Suryoday SFB Q1 FY27 Profit Up 113% YoY to ₹75.2 Cr; Advances Grow 32.5%
Suryoday Small Finance Bank reported Q1 FY27 PAT of ₹75.2 Cr, up 113% YoY. Gross Advances grew 32.5% to ₹14,376 Cr, and Deposits rose 29.4% to ₹14,634 Cr. RoA improved to 1.6% and RoE to 14.5%. GNPA stood at 6.5% and NNPA at 1.2%. The bank expects FY27 advances and deposit growth of 30-35%.
Significant YoY profit growth, robust expansion in key financial metrics like advances and deposits, and positive future guidance indicate a substantial positive impact on the bank's performance and investor outlook.
The bank reported strong YoY growth in profit, advances, and deposits, along with improved asset quality and profitability ratios. The guidance for FY27 is also positive.
Suryoday Small Finance Bank Limited (SSFB) announced its unaudited financial results for the first quarter (Q1) ended June 30, 2026. The bank reported a significant year-on-year (YoY) increase in Profit After Tax (PAT), which grew by 113.1% to ₹75.2 crore, compared to ₹35.3 crore in Q1 FY26.
Gross Advances saw a robust YoY growth of 32.5%, reaching ₹14,376 crore, while Deposits increased by 29.4% YoY to ₹14,634 crore. Net Interest Income (NII) also showed strong growth, up by 27.8% YoY to ₹315.7 crore. The bank's Return on Assets (RoA) improved to 1.6% and Return on Equity (RoE) to 14.5% in Q1 FY27.
Asset quality showed marked improvement, with Gross Non-Performing Assets (GNPA) at 6.5% and Net Non-Performing Assets (NNPA) at 1.2% as of June 2026. The Provision Coverage Ratio (PCR) stood at a healthy 81.8%.
Key business segments like Inclusive Finance (IF) and Retail Assets (RA) contributed significantly, with IF advances growing 23.5% YoY to ₹6,389 crore and Retail Assets growing 40.8% YoY. The bank is focusing on expanding its micro-banking, retail assets (CV and Mortgage), and digital offerings like Credit on UPI and Digital Deposits.
For the full fiscal year FY27, Suryoday SFB has guided for advances growth of 30-35%, deposit growth of 30-35%, RoA of 1.3-1.4%, and RoE of 13-14%. The bank aims to reduce GNPA to approximately 3% and NNPA to below 0.3% (CGFMU adjusted).
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