Suryoday Small Finan
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Suryoday Small Finan share price

Suryoday Small Finance Bank Ltd.

NSE: SURYODAY BSE: 543279 SECTOR: Bank - Private  92.84 K   133   43

126.35
+2.00 (1.61%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 128

Today's Low

₹ 124

52 Week High

₹ 190.65

52 Week Low

₹ 90

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1342.97 Cr.

CASA %

20.91

No. of Shares

10.63 Cr.

P/E

16.75

P/B

0.69

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  183.44

Net Interest Income

₹ 1106.14 Cr.

Cost To Income %

70.59

Promoter Holding

22.44 %

EPS (TTM)

₹  7.54

CAR %

25.83

ROE

6.2 %

ROCE

7.19%

Profit Growth

-46.77 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year6.2%
3 Year8.02%
5 Year3.79%

ROA%

1 Year0.82%
3 Year1.21%
5 Year0.51%

Net NPA%

1 Year4.58%
3 Year2.33%
5 Year3.54%

 NIM

1 Year7.46%
3 Year7.84%
5 Year7.48%

CAR %

25.83

Cost of Liabilities %

6.3779

PEG Ratio

NA

Advances Growth %

23.4759

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 22.44 22.39
Mar 2025 22.44 22.39
Dec 2024 22.30 22.53
Sep 2024 22.30 22.53
Jun 2024 22.39 22.45
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 7.83726666666667% since last 3 years.
  • Good Capital Adequacy Ratio of 25.83%.
  • The company has delivered good Profit growth of 47.9080462583775% over the past 3 years.
  • The company has delivered good Income growth of 27.5358965832027% over the past 3 years.
  • Strong Advances growth of 28.0471951359341% in the last 3 years.

 Limitations

  • Net NPA has increased by 1.06% QoQ
  • Net NPA has increased by 3.72% YoY
  • CASA Growth of 0.7729% YoY, which is very low.
  • Low CASA Ratio of 20.9053%.
  • Low other Income proportion of 11.1197014315142%.
  • High Cost to income ratio of 70.5906%.
  • Increase in Provision and contingencies of 47.7253912931443% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 488.12 507.2 487.85 470.58 495.17
Other Income 70.15 47.45 39.55 60.1 108.65
Interest Expended 194.89 207.22 219.58 225.92 248.03
Operating Expenses 219.1 220.51 236.46 258.12 246.87
Total Provisions 51.56 66.77 33.62 93.42 62.09
Profit Before Tax 92.72 60.15 37.74 -46.78 46.83
Tax 22.66 14.76 4.44 -13 11.55
Net Profit 70.06 45.39 33.3 -33.78 35.28
Net NPA % 0.47 0.8 3.13 4.58 5.64
Gross NPA % 2.84 3.03 5.53 7.16 8.46
Return on Assets % 0.56 0.35 0.24 -0.23 0.22
NPM % 14.35 8.95 6.83 -7.18 7.12

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 776.15 941.82 1183.68 1588.7 1953.75
Other Income 76.4 93.56 97.42 219.38 217.25
Interest Expended 365.65 357.37 437.11 626.47 847.61
Operating Expenses 328.64 413.1 506.54 727.95 934.19
Total Provisions 146.16 391.98 236.6 166.1 245.37
Profit Before Tax 12.1 -127.07 100.86 287.57 143.83
Taxes 0.24 -34.04 23.17 71.61 28.87
Net Profit 11.86 -93.03 77.69 215.96 114.96
Adjusted EPS (Rs.) 1.12 -8.76 7.32 20.34 10.82

