Suryoday Small Finance Bank Ltd.

•

₹ 158.842.78%

2026-08-21

suryoday.bank.in/BSE: 543279NSE: SURYODAY

Market Cap₹ 1,610 Cr.

Current Price₹ 155

High / Low₹ 218 / 115

Stock P/E0.0

Book Value₹ 202

Price to Book0.61

Dividend Yield0.99 %

ROCE7.7 %

ROE7.6 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 81.9% • Treasury: 10.6% • Corporate: 5.7% • Other Banking Operations: 1.8%

PROS

Company has delivered good profit growth of 66.6% CAGR over last 5 years
Comfortable capital adequacy - CAR of 20.4%
Latest quarter profit grew 113.1% YoY, showing strong momentum
Healthy loan book growth of 29.1% with stable asset quality
Strong provisioning - provision coverage ratio of 81.8%
Company has delivered good sales growth of 22.7% CAGR over last 5 years

CONS

Net NPA is elevated at 4.2% - provisioning cushion is thin
Asset quality is weak - gross NPA at 6.5%
A large part of profit comes from other income (180.2% of PBT)
Operating margins have contracted to 17.8% from 28.5%
Growth is decelerating - 3Y profit CAGR (25.1%) trails the 5Y trend (66.6%)
Though reporting repeated profits, the company pays out little dividend (10.5%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesBankBank - Private

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	HDFCBANK	720.15	14.05	1109831.87	2.15	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1401.80	17.94	1006008.51	0.86	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	392.05	19.21	389986.67	0.17	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1232.35	13.81	383618.90	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	FEDERALBNK	359.45	18.97	88849.29	0.33	1297.61	37.06	7861.58	9.94	10.98	66.11
6.	IDBI	80.72	9.31	86793.39	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
7.	AUBANK	1071.30	44.12	80340.09	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	1011.95	59.63	78845.13	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	85.20	31.87	73452.79	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.71	18.88	71281.66	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	381.00	65.69	59059.12	0.26	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	SURYODAY	151.50	0.00	1610.39	0.99	75.18	113.10	622.36	25.69	7.72	41.88

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	358	375	411	445	488	507	488	471	495	520	544	602	622
Interest Expended	133	154	165	174	195	207	220	226	248	261	267	285	307
Net Interest Income	225	221	246	271	293	300	268	245	247	258	277	317	316
	51	52	52	65	70	47	40	60	109	80	81	90	148
Total Income	0	0	0	0	0	0	0	0	0	0	0	692	770
Operating Expenses	159	178	183	207	219	221	236	258	247	259	269	300	325
Operating Profit	117	94	114	128	144	127	71	47	109	79	89	107	139
Provisions & Contingencies	54	27	38	48	52	67	34	93	62	40	41	41	37
Profit before Tax	63	68	76	80	93	60	38	-47	47	39	48	66	102
Tax %	24.94%	25.68%	25.01%	24.11%	24.44%	24.54%	11.76%	27.79%	24.66%	22.62%	23.50%	24.27%	26.22%
Net Profit	48	50	57	61	70	45	33	-34	35	30	37	50	75
EPS	4	5	5	6	7	4	3	-3	3	3	3	5	1
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.55%	6.60%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%	1.27%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.30%	81.80%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.90%	7.20%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.60%	21.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.45%	20.03%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%	0.38%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.55%	6.60%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%	1.27%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.30%	81.80%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.90%	7.20%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.60%	21.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.45%	20.03%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%	0.38%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Jun 2023

: 358
Interest Expended: 133
Net Interest Income: 225
: 51
Total Income: 0
Operating Expenses: 159
Operating Profit: 117
Provisions & Contingencies: 54
Profit before Tax: 63
Tax %: 24.94%
Net Profit: 48
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2023

: 375
Interest Expended: 154
Net Interest Income: 221
: 52
Total Income: 0
Operating Expenses: 178
Operating Profit: 94
Provisions & Contingencies: 27
Profit before Tax: 68
Tax %: 25.68%
Net Profit: 50
EPS: 5
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2023

