| Management target | Revenue 32.5% FY27 |
|---|
| Revenue growth | 32.5% YoY growth in Advances; NII up 27.8% YoY. |
|---|---|
| Margins | Yields at 16.2%; NIM expected to stabilize at 7.5-8.0%. |
| Order book | Gross Advances at ₹14,376 Cr. |
| Demand visibility | Strong momentum in Retail Assets and Vikas Loans. |
| Management confidence | High; aiming for consistency and 2x PAT in FY27. |
Growth
PAT grew 113.1% YoY; NII increased 27.8% YoY; Deposits grew 29.4% YoY.
Outlook
Guidance for FY27: Advances and Deposit growth of 30-35%; target ROA of 1.3-1.4%; 100 new branches.
Risks
Asset quality in Vikas Loans shows GNPA at 24.4%; overall GNPA remains elevated at 6.5%.
Last quarter's promises, checked
Delivered
- Guided Q1FY27 ROA 1.2% → delivered 1.3-1.4% (= BEAT)
- Targeted slippages ₹75-90 Cr → delivered ₹74 Cr (= BEAT)
- Guided 2x PAT for FY27 → current Q1 PAT ₹75.2 Cr (+113% YoY) (= BEAT)
Partly delivered
- Targeted cost-to-income below 70% → delivered 73% (inclusive of CGFMU premium) (= PARTIAL)
Missed
- Guided GNPA reduction to 3% → delivered 6.5% (= MISS)
Investor Presentation 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.