Suryoday Small Finance Bank Ltd Q4 FY26 Results

Summary

Suryoday Small Finance Bank Limited announced strong financial results for Q4 and FY26, showcasing significant growth across key metrics. The bank's Gross Advances expanded by 29.4% year-on-year to ₹13,261 Cr, while Deposits grew by 32.3% year-on-year to ₹13,994 Cr as of March 2026. For Q4 FY26, Profit After Tax notably rose to ₹50 Cr from a prior-year loss, driven by a substantial 129.4% increase in Pre-provision Operating Profit to ₹107 Cr. The full financial year also saw healthy growth, with PAT reaching ₹152 Cr, a 32.2% rise year-on-year, coupled with an improved Cost to Income ratio of 73.7% in Q4 FY26.

Key Highlights

1. 1

   Suryoday Small Finance Bank's Gross Advances Portfolio grew by 29.4% year-on-year to ₹13,261 Cr as of March 2026.

2. 2

   Deposits for the bank increased by 32.3% year-on-year, reaching ₹13,994 Cr as of March 2026.

3. 3

   For Q4 FY26, Profit After Tax (PAT) significantly improved to ₹50 Cr, compared to a loss of ₹-34 Cr in Q4 FY25.

4. 4

   Pre-provision Operating Profit (PPOP) for Q4 FY26 surged by 129.4% year-on-year to ₹107 Cr.

5. 5

   The bank's Profit After Tax (PAT) for the full Financial Year 2026 increased by 32.2% year-on-year to ₹152 Cr.

6. 6

   Collection Efficiency (1 EMI adjusted) improved to 90.9% in Q4 FY26 from 87.7% in Q4 FY25, reflecting better asset quality.

7. 7

   The Bank maintained a healthy capital position with a CRAR of 20.5% and a Tier I capital of 19.6% at the end of FY26.