In spite when the country is facing liquidity crisis, one of India’s leading small finance banks reacted strongly on Thursday after it made key announcements through its business update.
Price Movement
With a market capitalization of Rs 41,414 crore, the shares of AU Small Finance Bank Ltd made an intraday high of Rs 565.60 per share, up by 4.83 percent from its previous day closing price of Rs 539.50 per share.
About the announcement
On 3 April, 2025, AU Small Finance Bank announced that its total deposit has risen by 10.7 percent quarter on quarter and 27.2 percent on a year-on-year basis. It reported a total deposit of Rs 1,24,270 crore in Q4 FY25 as compared to Rs 1,12,260 crore in Q3 FY25.
Additionally, its CASA (Current Account – Savings Account) deposits reported a 5.4 percent increase on a quarter-on-quarter basis and 15.2 percent on a year-on-year basis. It reported a total CASA deposits of Rs 36,250 crore in Q4 FY25 as compared to Rs 34,402 crore in Q3 FY25.
Its Gross Loan Portfolio stands at Rs 1,15,710 crore as of Q4 FY25, up by 6.2 percent, from its previous quarter of Rs 1,08,921 crore.
Financials
The company reported a net total income of Rs 2,641 crore in Q3 FY25, up by 49 percent, from its Q3 FY24 net total income of Rs 1,767 crore. It posted a net profit of Rs 528 crore in Q3 FY25, up by 41 percent, from its Q3 FY24 net profit of Rs 375 crores and down by 7 percent from its Q2 FY25 net profit of Rs 571 crores. It also reported a capital adequacy ratio of 19.9 percent as of 31 December 2024.
About the Company
AU Small Finance Bank Limited is headquartered in Jaipur, India, and it offers a wide range of banking and financial services. It operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It has its presence in 21 states and 4 Union Territories.
The bank provides various deposit accounts, debit and credit cards, loans (vehicle, personal, home, business, agriculture), insurance, mutual funds, and government banking services. It also offers internet/mobile banking, merchant payment services, and operates through branches, business correspondents, and ATMs.
Written by Satyajeet Mukherjee
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