Suryoday Small Finance Bank Limited

Web: suryodaybank.com NSE: SURYODAY BSE: 543279 SECTOR: Financial Services - Banks

191 10(5%)

Near 52W High of 197

Volume

3L as on 23, Jun

Open

141

High

142

Low

137

181

VWAP

174

52 Week High

197

52 Week Low

115

Viand Research Rating

Quality Score

58/100

Growth Score

1/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

2,033

No. of Shares

10.6

P/E

6.35

P/B

0.77

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

12.13

ROCE

Profit Growth

Listing Date

26-Mar-21

Promoter Holding

22.48%

FII Holding

5.23%

DII Holding

5.72%

Price Chart

Price Performance

1 Week1%

1 Month8%

3 Months37%

6 Months28%

1 Year28%

YTD28%

Moving Average

5 Day SMA173

10 Day SMA172

20 Day SMA170

30 Day SMA168

50 Day SMA162

61 Day SMA156

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	184	177	181	186
Resistance 2	181	176	178	181
Resistance 1	178	176	177	180
Pivot Point	174	175	174	175
Support 1	172	175	172	173
Support 2	168	174	171	169
Support 3	166	173	168	167

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.11) 22.48%	(0.01) 22.43%	(0.01) 22.43%	(0.01) 22.43%	(0.11) 22.43%	(0.01) 22.29%	(-0.11) 22.30%	(0.01) 22.39%	(0.01) 22.40%	(0.01) 22.40%	(-0.91) 22.40%	(0.01) 23.30%	(0.01) 23.30%	(-4.71) 23.30%	(0.01) 28.01%	(0.01) 28.01%	(0.01) 28.01%	(0.01) 28.01%	(0.01) 28.01%
FIIs	(0.31) 5.23%	(0.31) 4.97%	(0.01) 4.67%	(0.01) 4.68%	(-0.11) 4.67%	(1.31) 4.80%	(0.51) 3.50%	(0.11) 3.02%	(0.01) 2.90%	(0.81) 2.91%	(0.51) 2.16%	(0.51) 1.68%	(-1.51) 1.16%	(-1.31) 2.61%	(-4.31) 3.93%	(-1.71) 8.27%	(0.01) 9.94%	(0.01) 9.95%	(0.01) 9.96%
DIIs	(-0.41) 5.72%	(-0.51) 6.11%	(0.71) 6.62%	(0.31) 5.93%	(-0.21) 5.66%	(-2.11) 5.89%	(-4.61) 8.01%	(-1.41) 12.64%	(-3.01) 14.04%	(-1.41) 17.01%	(-0.31) 18.38%	(-2.31) 18.68%	(-1.31) 20.93%	(-0.31) 22.19%	(-1.41) 22.52%	(-0.11) 23.90%	(-0.41) 24.04%	(-0.21) 24.42%	(0.01) 24.65%
Public	66.58%	66.48%	66.28%	66.95%	67.22%	67.01%	66.19%	61.95%	60.66%	57.68%	57.05%	56.35%	54.61%	51.89%	45.55%	39.82%	38.01%	37.62%	37.38%
No. of Shareholders	95,026	99,138	102,098	104,927	108,734	110,197	108,301	103,356	96,276	94,235	94,848	94,136	94,321	95,707	95,459	94,811	95,101	98,134	104,036