: 411
Interest Expended: 165
Net Interest Income: 246
: 52
Total Income: 0
Operating Expenses: 183
Operating Profit: 114
Provisions & Contingencies: 38
Profit before Tax: 76
Tax %: 25.01%
Net Profit: 57
EPS: 5
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2024

: 445
Interest Expended: 174
Net Interest Income: 271
: 65
Total Income: 0
Operating Expenses: 207
Operating Profit: 128
Provisions & Contingencies: 48
Profit before Tax: 80
Tax %: 24.11%
Net Profit: 61
EPS: 6
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2024

: 488
Interest Expended: 195
Net Interest Income: 293
: 70
Total Income: 0
Operating Expenses: 219
Operating Profit: 144
Provisions & Contingencies: 52
Profit before Tax: 93
Tax %: 24.44%
Net Profit: 70
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2024

: 507
Interest Expended: 207
Net Interest Income: 300
: 47
Total Income: 0
Operating Expenses: 221
Operating Profit: 127
Provisions & Contingencies: 67
Profit before Tax: 60
Tax %: 24.54%
Net Profit: 45
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2024

: 488
Interest Expended: 220
Net Interest Income: 268
: 40
Total Income: 0
Operating Expenses: 236
Operating Profit: 71
Provisions & Contingencies: 34
Profit before Tax: 38
Tax %: 11.76%
Net Profit: 33
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2025

: 471
Interest Expended: 226
Net Interest Income: 245
: 60
Total Income: 0
Operating Expenses: 258
Operating Profit: 47
Provisions & Contingencies: 93
Profit before Tax: -47
Tax %: 27.79%
Net Profit: -34
EPS: -3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2025

: 495
Interest Expended: 248
Net Interest Income: 247
: 109
Total Income: 0
Operating Expenses: 247
Operating Profit: 109
Provisions & Contingencies: 62
Profit before Tax: 47
Tax %: 24.66%
Net Profit: 35
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2025

: 520
Interest Expended: 261
Net Interest Income: 258
: 80
Total Income: 0
Operating Expenses: 259
Operating Profit: 79
Provisions & Contingencies: 40
Profit before Tax: 39
Tax %: 22.62%
Net Profit: 30
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2025

: 544
Interest Expended: 267
Net Interest Income: 277
: 81
Total Income: 0
Operating Expenses: 269
Operating Profit: 89
Provisions & Contingencies: 41
Profit before Tax: 48
Tax %: 23.50%
Net Profit: 37
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2026

: 602
Interest Expended: 285
Net Interest Income: 317
: 90
Total Income: 692
Operating Expenses: 300
Operating Profit: 107
Provisions & Contingencies: 41
Profit before Tax: 66
Tax %: 24.27%
Net Profit: 50
EPS: 5
Gross NPA %: 6.55%
Net NPA %: 4.21%
Provision Coverage %: 37.30%
NIM %: 7.90%
CASA %: 22.60%
Capital Adequacy %: 20.45%
Return on Assets %: 0.27%
Branches / ATMs / Employees: —
Gross NPA %: 6.55%
Net NPA %: 4.21%
Provision Coverage %: 37.30%
NIM %: 7.90%
CASA %: 22.60%
Capital Adequacy %: 20.45%
Return on Assets %: 0.27%
Branches / ATMs / Employees: —

Jun 2026

: 622
Interest Expended: 307
Net Interest Income: 316
: 148
Total Income: 770
Operating Expenses: 325
Operating Profit: 139
Provisions & Contingencies: 37
Profit before Tax: 102
Tax %: 26.22%
Net Profit: 75
EPS: 1
Gross NPA %: 6.60%
Net NPA %: 1.27%
Provision Coverage %: 81.80%
NIM %: 7.20%
CASA %: 21.00%
Capital Adequacy %: 20.03%
Return on Assets %: 0.38%
Branches / ATMs / Employees: —
Gross NPA %: 6.60%
Net NPA %: 1.27%
Provision Coverage %: 81.80%
NIM %: 7.20%
CASA %: 21.00%
Capital Adequacy %: 20.03%
Return on Assets %: 0.38%
Branches / ATMs / Employees: —

