Suryoday Small Finance Bank Limited — Quarter (Q-4) and Financial Year ended March 31, 2026
| 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 | 8,083 | 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 |
|---|---|---|---|---|
| Personal Loans | 456.91 | – | 24.97 | 431.94 |
| Corporate persons | – | – | – | – |
| Of which, MSMEs | – | – | – | – |
| Others | 144.70 | 9.29 | 27.08 | 108.33 |
| Total | 601.61 | 9.29 | 52.05 | 540.27 |
| Rating Agency | Recovery Rating | Trust | Value of Outstanding SRs (net of provisions) |
|---|---|---|---|
| India Ratings & Research | RR2-(75% – 100%) | EARC TRUST SC – 478 | – |
| Crisil | RR1-(100% – 150%) | EARC TRUST SC – 496 | 1050.37 |
| Particulars | To ARCs | To permitted transferees |
|---|---|---|
| No. of accounts | 1 | – |
| Aggregate principal outstanding of loans transferred | 1,166 | – |
| Weighted average residual tenor of the loans transferred (Months) | 24 | – |
| Net book value of loans transferred (at the time of |