Earnings Review
Suryoday Small Fin Bank's PAT jumps on high interest income
This story was originally published at 19:43 IST on 23 July 2026
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--Suryoday Small Fin Bk Q1 net profit INR 751.8 mln vs INR 352.8 mln yr ago
--Suryoday Small Fin Bk Q1 total income INR 7.70 bln vs INR 6.04 bln yr ago
--Suryoday Small Fin Bk Q1 provisions INR 366.6 mln vs INR 620.9 mln year ago
--Suryoday Small Fin Bk gross NPA ratio 6.60% on Jun 30 vs 6.55% qtr ago
--Suryoday Small Fin Bk net NPA ratio 1.27% on Jun 30 vs 4.21% qtr ago
--Suryoday Small Fin Bk capital adequacy ratio 20.03% on Jun 30
By Meera Nair
MUMBAI – A sharp jump in interest income and fall in provisions led to Suryoday Small Finance Bank's net profit rising the most in 10 quarters on year in Apr-Jun. The lender's net profit rose to INR 752 million in the June quarter, up 113% on year and over 51% on quarter.
Total income rose almost 28% on year to INR 7.70 billion in the June quarter. Of this, interest earned increased nearly 26% on year to INR 6.22 billion.
Total expenses rose nearly 28% on year and 8% sequentially to INR 6.32 billion, largely due to a nearly 32% increase in operating expenses to INR 3.25 billion. The rise in expenses broadly matched the growth in total income, limiting the growth in profitability.
Provisions declined 41% on year to INR 367 million during the quarter, supporting the lender's bottom line. Asset quality was mixed, with the gross non-performing asset ratio inching up to 6.60% as of Jun. 30 from 6.55% three months earlier, while the net NPA ratio improved sharply to 1.27% from 4.21% a quarter ago.
The bank's capital adequacy ratio stood at 20.03% as of Jun. 30, compared with 24.61% a year ago. Suryoday Small Finance Bank's shares closed at INR 194.31 aipiece on the National Stock Exchange, up 7.2% from the previous close. The earnings were announced post-market hours. End
Edited by Akul Nishant Akhoury
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