Suryoday Small Finance Bank Limited · NSE:SURYODAY
Suryoday Small Finance Bank — Q4 FY26 Earnings Presentation
48 slides from Suryoday Small Finance Bank's earnings presentation, May 7, 2026
Slide 1: Exchange intimation letter for investor presentation
May 07, 2026 Ref.: SSFB/CS/10/2026-27 To, National Stock Exchange of India Limited BSE Limited Listing Department The Corporate Relations Department Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai-400 051 Mumbai-400 001 Symbol:
Slide 2: Investor Presentation Q4 & FY26
Investor Presentation Q4 & FY26 March 2026 1 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 3: Table of Contents
TABLE OF CONTENTS 01 FY26 / Strategy / Way Forward 02 Key Highlights A) Key Metrics B) Company Overview C) Asset Products D) Asset Product Quality E) Liability Portfolio 03 Financial & Key Ratios 04 CSR Initiatives 05 Annexures Investor Presentation 2 This message is marked Confidential. Do not dist
Slide 4: FY26 / Strategy / Way Forward
01 FY26 / Strategy / Way Forward 3 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 5: FY26 Year Gone By
FY26 YEAR GONE BY GROWTH & SCALE ASSET QUALITY ➢ Advances 29.4% & Deposit 32.3% YoY Growth ➢ IF Slippage: Q4 FY25 ₹264 Cr → Q3 FY26 ₹116 Cr → Q4 FY26 ₹74 Cr ➢ Micro-banking: IF Advances 17.2% YoY Growth ➢ As of Mar’26, GNPA ₹864 Cr, NNPA ₹542 Cr, against which ₹508 Cr VL ~₹4,400 Cr & 75.0% of IF Boo
Slide 6: 3 Pillars of Growth
3 PILLARS OF GROWTH Granular Retail Digital – Focused Micro-banking JSH IF Focus Banking ➢ Core focus Vikas Loan & NTB VL (comprises 75% of ➢ 80% deposits including CASA continues to be retail & ➢ Digital deposits - 12% (₹1,672 Cr) of total book with ₹6 micro banking portfolio) granular crore/day ru
Slide 7: Digital Banking
DIGITAL BANKING Lean channel, high growth Sachetized credit at the speed of UPI – Digital deposits with higher retention scaling customers at marginal costs Digital as % of 3,414 Infrastructure in Middleware and CBS Incremental Deposit 49% Billable AUM (in Rs Cr.) Book 2,803 Sanctioned Amount (in Rs
Slide 8: Digital Deposits & Credit Line on UPI
DIGITAL DEPOSITS & CREDIT LINE ON UPI Digital Deposits Credit Line on UPI Scaled 2x from FY25–FY26 with strong retention Credit limit ₹60,000 with avg sanction ₹ 7,000 Lean, Low CAC, high-quality scalable engine ~90% with CIBIL >725; low cost of acquisition Launched FD-backed UPI credit card Growth
Slide 9: Performance Highlights – FY26
PERFORMANCE HIGHLIGHTS – FY26 Collection Efficiency Gross Advances Disbursements Asset Mix (one EMI adjusted) ₹ 13,261 Cr ₹ 10,466 Cr IF : RA – 45.0% : 55.0% (+29.4% YoY) (+49.7% YoY) (49.6% : 50.4%) 90.9% (87.7%) Deposits Retail# : Bulk Deposit CASA Ratio Cost of Funds ₹ 13,994 Cr 86.0% : 14.0% 22.
