Suryoday Small FIN BK Ltd

NSE: SURYODAY · Other Bank · sector

₹130.26NSE close 2026-10-26

Key numbers

Market cap₹1,385 cr

Price₹130.26

52w high / low₹218 / ₹115

P/E7.2xSector median 12.4x

P/B0.7xSector median 1.1x

Book value₹195.5

Dividend yield–Sector median 0.11%

ROE9.6%Sector median 8.8%

ROA0.96%Sector median 0.84%

Gross NPA6.60%

Net NPA1.27%

CET119.37%

Sales growth 3y+31.9%Sector median +31.9%

Profit growth 3y–Sector median +7.1%

PEG0.05x

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

22.35% of the promoters' shares are pledged (5.0% of all shares).
Net loss in 1 of the last 8 quarters.
Total income was higher than a year earlier in 4 of the last 4 quarters.
No dividend in the last 5 financial years.
Price ₹130.26 on 2026-10-26: -40.2% from the 52-week high, +12.9% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹189.84 · low ₹102.63

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	507	488	471	495	520	544	602	622
Net interest income	300	268	245	247	258	277	317	316
Operating profit	127	71	47	109	79	89	107	139
Other income	47	40	60	109	80	81	90	148
Net profit	45	33	-34	35	30	37	50	75
EPS (₹)	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
Revenue YoY					+2.5%	+11.5%	+27.8%	+25.7%
Profit YoY					-33.0%	+9.8%	–	+113.1%

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY21	FY22	FY24	FY25	FY26	TTM
Revenue	776	942	1,589	1,954	2,160	2,287
Net profit	12	-93	216	115	152	192
EPS (₹)	1.32	-8.76	20.34	10.82	14.30	18.05
Revenue growth		+21.3%	+68.7%	+23.0%	+10.6%	+16.7%
Profit growth		-884.4%	–	-46.8%	+32.2%	+139.3%
Dividend / share (₹)	–	–	–	–	–

Compounded growth	3 years	5 years	Last 12 months
Sales	+31.9%	–	+16.7%
Net profit	–	–	+139.3%
EPS	–	–	–
Share price	–	-6.9% (2y)	-5.1%

Balance sheet

₹ cr	FY22	FY24	FY25	FY26
Shareholders' equity	–	1,805	1,927	2,078
Borrowings	–	2,443	2,710	3,122
Cash & equivalents	–	0	0	0
Total assets	–	12,378	15,614	19,884

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY24	FY25	FY26
Cash from operations	-347	935	1,320	652
Cash from investing	-158	-263	-1,059	-792
Cash from financing	885	-322	268	412
Capex	0	0	0	0
Free cash flow	-347	935	1,320	652

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY24	FY25	FY26
ROE %	–	12.0%	6.0%	7.3%

Shareholding

Holder	% (2026-09-30)
Promoters	22.48%
FIIs	4.70%
DIIs	5.65%
of which Mutual funds	1.68%
of which Insurance	3.24%
Public (non-institutions)	67.17%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	22.30%	22.44%	22.44%	22.44%	22.44%	22.48%	22.48%	22.48%

Promoter group	%
Baskar Babu Ramachandran	5.22%
Sunaina PAI Ocalan	4.18%
Sheela PAI Cole	4.18%
P S Jagdish	3.32%
Panemangalore Surendra PAI	2.28%
Savita Surendra PAI	2.01%
Peruvamba Engineering LLP	0.78%
Gealgeo Varghese Alankara	0.51%

Public holders above 1%	%
Responsability Participations Mauritius	3.58%
Gaja Capital Fund II Limited	3.46%
Deg-deutsche Investitions -UND Entwicklungsgesells	3.30%
Teachers Insurance and Annuity Association of America	3.27%
1729 Capital	3.12%
Mukul Mahavir Agrawal	2.82%
Evolvence India Fund II Ltd	2.73%
HDFC Life Insurance Company Limited	2.00%
Bandhan Small CAP Fund	1.63%
AKM Systems Private Limited	1.44%
ICICI Prudential Life Insurance Company Limited	1.24%
Kiran Vyapar Ltd	1.07%

89,933 shareholders. Pledged: 22.35% of promoter shares.

Peers in Other Bank

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
AUBANK	₹65,086 cr	22.7x	3.3x	15.4%	1.49%	2.10%	+31.4%	0.11%
UJJIVANSFB	₹10,731 cr	9.3x	1.4x	16.6%	1.83%	2.10%	+35.1%	–
EQUITASBNK	₹7,354 cr	14.4x	1.2x	8.4%	0.84%	2.42%	+25.2%	0.00%
JSFB	₹3,989 cr	10.5x	0.9x	8.8%	0.80%	2.39%	–	–
UTKARSHBNK	₹2,086 cr	–	0.8x	-32.9%	-3.27%	6.09%	–	–
ESAFSFB	₹1,932 cr	17.4x	1.1x	-0.3%	-0.02%	5.40%	–	–
SURYODAY	₹1,385 cr	7.2x	0.7x	9.6%	0.96%	6.60%	+31.9%	–
CAPITALSFB	₹1,187 cr	7.9x	0.8x	10.8%	1.24%	2.47%	–	1.53%
FINOPB	₹995 cr	47.6x	1.2x	2.7%	0.39%	0.00%	+91.0%	–

All 9 companies in Other Bank →

Business segments (FY26)

Segment	Revenue	Share	EBIT	Margin
Retail Banking	₹2,343 cr	81.9%	₹201 cr	8.6%
Treasury	₹303 cr	10.6%	₹53 cr	17.5%
Corporate	₹162 cr	5.7%	₹-44 cr	-27.0%
Other Banking Operations	₹52 cr	1.8%	₹0 cr	0.0%
Unallocated	₹0 cr	–	₹-10 cr	–

Dividends & corporate actions

Ex-date	Action	Detail
2026-07-17	Dividend	Dividend - Rs 1.50 Per Share
2024-09-05	Other	Annual General Meeting
2023-09-07	Other	Annual General Meeting
2022-08-18	Other	Annual General Meeting
2021-09-13	Other	Annual General Meeting

Documents

Links go to the original files on the exchange website.

About the company

The Bank offers a range of deposit and loan products, to suit varying customer needs. These include Savings Accounts, Current Accounts, Fixed/ Recurring Deposits, Microfinance Loans for Financial Inclusion, Affordable Housing Loans, Commercial Vehicle Loans, etc.: Financial service activities, other than Insurance


Sector	Financial Services
Industry	Other Bank
Sub-industry	Other Bank
Symbol	SURYODAY
BSE code	543279
ISIN	INE428Q01011
Face value	₹10.0
Incorporated	2008-11-10
Website	https://www.suryodaybank.in
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.