Suryoday Small Finance Bank Limited · NSE:SURYODAY
Suryoday Small Finance Bank — Q1 FY27 Earnings Presentation
46 slides from Suryoday Small Finance Bank's earnings presentation, Jul 23, 2026
Slide 1: Exchange cover letter for investor presentation
July 23, 2026 Ref.: SSFB/CS/39/2026-27 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 Q1 FY27 | June 2026
Investor Presentation Q1 FY27 | June 2026 1
Slide 3: Table of Contents
TABLE OF CONTENTS 01 Performance Highlights & Way Forward Q1FY27 02 Key Highlights • Key Metrics • Company Overview • Asset Products • Asset Portfolio Quality • Liability Portfolio 03 Financial & Key Ratios Q1 FY27 04 CSR Initiatives 05 Annexures Investor Presentation 2
Slide 4: Performance Highlights & Way Forward Q1 FY27
01 Performance Highlights & Way Forward Q1 FY27 3
Slide 5: Q1 FY27 At a Glance
Q1 FY27 At a Glance GROWTH & SCALE ASSET QUALITY ➢ Advances 32.5% & Deposit 29.4% YoY Growth Metric (Cr.) Q1 FY27 Q4 FY26 Q1 FY26 IF Slippages 52 74 243 ➢ Micro-banking: IF Advances 23.5% YoY Growth VL ₹4,775 Cr & 74.7% of IF Book (VL 40.0% YoY Growth) GNPA 931 864 918 NNPA 170 542 593 ➢ Retail Asse
Slide 6: 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 ➢ 87% deposits including CASA continues to be retail & ➢ Digital deposits - 15% (₹2,222 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 Line On UPI – scaling Digital deposits with higher retention customers at marginal costs Digital Deposits Sanctioned Amount (in Cr.) Digital Book (in Rs. Cr) 3,322 100 0 9.38 10. 00 Billed Amount (in Cr.) 47% 3,5 00 50% 3,175 900 9.0 0 Scal
Slide 8: Performance Highlights – Q1 FY27
PERFORMANCE HIGHLIGHTS – Q1 FY27 Collection Efficiency Gross Advances# Disbursements Asset Mix (one EMI adjusted) ₹ 14,376 Cr ₹ 2,954 Cr IF : RA – 44.4% : 55.6% (+32.5% YoY) (+30.6% YoY) (48.0% : 52.0%) 92.5% (86.4%) Deposits Retail# : Bulk Deposit CASA Ratio Cost of Funds ₹ 14,634 Cr 87.3% : 12.7%
Slide 9: Performance Highlights – Q1 FY27
PERFORMANCE HIGHLIGHTS – Q1 FY27 Growth Continues in Vikas Loan Disbursement ₹14,376 Cr (+32.5% YoY) ADVANCES# Non-NPA book ₹13,445 Cr • Inclusive Finance disbursement: ₹1,383 Cr. in Q1 FY27 (+28.5% YoY) vs ~ ₹9,928 Cr in Q1 FY26 • Strong momentum in VL which is 75% of IF book. • VL Disbursement ₹1,
Slide 10: Guidance and Way Forward
GUIDANCE AND WAY FORWARD FY27 Year of Building Momentum & Consistency Micro-Banking: Pivot to Individual Loan Continues Advances Deposit Growth VL, NTB VL & MSME (IF: ~₹7,500 Cr, +25% YoY; 45% of Total Book) 30% to 35% 30% to 35% Expansion & Deeper Penetration New 100 Branches 32.5% 29.4% Growth Mom
Slide 11: Key Highlights
02 Key Highlights 10
Slide 12: Key Metrics
Key Metrics 11
Slide 13: Key Metrics – Q1 FY27
KEY METRICS – Q1 FY27 Gross Advances* (₹Cr) Disbursements (₹Cr) Deposits (₹Cr) 32.5% Y-o-Y 8.4% Q-o-Q 30.6% Y-o-Y 4.0% Q-o-Q 29.4% Y-o-Y 4.6% Q-o-Q 13,261 14,376 10,846 7,297 7,987 5,672 3,077 2,954 2,261 14,634 13,994 5,964 6,389 11,312 5,174 Jun-25 Mar-26 Jun-26 Q1FY26 Q4FY26 Q1FY27 Jun-25 Mar-26
Slide 14: Key Metrics – Q1 FY27
KEY METRICS – Q1 FY27 Effective Yield on Advances (%) Cost of Funds (%) NIM (%) 59 bps Y-o-Y 116 bps Q-o-Q 46 bps Y-o-Y 9 bps Q-o-Q 0 bps Y-o-Y 70 bps Q-o-Q 16.8% 17.3% 16.2% 7.9% 7.5% 7.5% 7.2% 7.9% 7.2% Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Cost / Income Ratio (%) PCR* (%)
