₹178.05
▼ -7.44 -4.01%
17 Jul 2026
NSE Listed · Banks
Suryoday Small Fin Bk Ltd. (SURYODAY)
Volume: 1,42,349Avg Vol 1W: 86,907Avg Vol 1M: 3,07,41052W Range:₹115.41₹195
Key Ratios
Checked 3h agoMarket Cap₹1,891 Cr
Current Price₹178.05
Previous Close₹185.49
High / Low (52w)₹195 / ₹115.41
Volume1,42,349
Avg Vol (1W)86,907
Avg Vol (1M)3,07,410
Stock P/E12.44
Book Value₹195.53
Dividend Yield81%
ROE7.31%
ROA89%
Revenue (TTM)₹1,274 Cr
Revenue Growth—
Profit Margin7.03%
Total Debt—
Shares Outstanding11 Cr
Face Value₹10
EPS (TTM)₹14.3
P/B0.91
Debt / Equity0
50 DMA₹177.94
200 DMA₹153.41
Day change-4.01%
Price Chart
₹178.05▲ 26.32% · 1Y
2025-11-242026-07-17
20-day avg volume: 3.0L shares
Pros
- Pays a dividend yield of 81.0%.
- Company is almost debt-free.
- Revenue grew 673919597% YoY.
- Net profit is growing year over year.
- Stock trades below its book value.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹70 Cr | ₹45 Cr | ₹33 Cr | ₹-34 Cr | ₹35 Cr | ₹30 Cr | ₹37 Cr | ₹50 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹597 Cr | ₹854 Cr | ₹853 Cr | ₹1,035 Cr | ₹1,281 Cr | ₹1,808 Cr | ₹2,171 Cr | ₹1,463 Cr |
| EBITDA | ₹143 Cr | ₹154 Cr | ₹12 Cr | ₹-127 Cr | ₹101 Cr | ₹288 Cr | ₹144 Cr | ₹0 Cr |
| Net Profit | ₹90 Cr | ₹111 Cr | ₹12 Cr | ₹-93 Cr | ₹78 Cr | ₹216 Cr | ₹115 Cr | ₹152 Cr |
| EPS | 13.16 | 13.3 | 1.31 | -8.76 | 7.32 | 20.15 | 10.75 | — |
Balance Sheet
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹3,761 Cr | ₹5,365 Cr | ₹6,712 Cr | ₹8,180 Cr | ₹9,861 Cr | ₹12,378 Cr | ₹15,614 Cr | ₹19,884 Cr |
| Total Liabilities | ₹2,881 Cr | ₹4,298 Cr | ₹5,115 Cr | ₹6,675 Cr | ₹8,276 Cr | ₹10,573 Cr | ₹13,687 Cr | ₹17,806 Cr |
| Equity | ₹880 Cr | ₹1,066 Cr | ₹1,597 Cr | ₹1,505 Cr | ₹1,585 Cr | ₹1,805 Cr | ₹1,927 Cr | ₹2,078 Cr |
| Total Debt | — | — | — | — | — | — | — | ₹3,122 Cr |
Cash Flow
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | ₹-846 Cr | ₹-331 Cr | ₹-99 Cr | ₹949 Cr | ₹1,379 Cr | ₹652 Cr |
| Investing | ₹-280 Cr | ₹-158 Cr | ₹-266 Cr | ₹-263 Cr | ₹-1,059 Cr | ₹-792 Cr |
| Financing | ₹915 Cr | ₹885 Cr | ₹213 Cr | ₹-322 Cr | ₹268 Cr | ₹412 Cr |
| Free Cash Flow | ₹-846 Cr | ₹-331 Cr | ₹-99 Cr | ₹949 Cr | ₹1,379 Cr | ₹577 Cr |
Shareholding
Promoter 22.48% Institutions 10.95% Public 66.57%
About Suryoday Small Fin Bk Ltd.
Banks · Banks - Private Sector
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, and current accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro home 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 company offers debit and credit cards; life and general insurance services; social security schemes and mutual funds and broking services; inward and outward remittance services; and internet banking and mobile banking services. The company was incorporated in 2008 and is based in Navi Mumbai, India.
