About
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, current, and special accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro housing loans and micro LAP; home loan; secured business loan; personal loan; MSME loan; merchant loan for business; small business loan; and supply chain finance, as well as joint liability group and individual unsecured loans. In addition, the company offers debit and credit cards; life and general insurance services; social security schemes and mutual funds and broking services; inward and outward remittance services; and internet banking and mobile banking services. The company was incorporated in 2008 and is based in Navi Mumbai, India.
Key Metrics
as of Sep 2026Market Cap1,616 Cr
P/E8.42
Div Yield0.99 %
Book Value₹196.00
52w High₹218.00
52w Low₹115.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 362.00 | 341.00 | 310.00 | 299.00 | 309.00 | 352.00 | 270.00 | 287.00 | 271.00 | 255.00 | 221.00 | 205.00 | 212.00 |
| Other Income | 148.00 | 90.00 | 81.00 | 80.00 | 109.00 | 60.00 | 40.00 | 47.00 | 70.00 | 65.00 | 52.00 | 52.00 | 51.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 307.00 | 285.00 | 267.00 | 261.00 | 248.00 | 226.00 | 220.00 | 207.00 | 195.00 | 174.00 | 165.00 | 154.00 | 133.00 |
| Profit before tax | 102.00 | 66.00 | 48.00 | 39.00 | 47.00 | -47.00 | 38.00 | 60.00 | 93.00 | 80.00 | 76.00 | 68.00 | 63.00 |
| Tax % | 26.00 | 24.00 | 24.00 | 23.00 | 25.00 | -28.00 | 12.00 | 25.00 | 24.00 | 24.00 | 25.00 | 26.00 | 25.00 |
| Net Profit | 75.00 | 50.00 | 37.00 | 30.00 | 35.00 | -34.00 | 33.00 | 45.00 | 70.00 | 61.00 | 57.00 | 50.00 | 48.00 |
| EPS in Rs | 7.07 | 4.68 | 3.44 | 2.86 | 3.32 | -3.18 | 3.13 | 4.27 | 6.59 | 5.73 | 5.39 | 4.74 | 4.48 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1,191.00 | 1,124.00 | 843.00 | 700.00 | 786.00 | 460.00 | 414.00 | 259.00 | 181.00 | 114.00 | 76.00 | 37.00 |
| Other Income | 360.00 | 217.00 | 219.00 | 97.00 | 94.00 | 76.00 | 87.00 | 67.00 | 38.00 | 11.00 | 1.00 | 0.00 |
| Interest | 1,062.00 | 848.00 | 626.00 | 437.00 | 357.00 | 366.00 | 276.00 | 190.00 | 123.00 | 115.00 | 95.00 | 55.00 |
| Depreciation | 68.00 | 56.00 | 51.00 | 43.00 | 19.00 | 15.00 | 10.00 | 6.00 | 5.00 | 2.00 | 1.00 | 1.00 |
| Profit before tax | 200.00 | 144.00 | 288.00 | 101.00 | -127.00 | 12.00 | 154.00 | 143.00 | 16.00 | 24.00 | 27.00 | 25.00 |
| Tax % | 24.00 | 20.00 | 25.00 | 23.00 | -27.00 | 2.00 | 28.00 | 37.00 | 36.00 | 37.00 | 0.00 | 34.00 |
| Net Profit | 152.00 | 115.00 | 216.00 | 78.00 | -93.00 | 12.00 | 111.00 | 90.00 | 10.00 | 15.00 | 27.00 | 17.00 |
| EPS in Rs | 14.30 | 10.82 | 20.34 | 7.32 | -8.76 | 1.12 | 12.84 | 11.08 | 1.50 | 2.36 | 7.16 | 5.11 |
| Dividend Payout % | 10.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 106.00 | 106.00 | 106.00 | 106.00 | 106.00 | 106.00 | 87.00 | 82.00 | 68.00 | 64.00 | 38.00 | 33.00 |
| Reserves | 1,972.00 | 1,821.00 | 1,699.00 | 1,479.00 | 1,399.00 | 1,491.00 | 980.00 | 799.00 | 472.00 | 437.00 | 159.00 | 99.00 |
| Other Liabilities | 689.00 | 397.00 | 352.00 | 344.00 | 270.00 | 193.00 | 185.00 | 163.00 | 156.00 | 60.00 | 39.00 | 31.00 |
| Total Liabilities | 19,884.00 | 15,614.00 | 12,378.00 | 9,861.00 | 8,180.00 | 6,712.00 | 5,365.00 | 3,761.00 | 2,164.00 | 1,604.00 | 1,193.00 | 757.00 |
| Fixed Assets | 293.00 | 156.00 | 152.00 | 163.00 | 66.00 | 35.00 | 30.00 | 18.00 | 13.00 | 6.00 | 2.00 | 2.00 |
| CWIP | 5.00 | 135.00 | 17.00 | 1.00 | 49.00 | 8.00 | 8.00 | 1.00 | 1.00 | 2.00 | 0.00 | 0.00 |
| Investments | 3,693.00 | 3,137.00 | 2,599.00 | 2,570.00 | 2,058.00 | 1,874.00 | 808.00 | 664.00 | 311.00 | 594.00 | 0.00 | 1.00 |
| Other Assets | 15,893.00 | 12,187.00 | 9,610.00 | 7,127.00 | 6,007.00 | 4,795.00 | 4,518.00 | 3,078.00 | 1,839.00 | 1,002.00 | 1,190.00 | 754.00 |
| Total Assets | 19,884.00 | 15,614.00 | 12,378.00 | 9,861.00 | 8,180.00 | 6,712.00 | 5,365.00 | 3,761.00 | 2,164.00 | 1,604.00 | 1,193.00 | 757.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 652.00 | 1,320.00 | 935.00 | -98.00 | -347.00 | -876.00 | 526.00 | -545.00 |
| Cash from Investing Activity | -792.00 | -1,059.00 | -263.00 | -266.00 | -158.00 | -280.00 | -167.00 | -14.00 |
| Cash from Financing Activity | 412.00 | 268.00 | -322.00 | 213.00 | 885.00 | 915.00 | 210.00 | 655.00 |
| Net Cash Flow | 273.00 | 529.00 | 349.00 | -150.00 | 381.00 | -241.00 | 569.00 | 97.00 |
| Free Cash Flow | 577.00 | 1,143.00 | 879.00 | -190.00 | -438.00 | -896.00 | 496.00 | -556.00 |
| CFO/OP % | 73.00 | 166.00 | 127.00 | -20.00 | -212.00 | -267.00 | 169.00 | -177.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
5 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 17 Jul 2026 | 17 Jul 2026 | — | 1.50 | |
| Other | 05 Sep 2024 | — | — | — | Annual General Meeting |
| Other | 07 Sep 2023 | — | — | — | Annual General Meeting |
| Other | 18 Aug 2022 | — | — | — | Annual General Meeting |
| Other | 13 Sep 2021 | — | — | — | Annual General Meeting |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update17 Mar from icra
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Rating update21 Nov 2025 from crisil
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Rating update18 Mar 2025 from icra
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Rating update22 Nov 2024 from crisil
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Rating update19 Mar 2024 from icra
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Rating update24 Nov 2023 from crisil