Suryoday Small Finance Bank Ltd

Net profit of Suryoday Small Finance Bank declined 33.00% to Rs 30.41 crore in the quarter ended September 2025 as against Rs 45.39 crore during the previous quarter ended September 2024. Total Operating Income rose 2.46% to Rs 519.66 crore in the quarter ended September 2025 as against Rs 507.20 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income519.66507.20 2 OPM %42.5143.36 - PBDT39.3060.15 -35 PBT39.3060.15 -35 NP30.4145.39 -33 Powered by Capital Market - Live

Suryoday Small Finance Bank will hold a meeting of the Board of Directors of the Company on 6 November 2025.Powered by Capital Market - Live

Suryoday Small Finance Bank announced that the Annual General Meeting(AGM) of the bank will be held on 11 September 2025.Powered by Capital Market - Live

However, total income jumped 8.15% YoY to Rs 603.82 crore in the quarter ended 30 June 2025. Profit before tax stood at Rs 46.83 crore in Q1 FY26, registering a decline of 49.49% from Rs 92.72 crore recorded in Q1 FY25. Net Interest Income (NII) fell by 15.72% to Rs 247.1 crore in Q1 FY26 from Rs 293.2 crore posted in the same quarter a year ago. Net interest margin (NIM) improved to 7.2% in Q1 FY26 compared to 10% in Q1 FY25. Pre Provisioning Operating Profit (PPoP) stood at Rs 108.92 crore in Q1 FY26, registering a de-growth of 24.50% from Rs 144.28 crore in Q1 FY25. As of 30 June 2025, the bank's gross non-performing assets (GNPA) stood at Rs 917.52 crore, an increase from Rs 733.84 crore as of 31 March 2025 and Rs 240.99 crore as of 30 June 2024. Net NPAs increased to Rs 593.04 crore as of 30 June 2025 compared to Rs 457.02 crore on 31 March 2025 and Rs 38.91 crore reported in 30 June 2024. The bank's net NPAs to gross advances ratio stood at 8.46% in Q1 FY26, up from 7.16% in Q4 FY25 and 2.84% in Q1 FY25. The ratio of net NPAs to net advances was 5.64% as of 30 June 2025, compared to 4.58% as of 31 March 2025, and 0.47% as of 30 June 2024. Disbursements stood at Rs 2,261 crore in Q1 FY26, up 30% YoY from Rs 1,740 crore in Q1 FY25. The bank's deposits stood at Rs 11,312 crore as of June 2025, compared to Rs 8,137 crore as of June 2024, marking a 39.0% YoY increase. The overall collection efficiency (1 EMI adjusted) stood at 86.4% in Q1 FY26 compared to 94.8% in Q1 FY25, primarily due to the Inclusive Finance portfolio. The current bucket collection efficiency was 98.3%. During the quarter, the capital adequacy ratio was at 24.61% in Q1 FY26, compared to 25.83% in Q4 FY25 and 27.27% as of Q1 FY25. Baskar Babu Ramachandran, MD & CEO, Suryoday Small Finance Bank, said, The Bank started quarter Q1 FY26 on a positive note in terms of growth in gross advances and deposits with gross advances, as on 30 June 2025, at Rs 10,846 crore and deposits crossing Rs 11,000 crore and stood at Rs 11,312 crore. This growth underscores the bank's continued progress in expanding its balance sheet while maintaining focus on portfolio quality. The non-IF (non-Inclusive Finance) book has now crossed 52% of total advances, marking a structural shift in the portfolio mix. This shift is primarily led by strong growth in the retail secured asset franchise, especially in the mortgages and wheels segments, both of which registered substantial traction during the quarter. While the external operating environment in the microfinance sector remains volatile, the Bank has proactively managed credit risk. As of June 2025, Gross NPA stood at 8.5%, with GNPA at Rs 918 crore and NNPA at Rs 593 crore. The expected CGFMU claim receivable is around Rs 584 crore. Considering the CGFMU coverage around 100% of NNPA is fully covered. Further, the Bank has received Rs 55.67 crore in June 2025, towards its second interim claim under the CGFMU Scheme (Base Year 2022'23) from the National Credit Guarantee Trustee Company (NCGTC). Also, the Bank had proactively implemented MFIN guardrails 2.0 in November 2024 itself, well ahead of the stipulated timeline of April 2025. The portfolio sourced post November 2024 is better placed both on asset quality front and collection efficiency front. On the liability side, deposits grew by 39% YoY, led by sustained momentum in the retail franchise and deepening of digital distribution channels. The CASA ratio stood at 17.7%, which is granular and retail-focused, CASA in value grew by 39.5% YoY. The microfinance sector's stress has continued to weigh on the Net Interest Income (NII) and credit costs, thereby impacting profitability for the quarter. However, with improved collection efficiency in Inclusive Finance and the underlying strength of the Bank's diversified portfolio-especially the secured retail and MSME segments-positions it well for improved performance going forward. The Bank is seeing early traction in MSME lending, a segment that is expected to contribute meaningfully over the medium term. This, along with continued expansion in mortgages and wheels, is expected to further increase the share of secured lending in the overall portfolio. Looking ahead, the Bank remains confident in its strategy of continuing focus on individual loans (Vikas Loan) in Inclusive Finance, diversifying the asset mix, strengthening the deposit franchise, and leveraging digital platforms. The investments made in credit protection mechanisms, customer acquisition through digital platforms, and focused execution in priority segments are expected to support consistent and profitable growth through FY26 and beyond.' Suryoday Small Finance Bank is a scheduled commercial bank. It commenced operations as an NBFC over a decade ago, with a clear focus on serving customers in the unbanked and underbanked segments and promoting financial inclusion. The bank has a wide presence across 15 states and Union Territories in India through its 710 banking outlets, with a strong presence in Maharashtra, Tamil Nadu, and Odisha. It offers a wide array of services to customers through its asset and liability products via multiple delivery channels. Powered by Capital Market - Live

