At 11:00 am on Tuesday, several stocks were noted as top gainers within the Nifty Midcap 150 index. Among these were AU Small Finance, Vodafone Idea, Ashok Leyland, NLC India, and Thermax.
AU Small Finance: AU Small Finance shares showed a gain, with the stock trading at Rs 725.55, up 2.76%.
Vodafone Idea: Vodafone Idea also saw a positive movement, trading at Rs 8.58, which is a 2.26% increase.
Ashok Leyland: Ashok Leyland shares were trading higher at Rs 142.34, reflecting a rise of 2.09%.
NLC India: NLC India shares also registered a gain, trading at Rs 269.77, which is also a 2.09% increase.
Thermax: Thermax shares were up, trading at Rs 3,328.00 with a 1.78% increase.
These stocks were identified as top gainers on the Nifty Midcap 150 index during morning trade. According to a Moneycontrol analysis from September 16, 2025, market sentiment is bearish.
AU Small Finance Standalone Quarterly Income Statement:
The following table presents the quarterly income statement (standalone) for AU Small Finance.
| Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | |
|---|---|---|---|---|---|
| Interest Earned | Rs 4,378 Crore | Rs 4,270 Crore | Rs 4,113 Crore | Rs 3,910 Crore | Rs 3,769 Crore |
| Other Income | Rs 810 Crore | Rs 760 Crore | Rs 618 Crore | Rs 637 Crore | Rs 545 Crore |
| Total Income | Rs 5,189 Crore | Rs 5,031 Crore | Rs 4,731 Crore | Rs 4,548 Crore | Rs 4,314 Crore |
| Total Expenditure | Rs 3,876 Crore | Rs 3,739 Crore | Rs 3,526 Crore | Rs 3,416 Crore | Rs 3,326 Crore |
| Operating Profit (incl. Excep Items) | Rs 1,312 Crore | Rs 1,292 Crore | Rs 1,204 Crore | Rs 1,131 Crore | Rs 988 Crore |
| Provisions & Contigencies | Rs 533 Crore | Rs 635 Crore | Rs 501 Crore | Rs 372 Crore | Rs 319 Crore |
| PBT | Rs 778 Crore | Rs 657 Crore | Rs 703 Crore | Rs 758 Crore | Rs 668 Crore |
| Tax | Rs 198 Crore | Rs 153 Crore | Rs 174 Crore | Rs 187 Crore | Rs 166 Crore |
| Net Profit | Rs 580 Crore | Rs 503 Crore | Rs 528 Crore | Rs 571 Crore | Rs 502 Crore |
The Net profit for AU Small finance for June 2025 quarter was Rs 580 crore. The interest earned for June 2025 quarter was Rs 4,378 crore.
Standalone Yearly Income Statement:
The following table presents the yearly income statement (standalone) for AU Small Finance.
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Interest Earned | Rs 16,063 Crore | Rs 10,554 Crore | Rs 8,205 Crore | Rs 5,921 Crore | Rs 4,950 Crore |
| Other Income | Rs 2,526 Crore | Rs 1,745 Crore | Rs 1,034 Crore | Rs 993 Crore | Rs 1,451 Crore |
| Total Income | Rs 18,590 Crore | Rs 12,300 Crore | Rs 9,239 Crore | Rs 6,915 Crore | Rs 6,401 Crore |
| Total Expenditure | Rs 14,009 Crore | Rs 9,862 Crore | Rs 7,220 Crore | Rs 5,100 Crore | Rs 4,243 Crore |
| Operating Profit | Rs 4,580 Crore | Rs 2,438 Crore | Rs 2,019 Crore | Rs 1,815 Crore | Rs 2,158 Crore |
| Provisions & Contigencies | Rs 2,474 Crore | Rs 903 Crore | Rs 154 Crore | Rs 360 Crore | Rs 700 Crore |
| PBT | Rs 2,105 Crore | Rs 1,534 Crore | Rs 1,864 Crore | Rs 1,454 Crore | Rs 1,458 Crore |
| Tax | Rs 0 Crore | Rs 0 Crore | Rs 436 Crore | Rs 324 Crore | Rs 287 Crore |
| Net Profit | Rs 2,106 Crore | Rs 1,535 Crore | Rs 1,428 Crore | Rs 1,130 Crore | Rs 1,171 Crore |
The Net profit for AU Small finance for year ending March 2025 was Rs 2,106 crore. The interest earned for year ending March 2025 was Rs 16,063 crore.
Cash Flow:
The following table presents the cash flow data for AU Small Finance.
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Operating Activities | Rs 5,462 Crore | Rs 2,608 Crore | Rs 5,493 Crore | Rs 6,848 Crore | Rs 5,056 Crore |
| Investing Activities | -Rs 5,931 Crore | -Rs 4,854 Crore | -Rs 4,319 Crore | -Rs 4,753 Crore | -Rs 989 Crore |
| Financing Activities | Rs 2,407 Crore | -Rs 802 Crore | Rs 2,322 Crore | -Rs 948 Crore | -Rs 2,654 Crore |
| Others | Rs 1,151 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore |
| Net Cash Flow | Rs 3,090 Crore | -Rs 3,048 Crore | Rs 3,496 Crore | Rs 1,147 Crore | Rs 1,411 Crore |
Net cash flow from operating activities stood at Rs 5,462 crore for year ending March 2025.
