Suryoday Small Finance Bank management discussed microfinance exposure to agri-allied regions, asset quality trends, rate hike impact on margins, and growth guidance; stock spiked after the interview

Tue 6 Oct 2026

Agri-linked microfinance exposure

30 percent

Microfinance share of portfolio

50 percent

Customer segment impacted

10 to 15 percent

Collection efficiency range

99.2 to 99.3 percent

Gross NPA target

3 percent

Heard on business television between 13:45:08 - 13:48:08 IST.

• Management said ~30% of microfinance book (itself 50% of portfolio) is in agri-allied areas, with 10-15% of customers somewhat impacted, mainly in Solapur and Latur.
• Collection efficiency may dip marginally from 99.2-99.5% range but expected to bounce back; impact seen as temporary.
• Gross NPA guidance of around 3% maintained, with write-offs adjusted using CGTMSE reimbursement.
• On a possible RBI rate hike, management said a 25 bps hike would have marginal impact on cost of funds and NIMs, with only ~30% of book linked to repo rates.
• Microfinance growth expected at ~20%, overall growth 30-35%, with FY27 guidance maintained and FY28 expected to stay robust.

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