Net profit of Suryoday Small Finance Bank declined 49.64% to Rs 35.28 crore in the quarter ended June 2025 as against Rs 70.06 crore during the previous quarter ended June 2024. Total Operating Income rose 1.44% to Rs 495.17 crore in the quarter ended June 2025 as against Rs 488.12 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income495.17488.12 1 OPM %37.6144.55 - PBDT46.8392.72 -49 PBT46.8392.72 -49 NP35.2870.06 -50 Powered by Capital Market - Live

Sequentially, gross advances rose 6% to Rs 10,251 crore posted in Q4 FY25. Disbursements for Q1 FY26 stood at Rs 2,261 crore, up 30% YoY and 8% QoQ. The bank's total deposits grew by 39% YoY and 7% QoQ to Rs 11,312 crore reported in Q1 FY26. Retail deposits increased 39% YoY and 8% QoQ to Rs 9,230 crore and bulk deposits stood at Rs 2,083 crore during the quarter, up 21% YoY and 4% QoQ. The bank's CASA (Current Account Savings Account) deposits stood at Rs 2,003 crore in Q1 FY26, registering a growth of 39% in YoY and down 9% YoY. The CASA ratio remained unchanged at 17.7% in Q1 FY26, compared to the same figure of 17.7% in Q1 FY25. However, it showed a decline from 20.9% posted in Q4 FY25. The CE - 1 EMI% stood at 94.1% in Q1 FY26, compared to 93.4% in Q1 FY25, and 98.8% in Q4 FY25. Meanwhile, the CE - Overall% was recorded at 97.1% in Q1 FY26, showing a decline from 99.7% in Q4 FY25, but still higher than 101.0% in Q1 FY25. The gross non-performing assets (GNPA) ratio stood at 8.5% in Q1 FY26, compared to 7.1% in Q4 FY25, reflecting a Q-o-Q increase. This was also higher than 2.7% recorded in Q1 FY25, indicating a Y-o-Y rise. As of June 2025, approximately 98% of the Inclusive Finance portfolio, which makes up around 48% of the Bank's Gross Advances, is covered under the CGFMU Scheme. The breakdown for Gross Non-Performing Assets (GNPA) as of June 30, 2025, shows a GNPA of Rs 927 crore, with Rs 804 crore covered under CGFMU. Of this, Rs 585 crore is claimable as per the CGFMU policy under various cohorts. In Q1 FY26, the bank received around Rs 56 crore, representing 100% of the claim made for the quarter. Additionally, the Bank's retail deposits grew by 44% Y-o-Y, while disbursements for the quarter rose by 30% Y-o-Y, reaching over Rs 2,200 crore. Suryoday Small Finance Bank is a leading Small Finance Bank(SFB) in India. The company started offering SFB services in 2017. They serve customers in the unbanked and underbanked segments. Before SBF, the company operated as an NBFC. The bank reported standalone net loss of Rs 33.78 crore in Q4 FY25 as against net profit of Rs 60.84 crore in Q4 FY24. Net sales rose 4.2% year on year to Rs 530.68 crore in Q4 FY25.Powered by Capital Market - Live

Suryoday Small Finance Bank will hold a meeting of the Board of Directors of the Company on 24 July 2025.Powered by Capital Market - Live

Baskar Babu Ramachandran holds a bachelor's degree in mechanical engineering from the University of Madras and a master's degree in business administration from Pondicherry University. He has participated in the management development programme for strategic management for corporate leadership conducted by Indian Institute of Management, Calcutta. He has several years of experience in the banking and finance sector. He was appointed as the MD and CEO of the bank with effect from 23 January 2017. His term renewed for three years from January 23, 2020 and subsequently extended for another three-year starting 23 January 2023. Suryoday Small Finance Bank offers a wide array of services to its customers, through its array of asset and liability products, via multiple delivery channels. The bank has a wide presence across 15 states and UTs across India through its 710 banking outlets, with a strong presence in Maharashtra, Tamil Nadu and Odisha. The company reported standalone net loss of Rs 33.78 crore in Q4 FY25 as compared with net profit of Rs 60.84 crore in Q4 FY24. Total income increased 4.2% YoY to Rs 530.68 crore in Q4 FY25. The counter declined 2.73% to end at Rs 137.40 on the BSE.Powered by Capital Market - Live

Net loss of Suryoday Small Finance Bank reported to Rs 33.78 crore in the quarter ended March 2025 as against net profit of Rs 60.84 crore during the previous quarter ended March 2024. Total Operating Income rose 5.83% to Rs 470.58 crore in the quarter ended March 2025 as against Rs 444.66 crore during the previous quarter ended March 2024. For the full year,net profit declined 46.76% to Rs 114.97 crore in the year ended March 2025 as against Rs 215.96 crore during the previous year ended March 2024. Total Operating Income rose 22.98% to Rs 1953.75 crore in the year ended March 2025 as against Rs 1588.70 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income470.58444.66 6 1953.751588.70 23 OPM %25.3042.58 -39.6343.72 - PBDT-46.7880.17 PL 143.83287.57 -50 PBT-46.7880.17 PL 143.83287.57 -50 NP-33.7860.84 PL 114.97215.96 -47 Powered by Capital Market - Live

Suryoday Small Finance Bank will hold a meeting of the Board of Directors of the Company on 8 May 2025.Powered by Capital Market - Live