Suryoday SFB Q2 FY27: PAT up 151.7% to ₹76.5 Cr, loan book up 34.6%, deposits up 35.0%
Q2 FY27 PAT up 151.7% YoY to ₹76.5 Cr; loan book up 34.6% to ₹14,972 Cr; deposits up 35.0%; GNPA down to 2.9%.
By ScoutQuest · · 1 min read
- Q2 FY27 PAT
- ₹76.5 Cr, up 151.7% YoY
- Gross Advances
- ₹14,972 Cr, up 34.6% to
- GNPA
- fell to 2.9% from 5.9%
- Period
- Quarter and half year ended September 30, 2026
- Positioning
- Suryoday presents itself as a small finance bank pivoting from group microfinance to individual loans and retail assets, and as a market leader in partner-led digital deposits.
📉 Q2 FY27 PAT was ₹76.5 Cr, up 151.7% YoY, with PPOP of ₹145.5 Cr (up 83.8%) and NII of ₹368.8 Cr (up 42.8%). H1 FY27 PAT of ₹151.7 Cr is said to exceed full-year FY26. RoA was 1.5% and cost-to-income fell to 70.6%.
📉 Gross advances rose 34.6% to ₹14,972 Cr and deposits 35.0% to ₹16,184 Cr, while GNPA fell to 2.9% from 5.9% and NNPA to 1.5%; the company states NNPA adjusted for CGFMU claims is 0.3%. CASA ratio slipped to 19.4%.
💰 Management guides FY27 advances and deposit growth of 30% to 35%, RoA of 1.3% to 1.4% and RoE of 13% to 14% (about 2x PAT), and GNPA ~3% with NNPA <0.3% CGFMU adjusted; the presentation says Q2 already meets these ranges. It also lists 100 new branches and 2x growth in Credit Line on UPI and digital deposits.
🎯 The company says retail assets are growing at 45% YoY, with CV up 36.0% and mortgage up 35.8%, and targets an asset mix of 45:55 versus current 41:59; it cites ~14.2 lakh pre-qualified Credit on UPI customers and a CLOU book of ₹371 Cr.
Also from Suryoday Small Finance Bank
Q2 FY27 press release: profit after tax Rs. 76.5 Cr, gross advances Rs. 14,972 Cr, GNPA 2.9%
29 Oct 2026
Board approves Q2 and H1 FY27 unaudited results; auditors' limited review finds no material misstatement
29 Oct 2026
Board approves raising up to Rs. 100 crore via Lower Tier II non-convertible debentures
23 Oct 2026
More numbers
- Profit after tax, Q2 FY2776.5 (₹ Cr.)
- PAT growth YoY, Q2 FY27151.7%
- Profit after tax, H1 FY27151.7 (₹ Cr.)
- Net interest income, Q2 FY27368.8 (₹ Cr.)
- Operating profit after CGFMU, Q2 FY27145.5 (₹ Cr.)
- Gross advances incl. IBPC, Q2 FY2714,972 (₹ Cr.)
- Deposits, Q2 FY2716,184 (₹ Cr.)
- GNPA ratio, Q2 FY272.9%
- NNPA ratio, Q2 FY271.5%
- NIM, Q2 FY277.2%
- ROA, Q2 FY271.5%
- Book value per share, Q2 FY27₹ 208.6
- CLOU book₹371 Cr.
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