Suryoday Small Finance Bank Limited (NSE:SURYODAY)

NSE:SURYODAY Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	20,117	19,537	15,887	11,837	9,418	7,761
Interest Paid on Deposits	10,025	8,476	6,265	4,371	3,574	3,657
Total Interest Expense	10,025	8,476	6,265	4,371	3,574	3,657
Net Interest Income	10,268	11,061	9,622	7,466	5,845	4,105
Net Interest Income Growth (YoY)	-9.31%	14.95%	28.89%	27.74%	42.38%	-16.31%
Gain (Loss) on Sale of Assets	0.54	0.54	0.08	0.12	0.76	0.16
Gain (Loss) on Sale of Investments	81.25	81.25	26.97	-354.48	-60.18	64.83
Other Non-Interest Income	3,213	2,091	2,167	1,329	995.01	698.99
Total Non-Interest Income	3,295	2,173	2,194	974.22	935.58	763.98
Non-Interest Income Growth (YoY)	48.51%	-0.97%	125.19%	4.13%	22.46%	-12.64%
Revenues Before Loan Losses	13,563	13,234	11,816	8,440	6,780	4,869
Provision for Loan Losses	2,366	2,454	1,661	2,366	3,920	1,462
Revenue	11,197	10,780	10,155	6,074	2,860	3,407
Revenue Growth (YoY)	-2.97%	6.16%	67.19%	112.35%	-16.05%	-20.03%
Salaries and Employee Benefits	4,810	4,398	3,571	2,398	2,272	1,800
Occupancy Expenses	1,994	1,994	1,600	1,289	1,012	903.25
Selling, General & Administrative	284.83	284.83	228.27	188.29	133.86	93.56
Other Non-Interest Expense	3,192	2,621	1,843	1,164	703.86	431.14
Total Non-Interest Expense	10,326	9,342	7,280	5,065	4,131	3,286
EBT Excluding Unusual Items	871.45	1,438	2,876	1,009	-1,271	120.95
Pretax Income	871.45	1,438	2,876	1,009	-1,271	120.95
Income Tax Expense	186.8	288.7	716.1	231.7	-340.4	2.4
Net Income	684.65	1,150	2,160	776.91	-930.32	118.55
Net Income to Common	684.65	1,150	2,160	776.91	-930.32	118.55
Net Income Growth	-67.33%	-46.77%	177.97%	-	-	-89.31%
Basic Shares Outstanding	106	106	106	106	106	90
Diluted Shares Outstanding	106	106	106	106	106	90
Shares Change (YoY)	0.06%	-0.06%	0.19%	0.02%	17.52%	8.04%
EPS (Basic)	6.44	10.82	20.34	7.32	-8.76	1.32
EPS (Diluted)	6.38	10.75	20.15	7.32	-8.76	1.31
EPS Growth	-67.43%	-46.65%	175.34%	-	-	-90.13%
Effective Tax Rate	21.44%	20.07%	24.90%	22.97%	-	1.98%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.