Slide 10: Performance Highlights – Q4 FY26
PERFORMANCE HIGHLIGHTS – Q4 FY26 Collection Efficiency Gross Advances Disbursements Asset Mix (one EMI adjusted) ₹ 13,261 Cr ₹ 3,077 Cr IF : RA – 45.0% : 55.0% (+29.4% YoY) (+46.5% YoY) (49.6% : 50.4%) 90.9% (87.7%) Deposits Retail# : Bulk Deposit CASA Ratio Cost of Funds ₹ 13,994 Cr 86.0% : 14.0% 2
Slide 11: Performance Highlights – Q4 FY26
PERFORMANCE HIGHLIGHTS – Q4 FY26 Growth Continues in Vikas Loan Disbursement ~ INR 13,261 Cr (+29.4% YoY) ADVANCES Non-NPA book ~ INR 12,397 Cr • Inclusive Finance disbursement: ~₹1,550 Cr. in Q4 FY26 (+88.2% YoY) vs ~ INR 11,000 Cr in Q3 FY26 • Strong momentum in VL which is 75% of IF book. • Highe
Slide 12: Guidance and Way Forward: FY27
GUIDANCE AND WAY FORWARD FY27 Year of Building Momentum & Consistency Micro-Banking: Pivot to Individual Loan Continues VL, NTB VL & MSME (IF: ~₹7,500 Cr, +25% YoY; 45% of Total Book) Advances Profitability Expansion & Deeper Penetration 30% to 35% RoA** /RoE 1.3% to 1.4% / 13% to 14% New 100 Branch
Slide 13: Key Highlights
02 Key Highlights 12 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 14: Key Metrics
A Key Metrics 13 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 15: Key Metrics – Q4 & FY26
KEY METRICS – Q4 & FY26 Gross Advances (₹Cr) Disbursements (₹Cr) Deposits (₹Cr) 29.4 % Y-o-Y 11.6 % Q-o-Q 29.4 % Y-o-Y 46.5 % Y-o-Y 14.1 % Q-o-Q 49.7 % Y-o-Y 32.3 % Y-o-Y 8.8 % Q-o-Q 32.3 % Y-o-Y 11,885 13,261 13,261 10,251 10,251 7,297 7,297 6,522 5,162 5,162 10,466 12,865 13,994 13,994 6,989 10,58
Slide 16: Key Metrics – Q4 & FY26
KEY METRICS – Q4 & FY26 Effective Yield on Advances (%) Cost of Funds (%) NIM (%) 9 bps Y-o-Y 53 bps Q-o-Q 198 bps Y-o-Y 52 bps Y-o-Y 9 bps Q-o-Q 7 bps Y-o-Y 162 bps Y-o-Y 11 bps Y-o-Y 59 bps Q-o-Q 17.4% 16.8% 17.3% 18.8% 16.8% 8.1% 7.6% 7.5% 7.8% 7.7% 9.0% 7.8% 7.3% 7.9% 7.3% Q4FY25 Q3FY26 Q4FY26 F
Slide 17: Company Overview
B Company Overview 16 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 18: Key Milestones
KEY MILESTONES Suryoday 2.0 As on March 2026 Gross Advances crosses ₹13,000 Cr & Deposits ~₹14,000 Cr Vikas Loan is now 75% of the IF Book Customer Base → 4.0 Mn / Branch Network → # 717 New Initiatives scaling steadily : MSME, Secured Credit Card and Credit line on UPI 2024 & Launched Machinery & E
Slide 19: Empowering Solutions: Beyond Micro Lending
EMPOWERING SOLUTIONS: BEYOND MICRO LENDING Asset Portfolio Liabilities Portfolio TD, RD & Long-Term CASA Inclusive Finance Retail Assets Deposit (45%) (55%) JLG Vikas Loans Bulk Deposits Digital FD Mortgage Vehicle Others (25%) (75%) Financing Expanding Beyond Micro Lending Housing CV FIG Customer p
Slide 20: Strong Foothold: Covering 2/3rd of India
STRONG FOOTHOLD: COVERING 2/3RD OF INDIA Branch Distribution Particulars Mar’26 Mar’25 Asset focused outlets 383 387 CG:1 Liability focused outlets* 137 126 HR 3 Rural Centers 197 197 DL:6 Total 717 710 48 39 Note: *Includes Composite Branches Geographical Mix of the Branches 41 35 Liability Outlets
Slide 21: Asset Products
C Asset Products 20 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 22: Inclusive Finance: Beyond Micro-Lending
INCLUSIVE FINANCE: BEYOND MICRO-LENDING JLG/NTB VL act as the entry engine, gradually moving households toward comprehensive banking solutions. Vikas Loan Share 75% of IF Gross Advances Focus on semi-urban households in Tier 1–3 cities with robust underwriting, analytics-driven curation, and >98% Av
Slide 23: Inclusive Finance: Shifting Group to Individual
INCLUSIVE FINANCE: SHIFTING GROUP TO INDIVIDUAL Product Description Gross Advances (₹Cr) Parameter JLG / NTB VL Vikas Loans 5,964 5,072 5,089 Customer Segment Urban/ Semi Urban Urban/ Semi Urban 3,743 3,386 2,683 4,453 3,027 Products Group Loans Individual Loans 2,944 213 1,232 29 Geography Tier 1&2
