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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

622.36

601.59

543.87

519.66

495.17

470.58

487.85

Income On Investments

63.19

57.57

51.76

53.82

51.12

48.27

52.21

Interest On Balances With Rbi Other Inter Bank Funds

14.96

15.03

12.53

9.95

10.20

5.95

5.60

Interest / Discount On Advances / Bills

543.16

527.21

477.10

455.89

433.85

416.36

430.04

Others

1.05

1.78

2.48

0.00

Other Income

147.86

90.30

80.88

79.84

108.65

60.10

39.55

Total Income

770.22

691.89

624.75

599.50

603.82

530.68

527.40

Interest Expended

306.63

285.04

267.06

261.45

248.03

225.92

219.58

Net Interest Income

315.73

316.55

276.81

258.21

247.14

244.66

268.27

Total Expenditure (Excl Depreciation)

325.03

299.88

268.68

258.90

246.87

258.12

236.46

Employee Cost

136.76

142.82

127.90

126.43

115.34

115.77

105.06

Other Operating Expenses

188.27

157.06

140.78

132.47

131.53

142.35

131.40

Operating Profit Before Provisions and Contingencies

138.56

106.97

89.01

79.15

108.92

46.64

71.36

Exceptional Items

0.00

Provisions and contingencies

36.66

41.32

41.22

39.85

62.09

93.42

33.62

Profit Before Tax

101.90

65.65

47.79

39.30

46.83

-46.78

37.74

Tax

26.72

15.93

11.23

8.89

11.55

-13.00

4.44

Profit After Tax

75.18

49.72

36.56

30.41

35.28

-33.78

33.30

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

75.18

49.72

36.56

30.41

35.28

-33.78

33.30

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

7.07

4.68

3.44

2.86

3.32

-3.18

3.13

Diluted Earnings per share

7.07

4.68

3.44

2.86

3.32

-3.18

3.12

Operating Profit Margin (Excl OI)

41.88%

43.28%

43.02%

42.51%

37.61%

25.3%

44.64%

Gross Profit Margin

16.37%

10.91%

8.79%

7.56%

9.46%

-9.94%

7.74%

PAT Margin

12.08%

8.26%

6.72%

5.85%

7.12%

-7.18%

6.83%

Net Interest Margin

7.2%

7.9%

7.3%

6.9%

7.2%

7.8%

8.4%

Return on Assets

0.0%

CASA (%)

21.0%

22.6%

21.2%

20.7%

17.7%

20.9%

19.5%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

81.8%

37.3%

36.6%

37.3%

35.4%

37.7%

44.7%

Amount of Gross NPAs

931.15

864.18

790.35

654.96

917.52

733.84

528.95

Amount of Net NPAs

169.55

541.88

501.06

410.63

593.04

457.02

292.32

% of Net NPAs

1.27%

4.21%

4.35%

3.8%

5.64%

4.58%

3.13%

% of Gross NPAs

6.6%

6.55%

6.69%

5.93%

8.46%

7.16%

5.53%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

718.0

717.0

712.0

0.0

710.0

708.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 3.45% vs 10.61% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 51.21% vs 36.00% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 29.53% vs 20.18% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -2.94% vs -0.14% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is 0.05% vs -0.14% in Mar 2026

Compare Quarterly Results Of Suryoday Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

622.36

1,097.77

-475.41

-43.31%

Income On Investments

63.19

103.66

-40.47

-39.04%

Interest On Balances With Rbi Other Inter Bank Funds

14.96

1.72

13.24

769.77%

Interest / Discount On Advances / Bills

543.16

992.39

-449.23

-45.27%

Others

1.05

0.00

1.05

Other Income

147.86

248.24

-100.38

-40.44%

Total Income

770.22

1,346.01

-575.79

-42.78%

Interest Expended

306.63

513.69

-207.06

-40.31%

Net Interest Income

315.73

584.08

-268.35

-45.94%

Total Expenditure (Excl Depreciation)

325.03

483.34

-158.31

-32.75%

Employee Cost

136.76

179.79

-43.03

-23.93%

Other Operating Expenses

188.27

303.55

-115.28

-37.98%

Operating Profit Before Provisions and Contingencies

138.56

348.98

-210.42

-60.3%

Exceptional Items

0.00

Provisions and contingencies

36.66

241.96

-205.30

-84.85%

Profit Before Tax

101.90

107.02

-5.12

-4.78%

Tax

26.72

26.94

-0.22

-0.82%

Profit After Tax

75.18

80.08

-4.90

-6.12%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

75.18

80.08

-4.90

-6.12%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.07

1.55

5.52

356.13%

Diluted Earnings per share

7.07

1.55

5.52

356.13%

Operating Profit Margin (Excl OI)

41.88%

33.93%

0.00

7.95%

Gross Profit Margin

16.37%

9.75%

0.00

6.62%

PAT Margin

12.08%

7.29%

0.00

4.79%

Net Interest Margin

7.20%

0.00%

7.20

7.20%

Return on Assets

0.00%

0.26%

-0.26

-0.26%

CASA (%)

21.00%

0.00%

21.00

21.00%

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 (%)

81.80%

0.00%

81.80

81.80%

Amount of Gross NPAs

931.15

1,253.34

-322.19

-25.71%

Amount of Net NPAs

169.55

184.12

-14.57

-7.91%

% of Net NPAs

1.27%

0.83%

0.44

0.44%

% of Gross NPAs

6.60%

5.40%

1.20

1.20%

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

718.00

0.00

718.00

Quarterly - Interest Earned

Interest Earned 622.36 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 3.45% vs 10.61% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 25.69% vs 1.44% in Jun 2025

Quarterly - Net Profit

Net Profit 75.18 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 51.21% vs 36.00% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 113.10% vs -49.64% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 138.56 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 29.53% vs 20.18% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 27.21% vs -24.51% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 1.27%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -2.94% vs -0.14% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -4.37% vs 5.17% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 6.60%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is 0.05% vs -0.14% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -1.86% vs 5.62% in Jun 2025