Suryoday Small Finance Bank Ltd
Please find attached herewith Press Release on the Unaudited Financial Results of the Bank for the Quarter ended June 30, 2026
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 23 Jul 2026, 08:33 PM IST · BSE ID: e72bb670-b6b9-44ae-8c42-c34c4d9c108f
View Original BSE Filing (PDF)
💡
In Simple Terms
Suryoday Small Finance Bank significantly increased its profit in the first quarter of financial year 2027 while growing its loan and deposit books.
🤖 AI Summary
- Suryoday Small Finance Bank reported Q1 FY27 Profit After Tax of Rs. 75.2 Cr, up 113.1% YoY.
- Gross Advances grew 32.5% YoY to Rs. 14,376 Cr as of June 30, 2026.
- Deposits increased 29.4% YoY to Rs. 14,634 Cr, with retail deposits at 87.3% of total.
- Gross Non-Performing Assets (GNPA) stood at 6.5% and Net Non-Performing Assets (NNPA) at 1.2%.
- Pre-provision operating profit rose 27.2% YoY to Rs. 138.6 Cr for Q1 FY27.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax
Rs. 75.2 Cr
113.1%
Gross Advances
Rs. 14,376 Cr
32.5%
Deposits
Rs. 14,634 Cr
29.4%
Pre-provision operating profit
Rs. 138.6 Cr
27.2%
PCR (Excluding Technical Write offs)
81.8%
4,643 bps
🏢 How This Affects the Company
The bank demonstrated growth in its core lending and deposit-taking activities, with Gross Advances reaching Rs. 14,376 Cr and Deposits Rs. 14,634 Cr.
Profit After Tax increased to Rs. 75.2 Cr, supported by a 27.2% YoY rise in Pre-provision Operating Profit to Rs. 138.6 Cr, and improved asset quality metrics.
Collection Efficiency (1 EMI adjusted) improved to 92.5% in Q1 FY27 from 86.4% in Q1 FY26, indicating enhanced operational effectiveness in recoveries.
Asset quality improved significantly, with GNPA Ratio decreasing by 198 bps to 6.5% and NNPA Ratio by 439 bps to 1.2%, reducing credit risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results disclosure.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, as reported by the 113.1% YoY increase in Profit After Tax to Rs. 75.2 Cr.
🔍
Management Signal
Management's focus remains on business expansion, risk management, and achieving sustainable profitability, evidenced by growth in advances and deposits, and asset quality improvement.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check continuation of profitability and asset quality trends.
Updates on Gross Advances and Deposit growth in the next quarter.
Further details on the CGFMU scheme's impact on receivables.
MEDIUM RISK
While asset quality improved, the GNPA ratio of 6.5% still represents a segment to monitor.
💡 Investor Takeaway
Suryoday Small Finance Bank reported Q1 FY27 Profit After Tax of Rs. 75.2 Cr, a 113.1% YoY increase. Gross Advances grew 32.5% YoY to Rs. 14,376 Cr. Asset quality improved, with NNPA at 1.2% and PCR at 81.8%.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax increased by 113.1% YoY to Rs. 75.2 Cr in Q1 FY27, reflecting strong earnings growth.
- Asset quality showed improvement, with NNPA Ratio decreasing by 439 bps YoY to 1.2% in Q1 FY27.
⚠️ Concerns
- Cost to income ratio saw a slight increase of 72 bps YoY to 70.1% in Q1 FY27.
- CASA Ratio decreased by 160 bps QoQ to 21.0% from 22.6% in Q4 FY26.
📅 Company Track Record
Suryoday SFB's Q1 FY27 net profit of Rs. 75.2 Cr follows previous filings that indicated a Q1 FY27 net profit rise of 112.98% YoY to Rs. 7,518 Lakhs. The bank also previously corrected its Q4/FY26 investor presentation, indicating FY26 Pre-POP ₹384.1 Cr and ROA 0.9%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Suryoday Small Finance Bank's Profit After Tax in Q1 FY27?
Suryoday Small Finance Bank reported a Profit After Tax of Rs. 75.2 Cr in Q1 FY27, which is a 113.1% increase compared to Rs. 35.3 Cr in Q1 FY26.
How much did Suryoday SFB's Gross Advances grow in Q1 FY27?
Gross Advances for Suryoday SFB stood at Rs. 14,376 Cr as on June 30, 2026, an increase of 32.5% year-on-year from Rs. 10,846 Cr as on June 30, 2025.
What were the Deposits of Suryoday Small Finance Bank in Q1 FY27?
Deposits for Suryoday SFB were Rs. 14,634 Cr as on June 30, 2026, marking a 29.4% year-on-year increase from Rs. 11,312 Cr as on June 30, 2025.
What are the asset quality metrics for Suryoday SFB in Q1 FY27?
As of June 30, 2026, Suryoday SFB's Gross Non-Performing Asset (GNPA) Ratio was 6.5% and Net Non-Performing Asset (NNPA) Ratio was 1.2%. The Provision Coverage Ratio (PCR) stood at 81.8%.
What was the Pre-provision operating profit (PPOP) for Suryoday SFB in Q1 FY27?
The Pre-provision operating profit (PPOP) for Suryoday SFB in Q1 FY27 was Rs. 138.6 Cr, which represents a 27.2% year-on-year increase from Rs. 108.9 Cr in Q1 FY26.
Questions based on this BSE filing only. For information purposes.