Suryoday Small Finance Bank Approves Q1 Unaudited Financial Results; Profitability and Ratios Announced
Suryoday Small Finance Bank Limited released its unaudited financial results for the quarter (Q-1) ended June 30, 2026. The outcomes were reviewed and approved by the Board of Directors during a meeting held on July 23, 2026, following receipt of the Limited Review Report from the Joint Statutory Auditors, M/s Mukund M. Chitale & Co. and M/s Gokhale & Sathe.The results reflect the Bank's operational performance, with key metrics released across income statements, capital adequacy, and asset quality ratios for Q-1 2026 compared to the previous year’s corresponding quarter (Q-1 ended June 30, 2025).
Financial Performance Snapshot
The unaudited results provide a view of the Bank's overall income structure. Total Income stood at 77.022 Lakhs for Q-1 ended June 30, 2026. Operations Expenses were reported at 32.503 Lakhs, resulting in a Total Expenditure of 63.166 Lakhs (including operations expenses).The Bank recorded Net Profit from Ordinary Activities after tax stand at 7.518 Lakhs for the quarter. The Capital Adequacy Ratio (CAR) was reported at 20.030%, with Gross NPA ratio standing at 6.600% and Net NPA ratio at 4.210%.
Key financial figures for Suryoday Small Finance Bank Limited are summarized below:
| Particulars | Quarter ended June 30, 2026 (Unaudited) | Quarter ended March 31, 2026 (Audited) | Quarter ended June 30, 2025 (Unaudited) |
|---|---|---|---|
| Total Income | 77.022 Lakhs | 69.189 Lakhs | 60.342 Lakhs |
| Interest Expended | 30.663 Lakhs | 28.504 Lakhs | 24.803 Lakhs |
| Total Expenditure | 63.166 Lakhs | 58.492 Lakhs | 49.490 Lakhs |
| Net Profit after tax | 7.518 Lakhs | 4.972 Lakhs | 3.528 Lakhs |
Asset Quality and Ratios
The Bank's asset quality metrics were reviewed in the results:| Ratio/Metric | Q-1 ended June 30, 2026 | Q-1 ended March 31, 2026 | Q-1 ended June 30, 2025 |
|---|---|---|---|
| Capital Adequacy Ratio (CAR) | 20.030% | 20.450% | 24.610% |
| Gross NPA to Gross Advances | 6.600% | 6.550% | 8.460% |
| Net NPA to Net Advances | 4.210% | 4.210% | 5.600% |
| Return on Assets | 0.380% | 0.270% | 0.220% |
The Bank confirmed that it did not make any public, rights, or preferential issues during the quarter under review. Furthermore, it confirmed that no non-convertible debt securities were issued during Q-1 ended June 30, 2026, and the Bank holds no outstanding secured listed non-convertible debt securities as of June 30, 2026.
Segmental Business Breakdown
The operational segments for the quarter ended June 30, 2026, show the following breakdown in income from operations:| Operating Segment | Income from Operations (Lakhs) |
|---|---|
| Retail Banking | 70.827 |
| Treasury | 1.178 |
| Corporate | 4.765 |
| Other Banking Operations | 0.366 |
The total segment assets for the quarter stood at 20.20,389 Lakhs, with Retail Banking contributing 12.08,015 Lakhs to the segment assets.
Debt and Indebtedness Status
Regarding the Bank's borrowing profile, disclosures confirmed that as of June 30, 2026, the total financial indebtedness, including short-term and long term debt (referring to borrowings from other banks and financial institutions), was reported at 2.64,045 Lakhs.The Board also noted that the Bank carries a floating provision of 6,427 Lakhs as on June 30, 2026.
SURYODAY Stock Price Movement
Suryoday Small Finance Bank Limited shares surged today, climbing 8.68% in the domestic session to settle at ₹194.31 after trading closed.The stock made a significant move, achieving its 52-week high during the day and finishing with an impressive trading volume of 3.20 million shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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