Suryoday Small Finance Bank Limited — PPTs, 23-07-2026: Investor Presentation

Suryoday Small Finance Bank posted a strong Q1, with Gross Advances growing 32.5% YoY to ₹14,376 Cr and Deposits up 29.4% YoY to ₹14,634 Cr. Net Profit After Tax more than doubled, soaring 113.1% YoY to ₹75.2 Cr, improving RoA to 1.6%.

Growth is driven by shifting focus in micro-banking towards individual Vikas Loans (75% of Inclusive Finance book) and robust retail asset expansion (up 40.8% YoY). Digital banking is a core pillar, with digital deposits reaching ₹2,222 Cr and their Credit Line on UPI seeing significant traction among 20 lakh pre-qualified customers. The bank is also scaling Secured Credit Cards.

Asset quality significantly improved, with GNPA reducing to 6.5% (from 8.5% YoY) and NNPA to 1.2% (from 5.6% YoY), backed by an 81.8% Provision Coverage Ratio. Management aims for continued momentum, targeting 30-35% advances/deposit growth and further asset quality improvements for FY27.