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 106.13 106.16 106.16 106.2 106.28
Total Reserves 1480.66 1389.75 1469.79 1688.66 1808.83
Deposits 3255.68 3853.88 5166.72 7777.27 10579.61
Borrowings 1666.62 2551.34 2765.41 2442.98 2710.29
Other Liabilities 192.79 269.85 344.36 352.48 397.4
Total Liabilities 6711.99 8180.18 9861.22 12377.68 15614.39
Assets
Balance with RBI 102.8 607.45 784.23 813.78 1466.14
Balance with Banks 493.84 370.24 40.93 366.29 243.24
Investments 1873.7 2057.68 2570.19 2599.3 3137.48
Advances 3982.77 4750.88 6015.05 8077.97 9974.35
Net Block 34.95 66.03 163.15 152.18 155.61
Other Assets 215.66 278.68 286.35 351.55 503.03
Total Assets 6711.99 8180.18 9861.22 12377.68 15614.39
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 22.39 22.30 22.30 22.44 22.44
baskar babu ramachandran 5.04 5.04 5.04 5.18 5.18
gealgeo v alankara 0.51 0.51 0.51 0.51 0.51
p surendra pai 2.28 2.28 2.28 2.28 2.28
peruvamba estates private... 0.78 0.78 0.78 0.78 0.78
peruvamba subramaniam jag... - - - 3.32 3.32
savita surendra pai 2.09 2.01 2.01 2.01 2.01
sheela pai cole 4.18 4.18 4.18 4.18 4.18
sunaina pai ocalan 4.18 4.18 4.18 4.18 4.18
p s jagdish 3.32 3.32 3.32 - -
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 77.61 77.70 77.70 77.56 77.56
1729 capital 2.60 2.64 3.81 3.81 3.81
akm systems private limit... - - - - 1.01
deg-deutsche investitions... - - 3.30 3.30 3.30
evolvence india fund ii l... 3.45 3.45 3.45 3.45 3.45
gaja capital fund ii limi... 3.46 3.46 3.46 3.46 3.46
hdfc life insurance compa... 2.68 2.00 2.00 2.00 2.00
icici prudential life ins... 1.31 1.31 1.31 1.31 1.31
kiran vyapar ltd - - - 1.09 1.09
mukul mahavir agrawal 2.82 2.82 2.82 2.82 2.82
responsability participat... 3.59 3.59 3.58 3.58 3.58
sbi life insurance co. lt... 2.96 2.96 2.31 2.31 1.89
teachers insurance and an... 3.27 3.27 3.27 3.27 3.27
kiran vyapar limited - - 1.09 - -
axis mutual fund trustee ... 2.66 1.15 - - -
deg-deutsche investitions... 3.30 3.30 - - -
dwm (international) mauri... 2.22 1.16 - - -
lok capital growth fund 1.58 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2025
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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TYPE AGENCY Link
 No Credit reports exist for this company.Report us
TYPE AGENCY Link
TYPE AGENCY Link
Research Edelweiss
Research BP Wealth
Research Nuvama

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY25
Concall Q4FY24
Concall Q3FY25
Concall Q3FY24
Concall Q3FY22
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY23
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY22
Presentation Q2FY24
Presentation Q1FY22

