AU Small Finance Bank Ltd
AU Small Finance Bank Q2 Results 2026 (FY27): Revenue ₹3,590 Cr, PAT ₹858 Cr
Q2 FY27 investor presentation: what the company reported on revenue and margins.
AU Small Finance Bank Ltd Q2 FY27 key numbers
- Revenue
- Net Interest Income (NII) for Q2 FY27: ₹2,820 crore, up 32% YoY.
As stated in AU Small Finance Bank Ltd's Q2 FY27 investor presentation · published 24 Oct 2026. Reported figures, not investment advice.
Based on AU Small Finance Bank Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.
The short version
Net Interest Income (NII) for Q2 FY27: ₹2,820 crore, up 32% YoY - Other Income for Q2 FY27: ₹770 crore (core other income ₹736 crore), core other income up 16% YoY, total other income up 8% YoY - EBITDA / PPoP (Profit before Provisions and Tax) for Q2’FY27: ₹1,514 crore, up 25% YoY (Page 10) - Core PPoP (excluding treasury gains) increased 31% YoY to ₹1,480 crore (Page 10) - Operating expenses
From AU Small Finance Bank Ltd's Q2 FY27 earnings-call transcript · updated 24 Oct 2026.
Revenue & Sales Performance
- Net Interest Income (NII) for Q2 FY27: ₹2,820 crore, up 32% YoY
- Other Income for Q2 FY27: ₹770 crore (core other income ₹736 crore), core other income up 16% YoY, total other income up 8% YoY
- Net Total Income for Q2 FY27: ₹3,590 crore, up 26% YoY
- Interest Earned for H1 FY27: ₹10,915 crore, 23% YoY increase
- Loans (Gross Loan Portfolio) grew 25% YoY to ₹1.54 lakh crore
- Deposits grew 29% YoY to ₹1.70 lakh crore
2 more points from AU Small Finance Bank Ltd's call on revenue
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Profitability & Margins
- EBITDA / PPoP (Profit before Provisions and Tax) for Q2’FY27: ₹1,514 crore, up 25% YoY (Page 10)
- Core PPoP (excluding treasury gains) increased 31% YoY to ₹1,480 crore (Page 10)
- Operating expenses for Q2’FY27: ₹2,077 crore, up 26% YoY (Page 10)
- Operating margin (Cost-to-Assets, excluding guarantee premium) was 3.9% in Q2’FY27, slightly improved from 4.0% in Q2’FY26 (Page 10)
- Profit After Tax (PAT) for Q2’FY27: ₹858 crore, up 53% YoY (Page 10 and 12)
2 more points from AU Small Finance Bank Ltd's call on margins
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Continue your research
What AU Small Finance Bank Ltd's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q3 FY25 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q1 FY26 earnings call →
- Q4 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
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- IndusInd Bank Ltd (Q2 FY27)
Net Interest Income (NII) for Q2 FY27: ₹4,569 crores, up 4% YoY. Key investor presentation takeaways from IndusInd Bank Ltd's Q2 FY27 investor presentation — an
- Jana Small Finan (Q2 FY27)
1,816 Crs, up 18% YoY and 4% QoQ (Page 19) . Key investor presentation takeaways from Jana Small Finan's Q2 FY27 investor presentation — and how it ranks agains
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Frequently Asked Questions
What were AU Small Finance Bank Ltd Q2 FY27 results?
Net Interest Income (NII) for Q2 FY27: ₹2,820 crore, up 32% YoY - Other Income for Q2 FY27: ₹770 crore (core other income ₹736 crore), core other income up 16% YoY, total other income up 8% YoY - EBITDA / PPoP (Profit before Provisions and Tax) for Q2’FY27: ₹1,514 crore, up 25% YoY (Page 10) - Core PPoP (excluding treasury gains) increased 31% YoY to ₹1,480 crore (Page 10) - Operating expenses
What is AU Small Finance Bank Ltd share price analysis?
AU Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 24.5 with a market cap of ₹70,074 Cr. Investors should review the full earnings analysis for detailed insights.
Is AU Small Finance Bank Ltd planning capital expenditure?
The investor presentation does not explicitly detail any specific capex, capacity expansion, or new plant/project with amounts, status, or timelines.
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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.