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	1,589	1,954	2,160	—
Interest Expended	115	123	191	276	366	357	437	626	848	1,062	1,120
Net Interest Income	-115	-123	-191	-276	-366	-357	-437	962	1,106	1,099	—
	1	38	67	87	76	94	97	219	217	360	399
Total Income	0	0	0	0	0	0	0	1,808	2,171	2,520	1,462
	0	0	0	0	0	0	0	728	934	1,074	—
Operating Profit	-115	-123	-191	-276	-366	-357	-437	454	389	384	—
	6	52	45	65	165	326	285	166	245	184	—
Profit before Tax	24	16	138	154	12	-127	101	288	144	200	255
Tax %	0	0	0	0	0	0	0	25	20	24	25
Net Profit	15	10	87	111	12	-93	78	216	115	152	192
EPS	3	2	13	13	1	-9	7	20	11	14	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

Mar 2017

: 0
Interest Expended: 115
Net Interest Income: -115
: 1
Total Income: 0
: 0
Operating Profit: -115
: 6
Profit before Tax: 24
Tax %: 0
Net Profit: 15
EPS: 3
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2018

: 0
Interest Expended: 123
Net Interest Income: -123
: 38
Total Income: 0
: 0
Operating Profit: -123
: 52
Profit before Tax: 16
Tax %: 0
Net Profit: 10
EPS: 2
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2019

: 0
Interest Expended: 191
Net Interest Income: -191
: 67
Total Income: 0
: 0
Operating Profit: -191
: 45
Profit before Tax: 138
Tax %: 0
Net Profit: 87
EPS: 13
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2020

: 0
Interest Expended: 276
Net Interest Income: -276
: 87
Total Income: 0
: 0
Operating Profit: -276
: 65
Profit before Tax: 154
Tax %: 0
Net Profit: 111
EPS: 13
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2021

: 0
Interest Expended: 366
Net Interest Income: -366
: 76
Total Income: 0
: 0
Operating Profit: -366
: 165
Profit before Tax: 12
Tax %: 0
Net Profit: 12
EPS: 1
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2022

: 0
Interest Expended: 357
Net Interest Income: -357
: 94
Total Income: 0
: 0
Operating Profit: -357
: 326
Profit before Tax: -127
Tax %: 0
Net Profit: -93
EPS: -9
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2023

: 0
Interest Expended: 437
Net Interest Income: -437
: 97
Total Income: 0
: 0
Operating Profit: -437
: 285
Profit before Tax: 101
Tax %: 0
Net Profit: 78
EPS: 7
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2024

: 1,589
Interest Expended: 626
Net Interest Income: 962
: 219
Total Income: 1,808
: 728
Operating Profit: 454
: 166
Profit before Tax: 288
Tax %: 25
Net Profit: 216
EPS: 20
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2025

: 1,954
Interest Expended: 848
Net Interest Income: 1,106
: 217
Total Income: 2,171
: 934
Operating Profit: 389
: 245
Profit before Tax: 144
Tax %: 20
Net Profit: 115
EPS: 11
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2026

: 2,160
Interest Expended: 1,062
Net Interest Income: 1,099
: 360
Total Income: 2,520
: 1,074
Operating Profit: 384
: 184
Profit before Tax: 200
Tax %: 24
Net Profit: 152
EPS: 14
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 1,120
Net Interest Income: —
: 399
Total Income: 1,462
: —
Operating Profit: —
: —
Profit before Tax: 255
Tax %: 25
Net Profit: 192
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

COMPOUNDED SALES GROWTH

10 Years:: 27%
5 Years:: 23%
3 Years:: 22%

COMPOUNDED PROFIT GROWTH

10 Years:: 19%
5 Years:: 67%
3 Years:: 25%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 1%
3 Years:: -5%
1 Year:: 21%

