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.