AU SFB Q3 Outcomes: PAT jumps 26% YoY to Rs 668 crore, NII rises 16%
AU SFB’s web curiosity margin (NIM) within the quarter below assessment elevated by 25 bps QoQ to five.7% versus 5.5% in Q2FY26.
The opposite revenue was up 17% YoY to Rs 724 crore versus Rs 618 crore in Q3FY25 pushed by greater charge revenue and third-party product distribution.
The entire opex excluding exception objects of Rs 1,830 crore grew 27% YoY versus Rs 1,436 crore in Q3FY25. The corporate attributed the rise to greater enterprise volumes, investments in manpower & distribution and advertising/promotional bills.
The lender additionally reported distinctive objects within the quarter passed by, amounting to Rs 20 crore provisioning arising from the implementation of the New Labour Codes.
Additionally Learn: ITC Motels Q3 Outcomes: PAT jumps 77% YoY to Rs 235 crore, income rises 47%
Loans & deposits
The Gross mortgage portfolio (GLP) stood at Rs 1,29,898 crore, registering a YoY progress of 19.3% and QoQ progress of 5.7%. The GLP excluding unsecured companies registered a progress of 23.4% YoY and 6.1% QoQ.The unsecured companies, which type 7% of the corporate’s enterprise, registered a decline of 17% YoY however have began to show round and grew by 1% QoQ led by MFI.
The financial institution’s whole deposits grew 23.3% YoY and 4.5% QoQ to Rs 1,38,415 crore whereas CASA remained steady at 29% as of December 2025 versus 29% in September 2025. CASA deposits grew 16% YoY led by Present deposits progress of 31% YoY to Rs 7,404 crore and financial savings deposits progress of 13% YoY to Rs 32,543 crore.
The financial institution stated that the acquisition of latest CASA accounts is rising at a strong tempo. The month-to-month CASA account opening run-rate reached 1 lakh the primary time in December 2025.
Asset high quality
GNPA declined sequentially to 2.30% versus 2.41% in Q2FY26 and web NPA stood steady at 0.88% with PCR together with technical write-off at 83%.
Administration commentary
Commenting on the efficiency, MD & CEO Sanjay Agarwal stated that the banking sector progress remained resilient this quarter, supported by GST rationalisation and festive demand, even because the deposit atmosphere stayed extremely aggressive.
“Towards this backdrop, we delivered a robust and nicely‑rounded efficiency in Q3 throughout progress, margins, asset high quality and profitability. On the identical time, we’re accelerating the mixing of AI throughout our core operations and reimagining processes to transition to an AI‑native structure—constructed for scale, resilience and inclusion. With our core progress engines firmly in place, and a as soon as‑in‑a‑era alternative to evolve right into a common banking platform, we’re nicely positioned to scale with goal, accountability and lengthy‑time period sustainability,” Agarwal stated.
(Disclaimer: The suggestions, ideas, views, and opinions given by the consultants are their very own. These don’t characterize the views of The Financial Instances.)
