| Revenue growth | NII grew 42.8% YoY in Q2FY27. |
|---|---|
| Margins | Yield improved to 16.8%; NIM steady at 7.2%. |
| Demand visibility | Strong growth in CV (55%) and Mortgage (45%) segments. |
| Management confidence | High; labeled FY27 as 'Year of Building Momentum & Consistency'. |
Growth
Gross advances grew 34.6% YoY to ₹14,972 Cr; NII rose 42.8% YoY to ₹368.8 Cr.
Outlook
Management guides for 30-35% growth in advances and deposits for FY27, targeting RoA of 1.3%-1.4%.
Risks
CASA ratio moderated to 19.4% from 20.7% YoY. GNPA remains at 2.9% despite significant write-offs.
Last quarter's promises, checked
Delivered
- Guided 30-35% Advance Growth → Delivered 34.6% (= BEAT)
- Guided 1.3-1.4% RoA → Delivered 1.4%+ implied by 151% PAT growth (= BEAT)
- Guided 13-14% RoE → Delivered 13-14% range (= BEAT)
Partly delivered
- Guided 67-70% Cost/Income → Delivered 70.6% (= PARTIAL)
Missed
- Guided 21% CASA Ratio → Delivered 19.4% (= 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
- ₹133.12
- Market cap
- ₹1,415 Cr
- Revenue (annual)
- ₹2,160 Cr
- Net profit (annual)
- ₹152.0 Cr
- P/E (TTM)
- 6.0×Sector 19.1×
- Promoter holding
- 22.48%+0.00% QoQ
- FII holding
- 4.70%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 announced that Mr. Ranjit Jayant Shah, Non-Executive Non-Independent Director, will cease to hold office effective November 2, 2026, upon tenure completion.
Suryoday Small Finance Bank Results Update
Suryoday Small Finance Bank released a press release on its unaudited Q2 and H1 FY27 results. The release highlights profit after tax of Rs.151.7 Cr for H1 FY27, up 131% year on year.
Suryoday Small Finance Bank Q2 FY27 Results: Net Profit ₹76.5 Cr, Up 151.6% YoY
Suryoday Small Finance Bank Ltd reported revenue from operations of ₹702.9 Cr (+35.3% YoY) and net profit of ₹76.5 Cr (+151.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹76.5 Cr · +151.6% YoY
Suryoday Small Finance Bank Debt & Borrowing: ₹100 Cr
Suryoday Small Finance Bank's board approved the issuance of up to Rs. 100 Crore in unsecured, subordinated Lower Tier II Non-Convertible Debentures.
- Value
- ₹100.0 Cr
Suryoday Small Finance Bank Other Announcement
Suryoday Small Finance Bank Ltd filed its quarterly shareholding pattern report. This is a standard regulatory compliance filing under Regulation 31(1)(b).
Suryoday Small Finance Bank Board Meeting Date
Suryoday Small Finance Bank has scheduled a board meeting for October 22, 2026, to consider raising funds through the issuance of Non-Convertible Debentures.