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Suryoday Small Finance Bank Ltd

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Suryoday Small Finance Bank Q2 Results 2026 (FY27) investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹133
Market cap₹1.4K Cr
P/E7.4
Updated29 Oct 2026
Read4 min read

Based on Suryoday Small Finance Bank Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Quarterly Figures (Q2 FY27 vs Q2 FY26): - Gross Advances: ₹14,972 Cr, +34.6% YoY - Disbursements: ₹3,096 Cr, +27.4% YoY - Deposits: ₹16,184 Cr, +35.0% YoY - Interest Earned: ₹702.9 Cr, +35.3 EBITDA / Operating Profit: ₹165.8 Cr for Q2 FY27, up 72.7% YoY (from ₹96.0 Cr in Q2 FY26) - Operating Profit After CGFMU: ₹145.5 Cr for Q2 FY27, up 83.8% YoY (from ₹79.1 Cr in Q2 FY26) - Operating Margin / Cost-to-Income Ratio (CTI): 70.6% for Q2 FY27, improved by 596 bps YoY (from 76.6% in Q2 FY26) - Profit After Tax (PAT): ₹76.5 Cr for Q2 FY27, up 151.7% YoY (from ₹30.4 Cr in Q2 FY26) - Margin Outlook: Target ROA for FY27 is 1.3% to 1.4%, with a projected RoE of 13% to 14% (~2x PAT growth asserted in FY27) as per guidance on page 7.

From Suryoday Small Finance Bank Ltd's Q2 FY27 earnings-call transcript · updated 29 Oct 2026.

Revenue & Sales Performance

  • Quarterly Figures (Q2 FY27 vs Q2 FY26):
  • Gross Advances: ₹14,972 Cr, +34.6% YoY
  • Disbursements: ₹3,096 Cr, +27.4% YoY
  • Deposits: ₹16,184 Cr, +35.0% YoY
  • Interest Earned: ₹702.9 Cr, +35.3% YoY
  • Net Interest Income: ₹368.8 Cr, +42.8% YoY
  • Other Income: ₹126.5 Cr, +58.5% YoY
  • Net Profit After Tax: ₹76.5 Cr, +151.7% YoY
  • Outlook/Growth Guidance for FY27:
  • Advances growth: 30%-35%
  • Deposit growth: 30%-35%
  • Profitability: RoA 1.3%-1.4%, RoE 13%-14%

2 more points from Suryoday Small Finance Bank Ltd's call on revenue

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Profitability & Margins

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

Capital Expenditure Plans

It focuses on: - Branch expansion: Planned addition of 100 new branches in FY27 to deepen penetration and expand reach. - Digital banking upgrade: Enhanced digital banking stack and fintech partnerships expected to scale rapidly with lower customer acquisition cost. - Micro-market strategy for rural expansion targeting Tier 3 and Tier 4 locations.

2 more points from Suryoday Small Finance Bank Ltd's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
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

It primarily provides information on: - Loan book and advances growth (₹14,972 Cr. with 34.6% YoY growth as of Q2 FY27) - Disbursements amounting to ₹3,096 Cr. in Q2 FY27, up 27.4% YoY

2 more points from Suryoday Small Finance Bank Ltd's call on order book

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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 Q2 FY27 results?

Quarterly Figures (Q2 FY27 vs Q2 FY26): - Gross Advances: ₹14,972 Cr, +34.6% YoY - Disbursements: ₹3,096 Cr, +27.4% YoY - Deposits: ₹16,184 Cr, +35.0% YoY - Interest Earned: ₹702.9 Cr, +35.3 EBITDA / Operating Profit: ₹165.8 Cr for Q2 FY27, up 72.7% YoY (from ₹96.0 Cr in Q2 FY26) - Operating Profit After CGFMU: ₹145.5 Cr for Q2 FY27, up 83.8% YoY (from ₹79.1 Cr in Q2 FY26) - Operating Margin / Cost-to-Income Ratio (CTI): 70.6% for Q2 FY27, improved by 596 bps YoY (from 76.6% in Q2 FY26) - Profit After Tax (PAT): ₹76.5 Cr for Q2 FY27, up 151.7% YoY (from ₹30.4 Cr in Q2 FY26) - Margin Outlook: Target ROA for FY27 is 1.3% to 1.4%, with a projected RoE of 13% to 14% (~2x PAT growth asserted in FY27) as per guidance on page 7.

What is Suryoday Small Finance Bank Ltd share price analysis?

Suryoday Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 7.4 with a market cap of ₹1,420 Cr. Investors should review the full earnings analysis for detailed insights.

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