Suryoday Small Finance Bank Ltd
Suryoday Small Finance Bank Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
The bank expects modest growth in disbursements, with focus on individual loans, particularly the Vikas loan product for new-to-bank customers. The bank expects a moderation in slippages with slight improvement in credit costs, though Q4 will remain stressful with better performance anticipated from Q1 FY26 onwards.
From Suryoday Small Finance Bank Ltd's Q3 FY25 earnings-call transcript · updated 26 Aug 2026.
Revenue & Sales Performance
- The bank expects modest growth in disbursements, with focus on individual loans, particularly the Vikas loan product for new-to-bank customers.
- Wheels and mortgage businesses are leading growth with 40% and 43% YoY growth respectively.
- Inclusive Finance disbursements are being moderated cautiously due to market conditions but expected to improve gradually.
- Digital partnerships are helping drive steady deposit inflows (~INR 2.5 Cr daily), supporting a robust retail granular deposit franchise.
- Loan growth is expected to be balanced with deposit growth; the bank aims to maintain a stable Loan-to-Deposit Ratio (LDR) encouraged by growing digital deposits.
- Bank intends to improve collection efficiencies and asset quality to support sustainable growth.
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Profitability & Margins
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Capital Expenditure Plans
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Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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Continue your research
What Suryoday Small's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q1 FY26 earnings call →
- Q4 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
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Frequently Asked Questions
What were Suryoday Small Finance Bank Ltd Q3 FY25 results?
The bank expects modest growth in disbursements, with focus on individual loans, particularly the Vikas loan product for new-to-bank customers. The bank expects a moderation in slippages with slight improvement in credit costs, though Q4 will remain stressful with better performance anticipated from Q1 FY26 onwards.
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 8.4 with a market cap of ₹1,616 Cr. Investors should review the full earnings analysis for detailed insights.
Is Suryoday Small Finance Bank Ltd planning capital expenditure?
The provided transcript does not explicitly mention any current or future capex, capital investment, or strategic investment plans by Suryoday Small Finance Bank Limited.
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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.