Suryoday SFB Q2FY27 Advances Grow 34.6% YoY to ₹14,972 Cr; Deposits Up 35%
Suryoday Small Finance Bank reported Q2FY27 provisional results. Gross Advances grew 34.6% YoY to ₹14,972 Cr. Total Deposits increased 35.0% YoY to ₹16,184 Cr, with retail deposits up 32.5% and bulk deposits up 50.1%. GNPA improved to 2.9%.
The reported financial performance, especially the substantial growth in advances and deposits and the improvement in asset quality, is expected to have a significant positive impact on the bank's financial standing and investor confidence.
The bank demonstrated strong year-on-year growth in key metrics like Gross Advances and Total Deposits, along with a significant improvement in Gross Non-Performing Assets (GNPA).
Suryoday Small Finance Bank Limited announced its financial results for the second quarter of FY27, ending September 30, 2026. The bank reported Gross Advances of ₹14,972 Crore, marking a significant year-on-year growth of 34.6% from ₹11,124 Crore in Q2FY26. This includes a write-off of ₹591 Crore.
Disbursements for the quarter reached ₹3,095 Crore, a 27.4% increase YoY, with disbursements excluding the Securitised Commercial Finance (SCF) portfolio growing by 27.8% YoY to ₹2,625 Crore. The bank's total deposits saw a substantial rise of 35.0% YoY to ₹16,184 Crore. Retail deposits grew by 32.5% YoY to ₹13,670 Crore, while bulk deposits surged by 50.1% YoY to ₹2,514 Crore.
CASA (Current Account Savings Account) deposits increased by 26.8% YoY to ₹3,142 Crore, though the CASA ratio slightly decreased to 19.4% from 20.7% in the previous year. The bank maintained a strong collection efficiency, with CE-1 EMI at 97.7%, CE-Current bucket at 99.1%, and CE-IF at 99.3%. Gross Non-Performing Assets (GNPA) improved significantly, standing at 2.9% compared to 6.5% in Q1FY27 and 9.3% in Q2FY26. The provision for GNPA was ₹135.77 Crore, resulting in Net Non-Performing Assets (NNPA) of ₹224.51 Crore. The amount claimable under the Credit Guarantee Fund for Micro and Small Enterprises (CGFMU) was ₹180.00 Crore.
The management highlighted that the bank continues to cover its eligible portfolio under the Credit Guarantee Scheme as a prudent risk management practice. These figures are provisional and unaudited, subject to review by the Audit Committee and Board of Directors, and limited review by statutory auditors.
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