Suryoday Small Finance Bank Limited · NSE:SURYODAY
Suryoday Small Finance Bank — Q2 FY27 Earnings Presentation
45 slides from Suryoday Small Finance Bank's earnings presentation, Oct 29, 2026
Slide 1: Exchange filing cover letter
October 29, 2026 Ref.: SSFB/CS/68/2026-27 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 Sym
Slide 2: Inclusive Growth, Powering Aspirations
Inclusive Growth, Powering Aspirations Investor Presentation | Q2 & H1FY27 October-2026
Slide 3: Table of Contents
TABLE OF CONTENTS 1. Performance Highlights & Way Forward 6. Our Strategy 2. Key Metrics 7. Financials & Key Ratios 3. Asset Products 8. Company Overview & Products 4. Asset Quality 9. CSR Initiatives 5. Liability Portfolio 10. Annexures
Slide 4: Performance Highlights & Way Forward
1. PERFORMANCE HIGHLIGHTS & WAY FORWARD
Slide 5: Performance Highlights Q2FY27
PERFORMANCE HIGHLIGHTS Q2FY27 Gross Advances# Disbursements Asset Mix^ Collection Efficiency ₹ 14,972 Cr. ₹ 3,096 Cr. IF : RA – 40.8% : 59.2% (one EMI adjusted) (+34.6% YoY) (+27.4% YoY) (45.1% : 54.9%) 93.6% (85.3%) Deposits Retail@ : Bulk Deposit CASA Ratio Cost of Funds ₹ 16,184 Cr. 84.5% : 15.5%
Slide 6: Performance Highlights
PERFORMANCE HIGHLIGHTS PARAMETER Metrics Q2FY27 YoY QoQ HIGHLIGHTS H1 FY27 ▪ Momentum has picked up in Inclusive Finance [IF] business: Loan Book # ₹ 14,972 34.6% 4.2%@ ▪ Book growth 22.0% [YoY]; Disbursement up 21.9% [YoY]; VL is 78.3% of IF book ADVANCES# Disbursements ₹ 3,096 27.4% 4.8% ▪ ~3.7 La
Slide 7: Guidance & Way Forward
GUIDANCE & WAY FORWARD FY27 Year of Building Momentum & Consistency Micro-Banking: Pivot to Individual Loan Continues Advances Deposit Growth IF: ~₹7,500 Cr, +25% YoY 30% to 35% 30% to 35% Expansion & Deeper Penetration New 100 Branches 34.6% 35.0% Growth Momentum in Retail Assets [45%+ YOY] CV : ~
Slide 8: Key Metrics
@suRvooay 2. KEY METRICS is a
Slide 9: Key Metrics Q2 & H1 FY27
KEY METRICS Q2 & H1 FY27 Gross Advances* (₹ Cr.) Disbursements@ (₹ Cr.) Deposits (₹ Cr.) 34.6% Y-o-Y 4.2% Q-o-Q 27.4% Y-o-Y 4.8% Q-o-Q 35.0% Y-o-Y 10.6% Q-o-Q 14,376 14,972 14,972 11,124 11,124 7,987 8,857 8,857 6,111 6,111 6,050 16,184 16,184 4,691 14,634 11,991 11,991 2,954 3,096 6,389 6,115 6,115
Slide 10: Key Metrics Q2FY27 & H1FY27