Company News

Suryoday Small Finan - Quaterly Results 24 Jul, 6:18 PM Suryoday Small Finan - Quaterly Results 24 Jul, 6:18 PM Suryoday Small Finan - Quaterly Results 24 Jul, 6:18 PM Suryoday Small Finance Bank informs about analyst meet 16 Jun, 4:16 PM Suryoday Small Finance Bank submits secretarial compliance report 27 May, 12:34 PM Suryoday Small Finan - Quaterly Results 8 May, 6:55 PM Suryoday Small Finan - Quaterly Results 8 May, 6:55 PM Suryoday Small Finance Bank informs about results of e-voting 17 Apr, 11:56 AM Suryoday Small Finance Bank informs about investor meet 20 Mar, 5:22 PM Suryoday Small Finance Bank informs about disclosure 19 Mar, 5:19 PM Suryoday Small Finance Bank informs about newspaper advertisements 13 Mar, 5:33 PM Suryoday Small Finance Bank informs about transcript of conference call 30 Jan, 12:50 PM Suryoday Small Finance Bank submits newspaper advertisement 25 Jan, 12:15 PM Suryoday Small Finan - Quaterly Results 23 Jan, 7:30 PM Suryoday Small Finan - Quaterly Results 23 Jan, 7:30 PM Suryoday Small Finance Bank informs about newspaper advertisement 26 Oct, 3:54 PM Suryoday Small Finan - Quaterly Results 24 Oct, 6:46 PM Suryoday Small Finan - Quaterly Results 24 Oct, 6:46 PM Suryoday Small Finance Bank informs about disclosure 25 Sep, 12:22 PM Suryoday Small Finance Bank informs about newspaper publication 3 Aug, 3:03 PM Suryoday Small Finan - Quaterly Results 1 Aug, 7:38 PM Suryoday Small Finan - Quaterly Results 1 Aug, 7:38 PM Suryoday Small Finance Bank reports 42% rise in gross advances during Q1FY25 4 Jul, 12:12 PM Suryoday Small Finance Bank informs about change in management 15 Jun, 1:26 PM Suryoday Small Finance Bank informs about annual secretarial compliance report 16 May, 2:55 PM Suryoday Small Finance Bank submits transcript of conference call 15 May, 5:33 PM Suryoday Small Finance Bank reports 56% rise in Q4 net profit 10 May, 11:29 AM Suryoday Small Finan - Quaterly Results 9 May, 7:04 PM Suryoday Small Finan - Quaterly Results 9 May, 7:04 PM Suryoday Small Finance Bank informs about allotment of equity shares under ESOP 14 Mar, 2:47 PM Suryoday Small Finance Bank informs about transcript of conference call 14 Feb, 5:14 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finance Bank informs about disclosure 6 Feb, 11:09 AM Suryoday Small Finance Bank informs about board meeting 25 Jan, 5:21 PM Suryoday Small Finance Bank appointment of wholetime director 19 Jan, 10:37 AM Suryoday Small Finance Bank informs about investor meet 17 Nov, 2:53 PM Suryoday Small Finan - Quaterly Results 9 Nov, 5:58 PM Suryoday Small Finance Bank informs about appointment of independent director as chairman 2 Nov, 10:12 AM Suryoday Small Finance Bank informs about board meeting 14 Oct, 10:52 AM Suryoday Small Finance Bank informs about compliance certificate 5 Oct, 3:22 PM Suryoday Small Finance Bank informs about disclosure 15 Sep, 12:13 PM Suryoday Small Finance Bank informs about proceedings of AGM 15 Sep, 9:51 AM Suryoday Small Finance Bank informs about analyst meet 12 Sep, 12:16 PM Suryoday Small Finance Bank informs about disclosures 4 Sep, 4:44 PM Suryoday Small Finance Bank submits disclosure 30 Aug, 11:04 AM Suryoday Small Finance Bank submits Disclosure 29 Aug, 10:52 AM Suryoday Small Finance Bank submits conference call transcript 17 Aug, 5:10 PM Suryoday Small Finance Bank submits newspaper publication 12 Aug, 2:35 PM

Suryoday Small Finan Stock Price Analysis and Quick Research Report. Is Suryoday Small Finan an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Suryoday Small Finan is performing and if it is the right time to buy the stock of Suryoday Small Finan with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Suryoday Small Finan has earned Rs 1953.7494 Cr. revenue in the latest financial year. Suryoday Small Finan has posted outstanding revenue growth of 27.5358965832027% in last 3 Years.

  • In terms of advances, Suryoday Small Finan reported 23.4759% YOY,  rise . If you see 3 years advance growth, it stands at 28.0471951359341%.

  • Currently, Suryoday Small Finan has a CASA ratio of 20.9053%. It’s overall cost of liability stands at 6.3779 %. Also, the total deposits from these accounts stood at Rs 10579.611 Cr.

  • Suryoday Small Finan has a healthy ROA track record. The ROA of Suryoday Small Finan is at 0.8214%.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Suryoday Small Finan stood at 7.16% and 4.58% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 47.7253912931443% which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Suryoday Small Finan decreased and is currently at Rs 217.2511 Cr.

  • Suryoday Small Finan has a Good Capital Adequacy Ratio of 25.83 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Suryoday Small Finan is trading at a P/B of 0.6779 . The historical average PB was 0.9207.

