Suryoday SFB Q4 FY26: Advances Up 29.4%, Deposits Up 32.3%, PAT ₹49.7 Cr
Suryoday Small Finance Bank reported Q4 FY26 results with gross advances up 29.4% YoY to ₹13,261 Cr and deposits up 32.3% YoY to ₹13,994 Cr. PAT was ₹49.7 Cr. The bank aims for 30-35% growth in advances and deposits in FY27, targeting RoA of 1.3-1.4% and RoE of 13-14%.
The announcement details robust financial performance and strategic growth plans for the upcoming fiscal year, which are material to investors and stakeholders.
The bank reported strong year-on-year growth in advances, deposits, and net interest income, along with a significant improvement in profitability (PAT) and asset quality metrics. The forward-looking guidance also indicates positive growth expectations.
Suryoday Small Finance Bank Limited has announced its audited financial results for the quarter and financial year ended March 31, 2026. The bank reported a significant year-on-year growth in key metrics.
Gross advances increased by 29.4% to ₹13,261 crore, while deposits grew by 32.3% to ₹13,994 crore. The bank's Net Interest Income (NII) saw a substantial rise of 29.4% to ₹316.6 crore in Q4 FY26. Profit After Tax (PAT) for the quarter stood at ₹49.7 crore, a notable increase from a loss of ₹33.8 crore in Q4 FY25. The Cost to Income (CTI) ratio improved significantly, decreasing by 1,099 basis points year-on-year to 73.7%.
The bank highlighted a strong performance in its Inclusive Finance (IF) segment, with disbursements of approximately ₹1,550 crore in Q4 FY26, an increase of 88.2% year-on-year. Vikas Loan, which constitutes 75% of the IF book, saw its highest ever quarterly disbursement of ₹1,226 crore. The Retail Assets segment also showed robust growth, with CV and Mortgage disbursements reaching ₹739 crore, up 22.4% year-on-year.
Asset quality showed continuous improvement, with GNPA at 6.5% and NNPA at 4.2% as of March 2026. The bank also reported that ₹508 crore is receivable under the CGFMU scheme against NNPA of ₹541.9 crore. Slippages reduced to ₹106 crore in Q4 FY26 from ₹155 crore in Q3 FY26.
Looking ahead, Suryoday SFB aims for 30% to 35% growth in advances and deposits for FY27. Profitability targets include a Return on Assets (RoA) of 1.3% to 1.4% and a Return on Equity (RoE) of 13% to 14%. The bank is also focusing on expanding its branch network by 100 new branches and aims for GNPA to be around 3% and NNPA below 0.3% (CGFMU adjusted).
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See the model portfoliosA plain-language summary of a public exchange filing by Suryoday Small Finance Bank Limited. Read the original for the full detail.