| Scrip code | 543279 |
|---|---|
| NSE Symbol | SURYODAY |
| MSEI Symbol | NOTLISTED |
| ISIN | INE428Q01011 |
| Name of bank | SURYODAY SMALL FINANCE BANK LIMITED |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 22-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 01-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 22-01-2026 14:15:00 |
| End date and time of board meeting | 22-01-2026 18:00:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 47,710.00 | 1,36,640.00 | |
| Income on investments | 5,176.00 | 15,670.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,253.00 | 3,268.00 | |
| Others | 248.00 | 292.00 | |
| Total interest earned | 54,387.00 | 1,55,870.00 | |
| 2 | Other income | 8,088.00 | 26,937.00 |
| 3 | Total income | 62,475.00 | 1,82,807.00 |
| Expenses | |||
| 4 | Interest expenses | 26,706.00 | 77,654.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 12,790.00 | 36,967.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 1,685.00 | 4,972.00 |
| 2 | Printing and stationery | 114.00 | 343.00 |
| 3 | Advertisement and publicity | 341.00 | 888.00 |
| 4 | Depreciation on Bank's property | 1,753.00 | 4,861.00 |
| 5 | Director's fees/remuneration, allowances and expenses | 30.00 | 97.00 |
| 6 | Auditors' fees and expenses | 27.00 | 77.00 |
| 7 | Law charges | 106.00 | 264.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 178.00 | 472.00 |
| 9 | Repairs and maintenance | 2,862.00 | 8,570.00 |
| 10 | Other expenditure (includes professional fees & insurance) | 6,982.00 | 19,934.00 |
| Total other operating Expenses | 14,078.00 | 40,478.00 | |
| Total Operating Expenses | 26,868.00 | 77,445.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 53,574.00 | 1,55,099.00 |
| 7 | Operating profit before provision and contingencies | 8,901.00 | 27,708.00 |
| 8 | Provisions other than tax and contingencies | 4,122.00 | 14,316.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 4,779.00 | 13,392.00 |
| 11 | Provision for Tax | 1,123.00 | 3,167.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 3,656.00 | 10,225.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 3,656.00 | 10,225.00 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 3,656.00 | 10,225.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 10,629.00 | 10,629.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 20.9600 | 20.9600 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 3.44 | 9.62 | |
| Diluted earnings per share before extraordinary items | 3.44 | 9.61 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 3.44 | 9.62 | |
| Diluted earnings per share after extraordinary items | 3.44 | 9.61 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 79,035.00 | 79,035.00 | |
| Amount of net non-performing assets | 50,106.00 | 50,106.00 | |
| % of gross NPAs | 6.6900 | 6.6900 | |
| % of net NPAs | 4.3500 | 4.3500 | |
| Return on assets | 0.2200 | 0.6300 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | For detailed notes on financial results, please refer outcome of Board Meeting for Approval of the Unaudited Financial Results of the Bank for the Nine months ended December 31, 2025, which is available on the stock exchange websites i.e. BSE: https://www.bseindia.com, NSE: https://www.nseindia.com, and on Bank’s website: https://suryoday.bank.in/ |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury | 7,235.00 | 22,310.00 | ||||
| 2 | Retail Banking | 58,149.00 | 1,69,584.00 | ||||
| 3 | Corporate | 4,114.00 | 11,702.00 | ||||
| 4 | Other Banking Operations | 1,163.00 | 3,866.00 | ||||
| 5 | Unallocated | 0.00 | 0.00 | ||||
| Total Segment Revenue | 70,661.00 | 2,07,462.00 | |||||
| Less: Inter segment revenue | 8,186.00 | 24,655.00 | |||||
| Income from operations | 62,475.00 | 1,82,807.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury | 1,259.00 | 4,552.00 | ||||
| 2 | Retail Banking | 4,878.00 | 13,187.00 | ||||
| 3 | Corporate | (1,058.00) | (3,659.00) | ||||
| 4 | Other Banking Operations | 0.00 | 0.00 | ||||
| 5 | Unallocated | (300.00) | (688.00) | ||||
| Total Profit before tax | 4,779.00 | 13,392.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |||||
| Profit before tax | 4,779.00 | 13,392.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury | 4,68,459.00 | 4,68,459.00 | ||||
| 2 | Retail Banking | 10,16,753.00 | 10,16,753.00 | ||||
| 3 | Corporate | 2,12,830.00 | 2,12,830.00 | ||||
| 4 | Other Banking Operations | 957.00 | 957.00 | ||||
| 5 | Unallocated | 4,921.00 | 4,921.00 | ||||
| Total Segment Assets | 17,03,920.00 | 17,03,920.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Assets | 17,03,920.00 | 17,03,920.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury | 1,70,625.00 | 1,70,625.00 | ||||
| 2 | Retail Banking | 9,82,277.00 | 9,82,277.00 | ||||
| 3 | Corporate | 3,46,919.00 | 3,46,919.00 | ||||
| 4 | Other Banking Operations | 1,106.00 | 1,106.00 | ||||
| 5 | Unallocated | 74.00 | 74.00 | ||||
| Total Segment Liabilities | 15,01,001.00 | 15,01,001.00 | |||||
| Un-allocable Liabilities | 0.00 | 0.00 | |||||
| Net Segment Liabilities | 15,01,001.00 | 15,01,001.00 | |||||
| Disclosure of notes on segments | For detailed notes on financial results, please refer outcome of Board Meeting for Approval of the Unaudited Financial Results of the Bank for the Nine months ended December 31, 2025, which is available on the stock exchange websites i.e. BSE: https://www.bseindia.com, NSE: https://www.nseindia.com, and on Bank’s website: https://suryoday.bank.in/ | ||||||
| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 1,57,920.00 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 0.00 | |
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 1,68,020.00 | |