Suryoday Small Finance Bank Limited (SURYODAY)

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Suryoday Small Finance Bank Limited (SURYODAY) · mywealthgrid

About

Suryoday Small Finance Bank is a regulated bank in India's small finance banking segment, serving retail and underserved customers. With a market cap of ₹1,616.4 Cr and recent quarterly revenues of ₹622.36 Cr (Jun 2026), it operates as a mid-tier player in the small finance space. The bank has demonstrated strong profitability recovery post-Mar 2025.

Face value: ₹10

Market cap

₹1,526 Cr

P/E

10.0×

P/B

—

Dividend yield

ROE

—

ROCE

—

Debt / equity

—

OPM

—

EPS (TTM)

₹14.3

Book value

—

52-week high

—

52-week low

—

Key insights

Company research notes and source-linked reviews

Key risks

Earnings volatility: ₹33.78 Cr loss in Mar 2025 followed by ₹49.72 Cr profit in Mar 2026; verify if one-time items or structural weakness
Operating margins of 41-44% are unusual for banking; verify what cost categories are included or omitted from the earnings statement
Asset quality metrics unavailable (ROE and D/E not disclosed); verify NPA levels, provisioning adequacy, and capital structure ratios
Deposit and liquidity profile: typical risk for small finance banks; verify CASA composition, deposit stability, and funding concentration

Generated analysis · source review pending

Growth drivers

Revenue grew 25.7% YoY (Jun 2025: ₹495.17 Cr → Jun 2026: ₹622.36 Cr); verify sustainability via branch expansion and market-share trends
Net profit up 113% YoY (Jun 2025: ₹35.28 Cr → Jun 2026: ₹75.18 Cr); verify if driven by cost discipline, credit normalization, or one-time reversal
Operating margins recovered from 25.3% (Mar 2025) to 41.88% (Jun 2026); assess whether recovery is durable or reflects temporary tailwinds
Dividend payment (Jul 2026) signals capital-generation capacity; monitor deployment in branch expansion and lending-growth capex

Generated analysis · source review pending

1,359 historical price candles were omitted because the exchange source has not been verified.

₹143.6-0.8%1Y

Quick read

rule-based

Pros

No positive flags triggered.

Cons

−Weak interest coverage of 0.3×
−Low dividend payout of 10.5% of profit
−Low promoter holding of 22.5%

Research score

Structured signal from quality, growth, valuation and momentum.

49/100

Business quality: 0
Valuation: 98

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Au Small Finance Bank LimitedAUBANKAUBANK	₹73,926 Cr	—	₹4,950 Cr	—	—	₹1,171 Cr	23.7%	—	—	—
Ujjivan Small Finance Bank LimitedUJJIVANSFBUJJIVANSFB	₹12,761 Cr	—	₹6,354 Cr	—	—	₹726 Cr	11.4%	—	—	—
Equitas Small Finance Bank LimitedEQUITASBNKEQUITASBNK	₹7,824 Cr	₹13,597 Cr	₹7,106 Cr	₹3,104 Cr	39.6%	₹510 Cr	1.5%	6.4%	1.7%	—
Jana Small Finance Bank LimitedJSFBJSFB	₹5,080 Cr	₹10,576 Cr	₹5,648 Cr	₹2,232 Cr	40%	₹380 Cr	6.1%	7.4%	7.6%	—
Utkarsh Small Finance Bank LimitedUTKARSHBNKUTKARSHBNK	₹2,390 Cr	₹5,219 Cr	₹3,381 Cr	₹239 Cr	5.1%	₹-945 Cr	-34.1%	1.5%	-40%	—
Esaf Small Finance Bank LimitedESAFSFBESAFSFB	₹2,239 Cr	₹4,992 Cr	₹4,008 Cr	₹1,234 Cr	38.6%	₹-5 Cr	-3.8%	5.6%	-8.9%	—
Suryoday Small Finance Bank LimitedSURYODAYSURYODAY	₹1,526 Cr	—	₹2,160 Cr	—	—	₹152 Cr	7%	—	—	—
Capital Small Finance Bank LimitedCAPITALSFBCAPITALSFB	₹1,263 Cr	—	₹794 Cr	—	—	₹112 Cr	14%	—	—	—
Fino Payments Bank LimitedFINOPBFINOPB	₹1,067 Cr	₹2,602 Cr	₹259 Cr	₹-1,027 Cr	-425%	₹21 Cr	21.1%	4.5%	6.8%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2024	Mar 2025	Mar 2026
	1,589	1,954	2,160
Interest	626	848	1,062
Expenses	728	934	1,074
Financing profit	234	172	24
Financing margin %	14.8%	8.8%	1.1%
Other income	219	217	360
Depreciation	—	—	—
Profit before tax	—	—	—
Tax	—	—	—
PAT	216	115	152
EPS (₹)	20.3	10.8	14.3
	0%	0%	10.5%
Annual report	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

Compounded sales growth

7 years: —
5 years: —
3 years: —
1 year: 11%

Compounded profit growth

7 years: —
5 years: —
3 years: —
1 year: 32%

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	13.6%	5.9%	7%
Return ratios
Return on assets %	—	—	—
Return on capital employed %	—	—	—
Return on equity %	—	—	—

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	22.4%	22.4%	22.4%	22.39%	22.3%	22.3%	22.44%	22.44%	22.44%	22.44%	22.48%	22.48%
	2.16%	2.91%	2.91%	3.02%	3.5%	4.8%	4.67%	4.68%	4.66%	4.97%	5.23%	5.35%
	18.38%	17.01%	14.04%	12.65%	8%	5.89%	5.66%	5.93%	6.62%	6.11%	5.72%	5.47%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	57.06%	57.68%	60.65%	61.94%	66.2%	67.01%	67.23%	66.95%	66.28%	66.48%	66.57%	66.7%
No. of shareholders	—	—	—	—	—	—	—	—	1,02,098	99,138	95,026	89,688

Promoter holding up 0.08 percentage points since Sep 2023.

