AU Small Finance Bank: Short-term ratings affirmed, tier II bonds withdrawn

AU Small Finance Bank Limited announced that India Ratings and Research Private Limited has reaffirmed its IND A1+ (A One Plus) rating for Short-term Instruments (Certificate of Deposits). Concurrently, the rating for its Long-term Debt Instrument (Tier II Bond) with ISIN INE949L08418 has been withdrawn, as the instrument has been fully paid.

The bank's certificate of deposits, with a size of INR30 billion, maintained its IND A1+ rating. The Tier II bond, with a size of INR5 billion, was withdrawn consistent with India Ratings’ policy when an instrument has been fully paid.

As of September 2025, AU Small Finance Bank reported total assets of INR1,655,419 million, total equity of INR183,162 million, and a net profit of INR5,609 million for 2QFY26. Its capital adequacy ratio stood at 18.8% (Tier-I: 16.9%), and gross loan portfolio at INR1,228.8 billion. The bank's gross NPA ratio increased to 2.41% in 2QFY26, with a net NPA ratio of 0.88%.