Suryoday Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q2 FY26
Suryoday Small Finance Bank Reports Q3 & 9M FY26 Results: Gross Advances at Rs. 11,885 Cr, Pre-provision Operating Profit at Rs. 277.1 Cr
22 Jan 2026 · 22 Jan, 8:46 pm
Summary
Suryoday Small Finance Bank has reported its unaudited financial results for the quarter and nine months ended 31 December 2025. The bank's gross advances stood at Rs. 11,885 Cr as on Dec’25, an increase of 24.3% year on year. Disbursements stood at Rs. 2,698 Cr in Q3 FY26, an increase of 83.9% year on year. Deposits stood at Rs. 12,865 Cr as on Dec’25, an increase of 32.5% year on year. The bank's net total income increased by 16.2% YoY from Rs. 307.8 Cr to Rs. 357.7 Cr. Pre-provision operating profit (PPOP) increased by 24.7% YoY from Rs. 71.4 Cr to Rs. 89.0 Cr. The bank's GNPA stood at 6.6% as on Dec’25, compared to 5.5% in Dec’24. The bank has a CRAR at 21.9%; Tier | capital of 21.0% and Tier Il capital of 1.0%.
Key Highlights
- 1
Gross Advances stood at Rs. 11,885 Cr as on Dec’25
- 2
Disbursements stood at Rs. 2,698 Cr in Q3 FY26
- 3
Deposits stood at Rs. 12,865 Cr as on Dec’25
- 4
Net Total income increased by 16.2% YoY from Rs. 307.8 Cr to Rs. 357.7 Cr
- 5
Pre-provision operating profit (PPOP) increased by 24.7% YoY from Rs. 71.4 Cr to Rs. 89.0 Cr
- 6
GNPA stood at 6.6% as on Dec’25, compared to 5.5% in Dec’24
- 7
CRAR at 21.9%; Tier | capital of 21.0% and Tier Il capital of 1.0%
Management Comments
Mr. Baskar Babu Ramachandran
MD & CEO, Suryoday Small Finance Bank
During Q3 FY26, the Bank continued to demonstrate steady growth supported by a diversified and increasing digital business model. Advances remained at ~X11,800+ Cr while deposits stood at ~X12,800+ Cr, with non-Inclusive Finance loans accounting for 54.9% of total advances, reflecting progress in portfolio diversification.
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