SURYODAY SMALL FIN BK LTD (SURYODAY) financials

SURYODAY SMALL FIN BK LTD (SURYODAY) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 2008, Suryoday Small Finance Bank Ltd is a leading Small Finance Bank(SFB) in India. The company started offering SFB services in 2017. They serve customers in the unbanked and underbanked segments. Before SBF, the company operated as an NBFC.[1]

Market Cap: ₹1,553Cr.
Current Price: ₹146
Stock P/E: 8.07
ROE: 7.58%
ROCE: 7.33%
Book Value: ₹196
Dividend Yield: 1.06%
52W High / Low: ₹218/115

In Jun 2026, SURYODAY SMALL FIN BK LTD (SURYODAY) reported sales ₹622 Cr and net profit ₹75 Cr.

Annual TTM: sales ₹2,287 Cr, net profit ₹192 Cr.

Shareholding: Promoters 22.48% (Jun 2026), FIIs 5.35% (Jun 2026), DIIs 5.47% (Jun 2026), Public 66.70% (Jun 2026), No. of Shareholders 89,688% (Jun 2026).

SURYODAY quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	507	488	471	495	520	544	602	622
Interest	207	220	226	248	261	267	285	307
Expenses	287	270	352	309	299	310	341	362
Financing Profit	13	-2	-107	-62	-41	-33	-25	-46
Financing Margin %	2%	-0%	-23%	-12%	-8%	-6%	-4%	-7%
Other Income	47	40	60	109	80	81	90	148
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	60	38	-47	47	39	48	66	102
Tax %	25%	12%	-28%	25%	23%	24%	24%	26%
Net Profit	45	33	-34	35	30	37	50	75
EPS in Rs	4.27	3.13	-3.18	3.32	2.86	3.44	4.68	7.07
Gross NPA %	3.03%	5.53%	7.16%	8.46%	5.93%	6.69%	6.55%	6.60%
Net NPA %	0.80%	3.13%	4.58%	5.64%	3.80%	4.35%	4.21%	1.27%
Raw PDF	—	—	—	—	—	—	—	—

SURYODAY profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	767	776	942	1,184	1,589	1,954	2,160	2,287
Interest	276	366	357	437	626	848	1,062	1,120
Expenses	414	460	786	700	843	1,124	1,191	1,312
Financing Profit	77	-49	-201	47	120	-18	-93	-144
Financing Margin %	10%	-6%	-21%	4%	8%	-1%	-4%	-6%
Other Income	87	76	94	97	219	217	360	399
Depreciation	10	15	19	43	51	56	68	0
Profit before tax	154	12	-127	101	288	144	200	255
Tax %	28%	2%	-27%	23%	25%	20%	24%	—
Net Profit	111	12	-93	78	216	115	152	192
EPS in Rs	12.84	1.12	-8.76	7.32	20.34	10.82	14.30	18.05
Dividend Payout %	0%	0%	0%	0%	0%	0%	10%	—

SURYODAY balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	82	87	106	106	106	106	106	106
Reserves	799	980	1,491	1,399	1,479	1,699	1,821	1,972
Deposits	1,593	2,849	3,256	3,854	5,167	7,777	10,580	13,994
Borrowing	1,124	1,265	1,667	2,551	2,765	2,443	2,710	3,122
Other Liabilities	163	185	193	270	344	352	397	689
Total Liabilities	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884
Fixed Assets	18	30	35	66	163	152	156	293
CWIP	1	8	8	49	1	17	135	5
Investments	664	808	1,874	2,058	2,570	2,599	3,137	3,693
Other Assets	3,078	4,518	4,795	6,007	7,127	9,610	12,187	15,893
Total Assets	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884

SURYODAY cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-545	526	-876	-347	-98	935	1,320	652
Cash from Investing Activity	-14	-167	-280	-158	-266	-263	-1,059	-792
Cash from Financing Activity	655	210	915	885	213	-322	268	412
Net Cash Flow	97	569	-241	381	-150	349	529	273
Free Cash Flow	-556	496	-896	-438	-190	879	1,143	577
CFO/OP	-177%	169%	-267%	-212%	-20%	127%	166%	73%

