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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

543.87

519.66

495.17

470.58

487.85

507.20

488.12

Income On Investments

51.76

53.82

51.12

48.27

52.21

49.11

49.03

Interest On Balances With Rbi Other Inter Bank Funds

12.53

9.95

10.20

5.95

5.60

7.58

5.17

Interest / Discount On Advances / Bills

479.58

455.89

433.85

416.36

430.04

450.51

433.92

Others

0.00

Other Income

80.88

79.84

108.65

60.10

39.55

47.45

70.15

Total Income

624.75

599.50

603.82

530.68

527.40

554.65

558.27

Interest Expended

267.06

261.45

248.03

225.92

219.58

207.22

194.89

Net Interest Income

276.81

258.21

247.14

244.66

268.27

299.98

293.23

Total Expenditure (Excl Depreciation)

268.68

258.90

246.87

258.12

236.46

220.51

219.10

Employee Cost

127.90

126.43

115.34

115.77

105.06

109.78

113.62

Other Operating Expenses

140.78

132.47

131.53

142.35

131.40

110.73

105.48

Operating Profit Before Provisions and Contingencies

89.01

79.15

108.92

46.64

71.36

126.92

144.28

Exceptional Items

0.00

Provisions and contingencies

41.22

39.85

62.09

93.42

33.62

66.77

51.56

Profit Before Tax

47.79

39.30

46.83

-46.78

37.74

60.15

92.72

Tax

11.23

8.89

11.55

-13.00

4.44

14.76

22.66

Profit After Tax

36.56

30.41

35.28

-33.78

33.30

45.39

70.06

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

36.56

30.41

35.28

-33.78

33.30

45.39

70.06

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

3.44

2.86

3.32

-3.18

3.13

4.27

6.59

Diluted Earnings per share

3.44

2.86

3.32

-3.18

3.12

4.24

6.55

Operating Profit Margin (Excl OI)

43.02%

42.51%

37.61%

25.3%

44.64%

43.36%

44.55%

Gross Profit Margin

8.79%

7.56%

9.46%

-9.94%

7.74%

11.86%

19.0%

PAT Margin

6.72%

5.85%

7.12%

-7.18%

6.83%

8.95%

14.35%

Net Interest Margin

7.3%

0.0%

7.2%

7.8%

8.4%

9.7%

10.0%

Return on Assets

0.0%

CASA (%)

21.2%

0.0%

17.7%

20.9%

19.5%

17.9%

17.7%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

36.6%

0.0%

35.4%

37.7%

44.7%

74.3%

83.9%

Amount of Gross NPAs

790.35

654.96

917.52

733.84

528.95

273.02

240.99

Amount of Net NPAs

501.06

410.63

593.04

457.02

292.32

70.19

38.91

% of Net NPAs

4.35%

3.8%

5.64%

4.58%

3.13%

0.8%

0.47%

% of Gross NPAs

6.69%

5.93%

8.46%

7.16%

5.53%

3.03%

2.84%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

712.0

0.0

710.0

0.0

708.0

704.0

701.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 4.66% vs 4.95% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 20.22% vs -13.80% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 12.46% vs -27.33% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is 0.55% vs -1.84% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is 0.76% vs -2.53% in Sep 2025

Compare Quarterly Results Of Suryoday Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

543.87

819.82

-275.95

-33.66%

Income On Investments

51.76

104.48

-52.72

-50.46%

Interest On Balances With Rbi Other Inter Bank Funds

12.53

0.39

12.14

3112.82%

Interest / Discount On Advances / Bills

479.58

714.95

-235.37

-32.92%

Others

0.00

Other Income

80.88

145.16

-64.28

-44.28%

Total Income

624.75

964.98

-340.23

-35.26%

Interest Expended

267.06

455.76

-188.70

-41.4%

Net Interest Income

276.81

364.06

-87.25

-23.97%

Total Expenditure (Excl Depreciation)

268.68

415.97

-147.29

-35.41%

Employee Cost

127.90

158.40

-30.50

-19.26%

Other Operating Expenses

140.78

257.57

-116.79

-45.34%

Operating Profit Before Provisions and Contingencies

89.01

93.25

-4.24

-4.55%

Exceptional Items

0.00

Provisions and contingencies

41.22

248.67

-207.45

-83.42%

Profit Before Tax

47.79

-155.42

203.21

130.75%

Tax

11.23

-39.61

50.84

128.35%

Profit After Tax

36.56

-115.81

152.37

131.57%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

36.56

-115.81

152.37

131.57%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.44

-2.25

5.69

252.89%

Diluted Earnings per share

3.44

-2.24

5.68

253.57%

Operating Profit Margin (Excl OI)

43.02%

18.93%

0.00

24.09%

Gross Profit Margin

8.79%

-18.96%

0.00

27.75%

PAT Margin

6.72%

-14.13%

0.00

20.85%

Net Interest Margin

7.30%

0.00%

7.30

7.30%

Return on Assets

0.00%

-0.43%

0.43

0.43%

CASA (%)

21.20%

0.00%

21.20

21.20%

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%

0.00%

36.60

36.60%

Amount of Gross NPAs

790.35

1,634.57

-844.22

-51.65%

Amount of Net NPAs

501.06

696.40

-195.34

-28.05%

% of Net NPAs

4.35%

3.83%

0.52

0.52%

% of Gross NPAs

6.69%

8.54%

-1.85

-1.85%

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

Number of Branches

712.00

0.00

712.00

Quarterly - Interest Earned

Interest Earned 543.87 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.66% vs 4.95% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 11.48% vs 18.78% in Dec 2024

Quarterly - Net Profit

Net Profit 36.56 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 20.22% vs -13.80% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 9.79% vs -41.80% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 89.01 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 12.46% vs -27.33% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 24.73% vs -37.49% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 4.35%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.55% vs -1.84% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 6.69%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.76% vs -2.53% in Sep 2025

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