AUBANK / Q3-FY26 / claim-ledger

Audit the questions that mattered.

AU Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

Research layer active

ConCallIQ research layer

Signal, with the source still visible.

Use the controls below to narrow the view, then follow the evidence into the next layer of context.

PositiveQ3-FY26 · 2026-01-15Back to quarter ↗

Questions audited

Answered directly

85%

Numeric claims

Consistency

—

Question ledger

What was answered, and how?

Akshay Jain · Autonomous

partial

Margins moving parts, funding mix, credit cost outlook

So there are three broad parts. The first is the improvement in cost of funds... The second is the benefit from CRR cut. And the third is your lower surplus liquidity...

Nitin Aggarwal · Motilal Oswal

direct

Unsecured loan mix and cost-income ratio outlook

I think we want to be around the original guidance that it should be below 60%... ideally, we should be in the range of 56%-57% next year too.

Jayant Kharote · Axis Capital

partial

Loan growth outlook and MBL performance

We want to be around 2.25 to 2.5 times to the nominal GDP... anything around 20%, 22% growth overall, we are targeting...

Kunal Shah · Citigroup

direct

MFI credit cost and ROA trajectory

Our collection efficiency has improved sharply... the large reduction of credit cost happened on account of lower slippages and higher coverage of guarantee...

Speaker 16 (Vivek Jayal) · ICICI Securities

partial

NIM trajectory and product-level profitability

I think we are holding on to yields on the vehicle side... I don't really see yields going down very significantly...

Pritesh Bumb · DAM Capital

direct

MFI provisioning coverage and growth drivers

We provide for only on an uncovered portion... PCR will be a function of where exactly the book is...

Ankit Bihani · Nomura

direct

MFI recovery broad-based and gold loan overlap

The MFI recovery is a very, very broad-based recovery... the overlap between the gold loan and MFI book would be very, very minimal.

Jignesh Shial · Ambit

direct

Margin impact of rate cut and growth strategy

The December rate cut will get passed on over a period of four months... About 30% of your book gets impacted.

Param Subramanian · Investec

direct

OPEX drivers and competitive landscape

There are two drivers. One is the 20% quarter on quarter increase in disbursement... The second component is your headcount and touchpoints...

Bhavik Shah · InCred Capital

partial

Savings rate cuts and credit card portfolio

The below 1 lakh is a very small amount... Further rate, I can't comment as of now...

Piran Engineer · CLSA

direct

MFI credit cost sustainability and CD ratio focus

It's a game of improvement in collection efficiency... it should hold through the cycle... CD ratio is an important one... it's about self-governance.