Suryoday Small Finance Bank Limited share price

Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, current, and special accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro housing loans and micro LAP; home loan; secured business loan; personal loan; MSME loan; merchant loan for business; small business loan; and supply chain finance, as well as joint liability group and individual unsecured loans. In addition, the compan…Read more

Website NSE हिंदी में BSE

Financial ServicesBanks - RegionalNSE: SURYODAYISIN INE428Q01011

16 Oct 2026, 3:29 PM IST₹147.97▲ 0.20 (0.14%)

Market Cap₹ 1,573 Cr.
Current Price₹ 147.97
High / Low₹ 218 / 115
Stock P/E8.2
Book Value₹ 196
Dividend Yield1.01 %
Price / Book0.76
ROE7.60 %
Face Value₹ 10.0

More figures (8)

EPS (TTM)₹ 18.03
Net margin10.4 %
Sales growth (3Y)31.9 %
Profit growth (3Y)—
Promoter holding35.4 %
EV / EBITDA—
Beta0.56
All-time high₹ 296

Price chart

Price on NSE 50 DMA 200 DMA Volume

Returns	1M	3M	6M	YTD	1Y	3Y CAGR	5Y CAGR
SURYODAY	+3.04%	-20.23%	+2.88%	+5.06%	+4.89%	-3.40%	-4.43%
Nifty 50	-0.31%	-3.85%	-4.34%	-11.42%	-9.53%	+5.46%	+4.76%

Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.

Quick take

Suryoday Small Finance Bank Limited is in the Banks - Regional industry (Financial Services), with a market value of ₹1,573 crore.
It trades at 8.2 times its last 12 months' earnings and 0.8 times book value.
Revenue grew 31.9% a year over the last 3 years.
Return on equity was 7.6% in the latest year.
The share price is 32.1% below its 52-week high and up 4.9% over one year.
Promoters and insiders hold about 35.4%; institutions about 19.0%.

Pros

Sales have grown 31.9% a year over the last 3 years.
Latest quarter (Jun 2026): sales up 26% and profit up 113% from a year ago.
Trades at 8.2 times earnings, below its 3-year median of 11.6.

Cons

Return on equity has been low: 8.8% on average over the last 3 years.
Institutional (FII + DII) holding has fallen by 9.7 points over 3 years.

Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.

About Suryoday Small Finance Bank Limited

Employees: 8,574
Head office: Navi Mumbai

Financial ServicesBanks - Regional

S.No.	Company	CMP ₹	P/E	Mar Cap ₹ Cr	Div Yld %	NP Qtr ₹ Cr	Qtr Profit Var %	Sales Qtr ₹ Cr	Qtr Sales Var %	ROCE %	ROE %	P/B	OPM %	Debt / Eq	Prom. Hold. %	Sales ₹ Cr	Sales Var 3Yrs %
1.	Suryoday Small Finance Bank	147.97	8.2	1,573	1.01	75	113.10	622	25.69	—	7.6	0.76	—	1.37	35.40	2,160	31.9
2.	HDFC Bank	728.85	15.9	11,23,776	1.79	20,383	19.26	90,575	3.67	—	8.9	1.85	—	0.81	0.18	3,48,615	16.9
3.	ICICI Bank	1,397.00	18.1	10,02,968	0.86	16,210	12.62	52,241	6.44	—	16.0	2.63	—	0.57	3.54	1,95,218	18.1
4.	State Bank of India	962.60	10.3	8,88,554	1.81	24,579	13.65	1,36,240	8.36	—	15.4	1.43	—	1.22	57.23	5,14,933	12.2
5.	Kotak Mahindra Bank	447.40	21.9	4,45,068	0.15	5,487	23.89	18,355	6.41	—	11.4	2.46	—	0.53	28.41	69,781	13.5
6.	Axis Bank	1,290.00	14.5	4,01,677	0.08	7,632	2.10	22,998	5.32	—	13.1	1.80	—	1.30	3.33	88,067	12.2
7.	Punjab National Bank	116.30	6.1	1,33,663	2.61	5,815	16.54	15,370	-1.85	—	13.0	0.85	—	0.58	70.08	62,620	10.0
8.	Union Bank of India	171.68	6.3	1,31,054	2.90	5,642	12.58	15,455	-2.48	—	15.7	0.94	—	0.55	74.76	58,788	7.6
9.	Bank of Baroda	230.40	6.6	1,19,148	3.73	1,573	-53.08	35,115	6.84	—	12.7	0.71	—	0.94	66.46	1,34,298	10.3
10.	Indian Bank	854.10	8.7	1,15,044	2.19	3,357	12.58	10,341	10.86	—	15.4	1.32	—	0.46	76.55	37,794	10.4
	Median: 39 Co.	588.13	10.2	54,932	0.86	5,728	13.13	20,676	6.43	—	12.0	1.16	—	0.70	46.32	78,924	12.2

Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.

Quarterly Results

Standalone figures in ₹ crore

₹ Cr	Sep 2022	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	281	375	411	445	488	507	488	471	495	520	544	602	622
YOY Revenue Growth %		33.52%				35.17%	18.78%	5.83%	1.44%	2.46%	11.48%	27.84%	25.69%
Interest on advances	242	326	359	396	434	451	430	416	434	456	477	527	543
Income on investments	37	47	49	45	49	49	52	48	51	54	52	58	63
Interest	105	154	165	174	195	207	220	226	248	261	267	285	307
	184	205	221	255	271	287	270	352	309	299	310	341	362
Employee cost	52	84	93	108	114	110	105	116	115	126	128	143	137
Other operating expenses	56	95	90	99	105	111	131	142	132	132	141	157	188
Provisions & contingencies	76	27	38	48	52	67	34	93	62	40	41	41	37
Financing Profit	-8	16	24	15	23	13	-2	-107	-62	-41	-33	-25	-46
Financing Margin %	-3%	4%	6%	3%	5%	3%	0%	-23%	-12%	-8%	-6%	-4%	-7%
Other Income	25	52	52	65	70	47	40	60	109	80	81	90	148
Profit before tax	17	68	76	80	93	60	38	-47	47	39	48	66	102
Tax %	23%	26%	25%	24%	24%	25%	12%	28%	25%	23%	23%	24%	26%
	13	50	57	61	70	45	33	-34	35	30	37	50	75
Profit to shareholders	13	50	57	61	70	45	33	-34	35	30	37	50	75
YOY Profit Growth %		286.92%				-9.76%	-41.80%	-155.52%	-49.64%	-33.00%	9.79%		113.10%
EPS in Rs	1.22	4.74	5.39	5.73	6.60	4.27	3.13	-3.18	3.32	2.86	3.44	4.68	7.07
Gross NPA %	0.10%	0.03%	0.03%	0.03%	0.03%	0.03%	0.06%	0.07%	0.08%	0.06%	0.07%	0.07%	0.07%
Net NPA %	0.05%	0.01%	0.01%	0.01%	0.00%	0.01%	0.03%	0.05%	0.06%	0.04%	0.04%	0.04%	0.01%
Raw filing

Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.

Profit & Loss

Standalone figures in ₹ crore

₹ Cr	Mar 2021	Mar 2022	Mar 2024	Mar 2025	Mar 2026	TTM
	776	942	1,589	1,954	2,160	2,287
YOY Revenue Growth %		21.35%	68.68%	22.98%	10.57%
Interest on advances	666	817	1,395	1,731	1,894
Income on investments	84	112	183	199	214
Interest	366	357	626	848	1,062	1,120
	498	805	894	1,180	1,259	1,312
Employee cost	186	228	361	444	512	534
Other operating expenses	143	185	367	490	562	619
Provisions & contingencies	169	392	166	245	184	159
Financing Profit	-87	-221	68	-73	-160	-144
Financing Margin %	-11%	-23%	4%	-4%	-7%	-6%
Other Income	99	94	219	217	360	399
Profit before tax	12	-127	288	144	200	255
Tax %	2%	27%	25%	20%	24%	25%
	12	-93	216	115	152	192
Profit to shareholders	12	-93	216	115	152	192
YOY Profit Growth %		-884.40%		-46.76%	32.18%
EPS in Rs	1.32	-8.76	20.34	10.82	14.30	18.05
Gross NPA %	0.09%	0.12%	0.03%	0.07%	0.07%
Net NPA %	0.05%	0.06%	0.01%	0.05%	0.04%