One can find all the Financial Ratios of Suryoday Small Finan in Ticker for free. Also, one can get the intrinsic value of Suryoday Small Finan by using Valuation Calculators, which are available with a Finology ONE subscription. 

Suryoday Small Finan FAQs

Q1. What is Suryoday Small Finan share price today?
Ans: The current share price of Suryoday Small Finan is Rs 123.99.

Q2. What is the market capitalisation of Suryoday Small Finan?
Ans: Suryoday Small Finan has a market capitalisation of Rs 1317.887527776 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Suryoday Small Finan?
Ans: The PE ratio of Suryoday Small Finan is 16.4344887003778 and the P/B ratio of Suryoday Small Finan is 0.675909198448772, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Suryoday Small Finan share?
Ans: The 52-week high share price of Suryoday Small Finan is Rs 190.2, and the 52-week low share price of Suryoday Small Finan is Rs 97.97.

Q5. Does Suryoday Small Finan pay dividends?
Ans: Currently, Suryoday Small Finan does not pay dividends. Dividend yield of Suryoday Small Finan is around 0%.

Q6. What are the face value and book value of Suryoday Small Finan shares?
Ans: The face value of Suryoday Small Finan shares is Rs 10, while the book value per share of Suryoday Small Finan is around Rs 183.4418. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Suryoday Small Finan?
Ans: The ROE of Suryoday Small Finan is 6.1976% and ROCE of Suryoday Small Finan is 7.1915%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Suryoday Small Finan a good buy for the long term?
Ans: The Suryoday Small Finan long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Suryoday Small Finan undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Suryoday Small Finan appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Suryoday Small Finan’s financials?
Ans: You can review Suryoday Small Finan’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Suryoday Small Finan

Suryoday Small Finance Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Suryoday Small Finance Bank Ltd. is a prominent financial institution in India that specializes in providing banking services to underprivileged and unserved sections of society. With a strong focus on financial inclusion, the company aims to empower individuals and businesses by offering a range of innovative banking products and services.

Suryoday Small Finance Bank Ltd. - Share Price

The share price of Suryoday Small Finance Bank Ltd. is an important indicator for investors. As a long-term stock investor, understanding the share price trend can help you make informed decisions. By using our pre-built screening tools, you can conveniently track and analyze the historical performance of the company's shares.

Suryoday Small Finance Bank Ltd. - Balance Sheet

Analyzing the balance sheet of Suryoday Small Finance Bank Ltd. can provide insights into the financial health and stability of the company. Our premium features offer tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis to help you calculate fair value and assess the performance of the bank. You can also access the annual reports of the company, as well as other downloadable resources, on our website.

Suryoday Small Finance Bank Ltd. - Annual Report

The annual report of Suryoday Small Finance Bank Ltd. offers a comprehensive overview of the company's operations, financial performance, and strategic objectives. By studying the annual report, investors can gain valuable insights into the bank's governance, risk management practices, and future prospects. You can conveniently download the annual reports of the company from our website.

Suryoday Small Finance Bank Ltd. - Dividend

Dividend payments play a crucial role in evaluating the attractiveness of a stock for long-term investors. Suryoday Small Finance Bank Ltd. has a consistent track record of rewarding its shareholders through dividend payments. By analyzing the dividend history of the company, potential investors can assess the bank's commitment to generating returns for its shareholders.

Suryoday Small Finance Bank Ltd. - Quarterly Result

Monitoring the quarterly results of Suryoday Small Finance Bank Ltd. allows investors to stay updated on the bank's financial performance and track its progress over time. Our website provides access to quarterly reports, including detailed financial statements and analysis. With our premium features, you can use various tools to assess the profitability and efficiency of the bank's operations.

Suryoday Small Finance Bank Ltd. - Stock Price

Regularly monitoring the stock price of Suryoday Small Finance Bank Ltd. is essential for long-term investors. Our pre-built screening tools enable you to access real-time stock prices, historical data, and interactive charts, allowing you to make informed investment decisions. Stay up to date with the latest market trends and price movements by using our intuitive and user-friendly stock price features.

