Suryoday Small Finance Bank Ltd (NSE: SURYODAY) reported a Profit After Tax of \u20b936.6 crore for the quarter ending December 2025, supported by a 32.5% year-over-year increase in deposits. Diversification into secured lending and digital deposit mobilization continues as individual Vikas Loans now constitute 72% of the inclusive finance book.<\/p>\n\n\n\n
Current stock price, intraday percentage movement, and specific equity analyst commentary are not provided in the source materials. Suryoday Small Finance Bank (SURYODAY) is a scheduled commercial bank that commenced operations as a Small Finance Bank on January 23, 2017. The bank operates 712 banking outlets across 16 states and Union Territories, with a concentrated presence in Maharashtra, Tamil Nadu, and Odisha. As of December 31, 2025, the bank serves approximately 3.8 million customers.<\/p>\n\n\n\n
Gross advances reached \u20b911,885 crore in Q3 FY26, representing a 24.3% increase compared to \u20b99,563 crore in Q3 FY25. Quarterly disbursements stood at \u20b92,698 crore, an 83.9% increase year-over-year. The bank\u2019s total deposit base grew to \u20b912,865 crore, up 32.5% from \u20b99,708 crore in the previous year. Retail deposits account for 87.0% of the total deposit book. The CASA (Current Account Savings Account) ratio improved to 21.2% from 19.5% year-over-year.<\/p>\n\n\n\n
Profit After Tax for Q3 FY26 was \u20b936.6 crore, a 9.8% increase over the \u20b933.3 crore reported in Q3 FY25. Pre-provision operating profit (PPOP) rose 24.7% year-over-year to \u20b989.0 crore. The yield on advances was 16.8%, while the cost of funds stood at 7.6%. Net Interest Income (NII) for the quarter was \u20b9276.8 crore, reflecting a 3.2% year-over-year growth.<\/p>\n\n\n\n
Gross Non-Performing Assets (GNPA) stood at 6.6% as of December 2025, compared to 5.5% in December 2024. Net Non-Performing Assets (NNPA) were 4.3%, up from 3.1% in the previous year. The Provision Coverage Ratio (PCR), excluding technical write-offs, declined to 36.6% from 44.7% year-over-year. Out of the total NNPA of \u20b9501 crore, approximately \u20b9467 crore is receivable under the CGFMU (Credit Guarantee Fund for Micro Units) scheme.<\/p>\n\n\n\n
For the nine-month period ended December 31, 2025, the bank reported a PAT of \u20b9102.2 crore, a 31.3% decrease compared to \u20b9148.7 crore in the same period of the prior year. NII for the nine-month period decreased 9.2% to \u20b9782.2 crore. Capital adequacy remains at 21.9%, with Tier I capital at 21.0%.<\/p>\n\n\n\n
The bank\u2019s full-year guidance for FY26 projects advances growth between 30% and 35%. Deposits are expected to grow by 40% to 45% for the full year. The bank aims to achieve a secured asset mix of 55%, up from 46.7% in Q3 FY25. Strategic focus areas include scaling MSME lending, increasing individual Vikas Loans, and expanding digital deposits. Digital deposits currently exceed \u20b91,400 crore, contributing over 11% of the total liability book.<\/p>\n\n\n\n
Specific 52-week context, market capitalization, and recent intraday trends are not contained in the sources. Potential reasons for investor caution include the year-over-year increase in GNPA from 5.5% to 6.6% and the decrease in the Provision Coverage Ratio. Additionally, the 31.3% decline in PAT for the nine-month period indicates a downward trend in profitability for the current fiscal year compared to the previous period.<\/p>\n","protected":false},"excerpt":{"rendered":"
Suryoday Small Finance Bank Ltd (NSE: SURYODAY) reported a Profit After Tax of \u20b936.6 crore for the quarter ending December 2025, supported by a 32.5% year-over-year increase in deposits. Diversification into secured lending and digital deposit mobilization continues as individual Vikas Loans now constitute 72% of the inclusive finance book. Current stock price, intraday percentage […]<\/p>\n","protected":false},"author":2385,"featured_media":125416,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1941,1],"tags":[151,14716,14614,11592,14715,14714],"class_list":["post-177548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stock-analysis","category-finance-stocks","tag-banking","tag-press-release","tag-small-finance","tag-suryoday","tag-suryoday-bank","tag-suryoday-earnings"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":156037,"url":"https:\/\/alphastreet.com\/india\/suryoday-small-finance-bank-ltd-q2fy24-285-rise-in-profits\/","url_meta":{"origin":177548,"position":0},"title":"Suryoday Small Finance Bank Ltd Q2FY24; 285% rise in Profits","author":"Chirag Gupta","date":"November 9, 2023","format":false,"excerpt":"Incorporated in 2008, Suryoday Small Finance Bank Ltd is a leading Small Finance Bank(SFB) in India. 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