Compounded Sales Growth

3 Years:: 32%
TTM:: 17%

Compounded Profit Growth

TTM:: 139%

Stock Price CAGR

5 Years:: -4%
3 Years:: -3%
1 Year:: 5%

Return on Equity

4 Years:: 8%
Last Year:: 8%

Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.

Balance Sheet

Consolidated figures in ₹ crore, as at 31 March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	106	106	106	106
Reserves	1,479	1,699	1,821	1,972
Borrowings	2,041	1,726	2,485	2,854
	6,235	8,846	11,202	14,952
Trade payables	49	86	19	32
Total Liabilities	9,861	12,378	15,614	19,884
	164	169	290	298
Gross block	261	316	489	560
Accumulated depreciation	96	147	199	262
CWIP	1	17	135	5
Investments	2,570	2,599	3,137	3,693
	7,125	9,593	12,052	15,888
Cash & equivalents	825	1,180	1,709	2,099
Total Assets	9,861	12,378	15,614	19,884

Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.

Cash Flows

Consolidated figures in ₹ crore, financial years ending March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-98	935	1,320	652
Profit for the year	78	216	115	152
Working capital changes	-493	437	982	248
Direct taxes paid	1	-14	-59	-58
	-266	-263	-1,059	-792
Fixed assets purchased	-93	-56	-177	-76
Fixed assets sold	0	0	0	0
Investments purchased	-184	-274	-884	-618
Investments sold	16	71		18
	213	-322	268	412
Proceeds from borrowings	750
Repayment of borrowings	-536
Net Cash Flow	-150	349	529	273
Free Cash Flow	-190	879	1,143	577

Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.

Ratios

Ratio	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE	1.1%	-7.2%	4.9%	13.6%	6.5%	7.6%
Net margin	1.5%	-9.9%	9.2%	13.6%	5.9%	7.0%
Tax rate	2.0%	26.8%	—	24.9%	20.1%	23.9%
Book value / share	₹102	₹142	—	₹149	₹181	₹196

ROE = profit for shareholders ÷ average net worth (paid-up capital + reserves, from each year's March results filed with NSE). Interest coverage = (profit before tax + interest) ÷ interest. ROCE = EBIT ÷ (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; working capital days = (current assets − current liabilities) ÷ sales × 365. Balance-sheet ratios are shown for the years whose full balance sheet is available (Yahoo Finance and NSE filings from FY2025).