KEY METRICS Q2FY27 & H1FY27 Effective Yield on Advances (%) Cost of Funds (%) NIM (%) 46 bps Y-o-Y 65 bps Q-o-Q 29 bps Y-o-Y 6 bps Q-o-Q 28 bps Y-o-Y 2 bps Q-o-Q 16.8% 16.6% 16.5% 7.7% 7.5% 7.4% 7.8% 7.4% 16.4% 6.9% 7.2% 7.2% 7.1% 7.2% 16.2% Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1
Slide 11: Asset Products
3. ASSET PRODUCTS
Slide 12: Microbanking: Beyond Microlending
MICROBANKING : BEYOND MICROLENDING VIKAS LOAN SHARE AVG. TICKET SIZE DISBURSEMENT COUNT –H1FY27 VL UPI COLLECTIONS 78% JLG VL NTB VL Count NTB % NTC % ETB % 49% ₹52K ₹1L ₹61K 3,69,516 38.4% 16.2% 45.4% of IF gross advances Digital collection share Asset quality and provision coverage Portfolio evolu
Slide 13: Mortgage: Segment Focused Approach
MORTGAGE : SEGEMENT FOCUSED APPROACH CUSTOMERS DISBURSEMENTS – H1FY27 TEAM STRENGTH TOUCHPOINTS 18,700+ ₹ 755 Cr 750+ 100+ Asset quality and provision coverage Portfolio evolution FY22–H1FY27 CAGR 44% Gross advances (₹ Cr.) Mortgage 84 3,470 58 68.8% 3,013 687 MHL 29 603 20 67.7% 2,187 1,588 406 1,9
Slide 14: Wheels: Accelerated Growth Over Last Three Years
WHEELS : ACCELERATED GROWTH OVER LAST THREE YEARS CUSTOMERS DISBURSEMENTS – H1FY27 TEAM STRENGTH TOUCHPOINTS 20,000+ ₹676 Cr 600+ 145+ Asset quality and provision coverage Portfolio evolution FY22–H1FY27 CAGR 50% Gross advances (₹ Cr.) 2,127 1,819 Wheels 37 1,336 29 79.3% 830 PCR% GNPA Provisons 340
Slide 15: FIG
FIG CUSTOMERS DISBURSEMENTS – H1FY27 RATING MIX TICKET SIZE – CUSTOMERS# 94 ₹785 Cr A band & above 68% Below A band 32% Upto 25 Cr 75 25 Cr - 50 Cr 15 >50 Cr 4 Asset quality and provision coverage Portfolio evolution FY22–H1FY27 CAGR 38% Gross advances (₹ Cr.) FIG 8 97.2% 1,631 8 1,424 1,147 688 848
Slide 16: MSME
MSME MSME CUSTOMER COUNT (RETAIL) MSME DISBURSEMENT - H1FY27 MSME ATS (RETAIL) MSME TOUCHPOINTS 14,200+ ₹114 Cr ~₹ 1.5 lakhs 140+ Asset quality and provision coverage Portfolio evolution FY25–H1FY27 CAGR 111% Gross advances (₹ Cr.) 792 573 238 MSME 9 166 100% 3 6 259 553 407 259 PCR % GNPA Provision
Slide 17: Asset Business Update: Q2 & H1FY27
ASSET BUSINESS UPDATE : Q2 & H1FY27 Micro Particulars (₹ Cr.) JLG VL HL LAP Vehicles FIG SCF MSME Others* Total Mortgage Gross Advances – (₹Cr) 1,326.9 4,787.9 859.8 1,923.2 686.8 2,127.1 1,630.9 553.3 238.2 837.6 14,972.1 Disbursement Q2FY27 (₹Cr) 256.2 1,066.7 54.9 262.6 80.6 352.4 407.5 470.4 55.
