Suryoday Small Finance Bank Ltd
Please find attached herewith the Investor Presentation on unaudited financial result for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 23 Jul 2026, 09:16 PM IST · BSE ID: d4806781-d8d5-4774-b3ac-68bc1b9e50ba
View Original BSE Filing (PDF)
💡
In Simple Terms
Suryoday Small Finance Bank reported strong growth in loans and deposits, leading to a significant increase in profits for the June 2026 quarter.
🤖 AI Summary
- Gross Advances grew 32.5% YoY to ₹14,376 Cr in Q1 FY27, with Non-NPA book at ₹13,445 Cr.
- Deposits increased 29.4% YoY to ₹14,634 Cr, with CASA ratio at 21.0%.
- Net Interest Income (NII) rose 27.8% YoY to ₹315.7 Cr for the quarter ended June 30, 2026.
- Profit After Tax (PAT) stood at ₹75.2 Cr, marking a 113.1% YoY increase.
- Asset quality metrics improved with GNPA at 6.5% and NNPA at 1.2% as of June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Gross Advances
₹ 14,376 Cr
32.5% YoY
Deposits
₹ 14,634 Cr
29.4% YoY
Net Interest Income (NII)
₹ 315.7 Cr
27.8% YoY
Profit After Tax (PAT)
₹ 75.2 Cr
113.1% YoY
Gross Non-Performing Assets (GNPA)
6.5%
Net Non-Performing Assets (NNPA)
1.2%
Return on Assets (RoA)
1.6%
Return on Equity (RoE)
14.5%
🏢 How This Affects the Company
The company's core lending business expanded with advances growing by 32.5% YoY, and deposit growth of 29.4% YoY indicates sustained funding capability and customer acquisition. Expansion into new products like MSME loans and secured credit cards diversifies the asset portfolio.
Profit After Tax increased 113.1% YoY to ₹75.2 Cr, driven by a 27.8% YoY rise in Net Interest Income to ₹315.7 Cr and improved asset quality. The Return on Assets (RoA) for Q1 FY27 was 1.6% and Return on Equity (RoE) was 14.5%.
Digital banking initiatives are scaling, with digital deposits comprising 15% of the overall book and Credit on UPI reaching ~20 lakhs pre-qualified customers. The branch network expanded to 718 branches, and employee count is 8,259.
Improved asset quality, with GNPA at 6.5% and NNPA at 1.2%, indicates a reduction in credit risk compared to prior periods, supported by a PCR of 81.8% and CGFMU coverage of ~98% for eligible IF portfolio.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this investor presentation filing.
👤
Who Is Affected
All shareholders are affected as the filing provides an update on the bank's financial performance and strategic direction, reflecting the health of their investment.
🔍
Management Signal
The management's Q1 FY27 investor presentation indicates a focus on sustained growth in advances and deposits, improving asset quality, and expanding digital banking initiatives.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 unaudited financial results — check for sustained growth.
Updates on FY27 guidance, especially GNPA ~3% and NNPA <0.3%.
Further details on digital banking expansion and customer acquisition.
LOW RISK
The filing indicates improving financial metrics and asset quality, suggesting reduced business risk.
💡 Investor Takeaway
Suryoday Small Finance Bank reported Q1 FY27 Net Profit After Tax of ₹75.2 Cr, up 113.1% YoY. Gross Advances grew 32.5% YoY to ₹14,376 Cr, and Deposits increased 29.4% YoY to ₹14,634 Cr, with NNPA at 1.2% as of June 30, 2026.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (PAT) demonstrated substantial growth, increasing 113.1% YoY to ₹75.2 Cr for Q1 FY27.
- Asset quality improved significantly with NNPA reducing to 1.2% in Q1 FY27 from 5.6% in Q1 FY26, supported by 81.8% PCR.
⚠️ Concerns
- Yield on advances decreased to 16.2% in Q1 FY27 from 16.8% in Q1 FY26, a 59 bps YoY reduction.
- Cost of Funds remained stable at 7.5% in Q1 FY27 compared to 7.9% in Q4 FY26, but is higher than 7.2% in Q1 FY26.
📅 Company Track Record
Suryoday SFB's Q1 FY27 net profit of ₹75.2 Cr (₹7,518 Lakhs) shows a significant increase from Q1 FY26. Prior filings for Q1 FY27 noted net profit growth of 113.1% YoY and 112.98% YoY, with advances up 32.5% and improved asset quality. The bank's Board previously met on July 23, 2026, to approve these unaudited results.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Suryoday Small Finance Bank's Gross Advances in Q1 FY27?
Suryoday Small Finance Bank's Gross Advances stood at ₹14,376 Cr in Q1 FY27, representing a 32.5% YoY growth.
What was the Net Profit After Tax for Suryoday Small Finance Bank in Q1 FY27?
The Net Profit After Tax for Suryoday Small Finance Bank in Q1 FY27 was ₹75.2 Cr, a 113.1% increase compared to Q1 FY26.
What are Suryoday Small Finance Bank's asset quality metrics as of June 30, 2026?
As of June 30, 2026, Suryoday Small Finance Bank reported a Gross Non-Performing Asset (GNPA) of 6.5% and a Net Non-Performing Asset (NNPA) of 1.2%.
How much did Suryoday Small Finance Bank's Deposits grow in Q1 FY27?
Suryoday Small Finance Bank's Deposits grew 29.4% YoY to reach ₹14,634 Cr in Q1 FY27.
What was the Cost to Income (CTI) ratio for Suryoday Small Finance Bank in Q1 FY27?
The Cost to Income (CTI) ratio for Suryoday Small Finance Bank was 70.1% in Q1 FY27, compared to 69.4% in Q1 FY26.
Questions based on this BSE filing only. For information purposes.