Suryoday Small Finance Bank Ltd Share Price Today

Actions	Ex-Date	Record-Date
DividendsFinal Dividend of 15% at ₹1.5/Share	17-Jul-2026	17-Jul-2026

Mutual Fund Holder	Aug 26 Shares held	Sep 26 Shares held
Bandhan Small Cap Fund - Regular Plan - Growth	16.45 Lac	17.35 Lac (5.47%)
Axis Aggressive Hybrid Fund - Regular Plan - Growth	45.33 k	45.33 k no change

CA. Hardik Kachchava

5 Oct • 1:43 PM · SEBI-Registered Analyst

Suryoday Small Finance Bank – Q2 Provisional Business Update

SURYODAY

Executive Summary Suryoday Small Finance Bank Ltd. has reported its provisional and unaudited business update for the quarter ended September 30, showcasing robust operational momentum and a material improvement in asset quality. The bank delivered a balanced ~35% year-on-year (YoY) growth in both advances and deposits, reflecting strong franchise expansion and stable liquidity management. Business Growth & Momentum Credit Expansion: Gross advances expanded by 34.6% YoY and 4.2% quarter-on-quarter (QoQ) to ₹14,972 crore, achieved even after accounting for a write-off of ₹591 crore. Disbursements: The quarter witnessed healthy credit demand, with total disbursements rising 27.4% YoY and 4.8% QoQ to ₹3,095 crore. Liability Franchise: Total deposits surged 35% YoY and 10.6% QoQ to reach ₹16,184 crore. Retail deposits continue to anchor the funding base, growing 32.5% YoY to ₹13,670 crore, while bulk deposits increased by 50.1% YoY to ₹2,514 crore. CASA: Current Account Savings Account (CASA) deposits grew by 26.8% YoY and 2.3% QoQ to ₹3,142 crore, indicating a stable low-cost funding trajectory. Collection Efficiency: Repayment metrics remained highly resilient. Current-bucket collection efficiency stood at 99.1%, and one-EMI collection efficiency was robust at 97.7% as of September 30. Provisions & Coverage: The bank holds provisions of ₹135.77 crore. As part of its prudent risk management, it continues to cover its eligible portfolio under the Credit Guarantee Scheme, with ₹180 crore claimable under the CGFMU. Market Reaction Reacting to the robust business update, investor sentiment was notably positive. The stock jumped up to 4.6% in intraday trade before stabilizing with moderate gains. While the stock has posted a positive 2% return year-to-date, it continues to trade below its IPO issue price of ₹305 per share, presenting a potential area for value realization as asset quality continues to normalize.

Neha

13 Aug • 1:34 PM · SEBI-Registered Analyst

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SBCL

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AASHISH RA

24 Jul • 10:43 AM · SEBI-Registered Analyst

Suryoday Small Finance Bank Ltd. – SWOT Analysis

!Suryoday Small Finance Bank Ltd. – SWOT Analysis Prepared in a SEBI Research Analyst-compliant format (SEBI Registration: INH000013174 as disclosed by the requester). This report is for educational purposes only and does not constitute investment advice. SWOT Analysis Strengths Weaknesses Strong franchise in financial inclusion with expertise in microfinance, affordable housing, and MSME lending. Historically high dependence on the microfinance portfolio, making earnings vulnerable to stress in the segment. Improving loan mix through a higher share of secured loans, enhancing portfolio quality and reducing credit risk. Smaller scale compared to large private sector banks and leading small finance banks. Well-capitalized balance sheet with adequate capital buffers to support business growth. CASA ratio remains lower than larger commercial banks, resulting in a relatively higher cost of funds. Expanding retail deposit franchise and digital banking capabilities to improve customer acquisition and operational efficiency. Limited geographical diversification, with significant business concentration in certain regions. Experienced management team with a prudent focus on risk management and asset quality. Limited non-interest income compared to diversified universal banks. Opportunities Threats Growing demand for affordable housing, MSME finance, vehicle loans, and retail banking in underbanked markets. Regulatory changes by the RBI relating to provisioning, capital adequacy, or lending norms. Increasing share of secured loans can improve profitability and reduce credit costs over the long term. Economic slowdown or adverse events affecting borrower repayment capacity, particularly in microfinance. Expansion into new states and deeper penetration in existing markets. Intense competition from private banks, public sector banks, NBFCs, fintech companies, and other small finance banks. Cross-selling insurance, wealth, and digital financial products to existing customers.

