Suryoday Small Finance Bank posted a robust financial performance for the quarter and year ended March 31, 2026, with its Board of Directors approving the audited financial results at a meeting held on May 07, 2026. The bank recorded a net profit of ₹4,972 lakhs in Q4FY26, reversing a net loss of ₹3,378 lakhs in the corresponding quarter of the previous year. For the full financial year ended March 31, 2026, net profit rose to ₹15,197 lakhs from ₹11,497 lakhs in FY25, reflecting steady growth across income streams and improved provisioning metrics. The financial results were audited by joint statutory auditors M/s. Mukund M. Chitale & Co. and M/s. Gokhale & Sathe, Chartered Accountants, who issued an unmodified audit opinion. Subsequently, pursuant to Regulation 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the bank published its audited financial results in Business Standard (English, nationwide circulation) and Mumbai Lakshdeep (Marathi), both dated May 09, 2026, and submitted the newspaper advertisements to NSE and BSE via a letter signed by Company Secretary & Compliance Officer Krishna Kant Chaturvedi.

Financial Performance Highlights

The bank's total income for Q4FY26 stood at ₹69,189 lakhs, up from ₹53,068 lakhs in Q4FY25. Interest earned for the quarter rose to ₹60,159 lakhs from ₹47,058 lakhs in Q4FY25, driven primarily by higher interest and discount on advances. For the full year, total income increased to ₹2,51,996 lakhs from ₹2,17,100 lakhs in FY25. The following table summarises the key financial metrics:

The newspaper advertisement also disclosed that net profit before tax (before and after exceptional items) for Q4FY26 stood at ₹6,565 lakhs, compared to a loss of ₹4,678 lakhs in Q4FY25. For FY26, the pre-tax profit was ₹19,957 lakhs versus ₹14,383 lakhs in FY25. Full-year basic EPS stood at ₹14.30 and diluted EPS at ₹14.29, while the Securities Premium Account was ₹1,18,863 lakhs as at March 31, 2026.

Asset Quality and Key Ratios

The bank's asset quality showed improvement both on a quarter-on-quarter and year-on-year basis. Gross NPAs as a percentage of gross advances declined to 6.55% as at March 31, 2026, from 6.69% as at December 31, 2025 (QoQ), and from 7.16% as at March 31, 2025 (YoY). Net NPAs as a percentage of net advances also improved to 4.21% from 4.35% QoQ and from 4.58% YoY. The Capital Adequacy Ratio (CRAR), computed as per RBI directions, stood at 20.45% as at March 31, 2026, compared to 21.94% as at December 31, 2025 and 25.83% as at March 31, 2025. The bank carries a floating provision of ₹5,917 lakhs as on March 31, 2026, of which ₹2,210 lakhs was created during the year.

Figures for the respective quarter ended are not annualized.

Balance Sheet Overview

The bank's total assets grew to ₹19,88,396 lakhs as at March 31, 2026, from ₹15,61,439 lakhs as at March 31, 2025. Advances increased to ₹12,87,876 lakhs from ₹9,97,435 lakhs, while deposits rose significantly to ₹13,99,404 lakhs from ₹10,57,961 lakhs. Reserves and surplus stood at ₹1,97,203 lakhs as at March 31, 2026, compared to ₹1,82,081 lakhs in the previous year.

Cash Flow Summary

For the year ended March 31, 2026, the bank generated net cash flow from operating activities of ₹65,233 lakhs, compared to ₹1,31,998 lakhs in the previous year. Net cash used in investing activities stood at ₹79,157 lakhs, while net cash flow from financing activities was ₹41,213 lakhs. Cash and cash equivalents at the end of the year stood at ₹1,97,584 lakhs, up from ₹1,70,295 lakhs at the beginning of the year.

