AU Small Finance Bank Q4 FY26 PAT Up 65% YoY

AU SFB Q4 PAT surged 65% YoY to ₹832 cr with NIM expanding 24bps QoQ to 5.96% and GNPA declining to 2.03%.
Bank filed for final universal bank license after RBI eased NOFHC requirements and reappointed Sanjay Agarwal as MD & CEO.
Secured loan portfolio grew 23% YoY while unsecured businesses returned to growth with 7% QoQ expansion.
Bank launched agentic AI platform, expanded distribution by 334 touchpoints, and declared ₹1 per share dividend for FY26.