Suryoday Small Finance Bank Limited has announced its Q4FY26 quarterly results, demonstrating strong financial performance across key metrics. The bank disclosed these results under Regulation 30 of SEBI regulations, highlighting significant growth in advances, deposits, and disbursements for the quarter ended March 31, 2026.

Financial Performance Overview

The bank's financial metrics for Q4FY26 showcase robust growth across multiple parameters:

Advances and Disbursement Growth

Gross advances reached ₹13,201 crore in Q4FY26, marking an impressive 29% year-on-year growth from ₹10,251 crore in Q4FY25. Quarter-on-quarter growth stood at 11% from ₹11,885 crore in Q3FY26. Disbursements for the quarter totaled ₹3,077 crore, representing a substantial 46% year-on-year increase from ₹2,101 crore in the corresponding quarter of the previous year. Excluding Supply Chain Finance (SCF), disbursements grew by 50% YoY to ₹2,746 crore.

Deposit Performance and CASA Growth

Total deposits demonstrated strong momentum, reaching ₹13,958 crore with a 32% year-on-year growth. The deposit composition showed retail deposits at ₹12,003 crore with 40% YoY growth, while bulk deposits stood at ₹1,955 crore. CASA deposits grew significantly by 42% year-on-year to ₹3,141 crore, improving the CASA ratio to 22.5% from 20.9% in Q4FY25.

Asset Quality and Collection Efficiency

The bank maintained strong collection efficiency metrics with notable improvements:

Gross Non-Performing Assets (GNPA) improved to 6.5% from 7.2% in Q4FY25, indicating better asset quality management.

Digital Initiatives and Risk Management

The bank's digital transformation initiatives showed significant progress with credit-line on UPI crossing 5 lakh customers. Digital deposits reached approximately ₹1,867 crore, reflecting the bank's focus on digital banking solutions. As a prudent risk management practice, the bank continues to cover its eligible portfolio under the Credit Guarantee Scheme, with approximately 98% of the Inclusive Finance portfolio covered under the CGFMU Scheme as of March 2026.

GNPA and Provision Details

The bank provided a detailed breakup of its asset quality metrics as of March 31, 2026:

The management noted that all figures are provisional unaudited numbers subject to review and approval by the Audit Committee and Board of Directors, as well as audit by the bank's statutory auditors.

Suryoday Small Finance Bank has announced that its Promoter and Managing Director & CEO, Mr. Baskar Babu Ramachandran, has purchased 50,000 equity shares of the bank through open market transactions. The purchase was executed in accordance with a pre-submitted trading plan and complies with applicable SEBI regulations.

Transaction Details

The share purchase was conducted over two trading sessions as part of a structured trading plan:

The transactions were executed in accordance with the trading plan submitted to stock exchanges via the bank's letter dated November 13, 2025, under Regulation 5(5) of the SEBI Prohibition of Insider Trading Regulations, 2015.

Shareholding Pattern Changes

Following the completion of these transactions, the detailed shareholding structure has been updated as per SEBI Takeover Regulations:

Regulatory Compliance Framework

The bank has submitted comprehensive disclosures under multiple SEBI regulations. The acquisition complies with Regulation 29(2) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011. The updated promoter holdings remain within RBI pre-approved limits and applicable regulatory provisions.

Share Capital Structure

The bank's equity share capital remains unchanged at 10,62,89,824 equity shares of ₹10 each, aggregating ₹106.29 crore. The acquisition represents a marginal increase in the promoter's individual shareholding while maintaining overall compliance with banking regulations.

Market Transaction Details

The open market purchases were executed through regular trading sessions on both BSE Limited and National Stock Exchange of India Limited, where the bank's shares are listed. The transactions form part of the promoter's strategic investment in the bank's equity, demonstrating confidence in the institution's growth prospects.