Suryoday Small Finance Bank Limited (SURYODAY) — Financial Results | 13 May 2026

Suryoday Small Finance Bank reported a 10.2% YoY rise in net income to ₹1,458 crores for FY26, with PAT at ₹152 crores and capital adequacy at 20.5%. Deposits grew 32.3% YoY to ₹13,994 crores, driven by 86% digital share and average ticket of ₹1.25 lakhs. Retail lending expanded with commercial vehicles up 36% and mortgages up 38% YoY, while inclusive finance portfolio recovery reached 99.7%. The bank expects FY27 GNPA to decline to ~3% from current levels, credit costs to stay under 1%, and ROA to hit 1.2%. It targets cost-to-income ratio of 67-68% and plans to claim ₹450-475 crores under CGFMU in FY27, with claims processed in ~60 days. No dilutive fundraise is planned despite low P/B, prioritizing capital adequacy and shareholder interests.