Suryoday Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q1 FY26
Suryoday Small Finance Bank Reports Q2 & H1 FY26 Results: Gross Advances at INR 11,124 Cr, Down 37.6% YoY Profit
06 Nov 2025 · 6 Nov 2025, 09:24 pm
Summary
Suryoday Small Finance Bank has reported its unaudited financial results for the quarter and half year ended 30th September 2025. The bank's gross advances stood at INR 11,124 Cr, up 18.9% YoY. The pre-provision operating profit was INR 79.1 Cr, down 37.6% YoY. The profit after tax was INR 30.4 Cr, leading to a ROA of 0.8% and a ROE of 6.2%. The GNPA was INR 655 Cr and NNPA was INR 411 Cr, with INR 378 Cr expected to be received under the CGMFU scheme.
Key Highlights
- 1
Gross Advances stood at INR 11,124 Cr, up 18.9% YoY
- 2
Disbursements stood at INR 2,430 Cr in Q2 FY26, an increase of 44.5% YoY
- 3
Deposits stood at INR 11,991 Cr, an increase of 35.5% YoY
- 4
Total income decreased by 2.7% YoY from INR 347 Cr to INR 338 Cr
- 5
Netinterest income (NII) decreased by 13.9% YoY from INR 300 Cr to INR 258 Cr
- 6
Pre-provision operating profit (PPOP) decreased by 37.6% YoY from INR 127 Cr to INR 79 Cr
- 7
Profit After Tax (PAT) stood at INR 30 Cr in Q2 FY26 as against INR 45 Cr in Q2 FY25
- 8
GNPA stood at 5.9% as on Sept’25, compared to 2.9% in Sept’24
- 9
Net NPA stood at 3.8% as on Sept’25, compared to 0.8% in Sept’24
- 10
CRAR at 23.4%; Tier | capital of 22.4% and Tier Il capital of 1.0%
Management Comments
Mr. Baskar Babu Ramachandran
MD & CEO, Suryoday Small Finance Bank
During the first half of FY26, deposits stood at INR 11,991 Cr with gross advances at INR 11,124 Cr. This reflects our continued growth momentum and franchise strength. The broader microfinance environment continues to show signs of improvement, however some impact is seen on asset quality and profitability during the period. Our GNPA increased from 2.9% in Sep’24 to 5.9% in Sep’25. Of the gross NPA of INR 655 Cr, the bank is carrying a provision of INR 244 Cr including floating provision. The unprovided portion of GNPA stands at INR 411 Cr against which expected CGFMU receivable is INR 378 Cr. Vikas Loan now constitutes 70% of the IF book and digital deposits are at ~1,300 Cr, which is over 10% of our overall deposit book. In FY2025-26, the Bank will focus on deepening MSME engagement, expanding secured lending, strengthening the Vikas Loan franchise and Scaling newly launched digital products like — secured credit card and Credit on UPI, while driving CASA and FD growth through digital initiatives. We remain committed to responsible, customer-centric growth built on trust, innovation, and inclusion.
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