Adarsh Nimborkar (SEBI IA)

24 Jul • 10:07 AM · SEBI-Registered Analyst

Suryoday Small Finance Bank Ltd – Company Analysis

SURYODAY

Suryoday Small Finance Bank Ltd is a retail-focused small finance bank serving underserved and unbanked customers across India through products such as microfinance, affordable housing loans, commercial vehicle finance, MSME lending and retail deposits. The bank has steadily diversified its loan portfolio beyond microfinance, reducing concentration risk while expanding its secured lending business. Financially, the bank trades at an attractive valuation with a price-to-book ratio of around 1 and a P/E ratio close to the industry average, making it relatively inexpensive compared to many listed banking peers. Recent quarters have shown a sharp improvement in profitability, with the latest quarter reporting more than a two-fold increase in net profit driven by robust loan growth and improving operating efficiency. Deposits and advances have continued to grow at over 25% year-on-year, while promoter holding remains around 22% and institutional ownership has increased significantly. Looking ahead, Suryoday Small Finance Bank is well positioned to benefit from rising credit demand, financial inclusion initiatives, increasing retail deposits and continued expansion in secured lending. Improving asset quality and higher CASA deposits could further strengthen profitability over the long term. However, the bank remains exposed to risks such as credit costs, interest rate movements, regulatory changes and economic slowdowns that could impact loan repayments. Overall, Suryoday Small Finance Bank is a fundamentally improving banking franchise with attractive valuations, strong business growth and improving earnings momentum, making it a suitable long-term investment candidate for investors seeking exposure to India's growing small finance banking sector while remaining mindful of asset quality risks.

AASHISH RA

10 May • 1:36 PM · SEBI-Registered Analyst

Suryoday Small Finance Bank Limited – SWOT Analysis

SURYODAY

Strengths Strong Microfinance Presence – Established position in microfinance lending helps deep penetration in underserved rural and semi-urban markets. Retail-Focused Banking Model – Focus on small borrowers, MSMEs, affordable housing, and retail deposits supports diversified growth. Weaknesses High Exposure to Microfinance Risk – Dependence on unsecured microfinance loans increases credit risk during economic stress. Higher Credit Cost – Elevated provisioning risk due to borrower profile and rural income sensitivity. Limited Scale Compared to Large Banks – Smaller balance sheet reduces competitive strength against larger private banks. Opportunities Financial Inclusion Growth – Large unbanked and underbanked population supports long-term customer expansion. Affordable Housing & MSME Lending – Government support and rising demand create strong lending opportunities. Cross-Selling Potential – Insurance, gold loans, and other retail banking products can improve fee income. Threats Rising NPAs – Economic slowdown may increase defaults in microfinance and small borrower segments. Regulatory Changes by RBI – Policy changes for SFBs can affect growth strategy and margins. Competition from Larger Banks & Fintechs – Strong competition in retail lending and deposits creates pricing pressure. Interest Rate Volatility – Higher rates may affect borrowing demand and asset quality. Collection Risk – Rural borrower repayment cycles may be impacted by inflation, weather, or local disruptions. Disclaimer AASHISH SEBI RA INH000013174 This analysis is only for educational and informational purposes and should not be considered as buy/sell recommendation. Investors should consult their financial advisor before making any investment decision. Stock market investments are subject to market risks. Past performance does not guarantee future results.

CA Omkar Bhutada - SEBI Reg IA

8 May • 5:42 PM · SEBI-Registered Analyst

Strong Cup & Handle Style Breakout Setup

SURYODAY

Suryoday Small Finance Bank is showing a powerful bullish reversal structure on the weekly timeframe. What the Chart Indicates The stock formed a large rounding base/cup pattern after a prolonged downtrend. Resistance near ₹155–₹160 acted as a major supply zone for many months. Now price has given a decisive breakout above the neckline with strong momentum candle expansion. Structure suggests transition from accumulation phase to markup phase. Elliott Wave Possibility The breakout structure also supports an impulsive wave setup: Wave (1): Initial breakout rally Wave (2): Healthy pullback/retest Wave (3): Strong momentum expansion phase Wave (4): Consolidation Wave (5): Final bullish extension This is exactly what your projected path on chart is visualizing. Key Levels Breakout Zone: ₹155–₹160 Immediate Support: ₹150 Positional Support: ₹138–₹140 Upside Targets Using the cup depth projection: Target 1: ₹180 Target 2: ₹200 Extended Target: ₹220+ Why This Setup Looks Strong Multi-month base breakout Rounded accumulation structure Fresh price expansion after consolidation Higher highs + higher lows emerging Banking sector participation improving Trading Perspective Momentum traders can ride continuation above ₹170. Ideal risk-reward comes on pullback near breakout zone. Weekly close above ₹175 can accelerate momentum further.

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