SURYODAY

Suryoday Small Finance Bank Limited

Microfinance and retail lending bank with digital banking services

Financial Services›Financial Services›Banks›Other Bank

suryoday.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹147.97
Market cap
1,573 Cr
Stock P/E
8.2
P/B
0.76
ROE (FY26)
7.3%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Suryoday Small Finance Bank (Suryoday) is a small finance bank that lends through microfinance, commercial vehicle and mortgage loans and takes retail deposits through its branches and digital channels.

Company snapshot

7thBy market cap

Ranked among 9 companies in Other Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 93.8% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate
6.1%
32 Cr-14 Cr1,320 Cr
Other Banking Operations
1.3%
7 Cr0 Cr9 Cr
Retail Banking
93.8%
495 Cr55 Cr8,655 Cr
Treasury
10.9%
57 Cr-1 Cr3,879 Cr
Unallocated—0 Cr-2 Cr64 Cr

Shares add up to 112% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income221 Cr246 Cr271 Cr293 Cr300 Cr268 Cr245 Cr247 Cr258 Cr277 Cr317 Cr316 Cr
Other income52 Cr52 Cr65 Cr70 Cr47 Cr40 Cr60 Cr109 Cr80 Cr81 Cr90 Cr148 Cr
Net operating income273 Cr298 Cr335 Cr363 Cr347 Cr308 Cr305 Cr356 Cr338 Cr358 Cr407 Cr464 Cr
Employee cost84 Cr93 Cr108 Cr114 Cr110 Cr105 Cr116 Cr115 Cr126 Cr128 Cr143 Cr137 Cr
Other expenses95 Cr90 Cr99 Cr105 Cr111 Cr131 Cr142 Cr132 Cr132 Cr141 Cr157 Cr188 Cr
Provisions & contingencies27 Cr38 Cr48 Cr52 Cr67 Cr34 Cr93 Cr62 Cr40 Cr41 Cr41 Cr37 Cr
Depreciation————————————
Profit before tax68 Cr76 Cr80 Cr93 Cr60 Cr38 Cr-47 Cr47 Cr39 Cr48 Cr66 Cr102 Cr
Tax %25.7%25.0%24.1%24.4%24.5%11.8%27.8%24.7%22.6%23.5%24.3%26.2%
Net profit50 Cr57 Cr61 Cr70 Cr45 Cr33 Cr-34 Cr35 Cr30 Cr37 Cr50 Cr75 Cr
EPS (₹)₹4.74₹5.39₹5.73₹6.60₹4.27₹3.13₹-3.18₹3.32₹2.86₹3.44₹4.68₹7.07

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income166 Cr340 Cr491 Cr410 Cr584 Cr747 Cr962 Cr1,106 Cr1,099 CrSign in free for the trailing twelve months
Other income38 Cr67 Cr87 Cr99 Cr94 Cr97 Cr219 Cr217 Cr360 CrSign in free for the trailing twelve months
Net operating income204 Cr407 Cr578 Cr510 Cr678 Cr844 Cr1,182 Cr1,323 Cr1,458 CrSign in free for the trailing twelve months
Employee cost———186 Cr228 Cr242 Cr361 Cr444 Cr512 CrSign in free for the trailing twelve months
Other expenses———143 Cr185 Cr264 Cr367 Cr490 Cr562 CrSign in free for the trailing twelve months
Provisions & contingencies———169 Cr392 Cr237 Cr166 Cr245 Cr184 CrSign in free for the trailing twelve months
Depreciation—————————Sign in free for the trailing twelve months
Profit before tax———12 Cr-127 Cr101 Cr288 Cr144 Cr200 CrSign in free for the trailing twelve months
Tax %———2.0%26.8%23.0%24.9%20.1%23.9%Sign in free for the trailing twelve months
Net profit11 Cr90 Cr111 Cr12 Cr-93 Cr78 Cr216 Cr115 Cr152 CrSign in free for the trailing twelve months
EPS (₹)₹1.76₹13.35₹13.41₹1.32₹-8.76₹7.32₹20.34₹10.82₹14.30Sign in free for the trailing twelve months
Dividend payout %———0.0%—0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital67 Cr82 Cr87 Cr106 Cr106 Cr106 Cr106 Cr106 Cr106 Cr
Reserves471 Cr799 Cr980 Cr1,491 Cr1,399 Cr1,479 Cr1,479 Cr1,821 Cr1,972 Cr
Borrowings718 Cr1,124 Cr1,265 Cr1,667 Cr2,551 Cr2,765 Cr2,443 Cr2,710 Cr3,122 Cr
Other liabilities900 Cr1,757 Cr3,034 Cr3,448 Cr4,124 Cr5,511 Cr8,350 Cr10,977 Cr14,683 Cr
Total liabilities2,156 Cr3,761 Cr5,365 Cr6,712 Cr8,180 Cr9,861 Cr12,378 Cr15,614 Cr19,884 Cr
Fixed assets (net)14 Cr19 Cr39 Cr43 Cr115 Cr164 Cr169 Cr290 Cr298 Cr
CWIP—————————
Investments311 Cr664 Cr808 Cr1,874 Cr2,058 Cr2,570 Cr2,599 Cr3,137 Cr3,693 Cr
Loans & advances1,569 Cr2,680 Cr3,532 Cr3,983 Cr4,751 Cr6,015 Cr8,078 Cr9,974 Cr12,879 Cr
Cash & bank31 Cr48 Cr61 Cr103 Cr159 Cr784 Cr814 Cr1,466 Cr1,714 Cr
Other assets232 Cr350 Cr925 Cr709 Cr1,097 Cr327 Cr718 Cr746 Cr1,301 Cr
Total assets2,156 Cr3,761 Cr5,365 Cr6,712 Cr8,180 Cr9,861 Cr12,378 Cr15,614 Cr19,884 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity458 Cr-545 Cr526 Cr-876 Cr-347 Cr-98 Cr935 Cr1,320 Cr652 Cr
Cash from investing-84 Cr-14 Cr-167 Cr-280 Cr-158 Cr-266 Cr-263 Cr-1,059 Cr-792 Cr
Cash from financing-285 Cr655 Cr210 Cr915 Cr885 Cr213 Cr-322 Cr268 Cr412 Cr
Net cash flow88 Cr97 Cr569 Cr-241 Cr381 Cr-150 Cr349 Cr529 Cr273 Cr
Free cash flow (OCF − Capex)447 Cr-556 Cr496 Cr-896 Cr-397 Cr-190 Cr879 Cr1,143 Cr577 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2.1%10.3%10.4%0.7%-6.2%4.9%13.6%6.0%7.3%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA———394 Cr597 Cr191 Cr242 Cr734 Cr864 Cr
Gross NPA %———9.4%11.8%3.1%2.9%7.2%6.6%
Net NPA———188 Cr283 Cr93 Cr70 Cr457 Cr542 Cr
Net NPA %———4.7%6.0%1.6%0.9%4.6%4.2%
CET1 %———51.5%37.9%30.8%26.5%24.4%19.6%
Additional Tier 1 %———47.2%34.4%0.0%0.0%0.0%0.0%
ROA %———0.2%-1.3%0.9%1.9%0.8%0.9%