Suryoday Small Finance Bank Limited — Investor Meet, 12-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Suryoday Small Finance Bank reported gross advances grew 18.9% to ₹11,124 Cr, with Vikas loan disbursements surging 111% YoY. Deposits expanded 35.5% to ₹11,991 Cr, featuring 86% retail deposits and a 20.7% CASA ratio. Q2 PAT dipped to ₹30 Cr, partly due to lower non-interest income. GNPA increased to 5.9%, though the bank successfully received a ₹313 Cr CGFMU claim. Management foresees H2 FY26 as a period of steady recovery, targeting 1.2% ROA and 8% NIMs, driven by new business and asset quality improvements. Strategic focus includes secured lending, strengthening the Vikas loan franchise, and digital growth like the Paytm UPI credit partnership. The outlook for future growth appears confident.