Balance Sheet:
The following table presents the balance sheet data for AU Small Finance.
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Share Capital | Rs 744 Crore | Rs 669 Crore | Rs 666 Crore | Rs 314 Crore | Rs 312 Crore |
| Reserves & Surplus | Rs 16,297 Crore | Rs 11,827 Crore | Rs 10,266 Crore | Rs 7,157 Crore | Rs 5,859 Crore |
| Deposits | Rs 124,268 Crore | Rs 87,182 Crore | Rs 69,364 Crore | Rs 52,584 Crore | Rs 35,979 Crore |
| Borrowings | Rs 11,659 Crore | Rs 5,479 Crore | Rs 6,298 Crore | Rs 5,990 Crore | Rs 7,029 Crore |
| Liabilities & Provisions | Rs 4,750 Crore | Rs 4,204 Crore | Rs 3,575 Crore | Rs 2,988 Crore | Rs 2,307 Crore |
| Total Liabilities | Rs 157,845 Crore | Rs 109,425 Crore | Rs 90,216 Crore | Rs 69,077 Crore | Rs 51,591 Crore |
| Fixed Assets | Rs 912 Crore | Rs 851 Crore | Rs 740 Crore | Rs 622 Crore | Rs 482 Crore |
| Loans & Advances | Rs 107,092 Crore | Rs 73,162 Crore | Rs 58,421 Crore | Rs 46,095 Crore | Rs 34,608 Crore |
| Investments | Rs 37,847 Crore | Rs 27,133 Crore | Rs 20,072 Crore | Rs 15,306 Crore | Rs 10,815 Crore |
| Other Assets | Rs 11,993 Crore | Rs 8,278 Crore | Rs 10,982 Crore | Rs 7,053 Crore | Rs 5,684 Crore |
| Total Assets | Rs 157,845 Crore | Rs 109,425 Crore | Rs 90,216 Crore | Rs 69,077 Crore | Rs 51,591 Crore |
| Capital Adequacy Ratios (%) | Rs 20 Crore | Rs 20 Crore | Rs 23 Crore | Rs 20 Crore | Rs 23 Crore |
| Gross NPA (%) | Rs 2.28 Crore | Rs 1.67 Crore | Rs 1.66 Crore | Rs 2.00 Crore | Rs 4.00 Crore |
| Net NPA (%) | Rs 0.74 Crore | Rs 0.55 Crore | Rs 0.42 Crore | Rs 0.50 Crore | Rs 2.18 Crore |
| Contingent Liabilities | Rs 7,369 Crore | Rs 4,806 Crore | Rs 3,498 Crore | Rs 2,107 Crore | Rs 1,220 Crore |
Total deposits were reported as Rs 124,268 crore for year ending March 2025. Loans and advances stood at Rs 107,092 crore for year ending March 2025.
Key Financial Ratios:
The following table presents some key financial ratios for AU Small Finance.
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Basic EPS (Rs.) | 28.32 | 22.98 | 21.86 | 36.06 | 38.19 |
| Diluted Eps (Rs.) | 28.32 | 22.86 | 21.74 | 36.06 | 37.86 |
| Book Value [Excl. Reval Reserve]/Share (Rs.) | 230.57 | 187.69 | 164.64 | 238.62 | 200.99 |
| Dividend/Share (Rs.) | 1.00 | 1.00 | 1.00 | 0.50 | 0.00 |
| Face Value | 10 | 10 | 10 | 10 | 10 |
| Net Interest Margin (%) | 5.07 | 4.71 | 4.90 | 4.68 | 4.58 |
| Operating Profit Margin (%) | 19.98 | 22.23 | 26.15 | 26.72 | 30.67 |
| Net Profit Margin (%) | 13.10 | 14.54 | 17.40 | 19.07 | 23.64 |
| Return on Networth / Equity (%) | 12.26 | 12.21 | 13.00 | 15.03 | 18.65 |
| ROCE (%) | 2.99 | 2.31 | 2.33 | 2.74 | 4.37 |
| Return On Assets (%) | 1.33 | 1.40 | 1.58 | 1.63 | 2.26 |
| P/E (x) | 18.88 | 24.59 | 26.50 | 17.28 | 16.08 |
| P/B (x) | 2.32 | 3.01 | 3.52 | 5.22 | 6.10 |
| CASA (%) | 29.17 | 33.40 | 38.43 | 37.28 | 23.00 |
| Capital Adequacy Ratios (%) | 20.10 | 20.06 | 23.59 | 20.99 | 23.40 |
The basic EPS for year ending March 2025 was Rs 28.32. The book value per share was Rs 230.57 for year ending March 2025.
Corporate Actions:
AU Small Finance has announced dividends over the past several years. The most recent final dividend was announced on April 22, 2025, with an effective date of July 4, 2025, for Rs.1.00 per share(10%).
AU Small Finance had a bonus issue on Apr 26, 2022, existing ratio was 1 and offered ratio was 1, with exbonus date of 09 Jun, 2022.
Several announcements have been made by AU Small Finance under Regulation 30 (LODR), including a strategic partnership with Zaggle Prepaid Ocean Services Limited and the allotment of equity shares under ESOPs.
Vodafone Idea also saw a positive movement, trading at Rs 8.58, which is a 2.26% increase.
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