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Standalone Quarterly Results (in ₹ Crores)

Total Figures
QoQ Changes
Total Figures
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue375411445488507488471495520544
Expenses205221255271287270352309299310
Interest154165174195207220226248261267
Financing Profit1624152313-1.81-107-62-41-33
Financing Margin %4.255.943.484.622.50-0.37-22.71-12.48-7.80-6.08
Other Income525265704740601098081
Depreciation
Profit Before Tax687680936038-47473948
Tax %25.6825.0124.1124.4424.5411.7627.7924.6622.6223.50
Net Profit505761704533-34353037
EPS in Rs4.605.355.716.554.243.12-3.183.322.863.44
Gross NPA %2.903.062.942.843.035.537.168.465.930.00
Net NPA %1.461.420.860.470.803.134.585.643.800.00

Standalone Profit Loss (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2442875307677769421,1841,5891,9541,961
Expenses1141812644144607867008431,1241,218
Interest115123191276366357437626848901
Financing Profit15-187576-49-20147120-18-158
Financing Margin %6.12-6.1514.089.95-6.35-21.373.957.52-0.91-8.05
Other Income11386987769497219217256
Depreciation2.154.665.599.7815194351560.00
Profit Before Tax241613815412-12710128814498
Tax %36.6935.6537.4227.951.9826.7922.9724.9020.0718.12
Net Profit15108711112-937821611580
EPS in Rs1.34-8.747.3020.1410.736.44
Dividend Payout %0.000.000.000.000.000.000.000.000.00

Standalone Balance Sheet (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital3864678287106106106106106
Reserves1594374727999801,4911,3991,4791,6991,821
Borrowings9561,0441,4672,7184,1134,9226,4057,93210,22013,290
Other Liabilities3960156163185193270344352397
Total Liabilities1,1931,6042,1643,7615,3656,7128,1809,86112,37815,614
Fixed Assets2.435.851318303566163152156
CWIP0.001.930.831.398.248.27491.3317135
Investments0.125943116648081,8742,0582,5702,5993,137
Other Assets1,1901,0021,8393,0784,5184,7956,0077,1279,61012,187
Total Assets1,1931,6042,1643,7615,3656,7128,1809,86112,37815,614

Standalone Cash Flows (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity-350-231458-548526-876-347-989351,320
Cash from Investing Activity-2.08-120-84-14-167-280-158-266-263-1,059
Cash from Financing Activity399350-285658210915885213-322268
Net Cash Flow47-0.888897569-241381-150349529

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Frequently Asked Questions about Suryoday Small Finance Bank Ltd

Suryoday Small Finance Bank Ltd (SURYODAY) is currently trading at 134.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Suryoday Small Finance Bank Limited offers a comprehensive range of financial products catering to economically weak groups, including microfinance, mortgages, and MSME loans, predominantly focusing on women from lower economic backgrounds. The bank reported a robust Y-o-Y growth in its gross advances, showcasing a 24.3% increase, while deposits saw a 32.5% rise, highlighting growth in both lending and saving segments. The transition from Joint Liability Group (JLG) loans to individual loans in their Inclusive Finance sector is a key strategic shift, with individual loans constituting 72% of the portfolio now, offering better customer quality and portfolio granularity. Asset quality saw some stress with GNPA rising to 6.6%, but coverage under the Credit Guarantee Fund for Micro Units (CGFMU) mitigates potential losses, safeguarding the bank's financial health. The bank's focus on digital expansion is yielding results, particularly in digitally sourced deposits which comprised 30% of new deposits, reflecting a successful pivot to a more digital banking model.

Over the past 52 weeks, Suryoday Small Finance Bank Ltd has traded between a low of ₹90.00 and a high of ₹161.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Suryoday Small Finance Bank Ltd has a market capitalization of approximately 1,392.93. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Suryoday Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 20.81 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,392.93 Cr, Suryoday Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Suryoday Small Finance Bank Ltd operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Suryoday Small Finance Bank Ltd is 20.81. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.