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Sales	602	544	520	495	471	488	507	488	445	411	375	358	329	292	281	281	237	255	234
Sales Growth % (YoY)	27.8%	11.5%	2.5%	1.4%	5.8%	18.8%	35.2%	36.3%	35%	40.8%	33.5%	27.2%	39.2%	14.4%	19.8%	-	55.9%	25.3%	-
Sales Growth % (QoQ)	10.7%	4.6%	5.1%	5.1%	-3.5%	-3.7%	3.9%	9.7%	8.3%	9.6%	4.7%	8.8%	12.7%	3.9%	-	18.6%	-7.1%	9%	-
Expenses	341	310	299	309	352	270	287	271	255	221	205	212	194	186	184	180	230	178	195
Operating Profit	-25	-33	-41	-62	-107	-2	13	23	15	24	16	12	16	-2	-8	-3	-84	-10	-48
OPM %	-4	-6	-8	-12	-23	0	2	5	3	6	4	3	5	-1	-3	-1	-35	-4	-20
Other Income	90	81	80	109	60	40	47	70	65	52	52	51	34	26	25	13	20	18	33
Interest	285	267	261	248	226	220	207	195	174	165	154	133	119	108	105	104	90	88	87
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	66	48	39	47	-47	38	60	93	80	76	68	63	50	24	17	10	-64	8	-15
Tax %	24	24	23	25	-28	12	25	24	24	25	26	25	23	23	23	23	-24	40	-87
Net Profit	50	37	30	35	-34	33	45	70	61	57	50	48	39	18	13	8	-48	5	-2
Net Profit Growth % (QoQ)	35.1%	23.3%	-14.3%	202.9%	-203%	-26.7%	-35.7%	14.8%	7%	14%	4.2%	23.1%	116.7%	38.5%	62.5%	116.7%	-1060%	350%	-
Net Profit Growth % (YoY)	247.1%	12.1%	-33.3%	-50%	-155.7%	-42.1%	-10%	45.8%	56.4%	216.7%	284.6%	500%	181.2%	260%	750%	-	-	-	-
TTM Net Profit	152	68	64	79	114	209	233	238	216	194	155	118	78	-9	-22	-37	-45	3	0
EPS in Rs	4.68	3.44	2.86	3.32	-3.18	3.13	4.27	6.59	5.73	5.39	4.74	4.48	3.67	1.7	1.22	0.73	-4.53	0.44	-0.18

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	2160	1954	1589	1184	942	776	767	530	287	244	199	118	61	26
Sales Growth %	10.6%	23%	34.2%	25.7%	21.4%	1.2%	44.6%	84.8%	17.7%	22.6%	68.7%	93.1%	138.6%	66.6%
Expenses	1259	1124	843	700	786	460	414	259	181	114	76	37	20	13
Operating Profit	-160	-18	120	47	-201	-49	77	81	-18	15	28	26	13	3
OPM %	-7	-1	8	4	-21	-6	10	15	-6	6	14	22	21	12
Other Income	360	217	219	97	94	76	87	67	38	11	1	0	0	0
Interest	1062	848	626	437	357	366	276	190	123	115	95	55	28	9
Depreciation	0	56	51	43	19	15	10	6	5	2	1	1	0	0
Profit before tax	200	144	288	101	-127	12	154	143	16	24	27	25	13	3
Tax %	24	20	25	23	-27	2	28	37	36	37	0	34	32	32
Net Profit	152	115	216	78	-93	12	111	90	10	15	27	17	9	2
Net Profit Growth %	32.2%	-46.8%	176.9%	183.9%	-875%	-89.2%	23.3%	800%	-33.3%	-44.4%	58.8%	88.9%	350%	-
EPS in Rs	14.3	10.82	20.34	7.32	-8.76	1.12	12.84	11.08	1.5	2.36	7.16	5.11	3.3	0.83
Dividend Payout %	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2014	Mar 2013
Cash from Operating Activity	652	1320	935	-98	-347	-876	526	-545	-71	-7
Cash from Investing Activity	-792	-1059	-263	-266	-158	-280	-167	-14	4	0
Cash from Financing Activity	412	268	-322	213	885	915	210	655	79	33
Net Cash Flow	273	529	349	-150	381	-241	569	97	11	27

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	106	106	106	106	106	106	106	106	87	82	68	64	38	33	27	23
Reserves	1972	1885	1821	1819	1699	1479	1399	1491	980	799	472	437	159	99	61	41
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	689	457	397	545	352	344	270	193	185	163	156	60	39	31	14	92
Total Liabilities	19884	16604	15614	13500	12378	9861	8180	6712	5365	3761	2164	1604	1193	757	400	203
Fixed Assets	298	290	156	278	152	163	66	35	30	18	13	6	2	2	1	1
CWIP	0	0	135	0	17	1	49	8	8	1	1	2	0	0	0	0
Investments	3693	3414	3137	2852	2599	2570	2058	1874	808	664	311	594	0	1	1	2
Other Assets	15893	12900	12187	10370	9610	7127	6007	4795	4518	3078	1839	1002	1190	754	398	200
Total Assets	19884	16604	15614	13500	12378	9861	8180	6712	5365	3761	2164	1604	1193	757	400	203