RETURN ON EQUITY

10 Years:: 6%
5 Years:: 5%
3 Years:: 9%
Last Year:: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	64	67	82	87	106	106	106	106	106	106
	436	469	794	973	1,481	1,390	1,470	1,689	1,809	1,962
	22	750	1,593	2,849	3,256	3,854	5,167	7,777	10,580	13,994
	1,022	718	1,124	1,265	1,667	2,551	2,765	2,443	2,710	3,122
Other Liabilities & Provisions	60	156	163	185	193	270	344	352	397	689
Total Liabilities	1,604	2,164	3,761	5,365	6,712	8,180	9,861	1	2	19,884
ASSETS	-	-	-	-	-	-	-	-	-	-
	27	31	48	61	103	607	784	814	1,466	1,714
Balances with Banks & Money at Call	107	176	228	777	494	370	41	366	243	385
	594	311	664	808	1,874	2,058	2,570	2,599	3,137	3,693
	820	1,575	2,680	3,532	3,983	4,751	6,015	8,078	9,974	12,879
	6	13	18	30	35	66	163	152	156	293
	49	57	122	148	216	279	286	352	503	916
Total Assets	1,604	2,164	3,761	5,365	6,712	8,180	9,861	1	2	19,884
CASA Deposits	2	68	133	267	395	628	692	919	1,380	2,165
CASA Ratio (%)	7.39	9.08	8.36	9.39	12.14	16.30	13.40	11.82	13.04	15.47
Credit-Deposit Ratio (%)	3715.12	210.13	168.17	123.98	122.33	123.28	116.42	103.87	94.28	92.03
Contingent Liabilities	9	8	29	5	5	4	22	4	21	5
Bills for Collection	0	0	0	0	0	0	0	0	0	0
Book Value per Share	77.98	79.46	107.38	122.31	149.51	140.91	148.45	169.01	180.19	194.58
CASA Deposits	2	68	133	267	395	628	692	919	1,380	2,165
CASA Ratio (%)	7.39	9.08	8.36	9.39	12.14	16.30	13.40	11.82	13.04	15.47
Credit-Deposit Ratio (%)	3715.12	210.13	168.17	123.98	122.33	123.28	116.42	103.87	94.28	92.03
Contingent Liabilities	9	8	29	5	5	4	22	4	21	5
Bills for Collection	0	0	0	0	0	0	0	0	0	0
Book Value per Share	77.98	79.46	107.38	122.31	149.51	140.91	148.45	169.01	180.19	194.58

Mar 2017

Equity Capital: 64
: 436
: 22
: 1,022
Other Liabilities & Provisions: 60
Total Liabilities: 1,604
: 27
Balances with Banks & Money at Call: 107
: 594
: 820
: 6
: 49
Total Assets: 1,604
CASA Deposits: 2
CASA Ratio (%): 7.39
Credit-Deposit Ratio (%): 3715.12
Contingent Liabilities: 9
Bills for Collection: 0
Book Value per Share: 77.98
CASA Deposits: 2
CASA Ratio (%): 7.39
Credit-Deposit Ratio (%): 3715.12
Contingent Liabilities: 9
Bills for Collection: 0
Book Value per Share: 77.98

Mar 2018

Equity Capital: 67
: 469
: 750
: 718
Other Liabilities & Provisions: 156
Total Liabilities: 2,164
: 31
Balances with Banks & Money at Call: 176
: 311
: 1,575
: 13
: 57
Total Assets: 2,164
CASA Deposits: 68
CASA Ratio (%): 9.08
Credit-Deposit Ratio (%): 210.13
Contingent Liabilities: 8
Bills for Collection: 0
Book Value per Share: 79.46
CASA Deposits: 68
CASA Ratio (%): 9.08
Credit-Deposit Ratio (%): 210.13
Contingent Liabilities: 8
Bills for Collection: 0
Book Value per Share: 79.46

