Suryoday Small Finance Bank Limited — Quarter (Q-4) and year ended March 31, 2026
The meeting of the Board of Directors commenced at 02:50 p.m. and concluded at 07:00 p.m.
This intimation shall also be made available on the Bank’s website at
– https://suryoday.bank.in/investor-corner/#disclosure-to-stock-exchanges
– https://suryoday.bank.in/investor-corner/#financials
in terms of Regulation 30, 46 and 62 of the SEBI Listing Regulations.
The above is submitted for your kind information and appropriate dissemination.
Thanking You,
Yours truly,
For Suryoday Small Finance Bank Limited
KRISHNA KANT CHATURVEDI
Digitally signed by KRISHNA KANT CHATURVEDI
Date: 2026.05.07 19:13:00 +05’30’
Krishna Kant Chaturvedi
Company Secretary & Compliance Officer
Encl: As above
| Sr. No | Particulars | Quarter ended 31.03.2026 Audited (Refer Note 17) | Quarter ended 31.12.2025 Unaudited | Quarter ended 31.03.2025 Audited (Refer Note 17) | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|---|---|---|---|---|---|---|
| 1 | Interest Earned (a)+(b)+(c)+(d) | 60,159 | 54,387 | 47,058 | 2,16,029 | 1,95,375 |
| (a) Interest / discount on advances / bills | 52,721 | 47,710 | 41,636 | 1,89,361 | 1,72,483 | |
| (b) Income on investments | 5,757 | 5,176 | 4,827 | 21,427 | 19,862 | |
| (c) Interest on balances with Reserve Bank of India and other inter bank funds | 1,503 | 1,253 | 595 | 4,771 | 2,430 | |
| (d) Others | 178 | 248 | – | 470 | 600 | |
| 2 | Other Income (Refer note 10) | 9,030 | 8,088 | 6,010 | 35,967 | 21,725 |
| 3 | Total Income (1)+(2) | 69,189 | 62,475 | 53,068 | 2,51,996 | 2,17,100 |
| 4 | Interest Expended | 28,504 | 26,706 | 22,592 | 1,06,158 | 84,761 |
| 5 | Operating Expenses (i)+(ii) | 29,988 | 26,868 | 25,812 | 1,07,433 | 93,419 |
| (i) Employees cost (Refer note 13) | 14,282 | 12,790 | 11,577 | 51,249 | 44,423 | |
| (ii) Other operating expenses | 15,706 | 14,078 | 14,235 | 56,184 | 48,996 | |
| 6 | Total Expenditure (4)+(5) (excluding Provisions and Contingencies) | 58,492 | 53,574 | 48,404 | 2,13,591 | 1,78,180 |
| 7 | Operating Profit before Provisions and Contingencies (3)-(6) | 10,697 | 8,901 | 4,664 | 38,405 | 38,920 |
| 8 | Provisions (other than tax) and Contingencies | 4,132 | 4,122 | 9,342 | 18,448 | 24,537 |
| 9 | Exceptional Items | – | – | – | – | – |
| 10 | Profit from Ordinary Activities before tax (7)-(8)-(9) | 6,565 | 4,779 | (4,678) | 19,957 | 14,383 |
| 11 | Tax Expense | 1,593 | 1,123 | (1,300) | 4,760 | 2,886 |
| 12 | Net Profit from Ordinary Activities after tax (10)-(11) | 4,972 | 3,656 | (3,378) | 15,197 | 11,497 |
| 13 | Extraordinary items (net of tax expense) | – | – | – | – | – |
| 14 | Net Profit for the period (12)-(13) | 4,972 | 3,656 | (3,378) | 15,197 | 11,497 |
| 15 | Paid up equity share capital (Face Value of ₹10/- each) | 10,629 | 10,629 | 10,628 | 10,629 | 10,628 |
| 16 | Reserves excluding revaluation reserves | – | – | – | 1,97,203 | 1,82,081 |
| 17 | Analytical Ratios | |||||
| (i) Percentage of shares held by Government of India | Nil | Nil | Nil | Nil | Nil | |
