સૂર્યોદય સ્મોલ ફાઇનાન્સ બેંકની શેર કિંમત

Suryoday Small Finance Bank announced Q4FY26 & FY26 results Q4FY26 Financial Highlights: Net total income increased by 33.5% YoY from Rs. 305 crore to Rs. 407 crore. Net interest income (NII) increased by 29.4% YoY from Rs 245 crore to Rs 317 crore. Pre-provision operating profit (PPOP) increased by 129.4% YoY from Rs. 47 crore to Rs. 107 crore. Cost of Funds stood at 7.5% in Q4FY26 as compared to 8.1% in Q4 FY25. Cost to income stood at 73.7% in Q4FY26 as compared to 84.7% in Q4 FY25. Profit After Tax (PAT) stood at Rs. 50 crore in Q4FY26 as against Rs. -34 crore in Q4 FY25. FY26 Financial Highlights: Net total income increased by 10.2% YoY from Rs 1,323 crore to Rs 1,458 crore. Net interest income (NII) decreases by -0.7% YoY from Rs 1,106 crore to Rs 1,099 crore. Pre-provision operating profit (PPOP) decreases by 1.3% YoY from Rs 389 crore to Rs 384 crore. 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 crore to Rs 152 crore. 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% Business Highlights: Gross Advances stood at Rs 13,261 crore in FY26 as compared to Rs 10,251 crore in FY25, an increase of 29.4% YoY. Disbursements stood at Rs 10,466 crore in FY26 as compared to Rs 6,990 crore in FY25, an increase of 49.7% YoY. 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 crore in FY26 as compared to Rs 2,000 crore in FY25, an increase of 98% YoY. Deposits stood at Rs. 13,994 crore in FY26 as compared to Rs. 10,580 crore in FY25, an increase of 32.3% YoY. 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% Baskar Babu Ramachandran, MD & CEO, Suryoday Small Finance Bank, said: During Q4FY26 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 Rs 13,261 crore, while deposits increased 32.3% YoY to Rs 13,994 crore, with retail deposits contributing 86.0% of total deposits. 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 - Rs 864 crore, NNPA - Rs 542 crore, against which Rs 508 crore is receivable under CGMFU scheme, supported by disciplined underwriting, strong collections and controlled credit costs. Profitability also strengthened significantly, with Q4FY26 PAT at Rs 50 crore and FY26 PAT growing 32.2% YoY to Rs 152 crore. Digital sourcing remained a key growth driver, with digital deposits crossing Rs 1,672 crore during the year. Newly launched croreedit 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. Result PDF

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