	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	166	340	491	410	584	747	962	1,106	1,094
Non-Interest Revenue	38	67	88	100	94	97	219	217	364
Total Revenue	204	407	578	510	678	844	1,182	1,323	1,458
Total Operating Expenses	150	283	353	357	771	743	894	1,180	1,259
Operating Profit	54	124	225	153	-93	101	288	144	200
Operating Margin	26.6	30.4	38.9	29.9	-13.7	11.9	24.3	10.9	13.7
Profit before Taxes	11	90	111	12	-93	101	288	144	200
Income Taxes	-	-	-	-	-	23	72	29	48
Profit after Tax	11	90	111	12	-93	78	216	115	152
PAT Margin	5.6	22.2	19.2	2.3	-13.7	9.2	18.3	8.7	10.4
EPS - Basic - ex Extraordinary Items	1.08	8.52	10.48	1.12	-8.76	7.32	20.34	10.82	14.30
EPS - Diluted - ex Extraordinary Items	1.08	8.52	10.48	1.12	-8.76	7.32	20.30	10.82	14.29
EBIT	54	124	225	153	-93	101	288	144	200
EBITDA	59	130	235	168	-74	144	339	199	267
EBITDA Margin	28.9	31.8	40.6	32.9	-10.9	17.1	28.7	15.1	18.3

Balance Sheet

Abridged

Understanding Balance Sheet

Suryoday Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	87	73	79	270	205	833	859	1,529	2,099
Lending & LT Balance with Banks	39	154	130	327	773	9	322	181	-
Property Plant & Equipment - Net	14	19	39	43	115	164	169	290	298
Total Assets	2,156	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884
Deposits - Total	750	1,593	2,849	3,256	3,850	5,167	7,777	10,580	13,994
Long Term Debt	210	677	1,134	1,105	2,034	1,930	1,129	1,886	3,122
Total Liabilities	1,617	2,881	4,298	5,115	6,675	8,276	10,573	13,687	17,806
Total Shareholders' Equity	538	880	1,066	1,597	1,505	1,585	1,805	1,927	2,078
Total Equity	538	880	1,066	1,597	1,505	1,585	1,805	1,927	2,078
Total Liabilities & Equity	2,156	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884

Cash Flow

Abridged

Understanding Cash Flow Statement

Suryoday Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	82	161	255	174	281	396	498	345	418
Working Capital - Increase/(Decrease)	376	-706	271	-1,050	-627	-493	437	975	235
Net CF from Operating Activities	458	-545	526	-876	-347	-98	935	1,320	652
Capital Expenditures - Net	10	11	30	20	91	93	56	177	75
Net CF from Investing Activities	-84	-14	-167	-280	-158	-266	-263	-1,059	-792
Stock - Issuance/(Retirement) - Net	26	249	70	513	0	-1	1	1	0
Debt - LT & ST - Issuance/(Retirement) - Total	-311	406	140	402	885	214	-322	267	412
Net Cash Flow from Financing Activities	-285	655	210	915	885	213	-322	268	412
Free Cash Flow to Equity	136	-150	637	-494	447	24	557	1,410	989
Free Operating CF net dividend	446	-556	496	-896	-438	-190	879	1,143	577
Free Operating CF	446	-556	496	-896	-438	-190	879	1,143	577

Business Segment Analysis

FY End:

Mar 25

Suryoday Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail banking (83.7%)₹ 2,039.11 CrTreasury (9.8%)₹ 238.61 CrCorporate (5.1%)₹ 123.41 CrOther banking operations (1.4%)₹ 34.42 Cr

Assets

Retail banking (57.7%)₹ 9,003.26 CrTreasury (31.0%)₹ 4,845.37 CrCorporate (10.7%)₹ 1,674.41 CrUnallocated (0.5%)₹ 81.64 CrOther banking operations (0.1%)₹ 9.71 Cr

Regional Segment Analysis

FY End:

Mar 25

Suryoday Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 1,323.34 Cr

Assets

India (100.0%)₹ 15,614.39 Cr

Historical Segment Analysis

Track how Suryoday Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for Suryoday Small Finance Bank Ltd..

Frequently Asked Questions

What is the revenue of Suryoday Small Finance Bank Ltd.?

The latest trailing twelve month revenue of Suryoday Small Finance Bank Ltd. is ₹ 1,458.38 Cr, reflecting a 1-year growth of 10.20% and a 3-year CAGR of 20.00%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Suryoday Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Suryoday Small Finance Bank Ltd. is ₹ 151.97 Cr, with a 3-year earnings CAGR of 24.99%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Suryoday Small Finance Bank Ltd.?

The trailing twelve month EBITDA of Suryoday Small Finance Bank Ltd. is approximately ₹ 199.57 Cr (based on an operating margin of 13.68%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Suryoday Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Suryoday Small Finance Bank Ltd. is 14.29. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Suryoday Small Finance Bank Ltd.?

The debt-to-equity ratio of Suryoday Small Finance Bank Ltd. stands at 1.50. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Suryoday Small Finance Bank Ltd.?

The estimated book value per share of Suryoday Small Finance Bank Ltd. is 193.88 (derived from a P/B ratio of 0.94 and market price of ₹ 182.15), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Suryoday Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of Suryoday Small Finance Bank Ltd. is ₹ 652.33 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Suryoday Small Finance Bank Ltd. report consolidated or standalone financials?

Suryoday Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.