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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

519.66

495.17

470.58

487.85

507.20

488.12

444.66

Income On Investments

53.82

51.12

48.27

52.21

49.11

49.03

45.29

Interest On Balances With Rbi Other Inter Bank Funds

9.95

10.20

5.95

5.60

7.58

5.17

3.39

Interest / Discount On Advances / Bills

455.89

433.85

416.36

430.04

450.51

433.92

395.98

Others

0.00

Other Income

79.84

108.65

60.10

39.55

47.45

70.15

64.70

Total Income

599.50

603.82

530.68

527.40

554.65

558.27

509.36

Interest Expended

261.45

248.03

225.92

219.58

207.22

194.89

173.88

Net Interest Income

258.21

247.14

244.66

268.27

299.98

293.23

270.78

Total Expenditure (Excl Depreciation)

258.90

246.87

258.12

236.46

220.51

219.10

207.15

Employee Cost

126.43

115.34

115.77

105.06

109.78

113.62

108.48

Other Operating Expenses

132.47

131.53

142.35

131.40

110.73

105.48

98.67

Operating Profit Before Provisions and Contingencies

79.15

108.92

46.64

71.36

126.92

144.28

128.33

Exceptional Items

0.00

Provisions and contingencies

39.85

62.09

93.42

33.62

66.77

51.56

48.16

Profit Before Tax

39.30

46.83

-46.78

37.74

60.15

92.72

80.17

Tax

8.89

11.55

-13.00

4.44

14.76

22.66

19.33

Profit After Tax

30.41

35.28

-33.78

33.30

45.39

70.06

60.84

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

30.41

35.28

-33.78

33.30

45.39

70.06

60.84

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

2.86

3.32

-3.18

3.13

4.27

6.59

5.73

Diluted Earnings per share

2.86

3.32

-3.18

3.12

4.24

6.55

5.71

Operating Profit Margin (Excl OI)

42.51%

37.61%

25.3%

44.64%

43.36%

44.55%

42.58%

Gross Profit Margin

7.56%

9.46%

-9.94%

7.74%

11.86%

19.0%

18.03%

PAT Margin

5.85%

7.12%

-7.18%

6.83%

8.95%

14.35%

13.68%

Net Interest Margin

0.0%

7.2%

7.8%

8.4%

9.7%

10.0%

10.1%

Return on Assets

0.0%

CASA (%)

0.0%

17.7%

20.9%

19.5%

17.9%

17.7%

20.1%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

35.4%

37.7%

44.7%

74.3%

83.9%

71.2%

Amount of Gross NPAs

654.96

917.52

733.84

528.95

273.02

240.99

242.37

Amount of Net NPAs

410.63

593.04

457.02

292.32

70.19

38.91

69.87

% of Net NPAs

3.8%

5.64%

4.58%

3.13%

0.8%

0.47%

0.86%

% of Gross NPAs

5.93%

8.46%

7.16%

5.53%

3.03%

2.84%

2.94%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

0.0

710.0

0.0

708.0

704.0

701.0

695.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 4.95% vs 5.23% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is -13.80% vs 204.44% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -27.33% vs 133.53% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -1.84% vs 1.06% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -2.53% vs 1.30% in Jun 2025

Compare Quarterly Results Of Suryoday Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

519.66

839.97

-320.31

-38.13%

Income On Investments

53.82

86.98

-33.16

-38.12%

Interest On Balances With Rbi Other Inter Bank Funds

9.95

38.94

-28.99

-74.45%

Interest / Discount On Advances / Bills

455.89

714.05

-258.16

-36.15%

Others

0.00

Other Income

79.84

97.35

-17.51

-17.99%

Total Income

599.50

937.32

-337.82

-36.04%

Interest Expended

261.45

489.50

-228.05

-46.59%

Net Interest Income

258.21

350.47

-92.26

-26.32%

Total Expenditure (Excl Depreciation)

258.90

451.15

-192.25

-42.61%

Employee Cost

126.43

236.24

-109.81

-46.48%

Other Operating Expenses

132.47

214.91

-82.44

-38.36%

Operating Profit Before Provisions and Contingencies

79.15

-3.32

82.47

2484.04%

Exceptional Items

0.00

Provisions and contingencies

39.85

461.65

-421.80

-91.37%

Profit Before Tax

39.30

-464.97

504.27

108.45%

Tax

8.89

-116.51

125.40

107.63%

Profit After Tax

30.41

-348.46

378.87

108.73%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

30.41

-348.46

378.87

108.73%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

2.86

-2.69

5.55

206.32%

Diluted Earnings per share

2.86

-2.68

5.54

206.72%

Operating Profit Margin (Excl OI)

42.51%

-8.67%

0.00

51.18%

Gross Profit Margin

7.56%

-55.36%

0.00

62.92%

PAT Margin

5.85%

-41.48%

0.00

47.33%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.00%

-1.28%

1.28

1.28%

CASA (%)

0.00%

0.00

0.00%

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 (%)

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%

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

0.00

Quarterly - Interest Earned

Interest Earned 519.66 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 4.95% vs 5.23% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 2.46% vs 35.17% in Sep 2024

Quarterly - Net Profit

Net Profit 30.41 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -13.80% vs 204.44% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -33.00% vs -9.76% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 79.15 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -27.33% vs 133.53% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -37.64% vs 34.52% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 3.80%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -1.84% vs 1.06% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 3.00% vs -0.66% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 5.93%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -2.53% vs 1.30% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 2.90% vs 0.13% in Sep 2024