Suryoday Small Finance Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Interest Earned

1,558.70

1,483.17

1,144.04

854.24

705.24

624.35

Income On Investments

156.70

150.35

137.93

112.18

81.32

59.83

Interest On Balances With Rbi Other Inter Bank Funds

32.68

18.35

7.51

7.22

10.00

19.95

Interest / Discount On Advances / Bills

1,366.84

1,314.47

998.60

734.80

613.80

544.22

Others

2.48

0.00

0.04

0.12

0.35

Other Income

269.37

157.15

154.69

63.46

73.59

56.11

Total Income

1,828.07

1,640.32

1,298.73

917.70

778.83

680.46

Interest Expended

776.54

621.69

452.59

317.78

267.21

271.08

Net Interest Income

782.16

861.48

691.45

536.46

438.03

353.27

Total Expenditure (Excl Depreciation)

774.45

676.07

520.56

364.15

295.16

231.63

Employee Cost

369.67

328.46

252.34

169.24

161.77

133.57

Other Operating Expenses

404.78

347.61

268.22

194.91

133.39

98.06

Operating Profit Before Provisions and Contingencies

277.08

342.56

325.58

235.77

216.46

177.75

Exceptional Items

0.00

Provisions and contingencies

143.16

151.95

118.18

185.13

279.90

107.69

Profit Before Tax

133.92

190.61

207.40

50.64

-63.44

70.06

Tax

31.67

41.86

52.28

11.84

-18.52

15.19

Profit After Tax

102.25

148.75

155.12

38.80

-44.92

54.87

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

102.25

148.75

155.12

38.80

-44.92

54.87

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

3.44

3.12

5.36

1.7

0.44

0.12

Operating Profit Margin (Excl OI)

50.31%

54.42%

54.5%

57.37%

58.15%

62.9%

Gross Profit Margin

0.0%

PAT Margin

6.56%

10.03%

13.56%

4.54%

-6.37%

8.79%

Net Interest Margin

7.3%

8.4%

9.8%

9.3%

9.9%

7.4%

Return on Assets

0.0%

0.21%

0.07%

0.02%

CASA (%)

21.2%

19.5%

18.5%

14.1%

19.2%

13.3%

CASA Amount

0.00

1,199.00

663.00

608.60

0.00

Capital Adequacy Ratio (Total)

0.0%

41.44%

41.17%

Capital Adequacy Ratio (Tier 1)

0.0%

36.9%

Provision Coverage Ratio (%)

36.6%

44.7%

54.3%

36.2%

67.9%

56.0%

Amount of Gross NPAs

790.35

528.95

223.26

228.85

510.83

29.91

Amount of Net NPAs

501.06

292.32

102.01

146.02

257.04

12.81

% of Net NPAs

4.35%

3.13%

1.42%

2.74%

5.57%

0.33%

% of Gross NPAs

6.69%

5.53%

3.06%

4.23%

10.48%

0.78%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

712.0

708.0

672.0

571.0

564.0

0.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 5.09% vs 29.64% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is -31.26% vs -4.11% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -19.11% vs 5.22% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is 1.22% vs 1.71% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is 1.16% vs 2.47% in Dec 2024

Compare Nine Monthly Results Of Suryoday Small With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

1,558.70

2,542.03

-983.33

-38.68%

Income On Investments

156.70

282.22

-125.52

-44.48%

Interest On Balances With Rbi Other Inter Bank Funds

32.68

109.22

-76.54

-70.08%

Interest / Discount On Advances / Bills

1,366.84

2,150.57

-783.73

-36.44%

Others

2.48

0.01

2.47

24700.0%

Other Income

269.37

315.65

-46.28

-14.66%

Total Income

1,828.07

2,857.68

-1,029.61

-36.03%

Interest Expended

776.54

1,441.39

-664.85

-46.13%

Net Interest Income

782.16

1,100.64

-318.48

-28.94%

Total Expenditure (Excl Depreciation)

774.45

1,372.24

-597.79

-43.56%

Employee Cost

369.67

710.64

-340.97

-47.98%

Other Operating Expenses

404.78

661.60

-256.82

-38.82%

Operating Profit Before Provisions and Contingencies

277.08

44.04

233.04

529.16%

Exceptional Items

0.00

Provisions and contingencies

143.16

1,318.57

-1,175.41

-89.14%

Profit Before Tax

133.92

-1,274.53

1,408.45

110.51%

Tax

31.67

-311.57

343.24

110.16%

Profit After Tax

102.25

-962.97

1,065.22

110.62%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

102.25

-962.97

1,065.22

110.62%

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

6.56%

-37.88%

0.00

44.44%

Net Interest Margin

7.30%

5.10%

2.20

2.20%

Return on Assets

0.00%

-1.36%

1.36

1.36%

CASA (%)

21.20%

21.90%

-0.70

-0.70%

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 (%)

36.60%

62.20%

-25.60

-25.60%

Amount of Gross NPAs

790.35

1,985.95

-1,195.60

-60.2%

Amount of Net NPAs

501.06

750.87

-249.81

-33.27%

% of Net NPAs

4.35%

4.48%

-0.13

-0.13%

% of Gross NPAs

6.69%

11.05%

-4.36

-4.36%

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

372.00

-372.00

-100.0%

Number of Branches

712.00

1,105.00

-393.00

-35.57%

Nine Monthly - Interest Earned

Interest Earned 1558.7 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 5.09% vs 29.64% in Dec 2024

Nine Monthly - Net Profit

Net Profit 102.25 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -31.26% vs -4.11% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 277.08 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -19.11% vs 5.22% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 4.35%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 1.22% vs 1.71% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 6.69%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 1.16% vs 2.47% in Dec 2024