Mar 2019

Equity Capital: 82
: 794
: 1,593
: 1,124
Other Liabilities & Provisions: 163
Total Liabilities: 3,761
: 48
Balances with Banks & Money at Call: 228
: 664
: 2,680
: 18
: 122
Total Assets: 3,761
CASA Deposits: 133
CASA Ratio (%): 8.36
Credit-Deposit Ratio (%): 168.17
Contingent Liabilities: 29
Bills for Collection: 0
Book Value per Share: 107.38
CASA Deposits: 133
CASA Ratio (%): 8.36
Credit-Deposit Ratio (%): 168.17
Contingent Liabilities: 29
Bills for Collection: 0
Book Value per Share: 107.38

Mar 2020

Equity Capital: 87
: 973
: 2,849
: 1,265
Other Liabilities & Provisions: 185
Total Liabilities: 5,365
: 61
Balances with Banks & Money at Call: 777
: 808
: 3,532
: 30
: 148
Total Assets: 5,365
CASA Deposits: 267
CASA Ratio (%): 9.39
Credit-Deposit Ratio (%): 123.98
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 122.31
CASA Deposits: 267
CASA Ratio (%): 9.39
Credit-Deposit Ratio (%): 123.98
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 122.31

Mar 2021

Equity Capital: 106
: 1,481
: 3,256
: 1,667
Other Liabilities & Provisions: 193
Total Liabilities: 6,712
: 103
Balances with Banks & Money at Call: 494
: 1,874
: 3,983
: 35
: 216
Total Assets: 6,712
CASA Deposits: 395
CASA Ratio (%): 12.14
Credit-Deposit Ratio (%): 122.33
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 149.51
CASA Deposits: 395
CASA Ratio (%): 12.14
Credit-Deposit Ratio (%): 122.33
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 149.51

Mar 2022

Equity Capital: 106
: 1,390
: 3,854
: 2,551
Other Liabilities & Provisions: 270
Total Liabilities: 8,180
: 607
Balances with Banks & Money at Call: 370
: 2,058
: 4,751
: 66
: 279
Total Assets: 8,180
CASA Deposits: 628
CASA Ratio (%): 16.30
Credit-Deposit Ratio (%): 123.28
Contingent Liabilities: 4
Bills for Collection: 0
Book Value per Share: 140.91
CASA Deposits: 628
CASA Ratio (%): 16.30
Credit-Deposit Ratio (%): 123.28
Contingent Liabilities: 4
Bills for Collection: 0
Book Value per Share: 140.91

Mar 2023

Equity Capital: 106
: 1,470
: 5,167
: 2,765
Other Liabilities & Provisions: 344
Total Liabilities: 9,861
: 784
Balances with Banks & Money at Call: 41
: 2,570
: 6,015
: 163
: 286
Total Assets: 9,861
CASA Deposits: 692
CASA Ratio (%): 13.40
Credit-Deposit Ratio (%): 116.42
Contingent Liabilities: 22
Bills for Collection: 0
Book Value per Share: 148.45
CASA Deposits: 692
CASA Ratio (%): 13.40
Credit-Deposit Ratio (%): 116.42
Contingent Liabilities: 22
Bills for Collection: 0
Book Value per Share: 148.45

Mar 2024

Equity Capital: 106
: 1,689
: 7,777
: 2,443
Other Liabilities & Provisions: 352
Total Liabilities: 1
: 814
Balances with Banks & Money at Call: 366
: 2,599
: 8,078
: 152
: 352
Total Assets: 1
CASA Deposits: 919
CASA Ratio (%): 11.82
Credit-Deposit Ratio (%): 103.87
Contingent Liabilities: 4
Bills for Collection: 0
Book Value per Share: 169.01
CASA Deposits: 919
CASA Ratio (%): 11.82
Credit-Deposit Ratio (%): 103.87
Contingent Liabilities: 4
Bills for Collection: 0
Book Value per Share: 169.01

