| Management target | Revenue 32.5% FY27 |
|---|
| Revenue growth | 32.5% YoY Gross Advances growth. |
|---|---|
| Margins | NIM at 7.2%; expected to stabilize at 7.5-8.0%. |
| Demand visibility | High in Retail Assets (Mortgage and CV). |
| Management confidence | Strong; emphasizing 'Year of Building Momentum and Consistency'. |
Growth
Gross Advances grew 32.5% YoY to ₹14,376 Cr; Deposits increased 29.4% YoY to ₹14,634 Cr; NII rose 27.8% YoY.
Outlook
FY27 guidance targets 30-35% growth in advances and deposits, with RoA target of 1.3%-1.4%. Plans to add 100 branches.
Risks
Higher cost to income ratio at 70.1% and potential concentration in unsecured micro-banking segments.
Last quarter's promises, checked
Delivered
- ROA 1.6% target (implied) → achieved 1.6% ROA (= BEAT)
- Receiving large CGFMU claim → received ₹386 Cr (= BEAT)
- Shift toward individual loans → 80% of IF monthly onboarding (= BEAT)
Partly delivered
- CASA ratio maintenance → stood at 21% (= PARTIAL)
- Reducing JLG exposure → ongoing transition, but still significant segment (= PARTIAL)
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 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.
Suryoday Small Finance Bank Investor Presentation: Key Takeaways
Suryoday SFB reported Q1FY27 results with Gross Advances at INR 14,376 Cr (32.5% YoY growth) and Deposits at INR 14,634 Cr (29.4% YoY). Strategy focuses on shifting from JLG to individual Vikas loans and scaling secured retail assets.
- Call
- Guides 30% growth