Suryoday Small Finance Bank Limited has informed the Exchange about Disclosure under Regulation 30 read with Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
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Suryoday Small Finance Bank reported provisional Q1 FY26 (ended June 30, 2025) business numbers. Gross Advances grew 20% year-on-year to ₹10,846 crore, while disbursements rose 30% YoY to ₹2,261 crore. Total deposits surged 39% YoY to ₹11,312 crore, driven by a strong 44% YoY jump in retail deposits to ₹9,230 crore. However, asset quality worsened sharply with Gross NPAs rising to 8.5% from 7.1% in Q4 FY25 and 2.7% a year ago. CASA ratio dropped to 17.7% from 20.9% sequentially, and collection efficiency (CE-1 EMI) eased to 94.1% from 98.8% YoY. Management highlighted that ~98% of the inclusive finance portfolio (~48% of advances) is covered under the CGFMU credit guarantee scheme, and the bank received ₹56 crore in Q1, representing 100% of its claim for the quarter.
Strong growth in advances, deposits and disbursements signals healthy business momentum and customer traction. However, the sharp jump in GNPA from 2.7% to 8.5% YoY and the drop in CASA ratio are red flags that could weigh on the stock in the short term, though CGFMU coverage offers meaningful protection on nearly half the book. Shareholders should watch for the final audited numbers and any commentary on provisions when results are declared.