Slide 24: Mortgages: Focused Approach
MORTGAGES: FOCUSED APPROACH SSFB offers comprehensive mortgage offerings - Gross Advances Housing & MSME Loans catering to Semi-prime and urban affordable customer segment ₹3,000Cr+ Present Locations Business Strategy: Focus on retail and secured Disbursements MSME lending, deepen portfolio in exist
Slide 25: Mortgages: Sustainable Growth
MORTGAGES : SUSTAINABLE GROWTH Product Description Gross Advances (Rs. Cr) Parameter Micro Mortgages Housing Loans LAP Customer Affordable / Semi Semi Prime / Urban Semi Prime / Urban Segment Urban Affordable Affordable 3,013 603 Home loans– 2,187 Home Loans – Resale / Products Resale/Builder & Secu
Slide 26: Vehicle Financing: Monetizing on Large Opportunity
VEHICLE FINANCING: MONETIZING ON LARGE OPPORTUNITY SSFB is diversifying business through various products under Vehicle 1 Financing Portfolio – CV, TW, Used CV, Car loans & Construction Equipment, where used CV constitutes ~70% of the portfolio Customers 2 Expanding in the rural space, catering the
Slide 27: Vehicle: Accelerated Growth Over Last 3 Years
VEHICLE: ACCELERATED GROWTH OVER LAST 3 YEARS Portfolio description Gross Advances# (₹Cr) Commercial Construction Parameter Cars Vehicles Equipment (CE) Customer Segment Urban / Semi Urban Products Used and New 1,819 Geography Tier 1, 2 & 3 1,336 830 Dealer & Distribution Hub & Spoke 355 340 397 Par
Slide 28: FIG, Supply Chain, MSME & Others
FIG, SUPPLY CHAIN, MSME & OTHERS Gross Advances (₹Cr) Portfolio description Supply Chain Parameter FIG Others Finance 468 Customer NBFCs/ SME/ Retail/ MSME 232 407 Segment Corporates MSME 259 Corporate Vendor 313 Products Listed Below* 240 Lending Financing 1147 1424 275 848 243 688 380 214 Distribu
Slide 29: Asset Business Update – Q4 FY26
ASSET BUSINESS UPDATE – Q4 FY26 Micro Particulars (₹Cr) JLG VL HL LAP Vehicles FIG SCF MSME Others* Total Mortgage Gross Advances – (₹Cr) 1,520.1 4,444.3 833.0 1,577.4 602.9 1,819.4 1,423.7 407.1 165.8 467.6 13,261.1 Disbursement (₹Cr) 323.6 1,226.3 67.3 213.0 84.1 374.6 356.5 331.1 62.4 38.3 3,077.
Slide 30: Asset Portfolio Quality
D Asset Portfolio Quality 29 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 31: Portfolio Performance
PORTFOLIO PERFORMANCE SSFB – PAR 30+ IF – PAR 30+ Retail Assets – PAR 30+# 13.7% 12.9% 12.6% 7.2% 6.7% 1.5% 6.5% 0.8% 0.9% 4.8% 4.2% 4.8% 3.8% 3.4% 2.7% 2.2% 1.9% 1.1% Mar-25 Dec-25 Mar-26 Mar-25 Dec-25 Mar-26 Mar-25 Dec-25 Mar-26 PAR 30-90 PAR 90+ Figures may not add up due to rounding off # Net of
Slide 32: GNPA Asset Quality & Credit Cost
GNPA ASSET QUALITY & CREDIT COST All numbers in ₹Cr.s, unless otherwise indicated GNPA Q4 FY26 Movement GNPA FY26 Movement 106 746 24 - 9 516 12 89 790 863 864 734 864 Dec-25 New Tech W/off RollBack/ Sold to ARC Mar-26 Mar-25 New Tech W/off Sold to ARC RollBack/ Mar-26 Recoveries Recoveries Provisio
Slide 33: Liability Portfolio
E Liability Portfolio 32 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 34: Deposit Landscape
DEPOSIT LANDSCAPE Key Product Acquisition Customer Highlights Offerings Channels Profiling Deposits Traditional Deposit Products – Smart Banking Outlets Aspiring Middle Class CASA, TD • Targeted business focus within radius of ~2kms ₹13,994 Cr • 2 Staffed branch reducing OPEX cost Goal based saving
Slide 35: Deposit Update
DEPOSIT UPDATE Deposits Retail Deposit (Incl CASA) Average Ticket Size ₹Cr 10,580 12,865 13,994 5% 88.1 81.1 87.0 Retail % 31% <50 k 1,955 1,677 31% Retail TD 3,162 50 K to 5 Lakhs 1,995 2,732 CASA 2,212 21.2 22.4 5 Lakhs to 50 Lakhs 20.9 CASA % 8,456 8,877 50 Lakh & above 6,373 Bulk 34% Mar-25 Dec-
