Suryoday Small Finance Bank Reports Financial Performance for Q4 FY’26
Suryoday Small Finance Bank Limited announced its financial performance for the quarter and year ended March 31, 2026, reporting significant growth across key metrics.Gross Advances reached ₹13,201 crore, reflecting a 29% year-over-year (Y-o-Y) increase, while disbursements for the quarter grew by 46% Y-o-Y to ₹3,077 crore. The bank's deposits registered a 32% Y-o-Y growth, with CASA (Current, Savings, and Account) rising 42% Y-o-Y.
Here's a summary of the financial performance:
| Particulars | Q4 FY ' 26 | Q3 FY ' 26 | Q-o-Q | Q4 FY ' 25 | Y-o-Y | FY ' 26 | FY ' 25 | YOY |
|---|---|---|---|---|---|---|---|---|
| Gross Advances* | 13,201 | 11,885 | 11% | 10,251 | 29% | 13,201 | 10,251 | 29% |
| Disbursement | 3,077 | 2,698 | 14% | 2,101 | 46% | 10,466 | 6,989 | 50% |
| Disbursement (excluding SCF) | 2,746 | 2,257 | 22% | 1,829 | 50% | 8,976 | 6,615 | 36% |
| Total Deposit | 13,958 | 12,865 | 8% | 10,580 | 32% | 13,958 | 10,580 | 32% |
| Retail | 12,003 | 11,188 | 7% | 8,585 | 3% | 12,003 | 8,585 | 40% |
| Bulk | 1,955 | 1,677 | 17% | 1,995 | -2% | 1,955 | 1,995 | -2% |
| CASA | 3,141 | 2,731 | 15% | 2,212 | 42% | 3,141 | 2,212 | 42% |
| CASA [%] | 22.5% | 21.2% | 20.9% | 22.5% | 20.9% | |||
| CE - 1 EMI [%] # | 98.2% | 96.5% | 93.4% | 98.2% | 93.4% | |||
| CE - Overall [%] @ | 99.5% | 99.4% | 92.3% | 99.5% | 92.3% | |||
| CE - IF [%]^ | 99.6% | 99.3% | 98.5% | 99.6% | 98.5% | |||
| GNPA [%] 6 | 6.5% | 6.6% | 7.2% | 6.5% | 7.2% |
The bank continues to cover its eligible portfolio under the Credit Guarantee Scheme, with approximately 98% of its Inclusive Finance portfolio covered as of March 2026. Credit-line on UPI adoption surpassed 500,000 customers, and digital deposits stand at approximately ₹1,867 crore.
Breakdown of GNPA, NNPA, and CGFMU claimable as of March 31, 2026:
| Description | Amount |
|---|---|
| GNPA | 864 |
| Provision | 317 |
| NNPA | 547 |
| Claimable under CGFMU | 513 |
The figures presented are provisional and unaudited, subject to review and approval by the Audit Committee and Board of Directors, and subsequent audit by the statutory auditors.
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