Segment Performance

Retail Banking remained the dominant revenue contributor, generating segment revenue of ₹2,34,263 lakhs for FY26, compared to ₹2,03,911 lakhs in FY25. The Treasury segment contributed revenue of ₹30,275 lakhs in FY26 versus ₹23,861 lakhs in FY25, while the Corporate segment reported revenue of ₹16,244 lakhs against ₹12,341 lakhs in FY25. Other Banking Operations contributed ₹5,216 lakhs in FY26 compared to ₹3,442 lakhs in FY25. Total segment assets expanded to ₹19,88,396 lakhs as at March 31, 2026, from ₹15,61,439 lakhs as at March 31, 2025.

Loan Transfers and Other Disclosures

During the year ended March 31, 2026, the bank transferred loans not in default through assignment, with aggregate principal outstanding of ₹13,661.84 lakhs and aggregate consideration received (including interest) of ₹12,978.75 lakhs. The weighted average residual maturity was 28.12 months and the weighted average holding period was 20.59 months, with retention of beneficial economic interest at 13%. Additionally, the bank transferred stressed loans to ARCs involving 1 account with aggregate principal outstanding of ₹1,166 lakhs and aggregate consideration of ₹566 lakhs. The bank also recognised an estimated incremental impact of ₹18.13 lakhs under employees cost during the year ended March 31, 2026, on account of the New Labour Codes notified by the Government of India on November 21, 2025.

Dividend and Corporate Actions

The Board of Directors recommended a final dividend of ₹1.50 (Rupee One and Fifty Paise) per equity share of face value ₹10 each, representing 15% of face value, out of profits for the financial year ended March 31, 2026. The dividend is subject to shareholder approval at the ensuing Annual General Meeting. The Board also approved the initiation of a Postal Ballot process to seek shareholder approval for the appointment of two Independent Directors:

• Mr. Sunil Satyapal Gulati (DIN: 00016990) — appointed as Independent Director for a period of five consecutive years effective March 12, 2026 to March 11, 2031, not liable to retire by rotation.
• Mr. Alok Sethi (DIN: 00277481) — appointed as Independent Director for a period of five consecutive years effective March 12, 2026 to March 11, 2031, not liable to retire by rotation.

Additionally, the Board deliberated on the agenda item relating to the raising of funds through equity and debt securities and decided to take up the matter for detailed discussion at a subsequent meeting. The bank confirmed that during the quarter and year ended March 31, 2026, it did not issue any non-convertible debt securities and has no outstanding secured listed non-convertible debt securities as on March 31, 2026.

Source: None/Company/INE428Q01011/6ec11f7b512a4c3e.pdf

Suryoday Small Finance Bank Limited has announced a key senior management appointment, bringing in an experienced banking professional to lead its product development and customer experience initiatives. The bank disclosed this appointment in compliance with regulatory requirements on April 07, 2026.

Key Appointment Details

The bank has appointed Mr. Aniket Vishwas Sapre as Chief Products Officer & Head Customer Experience, effective April 07, 2026. This appointment was disclosed under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Professional Background

Mr. Sapre brings substantial experience to his new role at Suryoday Small Finance Bank. His professional profile demonstrates deep expertise across multiple areas of banking operations.

Experience and Expertise

The following table highlights Mr. Sapre's professional credentials:

Regulatory Compliance

The appointment disclosure was made pursuant to multiple regulatory frameworks and circulars. The bank ensured compliance with SEBI Listing Regulations read with Schedule III and relevant SEBI circulars including SEBI/HO/CFD/CFD-PoD-1/P/CIR/2023/123 dated July 13, 2023, and SEBI Master Circular No. HO/49/14/14(7)2025-CFD-POD2/1/3762/2026 dated January 30, 2026.

Strategic Implications

The appointment of Mr. Sapre reflects the bank's focus on strengthening its product development capabilities and enhancing customer experience. His extensive background with leading financial institutions, combined with his previous experience at Suryoday Small Finance Bank, positions him well to drive the bank's product strategy and customer-centric initiatives. The disclosure has been made available on the bank's website for stakeholder information and transparency.