# AU Small Finance Bank > Small finance banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/au ## Loan book - ₹1.36 lakh crore on 31 March 2026, the end of FY2025-26 (Gross advances). - ₹1.50 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 19: https://nsearchives.nseindia.com/corporate/SUMIT1_27042026163933_Investor_Presentation_Disclosure.pdf ## Findings - Grew 31% a year from March 2022 to March 2026, a figure that includes its merger with Fincare Small Finance Bank in April 2024. - Growth 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. - Moved up from 26th to 22nd biggest of these 33 banks between March 2022 and March 2026. ## What it lends against (30 Sep 2026) - Mortgages (home loans, MBL and LAP): ₹44,359 crore (29.5%) - Commercial vehicles (CV/CE/3W/Taxi): ₹24,873 crore (16.5%) - Auto (cars, 2W): ₹20,917 crore (13.9%) - Business banking (MSME): ₹19,908 crore (13.2%) - MFI (incl. FPO and SMF): ₹7,933 crore (5.3%) - EE&FI: ₹6,246 crore (4.2%) - Others (ODFD, inter-bank term lending, TREDS, run-down SME): ₹6,056 crore (4%) - Tractor finance: ₹5,963 crore (4%) - REG: ₹5,582 crore (3.7%) - Gold loan: ₹4,737 crore (3.2%) - Renewable energy: ₹3,620 crore (2.4%) - Credit cards: ₹2,399 crore (1.6%) - PL, BL: ₹1,176 crore (0.8%) Source: AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 9: https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 46,789 | 59,158 | 73,999 | 1,08,778 | 1,36,041 | 1,50,291 | | Deposits (₹ crore) | 52,585 | 69,365 | 87,182 | 1,24,269 | 1,52,661 | 1,70,460 | | CASA ratio (%) | 37.00 | 38.00 | 33.00 | 29.20 | 28.00 | 29.50 | | Branches (Number) | | | 629 | 616 | 703 | 766 | | Mobile app users (Million) | 1.1 | 1.9 | 3 | 3.3 | | 4.6 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 13,413 22,994 27,233 35,356 46,789 59,158 73,999" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 11) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 13,413 22,994 27,233 35,356 46,789 59,158 73,999" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 11) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 13,413 22,994 27,233 35,356 46,789 59,158 73,999" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 11) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Loan book, FY2024-25 (31 Mar 2025): "Gross Advances ₹1,08,778 Cr" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 9) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Loan book, FY2025-26 (31 Mar 2026): "Gross Advances ₹1,36,041 cr" (AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 19) https://nsearchives.nseindia.com/corporate/SUMIT1_27042026163933_Investor_Presentation_Disclosure.pdf - Loan book, 30 Sep 2026: "Gross advances ₹1,50,291 cr" (AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 9) https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf - Deposits, FY2021-22 (31 Mar 2022): "Mar'22 34,757 17,828 52,585 67% 37%" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 42) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Deposits, FY2022-23 (31 Mar 2023): "Deposits 87,182 69,365" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 35) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Deposits, FY2023-24 (31 Mar 2024): "Deposits 87,182 69,365" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 35) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Deposits, FY2024-25 (31 Mar 2025): "Deposits 1,24,269 87,182 43% 1,12,260 11% 97,704" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 23) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Deposits, FY2025-26 (31 Mar 2026): "Deposits 1,52,661 1,24,269" (AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 29) https://nsearchives.nseindia.com/corporate/SUMIT1_27042026163933_Investor_Presentation_Disclosure.pdf - Deposits, 30 Sep 2026: "Deposits 1,70,460 1,32,509" (AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 15) https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "Mar'22 34,757 17,828 52,585 67% 37%" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 42) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "Mar'23 47,968 21,397 69,365 69% 38%" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 42) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA ratio at 33%" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 26) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA ratio at 29.2%" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 8) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA ratio at 28%" (AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 4) https://nsearchives.nseindia.com/corporate/SUMIT1_27042026163933_Investor_Presentation_Disclosure.pdf - CASA ratio, 30 Sep 2026: "CASA ratio grew 72 bps sequentially to 29.5%" (AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 6) https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf - Branches, FY2023-24 (31 Mar 2024): "629 Branches 239 Asset Centres" (AU Small Finance Bank Investor Presentation Q4 FY24, PDF page 13) https://nsearchives.nseindia.com/corporate/AUBANK_24042024162548_Investor_Presentation_Disclosure.pdf - Branches, FY2024-25 (31 Mar 2025): "616 1,067 773" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 25) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Branches, FY2025-26 (31 Mar 2026): "703 1,206 881" (AU Small Finance Bank Investor Presentation Q4 FY26, PDF page 49) https://nsearchives.nseindia.com/corporate/SUMIT1_27042026163933_Investor_Presentation_Disclosure.pdf - Branches, 30 Sep 2026: "766 1,372 965" (AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 27) https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "4.5 5.8 7.8 10.5 11.9" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 31) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "19.2 21.2" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 31) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "29.5 31.2 32 32.9 33.3" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 31) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Mobile app users, FY2024-25 (31 Mar 2025): "33.3 Lacs" (AU Small Finance Bank Investor Presentation Q4 FY25, PDF page 31) https://nsearchives.nseindia.com/corporate/SUMIT1_22042025162614_Investor_Presentation_Disclosure.pdf - Mobile app users, 30 Sep 2026: "46+ lac registered users on AU 0101" (AU Small Finance Bank Investor Presentation Q2 FY27, PDF page 7) https://nsearchives.nseindia.com/corporate/SUMIT1_24102026153558_Investor_Presentation.pdf CreditBrief is independent and not linked to any lender. Not investment advice.