Suryoday SFB Q2 FY27 PAT Jumps 151% YoY to ₹76.5 Cr, Advances Up 34.6%
Suryoday Small Finance Bank reported a Q2 FY27 Profit After Tax of ₹76.5 Cr, a 151% YoY increase. H1 FY27 PAT was ₹151.7 Cr, up 131%. Gross Advances grew 34.6% YoY to ₹14,972 Cr, and Deposits rose 35% YoY to ₹16,184 Cr. GNPA improved to 2.9%.
The substantial increase in profitability and key business metrics like advances and deposits, coupled with improved asset quality, are material positive developments for the bank and its investors.
The bank has reported significant year-on-year growth in profit after tax, advances, and deposits, along with an improvement in asset quality (GNPA reduction), indicating strong financial performance.
Suryoday Small Finance Bank Limited announced its unaudited financial results for the quarter and half-year ended September 30, 2026.
The bank reported a Profit After Tax (PAT) of ₹76.5 Cr for Q2 FY27, a significant increase of 151.0% year-on-year from ₹30.4 Cr in Q2 FY26. For the half-year ended September 30, 2026 (H1 FY27), PAT stood at ₹151.7 Cr, up 131.0% year-on-year from ₹65.7 Cr in H1 FY26.
Key business highlights for Q2 FY27 include Gross Advances reaching ₹14,972 Cr, a 34.6% year-on-year increase. Disbursements grew by 27.4% year-on-year to ₹3,096 Cr. Total Deposits increased by 35.0% year-on-year to ₹16,184 Cr. The bank also saw an improvement in asset quality, with Gross Non-Performing Assets (GNPA) declining to 2.9% as of September 2026.
For H1 FY27, Gross Advances were ₹14,972 Cr (up 34.6% YoY), and Disbursements were ₹6,050 Cr (up 29.0% YoY). Deposits stood at ₹16,184 Cr (up 35.0% YoY). The customer base grew by 92.0% to approximately 7 million.
Mr. Baskar Babu Ramachandran, MD & CEO, commented, "We continued to deliver healthy business growth, supported by sustained momentum in advances, disbursements and deposits." He highlighted the focus on disciplined growth, robust underwriting, strong collection efforts, and enhancing operating efficiency, with an intention to grow the digital banking division. He also noted the improvement in asset quality and a prudent approach to maintain sustainable profitability.
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