suryoday.bank.in ↗Efficiency & Working Capital
ROCE6.3%
Interest Coverage0
Dividend Payout—
Debtor Days—
Inventory Days—
Payable Days—
Cash Conversion Cycle—
Working Capital Days—
Shareholding Details
As of 2026-03-31
Promoter22.5%
FII5.2%
DII5.7%
Institutions11%
Public66.6%
Promoter Pledge22.4%
No. of Shareholders95,026
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 23.3% | 22.4% | 22.4% | 22.4% | 22.4% | 22.3% | 22.3% | 22.4% | 22.4% | 22.4% | 22.4% | 22.5% |
| FIIs | 1.7% | 2.2% | 2.9% | 2.9% | 3% | 3.5% | 4.8% | 4.7% | 4.7% | 4.7% | 5% | 5.2% |
| DIIs | 18.7% | 18.4% | 13% | 14% | 12.6% | 8% | 5.9% | 5.7% | 5.9% | 6.6% | 6.1% | 5.7% |
| Public | 56.3% | 57.1% | 61.7% | 60.7% | 61.9% | 66.2% | 67% | 67.2% | 67% | 66.3% | 66.5% | 66.6% |
| Promoter Pledge | 25.4% | 22.5% | 22.5% | 22.5% | 22.5% | 22.5% | 22.5% | 22.4% | 22.4% | 22.4% | 13.2% | 22.4% |
| No. of Shareholders | 94,136 | 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 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202603 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Baskar Babu Ramachandran | Shareholding of Promoter and Promoter Group | 5.2% | 55,51,911 |
| 1729 Capital | Public Shareholding | 4.3% | 45,34,514 |
| Sunaina Pai Ocalan | Shareholding of Promoter and Promoter Group | 4.2% | 44,40,000 |
| Sheela Pai Cole | Shareholding of Promoter and Promoter Group | 4.2% | 44,40,000 |
| Responsability Participations Mauritius | Public Shareholding | 3.6% | 38,09,020 |
| Gaja Capital Fund Ii Limited | Public Shareholding | 3.5% | 36,72,671 |
| Evolvence India Fund Ii Ltd | Public Shareholding | 3.5% | 36,69,656 |
| Peruvamba Subramaniam Jagdish | Shareholding of Promoter and Promoter Group | 3.3% | 35,31,711 |
| Deg-deutsche Investitions -und Entwicklungsgesells | Public Shareholding | 3.3% | 35,08,674 |
| Teachers Insurance And Annuity Association Of America | Public Shareholding | 3.3% | 34,75,500 |
| Mukul Mahavir Agrawal | Public Shareholding | 2.8% | 30,00,000 |
| Panemangalore Surendra Pai | Shareholding of Promoter and Promoter Group | 2.3% | 24,23,215 |
| Savita Surendra Pai | Shareholding of Promoter and Promoter Group | 2% | 21,31,862 |
| Hdfc Life Insurance Company Limited | Public Shareholding | 2% | 21,22,432 |
| Akm Systems Private Limited | Public Shareholding | 1.6% | 16,87,286 |
| Bandhan Small Cap Fund | Public Shareholding | 1.5% | 16,29,316 |
| Icici Prudential Life Insurance Company Limited | Public Shareholding | 1.3% | 13,81,874 |
| Kiran Vyapar Limited | Public Shareholding | 1.1% | 11,55,338 |
| Peruvamba Engineering Llp | Shareholding of Promoter and Promoter Group | 0.8% | 8,33,334 |
| Gealgeo Varghese Alankara | Shareholding of Promoter and Promoter Group | 0.5% | 5,44,561 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Peruvamba Subramaniam Jagdish | 0 | 0% | 2026-03-31 |
| Panemangalore Surendra Pai | 0 | 0% | 2026-03-31 |
| Baskar Babu Ramachandran | 53,40,000 | 96.2% | 2026-03-31 |
| Gealgeo Varghese Alankara | 0 | 0% | 2026-03-31 |
| Sunaina Pai Ocalan | 0 | 0% | 2026-03-31 |
| Sheela Pai Cole | 0 | 0% | 2026-03-31 |
| Peruvamba Engineering Llp | 0 | 0% | 2026-03-31 |
| Savita Surendra Pai | 0 | 0% | 2026-03-31 |
| Bandhan Small Cap Fund | 0 | 0% | 2026-03-31 |
| Hdfc Life Insurance Company Limited | 0 | 0% | 2026-03-31 |
| Icici Prudential Life Insurance Company Limited | 0 | 0% | 2026-03-31 |
| 1729 Capital | 0 | 0% | 2026-03-31 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| K P Nair | Independent Non Executive Part Time Chairman | 2025 |
| RANJIT JAYANTILAL SHAH | Non-Exec & Non-Independent Dir | 2025 |
| Hemant Premchand Shah | E D & Wholetime Director | 2025 |
| John Arunkumar Diaz | Independent Non Exe. Director | 2025 |
| Swati Datye | Independent Non Exe. Director | 2025 |
| Deepak Kumar Sharma | Independent Non Exe. Director | 2025 |
| Vivek Karve | Independent Non Exe. Director | 2025 |
| Ramachandran Baskar Babu | Managing Director & Chief Executive Officer | 2025 |
| Krishna Kant Chaturvedi | Company Sec. & Compli. Officer | 2025 |
| SUNIL SATYAPAL GULATI | Independent Director | 2025 |
| Alok Sethi | Independent Director | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Treasury | ₹303 Cr | 10.6% |
| Retail banking | ₹2,343 Cr | 81.9% |
| Corporate | ₹162 Cr | 5.7% |
| Other banking operations | ₹52 Cr | 1.8% |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2026 | ₹10 | 150 | 106 | 106 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-07-23 | Board Meetings | — |
| forthcoming | 2026-07-17 | Dividend (1.5/- per share) | Final |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 0 | 0 | 0 | 8 | 0 | 8 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 0 |
Insider / Designated-Person Trades
30 recent disclosure(s)
Baskar Babu RamachandranAcquisition · 50,000
SAMEER SRINIVAS RANADEDisposal · 9,750
NARAYAN VASUDEVA RAODisposal · 99,000
Baskar Babu RamachandranAcquisition · 1,50,000
Savita Surendra PaiDisposal · 68,493
Savita Surendra PaiDisposal · 19,645
Substantial Acquisitions (SAST)
3 disclosure(s)
Market17/03/2025 · 1,50,000
Market02/09/2024 - 03/09/2024 · 68,493
Market30/08/2024 · 19,645
Company Information
🌐 www.suryodaybank.com ↗
📍 1101 Sharda Terrace Plot 65, Sector 11 CBD Belapur, Navi Mumbai, Maharashtra, 400614
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