Suryoday Small Finance Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

2,160.29

1,953.75

1,588.70

1,183.68

941.82

776.14

766.69

Income On Investments

214.27

198.62

183.22

149.73

111.66

84.37

52.85

Interest On Balances With Rbi Other Inter Bank Funds

47.71

24.30

10.90

8.99

12.68

25.29

11.33

Interest / Discount On Advances / Bills

1,893.61

1,724.83

1,394.58

1,024.93

817.33

666.11

702.27

Others

4.70

6.00

0.00

0.03

0.15

0.37

0.24

Other Income

359.67

217.25

219.39

97.42

93.56

76.40

87.45

Total Income

2,519.96

2,171.00

1,808.09

1,281.10

1,035.38

852.54

854.14

Interest Expended

1,061.58

847.61

626.47

437.11

357.37

365.65

276.18

Net Interest Income

1,098.71

1,106.14

962.23

746.57

584.45

410.49

490.51

Total Expenditure (Excl Depreciation)

1,074.33

934.19

727.71

506.53

413.10

328.64

272.12

Employee Cost

512.49

444.23

360.82

242.37

228.16

185.84

171.37

Other Operating Expenses

561.84

489.96

366.89

264.16

184.94

142.80

100.75

Operating Profit Before Provisions and Contingencies

384.05

389.20

453.91

337.46

264.91

158.25

305.84

Exceptional Items

0.00

Provisions and contingencies

184.48

245.37

166.34

236.60

391.97

146.15

151.86

Profit Before Tax

199.57

143.83

287.57

100.86

-127.06

12.10

153.98

Tax

47.60

28.86

71.61

23.16

-34.03

0.24

43.04

Profit After Tax

151.97

114.97

215.96

77.70

-93.03

11.86

110.94

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

151.97

114.97

215.96

77.70

-93.03

11.86

110.94

Face Value

10.0

Reserves

1,972.03

1,820.81

1,698.76

1,478.57

1,398.96

1,490.77

979.64

Earnings per share (EPS)

14.3

10.82

20.34

7.32

-8.76

1.12

12.81

Diluted Earnings per share

14.29

10.75

20.19

7.32

-8.76

1.31

13.27

Operating Profit Margin (Excl OI)

41.73%

39.63%

43.72%

37.22%

14.52%

38.83%

44.7%

Gross Profit Margin

9.24%

7.36%

18.1%

8.52%

-13.49%

1.56%

20.08%

PAT Margin

7.03%

5.88%

13.59%

6.56%

-9.88%

1.53%

14.47%

Net Interest Margin

7.3%

9.0%

9.8%

9.5%

8.6%

7.1%

11.7%

Return on Assets

0.0%

-1.29%

0.2%

2.53%

CASA (%)

22.6%

20.9%

20.1%

17.1%

20.2%

15.4%

11.4%

CASA Amount

0.00

884.10

723.90

502.80

0.00

Capital Adequacy Ratio (Total)

0.0%

51.47%

35.44%

Capital Adequacy Ratio (Tier 1)

0.0%

47.2%

34.3%

Provision Coverage Ratio (%)

37.3%

37.7%

71.2%

51.5%

69.8%

63.7%

84.7%

Amount of Gross NPAs

864.18

733.84

242.37

191.40

597.42

393.68

101.25

Amount of Net NPAs

541.88

457.02

69.87

92.97

283.37

188.12

20.37

% of Net NPAs

4.21%

4.58%

0.86%

1.55%

5.97%

4.73%

0.57%

% of Gross NPAs

6.55%

7.16%

2.94%

3.13%

11.8%

9.41%

2.79%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

717.0

710.0

695.0

577.0

565.0

556.0

477.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 10.57% vs 22.98% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 32.18% vs -46.76% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is -1.32% vs -14.26% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.37% vs 3.72% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.61% vs 4.22% in Mar 2025

Compare Annual Results Of Suryoday Small With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

2,160.29

3,378.78

-1,218.49

-36.06%

Income On Investments

214.27

401.68

-187.41

-46.66%

Interest On Balances With Rbi Other Inter Bank Funds

47.71

131.34

-83.63

-63.67%

Interest / Discount On Advances / Bills

1,893.61

2,845.75

-952.14

-33.46%

Others

4.70

0.01

4.69

46900.0%

Other Income

359.67

430.97

-71.30

-16.54%

Total Income

2,519.96

3,809.75

-1,289.79

-33.85%

Interest Expended

1,061.58

1,902.04

-840.46

-44.19%

Net Interest Income

1,098.71

1,476.74

-378.03

-25.6%

Total Expenditure (Excl Depreciation)

1,074.33

1,851.36

-777.03

-41.97%

Employee Cost

512.49

947.96

-435.47

-45.94%

Other Operating Expenses

561.84

903.40

-341.56

-37.81%

Operating Profit Before Provisions and Contingencies

384.05

56.35

327.70

581.54%

Exceptional Items

0.00

Provisions and contingencies

184.48

1,562.96

-1,378.48

-88.2%

Profit Before Tax

199.57

-1,506.61

1,706.18

113.25%

Tax

47.60

-355.64

403.24

113.38%

Profit After Tax

151.97

-1,150.98

1,302.95

113.2%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

151.97

-1,150.98

1,302.95

113.2%

Face Value

10.00

0.00

Reserves

1,972.03

996.08

975.95

97.98%

Earnings per share (EPS)

14.30

-6.47

20.77

321.02%

Diluted Earnings per share

14.29

-8.37

22.66

270.73%

Operating Profit Margin (Excl OI)

41.73%

-1.05%

0.00

42.78%

Gross Profit Margin

9.24%

-44.59%

0.00

53.83%

PAT Margin

7.03%

-34.06%

0.00

41.09%

Net Interest Margin

7.30%

5.40%

1.90

1.90%

Return on Assets

0.00%

-4.16%

4.16

4.16%

CASA (%)

22.60%

24.00%

-1.40

-1.40%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

37.30%

59.30%

-22.00

-22.00%

Amount of Gross NPAs

864.18

1,459.90

-595.72

-40.81%

Amount of Net NPAs

541.88

594.05

-52.17

-8.78%

% of Net NPAs

4.21%

3.29%

0.92

0.92%

% of Gross NPAs

6.55%

7.71%

-1.16

-1.16%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

373.00

-373.00

-100.0%

Number of Branches

717.00

1,110.00

-393.00

-35.41%

Annual - Interest Earned

Interest Earned 2160.29 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 10.57% vs 22.98% in Mar 2025

Annual - Net Profit

Net Profit 151.97 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 32.18% vs -46.76% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 384.05 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -1.32% vs -14.26% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 4.21%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.37% vs 3.72% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 6.55%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.61% vs 4.22% in Mar 2025