Mar 2025

Equity Capital: 106
: 1,809
: 10,580
: 2,710
Other Liabilities & Provisions: 397
Total Liabilities: 2
: 1,466
Balances with Banks & Money at Call: 243
: 3,137
: 9,974
: 156
: 503
Total Assets: 2
CASA Deposits: 1,380
CASA Ratio (%): 13.04
Credit-Deposit Ratio (%): 94.28
Contingent Liabilities: 21
Bills for Collection: 0
Book Value per Share: 180.19
CASA Deposits: 1,380
CASA Ratio (%): 13.04
Credit-Deposit Ratio (%): 94.28
Contingent Liabilities: 21
Bills for Collection: 0
Book Value per Share: 180.19

Mar 2026

Equity Capital: 106
: 1,962
: 13,994
: 3,122
Other Liabilities & Provisions: 689
Total Liabilities: 19,884
: 1,714
Balances with Banks & Money at Call: 385
: 3,693
: 12,879
: 293
: 916
Total Assets: 19,884
CASA Deposits: 2,165
CASA Ratio (%): 15.47
Credit-Deposit Ratio (%): 92.03
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 194.58
CASA Deposits: 2,165
CASA Ratio (%): 15.47
Credit-Deposit Ratio (%): 92.03
Contingent Liabilities: 5
Bills for Collection: 0
Book Value per Share: 194.58

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-231	458	-548	526	-876	-347	-98	935	1,320	652
Cash from Investing	-158	-84	-14	-167	-280	-158	-266	-263	-1,059	-792
Cash from Financing	350	-285	658	210	915	885	213	-322	268	412
	-39	88	97	569	-241	381	-150	349	529	273

Mar 2017

: -231
Cash from Investing: -158
Cash from Financing: 350
: -39

Mar 2018

: 458
Cash from Investing: -84
Cash from Financing: -285
: 88

Mar 2019

: -548
Cash from Investing: -14
Cash from Financing: 658
: 97

Mar 2020

: 526
Cash from Investing: -167
Cash from Financing: 210
: 569

Mar 2021

: -876
Cash from Investing: -280
Cash from Financing: 915
: -241

Mar 2022

: -347
Cash from Investing: -158
Cash from Financing: 885
: 381

Mar 2023

: -98
Cash from Investing: -266
Cash from Financing: 213
: -150

Mar 2024

: 935
Cash from Investing: -263
Cash from Financing: -322
: 349

Mar 2025

: 1,320
Cash from Investing: -1,059
Cash from Financing: 268
: 529

Mar 2026

: 652
Cash from Investing: -792
Cash from Financing: 412
: 273

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	2.36	1.50	10.61	12.81	1.12	-8.76	7.32	20.34	10.82	14.30
Book Value (₹)	77.98	79.46	107.38	122.31	149.51	140.91	148.45	169.01	180.19	194.58
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.50
PROFITABILITY	-	-	-	-	-	-	-	-	-	-
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.12%	7.46%	5.88%
ROA %	1.08%	0.54%	2.92%	2.43%	0.20%	-1.25%	0.86%	1.94%	0.82%	0.86%
ROE %	4.34%	1.95%	12.26%	11.47%	0.90%	-6.04%	5.06%	12.81%	6.20%	7.63%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	61.61%	70.59%	73.67%
ASSET QUALITY	-	-	-	-	-	-	-	-	-	-
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.55%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.30%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY	-	-	-	-	-	-	-	-	-	-
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.13%	20.91%	22.60%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.31%	0.26%	0.22%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	28.41%	25.83%	20.45%
GROWTH & VALUATION	-	-	-	-	-	-	-	-	-	-
Net Profit Growth %	-44.98%	-32.95%	755.27%	28.10%	-89.31%	-884.72%	183.51%	177.97%	-46.77%	32.19%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.85%	6.62%	7.99%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	7.92x	9.28x	8.31x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.95x	0.56x	0.61x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.26%

Mar 2017

EPS (₹): 2.36
Book Value (₹): 77.98
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 1.08%
ROE %: 4.34%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -44.98%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2018

EPS (₹): 1.50
Book Value (₹): 79.46
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.54%
ROE %: 1.95%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -32.95%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2019

EPS (₹): 10.61
Book Value (₹): 107.38
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 2.92%
ROE %: 12.26%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 755.27%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2020