Slide 18: Digital Banking
DIGITAL BANKING DIGITAL DEPOSITS CREDIT LINE ON UPI SECURED CREDIT CARD 2.3x Scaled from H1FY26-H1FY27 ₹8,500 Average sanction FD- UPI credit card proposition backed Low CAC, strong retention ~90% Portfolio with CIBIL >725 Deepens existing customer engagement Growing share of incremental deposits th
Slide 19: Asset Quality
@suRvooay 4. ASSET QUALITY is hose
Slide 20: Portfolio Performance
PORTFOLIO PERFORMANCE SSFB – PAR 30+ IF – PAR 30+ Retail Assets – PAR 30+# 14.1% 13.5% 8.8% 8.8% 11.4% 7.2% 6.8% 12.4% 5.6% 5.4% 5.7% 1.7% 2.1% 6.5% 4.4% 3.0% 0.8% 4.5% 5.1% 5.1% 3.6% 3.2% 2.7% 2.3% 2.4% 1.1% 1.2% Sep-25 Jun-26 Sep-26 Sep-25 Jun-26 Sep-26 Sep-25 Jun-26 Sep-26 PAR 30-90 PAR 90+ 19 #
Slide 21: GNPA Asset Quality & Credit Cost
GNPA ASSET QUALITY & CREDIT COST GNPA Q2 FY27 Movement GNPA H1 FY27 Movement 122 214 591 596 931 864 24 438 44 438 Jun-26 New Tech W/off & RollBack/ Sep-26 Mar-26 New Tech W/off & RollBack/ Sep-26 OTS Recoveries OTS Recoveries Provisions Q2 FY27 Movement* Provisions H1 FY27 Movement 50 493 686 591 5
Slide 22: Liabilities Portfolio
@suRvooay 5. LIABILITIES PORTFOLIO
Slide 23: Deposits Update
DEPOSITS UPDATE Deposits Retail Deposit (Incl. CASA) Average Ticket Size ₹ Cr. 11,991 14,634 16,184 5% 21.0 19.4 20.7 Retail % <50 k 2,508 35% 1,852 Retail TD 3,142 31% 50 K to 5 Lakhs 1,675 3,072 CASA 2,477 87.3 5 Lakhs to 50 Lakhs 86.0 84.5 CASA % 50 Lakh & above 7,839 9,709 10,534 Bulk 29% Sep-25
Slide 24: Funding Mix & Liquidity
FUNDING MIX & LIQUIDITY Balance Sheet Mix Capital Adequacy Ratio % (CRAR) 2.4% 10.3% 23.4% 1.0% 20.0% 19.4% 11.8% 0.7% 0.7% 22.4% 19.4% 18.7% 75.5% Sep-25 Jun-26 Sep-26 Deposits Borrowings Shareholders Fund Other Liab Tier 1 Tier 2 23 Figures may not add up due to rounding off
Slide 25: Our Strategy
@suRvooay 6. OUR STRATEGY _ ea a
Slide 26: Pillars of Growth
PILLARS OF GROWTH Micro-Banking Retail Banking Digital Banking Pivot to Individual Loans Retail Assets growing at 45% YOY Quality Client Acquisition ▪ Vikas Loans comprise 78.3% of MFI ▪ Mortgage [35.8% YOY]: ▪ Digital deposits: 19.1% of total book ⁻ Part of MSME strategy – Focus on ⁻ ~ 40% of incre
Slide 27: Financials & Key Ratios
@suRvooay 7. FINANCIALS & KEY RATIOS
Slide 28: Financials – Balance Sheet
FINANCIALS – BALANCE SHEET Particulars (₹ Cr.) Sep-26 Sep-25 Y-o-Y Jun-26 Q-o-Q Capital and Liabilities Capital 106.3 106.3 - 106.3 - Reserves and Surplus 2,111.4 1,885.2 12.0% 2,049.4 3.0% Deposits 16,183.7 11,991.3 35.0% 14,633.6 10.6% Borrowings 2,532.0 2,164.9 17.0% 2,640.5 -4.1% Other Liabiliti
Slide 29: Financials – P&L Account
FINANCIALS – P&L ACCOUNT Particulars (₹ Cr.) Q2 FY27 Q2 FY26 Y-o-Y Q1 FY27 Q-o-Q H1FY27 H1 FY26 Y-o-Y Interest Earned 702.9 519.7 35.3% 622.4 12.9% 1,325.2 1,014.8 30.6% Interest Expended 334.1 261.4 27.8% 306.6 9.0% 640.7 509.5 25.8% Net Interest Income 368.8 258.2 42.8% 315.7 16.8% 684.5 505.4 35.