1 disclosure

Person	Deal	Shares	Value	Holding	Filed
SAMEER SRINIVAS RANADEEmployees/Designated Employees	SellMarket Sale	9,750	₹12.9 L	0.01% → 0.00%	30 Sept 20257(2)

Disclosed under SEBI’s insider-trading regulations, which require a filing only above ₹10 lakh in a quarter — smaller dealings are in no disclosure. Holdings are the filer’s own percentages, not recomputed.

73 deals · 18 Aug 2021 – 27 Jul 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
27 Jul 2026	JUNOMONETA FINSOL PRIVATE LIMITED	Bulk	NSE	Buy	6,44,887	₹191.50	₹12.35 Cr
27 Jul 2026	JUNOMONETA FINSOL PRIVATE LIMITED	Bulk	NSE	Sell	6,43,486	₹191.71	₹12.34 Cr
24 Jul 2026	MICROCURVES TRADING PRIVATE LIMITED	Bulk	NSE	Sell	44,63,691	₹206.30	₹92.09 Cr
24 Jul 2026	MICROCURVES TRADING PRIVATE LIMITED	Bulk	NSE	Buy	44,63,691	₹206.19	₹92.04 Cr
24 Jul 2026	NK SECURITIES RESEARCH PRIVATE LIMITED	Bulk	NSE	Buy	33,62,818	₹207.49	₹69.78 Cr
24 Jul 2026	NK SECURITIES RESEARCH PRIVATE LIMITED	Bulk	NSE	Sell	33,62,818	₹207.59	₹69.81 Cr
24 Jul 2026	ELIXIR WEALTH MANAGEMENT PRIVATE LIMITED	Bulk	NSE	Buy	27,52,066	₹204.10	₹56.17 Cr
24 Jul 2026	ELIXIR WEALTH MANAGEMENT PRIVATE LIMITED	Bulk	NSE	Sell	26,79,947	₹204.91	₹54.91 Cr
24 Jul 2026	QE SECURITIES LLP	Bulk	NSE	Buy	25,93,852	₹202.27	₹52.47 Cr
24 Jul 2026	QE SECURITIES LLP	Bulk	NSE	Sell	25,70,653	₹205.92	₹52.93 Cr

1–10 of 73

1 / 8

Mr. Krishna Prasad NairNon-Executive - Independent Director-Chairperson
Mr. John Arunkumar DiazNon-Executive - Independent Director
Mrs. Swati Rajendra DatyeNon-Executive - Independent Director
Mr. Deepak Kumar SharmaNon-Executive - Independent Director
Mr. Vivek Anant KarveNon-Executive - Independent Director
Mr. Sunil Satyapal GulatiNon-Executive - Independent Director
Mr. Alok SethiNon-Executive - Independent Director
Mr. Ranjit ShahNon-Executive - Nominee Director
Mr. Baskar Babu RamachandranExecutive Director-CEO-MD
Mr. Kanishka ChaudharyChief Financial Officer
Mr. Hemant Premchand ShahExecutive Director

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 1 fund houses

Held by these funds

0.04%

of the company's equity

All mutual funds

1.59%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

1 schemes

		Shares
Aggressive Hybrid Fund	Axis Mutual Fund	45,327	0.7	0.05%	0.043%	-0

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

1

Final dividend17 Jul 2026 · ex-date₹1.5

1

Board meeting to consider results23 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

140 announcementsExport CSV

1 Oct 2026, 6:32 pmCompany Update

Announcement under Regulation 30 (LODR)-Change in Management

Change in Management PDF

29 Sept 2026, 6:14 pmCompany Update

Schedule Of Analysts / Institutional Investors Meet

General PDF

22 Sept 2026, 3:23 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

21 Sept 2026, 5:15 pmBoard Meeting

Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Of The Bank Held On September 21, 2026

Outcome of Board Meeting PDF

21 Sept 2026, 2:08 pmCompany Update

Grant Of Stock Options To The Employees Of The Bank Under Suryoday ESOP Scheme - 2019

General PDF

16 Sept 2026, 10:19 pmBoard Meeting

Board Meeting Intimation for Considering Raising Of Funds By Issue Of Non-Convertible Debentures On Private Placement Basis

Exchange filing PDF

10 Sept 2026, 12:23 amCompany Update

Grant Of Stock Options To The Employees Of The Bank Under Suryoday ESOP Scheme - 2019

General PDF

13 Aug 2026, 8:09 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS PDF

Date	Category	Subject	Filing
1 Oct 2026, 6:32 pm	Company Update Change in Management	Announcement under Regulation 30 (LODR)-Change in Management	PDF
29 Sept 2026, 6:14 pm	Company Update General	Schedule Of Analysts / Institutional Investors Meet

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Suryoday Small Finance Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Compounded returns

Compounded sales growth

Compounded profit growth

Ratios

Ratio timeline

Shareholding

Quarterly record

Insider dealing

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

Dividends1

Board meetings1

Announcements

Ratio timeline

Not in the F&O segment

Dividends1

Board meetings1

Quarterly record

Insider dealing

Bulk & block deals

Board and management

Announcements

Annual reports

Investor Presentation and earnings call

Profit & loss

Compounded returns

Compounded sales growth

Compounded profit growth

1

1

1

1