Suryoday Small Finance Bank Ltd (BOM:543279)

Q1 2027 Suryoday Small Finance Bank Ltd Earnings Call Transcript

Jul 23, 2026 / 04:30 AM GMT

Release Date Price: ₹192.6 (-1.18%)

Transcript

Key Points

Positve

Suryoday Small Finance Bank Ltd (BOM:543279) reported a strong year-on-year growth of 32.5% in gross advances, reaching Rs. 14,376 crores.
The bank's deposit base grew by 29.4% year-on-year, totaling Rs. 14,634 crores, with retail deposits making up 87.3% of the total.
The bank's CASA ratio stood at 21%, with a focus on increasing granular CASA in the coming quarters.
The current bucket collection efficiency for the inclusive finance portfolio was impressive at 99.2%, indicating strong borrower behavior.
Digital initiatives have been successful, with a digital customer base of approximately 1 million and digital deposits amounting to Rs. 2,222 crores.

Negative

The bank's gross non-performing assets (GNPA) stood at 6.5%, which is relatively high, although adjusted GNPA is 2.9% after accounting for CGFMU receivables.
The yield on non-NPA advances decreased from 17.2% to 16.1%, partly due to a reduction in the share of the inclusive finance business.
There is pressure on the cost of funds, particularly in fixed deposits, which have not decreased significantly.
The bank's reliance on PSL income, which contributed significantly to other income this quarter, may not be sustainable in the coming quarters.
The commercial vehicle finance portfolio showed elevated PAR levels due to external factors like fuel prices and load availability, indicating potential stress.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SURO.NS - Suryoday Small Finance Bank Ltd
Q1 2027 Suryoday Small Finance Bank Ltd Earnings Call
Jul 24, 2026 / 04:30AM GMT

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Presentation
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Unidentified_1 [1]
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Finance Bank.

Today from the management, we have Mr. Bhaskar Babu Ramachandran, MD and CEO, Mr. Kanishta Chaudhary, Chief Financial Officer, Mr. Himbadri Das, investor relationship head.

So without any further delay, I will hand it over to the call to management for the opening remarks. Over to you, sir.

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Unidentified_2 [2]
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Thank you, Faish.

Good morning everyone and thank you for joining us for Suryaye Small Finance Bank Limited's Q1 FY27 earnings conference call.

On behalf of the entire

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