Slide 15: Company Overview
Company Overview 14
Slide 16: Key Milestones
KEY MILESTONES Suryoday 2.0 As on June 2026 Gross Advances* crosses ₹14,376 Cr & Deposits ₹14,634 Cr Vikas Loan is now 75% of the IF Book Customer Base → 6.2 Mn / Branch Network → # 718 2024 & New Initiatives scaling steadily : MSME, Secured Credit Card and Credit line on UPI Beyond IPO & Year of Re
Slide 17: Empowering Solutions: Beyond Micro Lending
EMPOWERING SOLUTIONS: BEYOND MICRO LENDING Asset Portfolio Liabilities Portfolio Inclusive Finance Retail Assets TD, RD & Long-Term CASA (44%) (56%) Deposit JLG Vikas Loans Mortgage Vehicle Others Financing Bulk Deposits Digital FD/RD (25%) (75%) Housing Expanding Beyond Micro Lending CV FIG Loans O
Slide 18: Strong Foothold: Covering 2/3rd of India
STRONG FOOTHOLD: COVERING 2/3RD OF INDIA Branch Distribution Particulars Jun’26 Mar’26 # Asset focused outlets 383 383 CG:1 Liability focused outlets* 138 137 HR 3 Rural Centers 197 197 DL:6 Total 718 717 48 39 *Includes Composite Branches 1 #Doesn’t include 11 gold loan retail asset branches Geogra
Slide 19: Asset Products
Asset Products 18
Slide 20: 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 21: Inclusive Finance: Shifting Group to Individual
INCLUSIVE FINANCE: SHIFTING GROUP TO INDIVIDUAL Product Description Gross Advances (₹Cr) Parameter JLG / NTB VL Vikas Loans CAGR 16% 6,369 Customer Segment Urban/ Semi Urban Urban/ Semi Urban 5,964 5,072 5,089 Products Group Loans Individual Loans 3,743 3,386 4,755 2,683 3,027 4,453 213 1,232 Geogra
Slide 22: Mortgages: Focused Approach
MORTGAGES: FOCUSED APPROACH SSFB offers comprehensive mortgage Gross Advances offerings - Housing & MSME Loans catering to Semi-prime and urban affordable customer segment ₹3,200Cr+ Present Locations Business Strategy: Focus on retail and Disbursements secured MSME lending, deepen portfolio in exist
Slide 23: Mortgages: Sustainable Growth
MORTGAGES : SUSTAINABLE GROWTH Product Description Gross Advances (Rs. Cr) Parameter Micro Mortgages Housing Loans LAP CAGR 44% Customer Affordable / Semi Semi Prime / Urban Semi Prime / Urban Segment Urban Affordable Affordable 3,013 3,234 Home loans– 637 Home Loans – Resale / 2,187 603 Products Re
Slide 24: 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 25: 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) CAGR 51% Customer Segment Urban / Semi Urban Products Used and New Geography Tier 1, 2 & 3 1,819 1,971 Dealer & 1,336 Distribution Hub & Spoke Part
Slide 26: FIG, Supply Chain, MSME & Others
FIG, SUPPLY CHAIN, MSME & OTHERS Gross Advances (₹Cr) Portfolio description CAGR 38% Supply Chain Parameter FIG Others Finance 625 468 441 Customer NBFCs/ SME/ 232 407 Retail/ MSME Segment Corporates MSME 259 313 240 1424 1509 Corporate Vendor 275 1147 Products Listed Below* 688 848 Lending Financin
Slide 27: Asset Business Update – Q1 FY27
ASSET BUSINESS UPDATE – Q1 FY27 Micro Particulars (₹Cr) JLG VL HL LAP Vehicles FIG SCF MSME Others* Total Mortgage Gross Advances – (₹Cr) 1,613.9 4,775.0 853.9 1,742.6 637.4 1,970.5 1,509.4 441.4 206.9 624.7 14,375.7 Disbursement (₹Cr) 342.6 1,040.0 55.8 241.0 60.2 323.6 377.3 402.3 58.8 52.3 2,953.