| (ii) Capital Adequacy Ratio (Refer note 11) | 20.45% | 21.94% | 25.83% | 20.45% | 25.83% | |
| (iii) Earnings per share (EPS) (Face Value of ₹10/- each)* | ||||||
| (a) Basic EPS before & after extraordinary items (net of tax expense)-₹ | 4.68 | 3.44 | (3.18) | 14.30 | 10.82 | |
| (b) Diluted EPS before & after extraordinary items (net of tax expense)-₹ | 4.68 | 3.44 | (3.18) | 14.29 | 10.75 | |
| (iv) NPA Ratios | ||||||
| (a) Gross NPAs | 86,418 | 79,035 | 73,384 | 86,418 | 73,384 | |
| (b) Net NPAs | 54,188 | 50,106 | 45,702 | 54,188 | 45,702 | |
| (c) % of Gross NPAs to Gross Advances | 6.55% | 6.69% | 7.16% | 6.55% | 7.16% | |
| (d) % of Net NPAs to Net Advances | 4.21% | 4.35% | 4.58% | 4.21% | 4.58% | |
| (v) Return on assets (average) * | 0.27% | 0.22% | (0.23)% | 0.89% | 0.84% | |
| (vi) Net worth (Refer note 15) | 2,05,473 | 1,98,074 | 1,90,014 | 2,05,473 | 1,90,014 | |
| (vii) Outstanding redeemable preference shares | – | – | – | – | – | |
| (viii) Capital redemption reserve | – | – | – | – | – | |
| (ix) Debt equity ratio | 1.50 | 0.83 | 1.41 | 1.50 | 1.41 | |
| (x) Total debts to total assets | 15.70% | 9.86% | 17.36% | 15.70% | 17.36% |
| Particulars | Quarter ended 31.03.2026 Audited (Refer Note 17) | Quarter ended 31.12.2025 Unaudited | Quarter ended 31.03.2025 Audited (Refer Note 17) | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|---|---|---|---|---|---|
| 1. Segment Revenue | |||||
| (a) Treasury | 7,964 | 7,235 | 6,489 | 30,275 | 23,861 |
| (b) Retail Banking | 64,679 | 58,149 | 48,901 | 2,34,263 | 2,03,911 |
| (c) Corporate | 4,543 | 4,114 | 3,391 | 16,244 | 12,341 |
| (d) Other Banking Operations | 1,350 | 1,163 | 873 | 5,216 | 3,442 |
| (e) Unallocated | – | – | – | – | – |
| Total | 78,536 | 70,661 | 59,654 | 2,85,998 | 2,43,555 |
| Less: Inter Segment Revenue | (9,346) | (8,186) | (6,586) | (34,001) | (26,455) |
| Income from Operations | 69,190 | 62,475 | 53,068 | 2,51,997 | 2,17,100 |
| 2. Segment Results | |||||
| (a) Treasury | 756 | 1,259 | 459 | 5,307 | 1,962 |
| (b) Retail Banking | 6,894 | 4,878 | (1,880) | 20,082 | 20,772 |
| (c) Corporate | (732) | (1,058) | (2,783) | (4,391) | (7,147) |
| (d) Other Banking Operations | – | – | – | – | – |
| (e) Unallocated | (353) | (300) | (474) | (1,041) | (1,204) |
| Total Profit Before Tax | 6,565 | 4,779 | (4,678) | 19,957 | 14,383 |
| 3. Segment Assets | |||||
| (a) Treasury | 5,84,316 | 4,68,459 | 4,84,537 | 5,84,316 | 4,84,537 |
| (b) Retail Banking | 11,68,302 | 10,16,753 | 9,00,326 | 11,68,302 | 9,00,326 |
| (c) Corporate | 2,32,675 | 2,12,830 | 1,67,441 | 2,32,675 | 1,67,441 |
| (d) Other Banking Operations | 661 | 957 | 971 | 661 | 971 |
| (e) Unallocated | 2,442 | 4,921 | 8,164 | 2,442 | 8,164 |
| Total | 19,88,396 | 17,03,920 | 15,61,439 | 19,88,396 | 15,61,439 |
| 4. Segment Liabilities | |||||
| (a) Treasury | 3,15,346 | 1,70,625 | 2,72,794 | 3,15,346 | 2,72,794 |
| (b) Retail Banking | 10,82,081 | 9,82,277 | 7,61,286 | 10,82,081 | 7,61,286 |
| (c) Corporate | 3,82,642 | 3,46,919 | 3,34,154 | 3,82,642 | 3,34,154 |
