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

73%People and households₹1.12 lakh croreMortgages (home loans, MBL and LAP)Auto (cars, 2W)Credit cardsPL, BLCommercial vehicles (CV/CE/3W/Taxi)
23%Businesses₹35,356 croreBusiness banking (MSME)EE&FIREGRenewable energy

4% sits in lines the filing does not tie to either: Others (ODFD, inter-bank term lending, TREDS, run-down SME).

Drilling down: what it lends against · 30 Sep 2026

  • Mortgages (home loans, MBL and LAP)₹44,359 crore29.5%
  • Commercial vehicles (CV/CE/3W/Taxi)₹24,873 crore16.5%
  • Auto (cars, 2W)₹20,917 crore13.9%
  • Business banking (MSME)₹19,908 crore13.2%
  • MFI (incl. FPO and SMF)₹7,933 crore5.3%
  • EE&FI₹6,246 crore4.2%
  • Others (ODFD, inter-bank term lending, TREDS, run-down SME)₹6,056 crore4%
  • Tractor finance₹5,963 crore4%
  • REG₹5,582 crore3.7%
  • Gold loan₹4,737 crore3.2%
  • Renewable energy₹3,620 crore2.4%
  • Credit cards₹2,399 crore1.6%
  • PL, BL₹1,176 crore0.8%

The split covers ₹1,53,769 crore, which adds ₹3,478 crore of loans sold or shared off the books, so the segments come to about 2% more than gross advances. "Mortgages" mixes home loans, business mortgage loans and loans against property, so it is grouped as property.

Sources: AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 19 ↗ for March 2026; AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 9 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 31% a year since March 2022.

From ₹46,789 crore on 31 March 2022 to ₹1.36 lakh crore on 31 March 2026, and ₹1.50 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights27 figures from 4 filings · each checked against its pageHow it works
AU Small Finance Bank · loan book · 31 March 2026₹1.36lakh crore+25% in FY2025-26₹1.50 lakh crore by 30 Sep 2026
  1. 0131%a year since 2022Grew 31% a year from March 2022 to March 2026, a figure that includes its merger with Fincare Small Finance Bank in April 2024.
  2. 0225%in FY2025-26Growth slowed to 25% in FY2025-26, from 47% the year before. Part of that change comes from its merger with Fincare Small Finance Bank in April 2024.
  3. 0326thamong peersMoved up from 26th to 22nd biggest of these 33 banks between March 2022 and March 2026.
Deposits₹1.53 lakh crore+23% · in FY2025-26
Loans to deposits89.1%+1.6 pts · in FY2025-26
CASA ratio28.0%-1.2 pts · in FY2025-26
Branches703+14% · in FY2025-26
Mobile app users3.3 million+13% · in FY2024-25
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances46,78959,15873,9991,08,7781,36,0411,50,291
Deposits₹ crore52,58569,36587,1821,24,2691,52,6611,70,460
CASA ratio%37.0038.0033.0029.2028.0029.50
BranchesNumber629616703766
Mobile app usersMillion1.11.933.34.6

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at AU Small Finance Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

AU Small Finance Bank, Q2 FY2026-27: loan book ₹1.50 lakh crore, +10% since March

  • ₹1.50 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Mortgages (home loans, MBL and LAP), 30% of the book
  • Every figure links to page 9 of its filing

Chapter 03 · Among its peers

22nd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.6% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 22AU Small Finance Bank₹1.36 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

Similar lenders