Suryoday Small Finance Bank Q4FY26: Strong Growth with Stable Asset Quality

Key Highlights • Gross Advances: ₹13,201 Cr (↑29% YoY, ↑11% QoQ) • Disbursements: ₹3,077 Cr (↑46% YoY; ex-SCF ↑50%) • Total Deposits: ₹13,958 Cr (↑32% YoY) • Retail Deposits: ₹12,003 Cr (↑3% YoY) • CASA Growth: ↑42% YoY Asset Quality • GNPA improved to 6.5% (vs 6.6% QoQ) What Stands Out • Strong growth across advances, deposits, and disbursements • Improvement in CASA and asset quality supports stability • Continued momentum in retail-focused lending Why It Matters In a cautious market environment, steady growth with improving asset quality is a positive signal for small finance banks. Learning Outcome For SFBs, balancing high growth with asset quality is crucial. Investors should track GNPA trends, deposit mix, and lending growth together.