| (d) Other Banking Operations | 411 | 1,106 | 490 | 411 | 490 |
| (e) Unallocated | 84 | 74 | 5 | 84 | 5 |
| Total | 17,80,564 | 15,01,001 | 13,68,729 | 17,80,564 | 13,68,729 |
| 5. Capital Employed (Segment Assets – Segment Liabilities) | |||||
| (a) Treasury | 2,68,970 | 2,97,834 | 2,11,743 | 2,68,970 | 2,11,743 |
| (b) Retail Banking | 86,221 | 34,476 | 1,39,041 | 86,221 | 1,39,040 |
| (c) Corporate | (1,49,967) | (1,34,089) | (1,66,713) | (1,49,967) | (1,66,713) |
| (d) Other Banking Operations | 251 | (149) | 482 | 251 | 481 |
| (e) Unallocated | 2,358 | 4,847 | 8,158 | 2,358 | 8,159 |
| Total | 2,07,832 | 2,02,919 | 1,92,710 | 2,07,832 | 1,92,710 |
| Particulars | ₹ In Lakhs As at 31.03.2026 Audited | ₹ In Lakhs As at 31.03.2025 Audited |
|---|---|---|
| CAPITAL AND LIABILITIES | ||
| Capital | 10,629 | 10,628 |
| Reserves and Surplus | 1,97,203 | 1,82,081 |
| Deposits | 13,99,404 | 10,57,961 |
| Borrowings | 3,12,236 | 2,71,029 |
| Other Liabilities and Provisions | 68,924 | 39,740 |
| Total | 19,88,396 | 15,61,439 |
| ASSETS | ||
| Cash and Balances with Reserve Bank of India | 1,71,372 | 1,46,614 |
| Balances with Banks and Money at Call and Short notice | 38,505 | 24,324 |
| Investments | 3,69,256 | 3,13,748 |
| Advances | 12,87,876 | 9,97,435 |
| Fixed Assets | 29,804 | 29,014 |
| Other Assets | 91,583 | 50,304 |
| Total | 19,88,396 | 15,61,439 |
| Particulars | ₹ In Lakhs Year ended 31.03.2026 Audited | ₹ In Lakhs Year ended 31.03.2025 Audited |
|---|---|---|
| Cash flows from Operating Activities | ||
| Net profit before tax | 19,957 | 14,383 |
| Adjustments for: | ||
| Depreciation on fixed assets | 6,750 | 5,559 |
| Provision for non performing assets | 2,140 | 10,152 |
| Provision for standard assets | 641 | 913 |
| Write off of advances | 16,116 | 15,667 |
| Reversal of provision on depreciation on investment | – | (8,829) |
| Other provision | 178 | (117) |
| (Profit) on sale of securities | (1,301) | (732) |
| (Profit) on sale of fixed assets | (4) | (5) |
| AFS Reserve | (259) | – |
| Amortisation of premium on held to maturity investment | 616 | 309 |
| Employee stock option expenses | 179 | 445 |
| Floating provision | 2,210 | 2,464 |
| Provision on Security receipts (Reversal) | (974) | (551) |
| 46,249 | 39,658 | |
| Adjustments for: | ||
| (Increase) / Decrease in investments | 6,123 | 44,365 |
| (Increase) in advances | (3,10,885) | (2,17,922) |
| Increase in deposits | 3,41,443 | 2,80,235 |
| (Increase) in others assets | (40,263) | (12,128) |
| Increase in other liabilities and provisions | 28,342 | 3,696 |
| 24,760 | 98,246 | |
| Direct taxes paid (net of refunds) | (5,776) | (5,906) |
| Net cash flow from Operating Activities | 65,233 | 1,31,998 |
| Type of Borrower | Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half-year i.e. September 30, 2025 (A) | Of (A), aggregate debt that slipped into NPA during the half-year ended March 31, 2026 | Of (A) amount paid by the borrowers during the half-year ended March 31, 2026 | Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of half-year, i.e., March 31, 2026 |