Suryoday Small Finance Bank Limited showcased a robust performance for the quarter ending September 30, 2025, with marked growth across key segments alongside improvement in asset quality. The bank's gross advances rose 23% year-on-year to ₹11,544 crore, supported by a 49% surge in disbursements to ₹2,430 crore, signaling strong lending momentum.
Key Highlights:
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Deposits increased by 35% year-on-year to ₹11,991 crore, with retail deposits notably up 45% to ₹10,316 crore. The bank’s CASA ratio improved significantly to 20.7%, reflecting a 57% growth in CASA deposits year-on-year.
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Asset quality showed signs of stabilization. Gross Non-Performing Assets (GNPA) rose to 9.3%, from 2.9% a year ago, but net NPA reduced to 3.8% from 5.6% in the previous quarter, aided by receipt of ₹314 crore under the Credit Guarantee Fund for Micro Units (CGFMU).
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The bank's prudent risk management strategy continues with over 90% of NNPA covered by CGFMU and almost 98% coverage of the Inclusive Finance portfolio under the scheme.
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Provision Coverage Ratio (PCR) improved to approximately 62% following the CGFMU claim recovery, enhancing financial resilience.
Suryoday's strategic focus on expanding retail and MSME assets, alongside rigorous credit protection mechanisms, positions it strongly for continued profitable growth in FY26.
Source: Suryoday Small Finance Bank Q2 FY26 Results announcement