Summary

Suryoday Small Finance Bank has announced its unaudited financial results for the quarter ended 30 June 2025. The bank reported a 20.0% YoY increase in gross advances, 30.0% YoY growth in disbursements, and 39.0% YoY growth in deposits. However, the bank experienced a decrease in net interest income and pre-provision operating profit due to the stress in the microfinance sector. The bank remains confident in its strategy of focusing on individual loans, diversifying the asset mix, strengthening the deposit franchise, and leveraging digital platforms.

Key Highlights

1. 1

   Gross Advances: Rs. 10,846 Cr, up 20.0% YoY

2. 2

   Disbursements: Rs. 2,261 Cr in Q1 FY26, up 30% YoY

3. 3

   Deposits: Rs. 11,312 Cr as on June’25, up 39.0% YoY

4. 4

   Current bucket Collection Efficiency: 98.3%

5. 5

   Collection Efficiency (1 EMI adjusted): 86.4% in Q1 FY26, down from 94.8% in Q1 FY25

6. 6

   Total income: decreased by 2.1% YoY

7. 7

   Net interest income (NII): decreased by 15.7% YoY

8. 8

   Pre-provision operating profit (PPOP): decreased by 24.5% YoY

9. 9

   Cost of Funds: 7.9% in Q1 FY26

10. 10

    Cost to income: 69.4% in Q1 FY26

11. 11

    Profit After Tax (PAT): Rs. 35.3 Cr in Q1 FY26

12. 12

    GNPA Ratio: 8.5%

13. 13

    NNPA Ratio: 5.6%

14. 14

    CASA Ratio: 17.7%

15. 15

    Yield: 16.8%

16. 16

    NIM: 7.2%

17. 17

    Cost of Deposits: 7.9%

18. 18

    Cost to income: 69.4% in Q1 FY26