Slide 36: Funding Mix & Liquidity
FUNDING MIX & LIQUIDITY Balance Sheet Mix Capital Adequacy Ratio % (CRAR) 25.8% 1.4% 16% 21.9% 4% 1.0% 20.5% 0.9% 11% 24.5% 21.0% 19.6% 70% Mar-25 Dec-25 Mar-26 Deposits Shareholders Fund Other Liab Borrowings Tier 1 Tier 2 Total Figures may not add up due to rounding off Investor Presentation 35 Th
Slide 37: Financial & Key Ratios Q4 & FY26
03 Financial & Key Ratios Q4 & FY26 36 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 38: Financials – Balance Sheet
FINANCIALS – BALANCE SHEET Particulars (₹Cr) Mar-26 Mar-25 Y-o-Y Dec-25 Q-o-Q Capital and Liabilities Capital 106.3 106.3 0.0% 106.3 0.0% Reserves and Surplus 1,972.0 1,820.8 8.3% 1,922.9 2.6% Deposits 13,994.0 10,579.6 32.3% 12,864.9 8.8% Borrowings 3,122.4 2,710.3 15.2% 1,680.2 85.8% Other Liabili
Slide 39: Financials – P&L Account
FINANCIALS – P&L ACCOUNT Particulars (₹Cr) Q4 FY26 Q4 FY25 Y-o-Y Q3 FY26 Q-o-Q FY26 FY25 Y-o-Y Interest Earned 601.6 470.6 27.8% 543.9 10.6% 2,160.3 1,953.7 10.6% Interest Expended 285.0 225.9 26.2% 267.1 6.7% 1,061.6 847.6 25.2% Net Interest Income 316.6 244.7 29.4% 276.8 14.4% 1,098.7 1,106.1 -0.7
Slide 40: Financials – Key Metrics
FINANCIALS – KEY METRICS Particulars (₹Cr) Unit Q4 FY26 Q4 FY25 Y-o-Y Q3 FY26 Q-o-Q FY26 FY25 Y-o-Y Gross Advances ₹Cr 13,261 10,251 29.4% 11,885 11.6% 13,261 10,251 29.4% Disbursement ₹Cr 3,077 2,101 46.5% 2,698 14.1% 10,466 6,989 49.7% Deposits ₹Cr 13,994 10,580 32.3% 12,865 8.8% 13,994 10,580 32.
Slide 41: CSR Initiatives
04 CSR Initiatives 40 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 42: Beyond Banking
BEYOND BANKING Adhira: Financial Empowerment of Domestic Workers Building financial capability of domestic workers, focusing on digital literacy, savings, and formal financial access. Location: Maharashtra Beneficiaries till date: 25,627 Ujjwal: Financial Literacy for Students Financial and banking
Slide 43: Beyond Banking
BEYOND BANKING Spandan: Health Interventions for Women and Adolescent Girls Preventive health programs for women and children, linking financial health with physical well-being. Location: Maharashtra, Tamil Nadu, Odisha Beneficiaries till date: 10,209 Udyojika: Supplementary Livelihoods Supporting 1
Slide 44: Beyond Banking
BEYOND BANKING The Rotary Club of Madras Charitable Trust, in collaboration with the Greater Chennai Corporation and with the continued CSR support of Suryoday Small Finance Bank, launched the Mobile Dental Clinic Project to provide accessible dental care to school children and urban communities in
Slide 45: Annexures
05 Annexures 44 This message is marked Confidential. Do not distribute outside of the organisation.
Slide 46: Performance Highlights – Q4 FY26
PERFORMANCE HIGHLIGHTS – Q4 FY26 Parameter Q4 FY26 Q3 FY26 Q-o-Q Growth Q4 FY25 Y-o-Y Growth Gross Advances ₹13,261 ₹11,885 11.6% ₹10,251 29.4% Deposits ₹13,994 ₹12,865 8.8% ₹10,580 32.3% Disbursements* ₹2,746 ₹2,257 21.7% ₹1,829 50.2% Retail : Bulk Deposit 86.0% : 14.0% 87.0% : 13.0% -94 bps 81.1%
Slide 47: Glossary
GLOSSARY Terminology Definition Terminology Definition Gross Advances Assets Under Management (Excludes ARC) NNPA Net Non Performing Assets CASA Current Account Savings Account NPA Non Performing Assets CBS Core Banking System NTB New-To-Bank CGFMU Credit Guarantee Fund for Micro Units PAR Portfolio
Slide 48: Suryoday Small Finance Bank Ltd
Suryoday Small Finance Bank Ltd CIN: L65923MH2008PLC261472 For further information, please contact Suryoday Small Finance Bank Ltd Adfactors PR, Investor Relations Mr. Himadri Das Snighter Albuquerque / himadri.das@suryodaybank.com Pratik Adangle Website: https://www.suryodaybank.com/ Snighter.a@adf
Suryoday Small Finance Bank — Q4 FY26 Earnings Presentation on 6ix