EPS (₹): 12.81
Book Value (₹): 122.31
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 2.43%
ROE %: 11.47%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 28.10%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2021

EPS (₹): 1.12
Book Value (₹): 149.51
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.20%
ROE %: 0.90%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -89.31%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): -8.76
Book Value (₹): 140.91
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -1.25%
ROE %: -6.04%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -884.72%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2023

EPS (₹): 7.32
Book Value (₹): 148.45
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.86%
ROE %: 5.06%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 183.51%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2024

EPS (₹): 20.34
Book Value (₹): 169.01
Dividend per Share (₹): 0.00
Net Interest Margin %: 8.12%
ROA %: 1.94%
ROE %: 12.81%
: 61.61%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 20.13%
Credit-Deposit Ratio %: 0.31%
: 28.41%
Net Profit Growth %: 177.97%
Book Value Growth %: 13.85%
P/E (x): 7.92x
P/B (x): 0.95x
: 0.00%

Mar 2025

EPS (₹): 10.82
Book Value (₹): 180.19
Dividend per Share (₹): 0.00
Net Interest Margin %: 7.46%
ROA %: 0.82%
ROE %: 6.20%
: 70.59%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 20.91%
Credit-Deposit Ratio %: 0.26%
: 25.83%
Net Profit Growth %: -46.77%
Book Value Growth %: 6.62%
P/E (x): 9.28x
P/B (x): 0.56x
: 0.00%

Mar 2026

EPS (₹): 14.30
Book Value (₹): 194.58
Dividend per Share (₹): 1.50
Net Interest Margin %: 5.88%
ROA %: 0.86%
ROE %: 7.63%
: 73.67%
Gross NPA %: 6.55%
Net NPA %: 4.21%
Provision Coverage %: 37.30%
Slippage Ratio %: —
CASA %: 22.60%
Credit-Deposit Ratio %: 0.22%
: 20.45%
Net Profit Growth %: 32.19%
Book Value Growth %: 7.99%
P/E (x): 8.31x
P/B (x): 0.61x
: 1.26%

Shareholding Pattern

Numbers in percentages

TRADES

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	22.39	22.30	22.30	22.44	22.44	22.44	22.44	22.48	22.48
	3.02	3.50	4.80	4.67	4.68	4.67	4.97	5.23	5.35
	12.64	8.01	5.89	5.66	5.93	6.62	6.11	5.72	5.47
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	61.95	66.19	67.01	67.23	66.96	66.28	66.49	66.57	66.70

Jun 2024

: 22.39
: 3.02
: 12.64
Government: 0.00
: 61.95

Sep 2024

: 22.30
: 3.50
: 8.01
Government: 0.00
: 66.19

Dec 2024

: 22.30
: 4.80
: 5.89
Government: 0.00
: 67.01

Mar 2025

: 22.44
: 4.67
: 5.66
Government: 0.00
: 67.23

Jun 2025

: 22.44
: 4.68
: 5.93
Government: 0.00
: 66.96

Sep 2025

: 22.44
: 4.67
: 6.62
Government: 0.00
: 66.28

Dec 2025

: 22.44
: 4.97
: 6.11
Government: 0.00
: 66.49

Mar 2026

: 22.48
: 5.23
: 5.72
Government: 0.00
: 66.57

Jun 2026

: 22.48
: 5.35
: 5.47
Government: 0.00
: 66.70

Documents

Announcements

ESOP/ESOS/ESPS
2026-08-13 - Intimation regarding the allotment of Equity Shares of the Bank pursuant to exercise of Stock Options under Suryoday ESOP Scheme 2019.
Resignation of Director/KMP/SMP
2026-08-09 - Suryoday Small Finance Bank Limited has informed the Exchange about Resignation of Director/KMP/SMP

Annual Reports

Credit Ratings

Nothing filed yet.

Concalls

Jul 2026
Transcript PPTREC
May 2026
Transcript PPTREC
Jan 2026
Transcript PPTREC