| Revenue growth | Gross advances grew 32.5% YoY; deposits grew 29.4% YoY. |
|---|---|
| Margins | NIMs expected to remain stable; cost of funds around 7.5%. |
| Demand visibility | Strong credit demand; bank expects credit growth to outpace deposits. |
| Management confidence | Confident, highlighting strategic shift from JLG to individual loans. |
Growth
Gross advances grew 32.5% YoY; retail deposits reached 87.3% of total base, showing improved granularity.
Outlook
Management targets 1.3%-1.4% ROA for FY27, aiming for 1.8%-1.9% by Q4 FY27.
Risks
High exposure to microfinance remains sensitive to rural inflation and credit cycles; slippages in mortgages need monitoring.
Last quarter's promises, checked
Delivered
- Guided 1.2% ROA for Q1 FY27 → delivered 1.3%-1.4% (= BEAT)
- Guided slippages ₹75-₹90Cr/qtr → delivered ₹74Cr in MFI (= BEAT)
- Guided 30% growth in advances → delivered 32.5% YoY (= BEAT)
Partly delivered
- Guided CGFMU claim ₹450-₹550Cr → delivered ₹387Cr received (= PARTIAL)
Missed
- Guided deposit growth to align with advances → delivered 29.4% vs 32.5% (= MISS)
Earnings Call Transcript 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.