Suryoday Small Finance Bank Limited — Investor Meet, 29-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Suryoday SFB's Q3 & 9M FY26 financial results show gross advances up 24.3% YoY to 11,885 Cr and deposits up 32.5% to 12,865 Cr. GNPA stands at 6.6%, with 467 Cr covered by CGFMU, and substantial claims expected in Q1 FY27. The MFI book is shifting to individual loans (72%) with improving collection efficiency towards 99.5%.

Vehicle and Mortgage books grew strongly at 35% and 39% respectively. Digital deposits now contribute ~30% of incremental growth. Management forecasts improved Q4 earnings and aims for a cost-to-income ratio below 65% for the next fiscal year, targeting a 1% credit cost. ROE and ROA targets for Q4 are 10% and 1.1%, respectively. The bank expresses confidence in achieving stability and balanced growth starting FY27.