Earnings Review
Suryoday Small Fin Bank posts YoY growth in PAT after 5 qtrs
This story was originally published at 21:19 IST on 22 January 2026
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--Suryoday Small Fin Bk Oct-Dec net profit INR 365.60 mln
--Suryoday Small Fin Bk Oct-Dec PAT INR 365.60 mln vs INR 333.00 mln yr ago
--Suryoday Small Fin Bk Q3 total income INR 6.25 bln vs INR 5.27 bln yr ago
--Suryoday Small Fin Bk Q3 provisions INR 412.2 mln vs INR 336.2 mln year ago
--Suryoday Small Fin Bk gross NPA ratio 6.69% as on Dec 31 vs 5.93% qtr ago
--Suryoday Small Fin Bk net NPA ratio 4.35% as on Dec 31 vs 3.80% qtr ago
--Suryoday Small Fin Bk capital adequacy ratio 21.94% as on Dec 31
--Suryoday Small Fin Bk Apr-Dec net profit INR 1.02 bln vs INR 1.49 bln
--Suryoday Small Fin Bk Apr-Dec total income INR 18.28 bln vs INR 16.40 bln
By Durgesh Nandan
MUMBAI – After falling for five consecutive quarters, Suryoday Small Finance Bank Ltd. Thursday reported a year on year rise in its net profit in the December quarter. This was mainly because of the biggest on-year rise in interest earned in four quarters and the doubling of other income.
The bank posted a net profit of INR 365.6 million for the December quarter, up nearly 10% on year. Sequentially, the lender's net profit rose over 20%.
The small finance bank's total income rose over 18% on year and over 4% sequentially to INR 6.25 billion. In the September quarter, its total income was nearly INR 6 billion. The bank's other income for the December quarter rose 104% on year to INR 809 million, the biggest on year rise in nine quarters. However, sequentially, the other income was up just 1.3%.
The net interest income of the bank increased nearly 7% on quarter and 3% on year to INR 2.77 billion.
Advances of the bank rose nearly 23.5% on year to INR 115.21 billion as at end of December. Deposits rose nearly 33% on year to INR 128.65 billion as of Dec. 31. The bank's capital adequacy ratio fell to 21.94% as of Dec. 31 from 26.92% a year ago and 23.41% a quarter ago.
The lender's gross non-performing assets rose to INR 7.9 billion as of Dec. 31 from INR 5.3 billion a year ago. Net non-performing assets as of Dec. 31 were INR 5.01 billion, up from INR 2.92 billion a year ago.
The gross non-performing assets ratio rose to 6.69% as of Dec. 31 from 5.53% a year ago and 5.93% a quarter ago. Net non-performing asset ratio was 4.35% as at the end of December, higher than 3.13% a year ago and 3.80% a quarter ago.
The net profit for Apr-Dec fell to INR 1.02 billion from INR 1.49 billion in the same period a year ago. The total income for the nine-month period was INR 18.28 billion as against INR 16.40 billion a year ago.
The bank declared its results after market hours Thursday. Shares of Suryoday Small Finance Bank ended the day nearly 2% higher at INR 139.58 on the National Stock Exchange. End
Edited by Ashish Shirke
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