Delivery

#	Date	157 24% 195	Value (Cr)	Q/T 63	Del 51	Del 6
1	22-Jul	181	6	49	57	4
2	21-Jul	190	8	63	51	4
3	20-Jul	183	3	55	39	1
4	17-Jul	180	6	59	52	3
5	16-Jul	185	5	43	56	3
6	15-Jul	189	7	67	39	3
7	14-Jul	187	8	65	42	4
8	13-Jul	192	28	79	39	11
9	10-Jul	184	17	74	57	9
10	9-Jul	177	3	49	48	2
11	8-Jul	176	9	54	52	5
12	7-Jul	177	12	52	52	6
13	6-Jul	182	14	58	44	6
14	3-Jul	182	12	47	60	7
15	2-Jul	184	20	63	43	9
16	1-Jul	179	8	73	48	4
17	30-Jun	176	7	69	42	3
18	29-Jun	174	10	69	43	4
19	25-Jun	172	7	50	59	4
20	24-Jun	173	7	60	54	4
21	23-Jun	172	6	54	61	4
22	22-Jun	175	17	68	56	9
23	19-Jun	175	16	82	57	9
24	18-Jun	173	7	80	64	4
25	17-Jun	171	7	47	47	3
26	16-Jun	174	8	67	53	4
27	15-Jun	172	6	66	49	3
28	12-Jun	170	4	77	43	2
29	11-Jun	165	3	51	44	1
30	10-Jun	170	4	59	55	2
31	9-Jun	175	4	58	51	2
32	8-Jun	170	5	74	45	2
33	5-Jun	172	5	65	50	2
34	4-Jun	171	7	69	43	3
35	3-Jun	170	7	67	44	3
36	2-Jun	169	6	55	57	4
37	1-Jun	163	7	50	42	3
38	29-May	164	7	69	53	4
39	27-May	166	6	68	53	3
40	26-May	162	3	48	50	2
41	25-May	162	3	64	52	2
42	22-May	159	2	52	46	1
43	21-May	160	2	59	50	1
44	20-May	161	3	54	45	1
45	19-May	163	3	50	49	1
46	18-May	163	6	47	40	2
47	15-May	167	5	65	43	2
48	14-May	172	8	69	41	3

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	2,033c	99c	5.13
22-Jul	1,934c	84c	4.16
21-Jul	2,018c	104c	5.43
17-Jul	1,914c	63c	3.20
16-Jul	1,977c	43c	2.13
15-Jul	2,020c	5c	0.23
14-Jul	2,025c	20c	0.98
13-Jul	2,045c	113c	5.83
10-Jul	1,932c	44c	2.34
09-Jul	1,888c	17c	0.93
08-Jul	1,870c	16c	0.86
07-Jul	1,887c	37c	1.93
06-Jul	1,924c	32c	1.61
02-Jul	1,955c	62c	3.29
01-Jul	1,893c	27c	1.45
30-Jun	1,866c	9c	0.47
29-Jun	1,857c	34c	1.88
26-Jun	1,823c	23c	1.23
25-Jun	1,846c	6c	0.31
24-Jun	1,840c	22c	1.19
23-Jun	1,818c	43c	2.31
22-Jun	1,861c	4c	0.19
19-Jun	1,858c	51c	2.79
17-Jun	1,807c	36c	1.96
16-Jun	1,843c	10c	0.53
15-Jun	1,833c	27c	1.47
12-Jun	1,807c	23c	1.31
11-Jun	1,784c	45c	2.44
10-Jun	1,828c	0	0

Stock Checklist

Price is above from 52 week high low average: 85%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: YES

Mutual Fund Holdings

Held by 4 fund scheme(s) across 2 fund house(s) as of Jul26 · Total value ₹51 Cr · 0 increasing / 0 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Bandhan Mutual Fund	2	0.10%	-	50.3
Axis Mutual Fund	2	0.04%	-	1.1

Suryoday Small Finance Bank Limited

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