Suryoday SFB’s PAT Stood At Rs50 Cr In Q4 FY26

GNPA - INR 864 Cr, NNPA - INR 542 Cr, against which INR 508 Cr is receivable under CGMFU scheme

Baskar Babu Ramachandran, MD & CEO, Suryoday Small Finance Bank

FinTech BizNews Service

Mumbai, 8 May 2026: Suryoday Small Finance Bank today declared its Q4 & FY26 Results.

Financial Highlights: Q4 FY26

• Net total income increased by 33.5% YoY from Rs. 305 Cr to Rs. 407 Cr
• Net interest income (NII) increased by 29.4% YoY from Rs 245 Cr to Rs 317 Cr
• Pre-provision operating profit (PPOP) increased by 129.4% YoY from Rs. 47 Cr to Rs. 107 Cr
• Cost of Funds stood at 7.5% in Q4 FY26 as compared to 8.1% in Q4 FY25
• Cost to income stood at 73.7% in Q4 FY26 as compared to 84.7% in Q4 FY25
• Profit After Tax (PAT) stood at Rs. 50 Cr in Q4 FY26 as against Rs. 34 Cr in Q4 FY25

Business Highlights: Q4 FY26

• Gross Advances stood at Rs. 13,261 Cr as on Mar’26 as compared to Rs. 10,251 Cr as on Mar’25, an increase of 29.4% year on year
• Disbursements stood at Rs. 3,077 Cr in Q4 FY26 as compared to Rs. 2,101 Cr in Q4 FY25, increase of
• 46.5% year on year
• The Vikas Loan disbursement showed an increase of 86% on a year-on-year basis
• Deposits stood at Rs. 13,994 Cr as on Mar’26 as compared to Rs. 10,580 Cr as on Mar’25, an increase of 32.3%
• year on year
• Current bucket Collection Efficiency stood at 99.5%
• Collection Efficiency (1 EMI adjusted) stood at 90.9% in Q4 FY26 as compared to 87.7% in Q4 FY25

Commenting on the performance, Mr. Baskar Babu Ramachandran, MD & CEO, Suryoday Small Finance Bank, said: The Bank continued to strengthen its diversified lending franchise with steady traction in secured retail and MSME segments, alongside continued scaling of the Vikas Loan portfolio through a calibrated focus on individually underwritten customers. Asset quality improved with GNPA and NNPA declining to 6.5% and 4.2%, respectively, as of March’26 GNPA - INR 864 Cr, NNPA - INR 542 Cr, against which INR 508 Cr is receivable under CGMFU scheme, supported by disciplined underwriting, strong collections and controlled credit costs. Profitability also strengthened significantly, with Q4 FY26 PAT at Rs50 Cr and FY26 PAT growing 32.2% YoY to Rs152 Cr.

During Q4 FY26 and FY26, the Bank delivered strong and resilient growth driven by business diversification, granular liabilities and improving profitability. Gross advances grew 29.4% YoY to Rs13,261 Cr, while deposits increased 32.3% YoY to  Rs13,994 Cr, with retail deposits contributing 86.0% of total deposits.

Digital sourcing remained a key growth driver, with digital deposits crossing Rs1,672 Cr during the year. Newly launched Credit on UPI showing huge traction with 11 lakhs pre-qualified customers. We believe digital would be a key factor to build a long-term sustainable institution. Going forward, the Bank remains focused on expanding secured lending, strengthening its retail liability franchise, scaling digital products and maintaining a prudent, customer-centric growth strategy.

Business Highlights: FY26

• Gross Advances stood at Rs 13,261 Cr in FY26 as compared to Rs 10,251 Cr in FY25, an increase of 29.4% year on year
• Disbursements stood at Rs 10,466 Cr in FY26 as compared to Rs 6,990 Cr in FY25, an increase of 49.7% year on year
• Disbursement continues to be strong across all segments supported by significant traction in Vikas Loans, wheels and mortgages segments
• Vikas Loan disbursement stood at Rs 3,954 Cr in FY26 as compared to Rs 2,000 Cr in FY25, an increase of 98% year on year
• Deposits stood at Rs. 13,994 Cr in FY26 as compared to Rs. 10,580 Cr in FY25, an increase of 32.3% year on year
• Share of retail deposits stood at 86.0% in Mar’26, as compared to 81.1% in Mar’25
• CASA ratio stood at 22.6% as on Mar’26, compared to 20.9% in Mar’25
• Collection efficiency (1 EMI adjusted) stood at 90.9% in FY26 as compared to 87.7% in FY25
• The Bank has ~42 lakh customers as on Mar’26, as compared to 34 lakh customers in Mar’25, an increase of 23.3%

Financial Highlights: FY26

• Net total income increased by 10.2% YoY from Rs 1,323 Cr to Rs 1,458 Cr
• Net interest income (NII) decreases by -0.7% YoY from Rs 1,106 Cr to Rs 1,099 Cr
• Pre-provision operating profit (PPOP) decreases by 1.3% YoY from Rs 389 Cr to Rs 384 Cr
• Cost of Funds stood at 7.7% in FY26 as compared to 7.8% in FY25
• Cost to income stood at 73.7% in FY26 as compared to 70.6% in FY25
• Profit After Tax (PAT) increased by 32.2% YoY from Rs 115 Cr to Rs 152 Cr
• Gross NPA remains stable at 6.5% as on Mar’26, compared to 7.2% in Mar’25
• Net NPA stood at 4.2% as on Mar’26, compared to 4.6% in Mar’25
• Healthy capital position with a CRAR at 20.5%; Tier I capital of 19.6% and Tier II capital of 0.9%