Slide 28: Asset Portfolio Quality
Asset Portfolio Quality 27
Slide 29: Portfolio Performance
PORTFOLIO PERFORMANCE SSFB – PAR 30+ IF – PAR 30+ Retail Assets – PAR 30+# 16.3% 8.3% 12.6% 12.4% 1.7% 1.5% 6.5% 6.5% 1.0% 4.8% 5.1% 3.7% 3.3% 3.5% 2.2% 2.3% 1.1% 1.1% Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 Jun-26 PAR 30-90 PAR 90+ Figures may not add up due to rounding off # Net of
Slide 30: GNPA Asset Quality & Credit Cost
GNPA ASSET QUALITY & CREDIT COST GNPA Q1 FY27 Movement GNPA Q4 FY26 Movement 92 5 20 106 24 864 9 931 790 864 Mar-26 New Tech W/off RollBack/ Jun-26 Dec-25 New Tech W/off RollBack/ Mar-26 Recoveries Recoveries Provisions Q1 FY27 Movement* Provisions Q4 FY26 Movement 5 5 37 9 6 443 686 253 230 253 Ma
Slide 31: Liability Portfolio
Liability Portfolio 30
Slide 32: 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 ₹14,634 Cr ~2kms Goal based saving products, Exclusive offers, Easy-to-us
Slide 33: Deposit Update
DEPOSIT UPDATE Deposits Retail Deposit (Incl CASA) Average Ticket Size ₹Cr 11,312 13,994 14,634 4% 22.4 21.0 Retail % 1,852 <50 k 17.7 1,955 37% Retail TD 3,162 3,072 35% 50 K to 5 Lakhs 2,083 CASA 2,006 88.1 87.3 5 Lakhs to 50 Lakhs 81.6 CASA % 50 Lakh & above 7,223 8,877 9,709 Bulk 24% Jun-25 Mar-
Slide 34: Funding Mix & Liquidity
FUNDING MIX & LIQUIDITY Balance Sheet Mix Capital Adequacy Ratio % (CRAR) 4% 11% 24.6% 1.1% 20.5% 20.0% 0.9% 0.7% 13% 23.5% 19.6% 19.4% 72% Jun-25 Mar-26 Jun-26 Deposits Borrowings Shareholders Fund Other Liab Tier 1 Tier 2 Investor Presentation 33
Slide 35: Financial & Key Ratios Q1 FY27
03 Financial & Key Ratios Q1 FY27 34
Slide 36: Financials – Balance Sheet
FINANCIALS – BALANCE SHEET Particulars (₹Cr) Jun-26 Jun-25 Y-o-Y Mar-26 Q-o-Q Capital and Liabilities Capital 106.3 106.3 0.0% 106.3 0.0% Reserves and Surplus 2,049.4 1,854.6 10.5% 1,972.0 3.9% Deposits 14,633.6 11,312.2 29.4% 13,994.0 4.6% Borrowings 2,640.5 2,284.5 15.6% 3,122.4 -15.4% Other Liabi
Slide 37: Financials – P&L Account
FINANCIALS – P&L ACCOUNT Particulars (₹Cr) Q1 FY27 Q1 FY26 Y-o-Y Q4 FY26 Q-o-Q Interest Earned 622.4 495.2 25.7% 601.6 3.4% Interest Expended 306.6 248.0 23.6% 285.0 7.6% Net Interest Income 315.7 247.1 27.8% 316.6 -0.3% Other Income 147.9 108.6 36.1% 90.3 63.8% Net Total Income 463.6 355.8 30.3% 40
Slide 38: Financials – Key Metrics
FINANCIALS – KEY METRICS Particulars (₹Cr) Unit Q1 FY27 Q1 FY26 Y-o-Y Q4 FY26 Q-o-Q Gross Advances* ₹Cr 14,376 10,846 32.5% 13,261 8.4% Disbursement ₹Cr 2,954 2,261 30.6% 3,077 -4.0% Deposits ₹Cr 14,634 11,312 29.4% 13,994 4.6% Retail Deposit to Total Deposit % 87.3% 81.6% 575 bps 86.0% 131 bps CASA
Slide 39: CSR Initiatives
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Slide 40: Beyond Banking
BEYOND BANKING Ujjwal: School Children Financial and banking literacy for youth (14-20 years) to foster informed decisions and future planning. Location: Maharashtra, Tamilnadu, Puducherry Odisha Adhira: Domestic Workers Spandan: Healthy Families Building financial capability of Preventive health pr
Slide 41: Beyond Banking
BEYOND BANKING Adhira: Financial Capability of Domestic Workers and Informal Workers (4,890) • Promoted enrolment and renewal for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY). • Supported obtaining Domestic Worker Identity Cards from Maharashtra St
Slide 42: Beyond Banking
BEYOND BANKING Swayamshree: Financial Capability for Parents (4,418) 182 students enrolled in recurring deposit schemes and 346 parents enrolled for insurance coverage - 164 parents opted for both PMJJBY and PMSBY. Spandan: Health Interventions with focus on women and adolescent girls ( 889) • 6 Eye
Slide 43: Annexures
05 Annexures 42
Slide 44: Performance Highlights – Q1 FY27
PERFORMANCE HIGHLIGHTS – Q1 FY27 Parameter Q1 FY27 Q4 FY26 Q-o-Q Growth Q1 FY26 Y-o-Y Growth Gross Advances** ₹14,376 ₹13,261 +8.4% ₹10,846 +32.5% Deposits ₹14,634 ₹13,994 +4.6% ₹11,312 +29.4% Disbursements* ₹2,552 ₹2,746 -7.1% ₹1,920 +32.9% Retail : Bulk Deposit 87.3% : 12.7% 86.0% : 14.0% +131 bps
Slide 45: 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 46: 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 Mr. Snighter Albuquerque Himadri.das@suryodaybank.com Ms. Mayuri Karkera Website: https://suryoday.bank.in/ Snighter.a@a
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