SURYODAY shareholding pattern (%)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	22.30%	22.29%	22.43%	22.43%	22.43%	22.43%	22.48%	22.48%
FIIs	3.50%	4.80%	4.67%	4.68%	4.67%	4.97%	5.23%	5.35%
DIIs	8.01%	5.89%	5.66%	5.93%	6.62%	6.11%	5.72%	5.47%
Public	66.19%	67.01%	67.22%	66.95%	66.28%	66.48%	66.58%	66.70%
No. of Shareholders	1,08,301	1,10,197	1,08,734	1,04,927	1,02,098	99,138	95,026	89,688

SURYODAY key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	13%	11%	1%	-6%	5%	13%	6%	8%

SURYODAYUpdated 13 Oct 2026, 15:39

Suryoday Small Fin Bk Ltd

SURYODAYUpdated 13 Oct 2026, 15:39

Market Cap

₹1,553Cr.

Current Price

₹146

High / Low

₹218/115

Stock P/E

8.07

ROE7.58%

ROCE7.33%

Book Value₹196

Face Value₹10.0

Dividend Yield1.06%

About

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	358	133	212	12	3	51	63	25	48	4.48	3.04	1.63
Sep 2023	375	154	205	16	4	52	68	26	50	4.74	2.9	1.46
Dec 2023	411	165	221	24	6	52	76	25	57	5.39	3.06	1.42
Mar 2024	445	174	255	15	3	65	80	24	61	5.73	2.94	0.86
Jun 2024	488	195	271	23	5	70	93	24	70	6.59	2.84	0.47
Sep 2024	507	207	287	13	2	47	60	25	45	4.27	3.03	0.8
Dec 2024	488	220	270	-2	0	40	38	12	33	3.13	5.53	3.13
Mar 2025	471	226	352	-107	-23	60	-47	-28	-34	-3.18	7.16	4.58
Jun 2025	495	248	309	-62	-12	109	47	25	35	3.32	8.46	5.64
Sep 2025	520	261	299	-41	-8	80	39	23	30	2.86	5.93	3.8
Dec 2025	544	267	310	-33	-6	81	48	24	37	3.44	6.69	4.35
Mar 2026	602	285	341	-25	-4	90	66	24	50	4.68	6.55	4.21
Jun 2026	622	307	362	-46	-7	148	102	26	75	7.07	6.6	1.27

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	118	55	37	26	22	0	1	25	34	17	5.11
Mar 2016	199	95	76	28	14	1	1	27	0	27	7.16
Mar 2017	244	115	114	15	6	11	2	24	37	15	2.36
Mar 2018	287	123	181	-18	-6	38	5	16	36	10	1.5
Mar 2019	530	190	259	81	15	67	6	143	37	90	11.08
Mar 2020	767	276	414	77	10	87	10	154	28	111	12.84
Mar 2021	776	366	460	-49	-6	76	15	12	2	12	1.12
Mar 2022	942	357	786	-201	-21	94	19	-127	-27	-93	-8.76
Mar 2023	1184	437	700	47	4	97	43	101	23	78	7.32
Mar 2024	1589	626	843	120	8	219	51	288	25	216	20.34
Mar 2025	1954	848	1124	-18	-1	217	56	144	20	115	10.82
Mar 2026	2160	1062	1191	-93	-4	360	68	200	24	152	14.3
TTM	2287	1120	1312	-144	-6	399	0	255	—	192	18.05