Slide 30: Financials – Key Metrics
FINANCIALS – KEY METRICS Particulars (₹ Cr.) Unit Q2 FY27 Q2 FY26 Y-o-Y Q1 FY27 Q-o-Q H1FY27 H1 FY26 Y-o-Y Gross Advances* ₹ Cr. 14,972 11,124 34.6% 14,376 4.2% 14,972 11,124 34.6% Disbursement ₹ Cr. 3,096 2,430 27.4% 2,954 4.8% 6,050 4,691 29.0% Deposits ₹ Cr. 16,184 11,991 35.0% 14,634 10.6% 16,18
Slide 31: Company Overview & Products
8. COMPANY OVERVIEW & PRODUCTS
Slide 32: Strong Foothold Covering 2/3rd of India
STRONG FOOTHOLD COVERING 2/3RD OF INDIA Branch Distribution Particulars Sep’26 Sep’25 # Asset focused outlets 388 383 Liability focused outlets* 139 132 CG:1 HR 3 Rural Centers 199 197 DL:6 Total 726 712 48 40 *Includes Composite Branches 1 * Includes composite branches #Doesn’t include # Doesn’t 11
Slide 33: Empowering Solutions: Beyond Micro Banking
EMPOWERING SOLUTIONS : BEYOND MICRO BANKING A diversified portfolio built around customer progression, secured growth and digital engagement 1. Inclusive Finance Evolution 2. Retail Asset Diversification 3. Liabilities & Digital Ecosystem LIABILITIES PORTFOLIO 41% of Asset Portfolio 59% of Asset Por
Slide 34: Inclusive Finance: Beyond Micro-Lending
INCLUSIVE FINANCE : BEYOND MICRO-LENDING A structured customer journey from access to deeper, individual banking relationships Customer Progression Model SCALABLE, HYPERLOCAL REACH JLG / NTB Vikas Loans serve as the entry engine, progressively moving households towards comprehensive banking solution
Slide 35: Mortgage: Sustainable Growth
MORTGAGE : SUSTAINABLE GROWTH Growth and Execution Framework Present locations across India Comprehensive mortgage offerings | Housing loans and MSME loans designed for semi-prime and urban affordable customers Business strategy 01 Focus on retail and secured MSME lending; deepen the portfolio in ex
Slide 36: Wheels: Monetising on Larger Opportunity
WHEELS : MONETISING ON LARGER OPPORTUNITY Strategic Approach Present locations across India Portfolio Mix : CV, Used CV, Used Car, Construction Equipment, 3-Wheeler Rural Expansion 01 Expand across Tier 3 and Tier 4 locations through a focused micro- market strategy. Retail Franchise 02 Offer custom
Slide 37: Deposit Landscape
DEPOSIT LANDSCAPE Product Offerings Acquisition Channels Customer Profiling Traditional Deposit Products – Smart Banking Outlets Aspiring Middle Class CASA, TD • Targeted business focus within radius of ~2kms Goal based saving products, Exclusive offers, Easy-to-use banking services • 2 Staffed bran
Slide 38: CSR Initiatives
@suRvooay 9, CSR INITIATIVES Ss A
Slide 39: Suryoday Foundation Programs
SURYODAY FOUNDATION PROGRAMS 01 02 03 04 05 Adhira: Domestic Swayamshree: Rural Vidya Spandan: Healthy Ujjwal: School Children Workers Communities Families Building financial capability Engaging parents in financial Counselling and other Preventive health programs Financial and banking of domestic w
Slide 40: Photo Gallery
PHOTO GALLERY Fathima Boys HSS (Bank AC Open for 40 students) Digital Literacy Session -PL Lokhande Marg, Chembur Swayamshree group training Eye camp Gandarpur, Good Touch and Bad Touch Tamil Nadu Odisha Awareness 39
Slide 41: Inner Wheel Club of Madras Charitable Trust
INNER WHEEL CLUB OF MADRAS CHARITABLE TRUST A fully equipped, modern, and safe Chemistry Laboratory has been established at the Government Higher Secondary School, Kandigai, Tamil Nadu. Before the laboratory was established, students relied primarily on textbook diagrams, with limited opportunities
Slide 42: Photo Gallery: Science Lab
PHOTO GALLERY : SCIENCE LAB 41
Slide 43: Annexures
@suRvooay 10. ANNEXURES ae
Slide 44: Glossary
GLOSSARY Terminology Definition Terminology Definition Gross Advances Total Advances includes IBPC (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 Port
Slide 45: For further information, please contact
For further information, please contact Suryoday Small Finance Bank Ltd CIN: L65923MH2008PLC261472 Mr. Himadri Das IR : [email protected] Website: www.suryoday.bank.in Strategic Growth Advisors, Investor Relations CIN: U74140MH2010PTC204285 Mr. Abhishek Shah / Mr. Rupesh Rege +91 993065
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