Shareholding Pattern

Numbers in percentages · as filed with NSE each quarter

Promoters 22.48%
FIIs 5.35%
DIIs 5.47%
Public 66.70%

%	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	22.40%	22.40%	22.40%	22.39%	22.30%	22.30%	22.44%	22.44%	22.44%	22.44%	22.48%	22.48%
	2.16%	2.91%	2.91%	3.02%	3.50%	4.80%	4.67%	4.68%	4.66%	4.97%	5.23%	5.35%
Foreign portfolio investors (Cat. I)	0.34%	0.26%	0.34%	0.37%	0.86%	0.99%	0.66%	0.70%	0.72%	0.94%	0.83%	1.00%
Foreign portfolio investors (Cat. II)	1.82%	2.65%	2.56%	2.65%	2.64%	3.81%	4.01%	3.98%	3.95%	4.03%	4.40%	4.35%
	18.38%	17.01%	14.04%	12.65%	8.00%	5.89%	5.66%	5.93%	6.62%	6.11%	5.72%	5.47%
Mutual funds	4.73%	4.81%	3.18%	2.85%	1.15%	0.04%	0.04%	0.49%	1.05%	1.20%	1.58%	1.59%
Insurance companies	7.20%	7.20%	7.19%	6.95%	6.27%	5.62%	5.62%	5.19%	5.19%	4.17%	3.61%	3.24%
Banks	1.00%	1.00%	1.00%	0.82%
Alternative investment funds	2.67%	2.75%	2.67%	2.02%	0.59%	0.23%		0.25%	0.38%	0.74%	0.53%	0.64%
	57.06%	57.68%	60.66%	61.95%	66.19%	67.01%	67.23%	66.96%	66.28%	66.49%	66.57%	66.70%
Retail (up to ₹2 lakh)	16.76%	17.06%	18.03%	19.67%	22.89%	24.06%	24.04%	22.91%	21.93%	20.88%	19.89%	18.48%
HNIs (above ₹2 lakh)	12.00%	12.07%	14.25%	14.51%	15.95%	15.77%	17.38%	17.83%	18.15%	18.80%	19.80%	21.23%
NRIs	0.88%	1.00%	1.18%	1.24%	1.61%	1.64%	1.68%	1.70%	1.61%	1.78%	1.64%	1.64%
Bodies corporate	5.64%	5.72%	6.54%	5.80%	5.81%	6.97%	5.65%	6.09%	6.11%	6.67%	7.00%	7.02%
No. of Shareholders	94,848	94,235	96,276	1,03,356	1,08,301	1,10,197	1,08,734	1,04,927	1,02,098	99,138	95,026	89,688

Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.

Mutual funds & institutions holding Suryoday Small Finance Bank

Holder (above 1%)	Stake
Hdfc Life Insurance Company LimitedInsurance	2.00%
BANDHAN Small Cap FundMutual fund	1.55%
Icici Prudential Life Insurance Company LimitedInsurance	1.24%

As named in the shareholding pattern for Jun 2026 filed with NSE; mutual funds together hold 1.59% of the company. Shareholders below 1% are not named in the filing.

Documents

Announcements

All announcements on NSE →

Annual reports

Credit ratings

None filed recently.

Concalls & investor meets

Filings made by the company with NSE; documents open on NSE's website.

Key dates

Ex-dividend date: 17 Jul 2026
Latest quarter: 30 Jun 2026
Financial year end: 31 Mar 2026

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Latest news

In the news

Suryoday Small Finance Bank (SURYODAY.NS): Shares Gain 2.28% to ₹146.83 as Stock Holds Above Key Support - Dividend Arbitragehttps://www.siam.in/ · 5 Oct 2026

From the company (NSE)

Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.

Questions about Suryoday Small Finance Bank Limited

What is the share price of Suryoday Small Finance Bank Limited today?

Suryoday Small Finance Bank Limited (SURYODAY) last traded at ₹147.97 on NSE (16 Oct 2026, 3:29 PM IST). Prices may be delayed.

What is the market cap of Suryoday Small Finance Bank Limited?

About ₹1,573 crore at the latest price.

What is the P/E ratio of Suryoday Small Finance Bank Limited?

About 8.2 times its earnings over the last 12 months.

Is Suryoday Small Finance Bank Limited a good investment?

We do not give views on individual shares. Whether any share suits you depends on your goals, time horizon and risk appetite; for long-term goals, a diversified mutual fund is often a simpler way to own shares. Investments in securities markets are subject to market risks.

How can I buy Suryoday Small Finance Bank Limited shares?

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Important. Prices from NSE via Yahoo Finance. Quarterly and annual results, shareholding and documents are taken from the filings the company made with NSE; balance sheet, cash flow and valuation figures are compiled by Yahoo Finance; ratios are computed by us from them. Figures may be delayed or revised. This page is for information only: it is not research, a recommendation or an offer to buy or sell any security. Investments in securities markets are subject to market risks; read all related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934); share broking is offered through Parshvanath Investments, Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539).

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