Shareholding pattern

As of Jun 2026%

Holder	Share
Promoters	22.48%
FIIs	5.35%
DIIs	5.47%
Public	66.7%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Sep 2023	22.4%	2.16%	18.38%	57.05%
Dec 2023	22.4%	2.91%	17.01%	57.68%
Mar 2024	22.4%	2.9%	14.04%	60.66%
Jun 2024	22.39%	3.02%	12.64%	61.95%
Sep 2024	22.3%	3.5%	8.01%	66.19%
Dec 2024	22.29%	4.8%	5.89%	67.01%
Mar 2025	22.43%	4.67%	5.66%	67.22%
Jun 2025	22.43%	4.68%	5.93%	66.95%
Sep 2025	22.43%	4.67%	6.62%	66.28%
Dec 2025	22.43%	4.97%	6.11%	66.48%
Mar 2026	22.48%	5.23%	5.72%	66.58%
Jun 2026	22.48%	5.35%	5.47%	66.7%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	33	99	31	757	2	0	1	754	757
Mar 2016	38	159	39	1193	2	0	0	1190	1193
Mar 2017	64	437	60	1604	6	2	594	1002	1604
Mar 2018	68	472	156	2164	13	1	311	1839	2164
Mar 2019	82	799	163	3761	18	1	664	3078	3761
Mar 2020	87	980	185	5365	30	8	808	4518	5365
Mar 2021	106	1491	193	6712	35	8	1874	4795	6712
Mar 2022	106	1399	270	8180	66	49	2058	6007	8180
Mar 2023	106	1479	344	9861	163	1	2570	7127	9861
Mar 2024	106	1699	352	12378	152	17	2599	9610	12378
Mar 2025	106	1821	397	15614	156	135	3137	12187	15614
Mar 2026	106	1972	689	19884	293	5	3693	15893	19884

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	—	—	—	—
Mar 2016	—	—	—	—
Mar 2017	—	—	—	—
Mar 2018	—	—	—	—
Mar 2019	-545	-14	655	97
Mar 2020	526	-167	210	569
Mar 2021	-876	-280	915	-241
Mar 2022	-347	-158	885	381
Mar 2023	-98	-266	213	-150
Mar 2024	935	-263	-322	349
Mar 2025	1320	-1059	268	529
Mar 2026	652	-792	412	273

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	17%	4%	2%	13%	11%	1%	-6%	5%	13%	6%	8%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of SURYODAY SMALL FIN BK LTD (SURYODAY)?

The reported market capitalisation for SURYODAY SMALL FIN BK LTD (SURYODAY) is ₹1,553Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of SURYODAY?

The current price shown for SURYODAY SMALL FIN BK LTD (SURYODAY) on Fincrux is ₹146 with a 52-week high/low of ₹218/115.

What is the P/E ratio of SURYODAY SMALL FIN BK LTD (SURYODAY)?

The stock P/E for SURYODAY SMALL FIN BK LTD (SURYODAY) is 8.07 on Fincrux, with ROE at 7.58% and ROCE at 7.33%.

What were SURYODAY latest quarterly results?

For Jun 2026, SURYODAY SMALL FIN BK LTD (SURYODAY) reported sales ₹622 Cr and net profit ₹75 Cr (figures in ₹ crore unless noted).

What are SURYODAY annual sales and net profit?

For TTM, SURYODAY SMALL FIN BK LTD (SURYODAY) shows sales of ₹2,287 Cr and net profit of ₹192 Cr on the Fincrux profit & loss statement.

Who owns SURYODAY SMALL FIN BK LTD (SURYODAY)?

Latest shareholding for SURYODAY SMALL FIN BK LTD (SURYODAY) on Fincrux: Promoters 22.48% (Jun 2026), FIIs 5.35% (Jun 2026), DIIs 5.47% (Jun 2026), Public 66.70% (Jun 2026), No. of Shareholders 89,688% (Jun 2026).

Where can I find SURYODAY SMALL FIN BK LTD (SURYODAY) financials?

SURYODAY SMALL FIN BK LTD (SURYODAY) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show SURYODAY balance sheet and cash flow?

Yes. The SURYODAY SMALL FIN BK LTD (SURYODAY) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 13 October 2026 at 15:39