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Suryoday Small Finance Bank Ltd

Q1 FY27Banks

Suryoday Small Finance Bank Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹146
Market cap₹1.6K Cr
P/E8.1
Updated23 Sept 2026
Read4 min read

What the Q1 FY27 call signalled

3 of 4 strong

RevenueGood growth
MarginMargins steady
CapexCapex planned
FundraiseFundraise planned

The short version

Retail secured businesses expected to grow at 30-35% YoY, adding to growth momentum. The bank targets a PAT of INR 300 crores+ for FY27 with a quarterly target of around INR 75 crores, though Q2 may be subdued due to lower PSL income.

From Suryoday Small Finance Bank Ltd's Q1 FY27 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

Good growth
  • Retail secured businesses expected to grow at 30-35% YoY, adding to growth momentum.
  • CLOU business growing exponentially with increasing customer base; projections to double users from 6 lakh to around 12 lakh during the financial year.
  • Focus on individual loans, with individual loans contributing around 80% of monthly onboarding; planned reduction of JLG exposure over 1-1.5 years.
  • Intend to maintain growth at around 30%, with balanced sustained monthly PAT target of INR 75 crores per quarter.
  • Expansion plans include adding approximately 50 branches in coming quarters, particularly for secured retail products like micro mortgages and commercial vehicles.
  • Digital deposit growth, particularly CASA, expected to continue, with CASA ratio maintenance targeted at 21%.

2 more points management made on revenue & sales performance

Profitability & Margins

See what Suryoday Small Finance Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • The bank plans to invest in technology infrastructure, as indicated by increased expenses related to technology (Page 6 & 11).
  • Expansion plans include adding around 50 branches in the current and next quarter, focusing on inclusive finance and commercial vehicles; mortgage presence to increase from 25% to 40-45% of branches by year-end (Page 11).
  • Evaluation of fresh Tier 2 capital issuance is underway, with hopes to close within the quarter; Tier 1 capital raise is under consideration but not finalized (Page 14).
  • Continued investments in digital capabilities, such as scaling the CLOU business and developing VKYC technology for broader customer reach (Pages 11-12).

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1AU Small Finance
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Suryoday Small Finance Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The document does not explicitly mention the current or expected order book or pending orders for Suryoday Small Finance Bank Limited. The content focuses on financial performance, business growth, asset quality, loan portfolio composition, and strategic priorities rather than order book or pending orders. Key highlights related to growth and business momentum include: - Retail secured businesses growing between 30% to 35% year-on-year. - CLOU business growing exponentially with an increasing customer base. - Plans to add around 50 branches in the upcoming quarters, focusing on inclusive finance and commercial vehicles. - Expanding mortgage business to 40%-45% of branches by year-end.

2 more points management made on order book & pipeline

Continue your research

What Suryoday Small Finance Bank Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Suryoday Small Finance Bank Ltd Q1 FY27 results?

Retail secured businesses expected to grow at 30-35% YoY, adding to growth momentum. The bank targets a PAT of INR 300 crores+ for FY27 with a quarterly target of around INR 75 crores, though Q2 may be subdued due to lower PSL income.

What is Suryoday Small Finance Bank Ltd share price analysis?

Suryoday Small Finance Bank Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 8.1 with a market cap of ₹1,559 Cr. Investors should review the full earnings analysis for detailed insights.

Is Suryoday Small Finance Bank Ltd planning capital expenditure?

The bank plans to invest in technology infrastructure, as indicated by increased expenses related to technology (Page 6 & 11).

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.