Disclosure under Regulation 30 read with Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
SURYODAY · price
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Suryoday Small Finance Bank reported strong business growth for the quarter ended December 31, 2025. Gross Advances rose 23% year-on-year to ₹11,810 crore, while disbursements jumped 84% Y-o-Y to ₹2,698 crore. Total deposits grew 33% Y-o-Y to ₹12,865 crore, with retail deposits up 42% and CASA deposits up 44% to ₹2,731 crore, improving the CASA ratio to 21.2% from 19.5% a year ago. Collection efficiency improved sharply, with the 1-EMI collection efficiency at 96.50% and overall at 99.4%. However, gross non-performing assets (GNPA) rose to 6.7% from 5.9% in Q2 and 5.5% in Q3 FY25, with management noting that ~98% of the inclusive finance portfolio is covered under the CGFMU credit guarantee scheme, which helps mitigate credit risk.
The strong growth in advances, deposits, and CASA shows healthy business momentum, while improved collection efficiency is a positive sign. However, the steady rise in GNPA is a concern that investors should watch closely, though the high CGFMU coverage limits the actual credit loss risk. Numbers are provisional and subject to audit committee and statutory auditor review.