| Margins | Yield improved to 17.3% in Q4; NIM at 7.9%. |
|---|---|
| Demand visibility | Strong momentum in Vikas Loans and Retail Assets. |
| Management confidence | High on MFI turnaround and digital scale-up. |
Growth
FY26 Advances grew 29.4% YoY to ₹13,261 Cr; Deposits rose 32.3% YoY to ₹13,994 Cr. PAT increased 32.2% YoY.
Outlook
FY27 guidance: 30-35% growth in Advances/Deposits; RoA 1.3-1.4%; GNPA target ~3% (CGFMU adjusted). Plans 100 new branches.
Risks
GNPA at 6.5% and NNPA at 4.2% remain high, though CGFMU-adjusted NNPA is lower. Micro-banking slippages are a key monitorable.
Earnings Call filed with NSE, NSE: SURYODAY. Summary written with AI assistance from the document.
Suryoday Small Finance Bank Ltd: key numbers
- Share price
- ₹149.12
- Market cap
- ₹1,585 Cr
- Revenue (annual)
- ₹2,160 Cr
- Net profit (annual)
- ₹152.0 Cr
- P/E (TTM)
- 8.3×Sector 22.0×
- Promoter holding
- 22.48%+0.00% QoQ
- FII holding
- 5.35%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Suryoday Small Finance Bank Ltd
All →Suryoday Small Finance Bank Earnings Call Transcript: Key Takeaways
Suryoday SFB reported Q1FY27 PAT of ₹75.2 Cr (+113.1% YoY) driven by strong growth in the mortgage and vehicle segments, and improved asset quality with NNPA at 1.2%.
- Call
- Guides 32% growth
Suryoday Small Finance Bank Management Change
Suryoday Small Finance Bank has appointed Ms. Geeta Krishnan as the Company Secretary and Compliance Officer, effective September 24, 2026.
Suryoday Small Finance Bank Debt & Borrowing: ₹200 Cr
Suryoday Small Finance Bank's board approved issuing up to Rs. 200 Crore in non-convertible debentures. The board also appointed Ms. Geeta Krishnan as interim Company Secretary.
- Value
- ₹200.0 Cr
- Execution
- Tenure not exceeding 10 years
Suryoday Small Finance Bank Employee Stock Options
Suryoday Small Finance Bank's NRC approved 2,46,026 ESOPs at ₹195.53 per option under the 2019 scheme. No cash transaction occurs at the grant stage.
Suryoday Small Finance Bank Board Meeting Date
Suryoday Small Finance Bank will hold a board meeting on September 21, 2026, to consider raising funds via the issuance of Non-Convertible Debentures.
Suryoday Small Finance Bank Employee Stock Options
Suryoday Small Finance Bank granted 1,59,672 employee stock options to eligible staff under the Suryoday ESOP Scheme-2019. These options are subject to future vesting.