Companies›Financial Services›Financial Services›Banks
NSE:SURYODAY

SURYODAY SMALL FIN BK LTD

Financial Services › Banks
₹130.34
at close · 27 Oct 2026
▲ 0.84 (+0.65%)

Latest filings

Next results: Thu, 29 Oct · Financial Results
  1. Board approves Rs 100 Cr Lower Tier II NCD issuance via private placement · Board & Shareholder Meetings
  2. Board to consider raising funds via Tier II NCDs on private placement · Fund Raising
  3. RBI approves remuneration for MD & CEO and Executive Director · Management Changes
All filings ↓
Ask Nexa about SURYODAY SMALL FIN BK LTD

Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

A small finance bank with 717 offices across 15 states and 8,759 employees, focused on financial inclusion through a retail-led model. Retail Banking generates 84.3% of segment revenue, offering microfinance, commercial vehicle finance, mortgages, and deposit products to retail and small-business customers. The bank is shifting its microfinance book from joint-liability group lending to individual Vikas loans, with 80% of monthly onboarding now individual. Treasury contributes 9.4% and Corporate banking 4.9% (the latter loss-making at EBIT), with the corporate book in run-down. The dominant cost line is the cost of funds (deposits), while credit cost is a major earnings swing factor, partly offset by Credit Guarantee Fund for Micro Units (CGFMU) claims of ₹387 cr received in Q1 FY27. FY26 net profit was ₹151.97 cr on total assets of ₹19,883.96 cr.

Revenue mix · reported segments
Retail Banking84.3%
Treasury9.4%
Corporate4.9%
Other Banking Operations1.4%
Operating scale
Gross advances
₹14,376 crQ1 FY27
Deposits
₹14,634 cr (87.3% retail, 21% CASA)Q1 FY27
Commercial vehicle portfolio
₹1,819 crQ4 FY26
Mortgage book
₹3,013 crQ4 FY26
Digital deposits
₹2,222 cr; ~6 lakh Credit-on-UPI active usersQ1 FY27
Branch expansion plan
50 new branches planned in Q2-Q3 FY27
Who pays it
Microfinance borrowers (JLG and individual Vikas), retail depositors, MSME borrowers, commercial vehicle buyers, mortgage borrowers
Biggest cost
Cost of funds (deposits), guided at 7.5% in FY27
Kind of business
Retail-led small finance bank with microfinance core; transitioning from JLG to individual lending and building secured retail book
Where it sits
Small finance bank with ₹19,883.96 cr total assets (FY26) and 717 offices across 15 states; focused on microfinance and inclusive retail banking
Market Cap
₹1,385 Cr
P / E (TTM)
7.2×
EV / EBITDA
—
Div Yield
—
Growth
—·
Revenue 5y CAGR
PAT +66.5% · EBITDA —
Quality
—·
ROCE (FY26)
ROE — · margin —
Leverage
—·
Debt / Equity · not read for a lender
Moves on a normal day
1.46%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 8 Other Bank peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#2/8
Profit growth#4/9

Scorecard

Measured from the filed financials, judged against its Other Bank peers · as of FY26 — not investment advice

Strengths
Profit compounding 67% a year over 5 years
Concerns
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

SURYODAY · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

Loading peers…

Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

Loading financials…

Ownership

Who owns it — and is the promoter stake clean?

Loading shareholding…

Sign up to see the full company file

Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.

Common questions

Answered from SURYODAY SMALL FIN BK LTD's filed financials and exchange disclosures

What does SURYODAY SMALL FIN BK LTD do?

SURYODAY SMALL FIN BK LTD is a Banks company listed on NSE and BSE, trading under the symbol SURYODAY.

Is SURYODAY SMALL FIN BK LTD profitable?

Yes. Over the trailing twelve months SURYODAY SMALL FIN BK LTD reported a net profit of ₹192 Cr.

Does SURYODAY SMALL FIN BK LTD pay a dividend?

Not in the latest reported year — SURYODAY SMALL FIN BK LTD's dividend payout for FY26 was nil.

Is SURYODAY SMALL FIN BK LTD expensive compared with its peers?

On trailing P/E, SURYODAY SMALL FIN BK LTD ranks 2 of 8 in Other Bank — cheaper than 86% of them, against an industry median of 13.2×. This is a position, not a valuation judgement.

How much does the SURYODAY SMALL FIN BK LTD share price move in a day?

On a typical session SURYODAY SMALL FIN BK LTD moves 1.46% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

When are SURYODAY SMALL FIN BK LTD's next results?

Financial Results on Thu, 29 Oct. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track SURYODAY SMALL FIN BK LTD's announcements?

Every NSE and BSE filing by SURYODAY SMALL FIN BK LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.