Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Mar'20
Interest Earned
1,014.83
995.32
733.33
562.49
450.20
420.78
400.79
Income On Investments
104.94
98.14
89.35
74.48
52.35
37.21
0.00
Interest On Balances With Rbi Other Inter Bank Funds
20.15
12.75
4.50
6.08
8.60
13.22
0.00
Interest / Discount On Advances / Bills
889.74
884.43
639.48
481.89
389.17
370.05
400.79
Others
0.00
0.00
0.00
0.04
0.08
0.30
0.00
Other Income
188.49
117.60
102.79
37.81
55.42
32.34
43.87
Total Income
1,203.32
1,112.92
836.12
600.30
505.62
453.12
444.66
Interest Expended
509.48
402.11
287.57
209.48
179.48
177.13
145.25
Net Interest Income
505.35
593.21
445.76
353.01
270.72
243.65
255.54
Total Expenditure (Excl Depreciation)
505.77
439.61
337.13
218.30
190.20
139.28
150.80
Employee Cost
241.77
223.40
159.08
104.80
106.50
86.13
0.00
Other Operating Expenses
264.00
216.21
178.05
113.50
83.70
53.15
150.80
Operating Profit Before Provisions and Contingencies
188.07
271.20
211.42
172.52
135.94
136.71
148.61
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
101.94
118.33
80.32
145.45
207.29
68.07
122.89
Profit Before Tax
86.13
152.87
131.10
27.07
-71.35
68.64
25.72
Tax
20.44
37.42
33.20
6.32
-21.71
14.82
0.00
Profit After Tax
65.69
115.45
97.90
20.75
-49.64
53.82
25.72
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
65.69
115.45
97.90
20.75
-49.64
53.82
25.72
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
6.18
10.87
9.22
1.95
-4.68
6.04
2.97
Diluted Earnings per share
6.18
10.79
9.09
1.95
-4.67
5.95
3.08
Operating Profit Margin (Excl OI)
40.12%
43.94%
43.07%
35.33%
11.71%
50.72%
31.71%
Gross Profit Margin
8.49%
15.36%
17.88%
4.81%
-15.85%
16.31%
6.42%
PAT Margin
6.47%
11.6%
13.35%
3.69%
-11.03%
12.79%
6.42%
Net Interest Margin
0.0%
9.8%
9.7%
9.1%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.2%
-0.74%
0.93%
0.0%
CASA (%)
0.0%
17.9%
15.7%
17.3%
18.5%
11.1%
0.0%
CASA Amount
0.00
0.00
1,004.00
725.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
45.86%
40.98%
29.57%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
41.8%
36.6%
28.61%
Provision Coverage Ratio (%)
0.0%
74.3%
50.5%
77.5%
71.2%
89.3%
0.0%
Amount of Gross NPAs
654.96
273.02
197.73
532.66
456.47
82.48
0.00
Amount of Net NPAs
410.63
70.19
97.94
242.44
188.29
13.48
0.00
% of Net NPAs
3.8%
0.8%
1.46%
4.76%
4.48%
0.38%
0.0%
% of Gross NPAs
5.93%
3.03%
2.9%
9.9%
10.21%
2.25%
0.0%
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
704.0
635.0
567.0
560.0
0.0
477.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 1.96% vs 35.73% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is -43.10% vs 17.93% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is -30.65% vs 28.28% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is 3.00% vs -0.66% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is 2.90% vs 0.13% in Sep 2024
Compare Half Yearly Results Of Suryoday Small With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
1,014.83
1,720.88
-706.05
-41.03%
Income On Investments
104.94
167.99
-63.05
-37.53%
Interest On Balances With Rbi Other Inter Bank Funds
20.15
82.47
-62.32
-75.57%
Interest / Discount On Advances / Bills
889.74
1,470.41
-580.67
-39.49%
Others
0.00
0.01
-0.01
-100.0%
Other Income
188.49
235.09
-46.60
-19.82%
Total Income
1,203.32
1,955.97
-752.65
-38.48%
Interest Expended
509.48
968.59
-459.11
-47.4%
Net Interest Income
505.35
752.29
-246.94
-32.83%
Total Expenditure (Excl Depreciation)
505.77
899.06
-393.29
-43.74%
Employee Cost
241.77
464.44
-222.67
-47.94%
Other Operating Expenses
264.00
434.62
-170.62
-39.26%
Operating Profit Before Provisions and Contingencies
188.07
88.32
99.75
112.94%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
101.94
872.16
-770.22
-88.31%
Profit Before Tax
86.13
-783.84
869.97
110.99%
Tax
20.44
-195.90
216.34
110.43%
Profit After Tax
65.69
-587.95
653.64
111.17%
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
65.69
-587.95
653.64
111.17%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
6.18
-4.53
10.71
236.42%
Diluted Earnings per share
6.18
-4.53
10.71
236.42%
Operating Profit Margin (Excl OI)
40.12%
-2.93%
0.00
43.05%
Gross Profit Margin
8.49%
-45.55%
0.00
54.04%
PAT Margin
6.47%
-34.17%
0.00
40.64%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.00%
-2.14%
2.14
2.14%
CASA (%)
0.00%
0.00%
0.00
0.00%
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 (%)
0.00%
0.00%
0.00
0.00%
Amount of Gross NPAs
654.96
2,276.08
-1,621.12
-71.22%
Amount of Net NPAs
410.63
847.91
-437.28
-51.57%
% of Net NPAs
3.80%
5.02%
-1.22
-1.22%
% of Gross NPAs
5.93%
12.42%
-6.49
-6.49%
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
0.00
0.00
Number of Branches
0.00
0.00
0.00
Half Yearly - Interest Earned
Interest Earned 1014.83 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 1.96% vs 35.73% in Sep 2024
Half Yearly - Net Profit
Net Profit 65.69 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -43.10% vs 17.93% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 188.07 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -30.65% vs 28.28% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 3.80%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is 3.00% vs -0.66% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 5.93%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is 2.90% vs 0.13% in Sep 2024