Suryoday Small Finance Bank Ltd. - Price Chart

Price charts offer valuable insights into the historical performance of Suryoday Small Finance Bank Ltd.'s shares. By analyzing price patterns, trends, and technical indicators, investors can identify potential buying or selling opportunities. Our website provides easy access to interactive and customizable price charts, equipped with various technical analysis tools, to aid you in your stock analysis.

Suryoday Small Finance Bank Ltd. - News

Staying updated with the latest news and developments related to Suryoday Small Finance Bank Ltd. is vital for investors. Our website offers a dedicated news section, where you can access relevant news articles and market updates relating to the bank. We also provide curated news feeds and expert analysis from reputable sources, enabling you to make well-informed investment decisions.

Suryoday Small Finance Bank Ltd. - Concall Transcripts

Concall transcripts provide detailed insights into the discussions and deliberations that occur during a company's conference calls with analysts and investors. By reading the concall transcripts of Suryoday Small Finance Bank Ltd., investors can gain a deeper understanding of the bank's performance, growth strategy, and management's outlook. You can conveniently access the concall transcripts of the bank on our website.

Suryoday Small Finance Bank Ltd. - Investor Presentations

Investor presentations serve as a valuable resource for understanding a company's business model, growth prospects, and financial highlights. Suryoday Small Finance Bank Ltd. offers investor presentations that provide comprehensive insights into the bank's operations, key metrics, and future plans. Access these informative presentations on our website to enhance your stock analysis.

Suryoday Small Finance Bank Ltd. - Promoters

The promoters of Suryoday Small Finance Bank Ltd. are instrumental in shaping the bank's direction and strategy. By understanding the background, expertise, and vision of the promoters, investors can assess the stability and long-term prospects of the bank. Stay informed about the promoters of the company through our detailed promoter profiles and analysis tools.

Suryoday Small Finance Bank Ltd. - Shareholders

Understanding the ownership structure and major shareholders of Suryoday Small Finance Bank Ltd. is essential for stock analysis. By analyzing the significant shareholders of the bank, investors can assess the level of institutional interest and the confidence of long-term investors. Our website provides access to comprehensive shareholder data, allowing you to gain insights into the company's ownership dynamics.

Remember to visit our website to utilize our pre-built screening tools, access downloadable resources like annual reports and research reports, and make use of our premium features for fair value calculations and in-depth analysis. Happy stock analyzing! 

Suryoday Small Finance Bank's Growing Reserves

Suryoday Small Finance Bank has shown a resilient and robust pattern in its reserves from March 2020 to March 2024, increasing from Rs 972.53 Cr to Rs 1,688.66 Cr. This growth indicates a strengthening of the bank's financial stability and its ability to withstand economic fluctuations.

Evolution of Deposits in Suryoday Small Finance Bank

The bank has remarkably increased its deposits from Rs 2,848.71 Cr in March 2020 to Rs 7,777.27 Cr by March 2024. This five-year timeline displays a consistent upward trajectory in customer trust and market capture.

Borrowings and Debt Management by Suryoday Small Finance Bank

Suryoday Small Finance Bank has carefully navigated its borrowings and debt levels. By March 2023, borrowings stood at Rs 2,765.41 Cr, with a slight reduction observed by March 2024 to Rs 2,442.98 Cr, showcasing prudent debt management and operational efficiency.

Asset Growth in Suryoday Small Finance Bank's Balance Sheet

The bank's total assets have seen a commendable escalation from Rs 5,364.52 Cr in March 2020 to Rs 12,377.68 Cr by March 2024. Significant growth in advances from Rs 3,531.94 Cr to Rs 8,077.97 Cr during the same period indicates robust credit growth and asset quality.

The data provided herein offers an analytical glimpse into the Standalone Balance Sheet of Suryoday Small Finance Bank, highlighting its growth and financial health over the years.

This analysis is crucial for investors monitoring the performance of banking stocks on NSE and BSE indices, fostering informed decision-making in the dynamic financial sector.

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