| Management target | Revenue 32.5% FY27 |
|---|
| Revenue growth | Net interest income up 42.8% YoY; advances grew 34.6%. |
|---|---|
| Margins | NIMs flat QoQ at 7.2% despite lower interest reversal impact. |
| Demand visibility | Strong credit demand in retail, mortgage, and CV segments. |
| Management confidence | Confident, focusing on retail asset scale-up and digital banking traction. |
Growth
Gross advances grew 34.6% YoY to ₹14,972 Cr; disbursements rose 27.4%.
Outlook
Management maintains FY27 guidance of 30-35% advances growth and ₹300 Cr PAT.
Risks
Drought in Maharashtra and Karnataka poses potential asset quality lag impact in H2.
Last quarter's promises, checked
Delivered
- Guided advances growth 30-35% → 34.6% YoY (= BEAT, in range)
- Guided C/I ratio 67-70% → 68.7% (= BEAT, in range)
- Guided NIM stable at Q1 level → 7.2% flat QoQ (= BEAT)
Partly delivered
- Guided Tier-2 raise in Q2 (size unstated) → ₹200 Cr raised; another ₹200 Cr due by Q4 (= PARTIAL)
- Guided FY27 PAT ~₹300 Cr → Q net profit ₹76.5 Cr; full-year untested (= 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
- ₹134.73
- Market cap
- ₹1,432 Cr
- Revenue (annual)
- ₹2,160 Cr
- Net profit (annual)
- ₹152.0 Cr
- P/E (TTM)
- 6.0×Sector 19.8×
- 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 Investor Presentation: Key Takeaways
Suryoday SFB reported strong Q2FY27 performance with PAT growing 151.7% YoY. Focus continues on pivoting towards individual loans and retail assets which now comprise 59.2% of the mix.
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).