Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
1,953.75
1,588.70
1,183.68
941.82
776.14
766.69
530.11
Income On Investments
198.62
183.22
149.73
111.66
84.37
52.85
0.00
Interest On Balances With Rbi Other Inter Bank Funds
24.30
10.90
8.99
12.68
25.29
11.33
0.00
Interest / Discount On Advances / Bills
1,730.83
1,394.58
1,024.93
817.33
666.11
702.27
530.11
Others
0.00
0.00
0.03
0.15
0.37
0.24
0.00
Other Income
217.25
219.39
97.42
93.56
76.40
87.45
66.92
Total Income
2,171.00
1,808.09
1,281.10
1,035.38
852.54
854.14
597.03
Interest Expended
847.61
626.47
437.11
357.37
365.65
276.18
191.29
Net Interest Income
1,106.14
962.23
746.57
584.45
410.49
490.51
338.82
Total Expenditure (Excl Depreciation)
934.19
727.71
506.53
413.10
328.64
272.12
193.53
Employee Cost
444.23
360.82
242.37
228.16
185.84
171.37
0.00
Other Operating Expenses
489.96
366.89
264.16
184.94
142.80
100.75
193.53
Operating Profit Before Provisions and Contingencies
389.20
453.91
337.46
264.91
158.25
305.84
212.21
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
245.37
166.34
236.60
391.97
146.15
151.86
125.61
Profit Before Tax
143.83
287.57
100.86
-127.06
12.10
153.98
86.60
Tax
28.86
71.61
23.16
-34.03
0.24
43.04
0.00
Profit After Tax
114.97
215.96
77.70
-93.03
11.86
110.94
86.60
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
114.97
215.96
77.70
-93.03
11.86
110.94
86.60
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
1,820.81
1,698.76
1,478.57
1,398.96
1,490.77
979.64
799.05
Earnings per share (EPS)
10.82
20.34
7.32
-8.76
1.12
12.81
10.62
Diluted Earnings per share
10.75
20.19
7.32
-8.76
1.31
13.27
12.61
Operating Profit Margin (Excl OI)
39.63%
43.72%
37.22%
14.52%
38.83%
44.7%
39.8%
Gross Profit Margin
7.36%
18.1%
8.52%
-13.49%
1.56%
20.08%
16.34%
PAT Margin
5.88%
13.59%
6.56%
-9.88%
1.53%
14.47%
16.34%
Net Interest Margin
0.0%
9.8%
9.5%
8.6%
7.1%
11.7%
12.8%
Return on Assets
0.0%
0.0%
0.0%
-1.29%
0.2%
2.53%
0.0%
CASA (%)
20.9%
20.1%
17.1%
20.2%
15.4%
11.4%
11.25%
CASA Amount
0.00
0.00
884.10
723.90
502.80
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
51.47%
35.44%
35.03%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
47.2%
34.3%
33.67%
Provision Coverage Ratio (%)
37.7%
71.2%
51.5%
69.8%
63.7%
84.7%
75.8%
Amount of Gross NPAs
733.84
242.37
191.40
597.42
393.68
101.25
0.00
Amount of Net NPAs
457.02
69.87
92.97
283.37
188.12
20.37
0.00
% of Net NPAs
4.58%
0.86%
1.55%
5.97%
4.73%
0.57%
0.44%
% of Gross NPAs
7.16%
2.94%
3.13%
11.8%
9.41%
2.79%
1.81%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
695.0
577.0
565.0
556.0
477.0
382.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2025 is 22.98% vs 34.22% in Mar 2024
Net Profit
YoY Growth in year ended Mar 2025 is -46.76% vs 177.94% in Mar 2024
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2025 is -14.26% vs 34.51% in Mar 2024
% of Net NPAs
YoY Growth in year ended Mar 2025 is 3.72% vs -0.69% in Mar 2024
% of Gross NPAs
YoY Growth in year ended Mar 2025 is 4.22% vs -0.19% in Mar 2024
Compare Annual Results Of Suryoday Small With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
1,953.75
3,764.93
-1,811.18
-48.11%
Income On Investments
198.62
278.01
-79.39
-28.56%
Interest On Balances With Rbi Other Inter Bank Funds
24.30
149.94
-125.64
-83.79%
Interest / Discount On Advances / Bills
1,730.83
3,336.96
-1,606.13
-48.13%
Others
0.00
0.01
-0.01
-100.0%
Other Income
217.25
599.83
-382.58
-63.78%
Total Income
2,171.00
4,364.76
-2,193.76
-50.26%
Interest Expended
847.61
1,742.06
-894.45
-51.34%
Net Interest Income
1,106.14
2,022.87
-916.73
-45.32%
Total Expenditure (Excl Depreciation)
934.19
1,615.77
-681.58
-42.18%
Employee Cost
444.23
845.60
-401.37
-47.47%
Other Operating Expenses
489.96
770.17
-280.21
-36.38%
Operating Profit Before Provisions and Contingencies
389.20
1,006.93
-617.73
-61.35%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
245.37
979.28
-733.91
-74.94%
Profit Before Tax
143.83
27.65
116.18
420.18%
Tax
28.86
3.95
24.91
630.63%
Profit After Tax
114.97
23.70
91.27
385.11%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
114.97
23.70
91.27
385.11%
Face Value
10.00
10.00
0.00
Reserves
1,820.81
1,872.89
-52.08
-2.78%
Earnings per share (EPS)
10.82
0.18
10.64
5911.11%
Diluted Earnings per share
10.75
0.19
10.56
5557.89%
Operating Profit Margin (Excl OI)
39.63%
31.07%
0.00
8.56%
Gross Profit Margin
7.36%
0.73%
0.00
6.63%
PAT Margin
5.88%
0.63%
0.00
5.25%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.00%
0.09%
-0.09
-0.09%
CASA (%)
20.90%
21.80%
-0.90
-0.90%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
37.70%
51.20%
-13.50
-13.50%
Amount of Gross NPAs
733.84
1,854.38
-1,120.54
-60.43%
Amount of Net NPAs
457.02
905.27
-448.25
-49.52%
% of Net NPAs
4.58%
4.84%
-0.26
-0.26%
% of Gross NPAs
7.16%
9.43%
-2.27
-2.27%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
369.00
-369.00
-100.0%
Number of Branches
0.00
1,092.00
-1,092.00
-100.0%
Annual - Interest Earned
Interest Earned 1953.75 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is 22.98% vs 34.22% in Mar 2024
Annual - Net Profit
Net Profit 114.97 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is -46.76% vs 177.94% in Mar 2024
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 389.20 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is -14.26% vs 34.51% in Mar 2024
Annual - % of Net NPAs
% of Net NPAs 4.58%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is 3.72% vs -0.69% in Mar 2024
Annual - % of Gross NPAs
% of Gross NPAs 7.16%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is 4.22% vs -0.19% in Mar 2024






