Please find attached herewith the Investor Presentation on unaudited financial result for the quarter ended June 30, 2026

July 23, 2026 Ref.: SSFB/CS/39/2026-27 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 Symbol: SURYODAY Scrip Code: 543279, 960033 Dear Sir/Madam, Sub: Investor Presentation on the Unaudited Financial Results of Suryoday Small Finance Bank Limited (the "Bank") for the Quarter (Q-1) ended June 30, 2026, under Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Ref: Bank’s letter No. SSFB/CS/34/2026-27 dated July 15, 2026, intimating about the conference call and letter No. SSFB/CS/36/2026-27 dated July 23, 2026, intimating the Outcome of the Board meeting on approval of the Unaudited Financial Results of the Bank for the Quarter (Q-1) ended June 30, 2026 In continuation to the above-mentioned intimations, please find attached herewith Investor Presentation relating to the Conference call update on the Unaudited Financial Results of the Bank for the Quarter (Q-1) ended June 30, 2026. This intimation shall also be made available on the Bank's website at https://suryoday.bank.in/investor-corner/#disclosure-to-stock-exchanges and https://suryoday.bank.in/investor-corner/#financials and in terms of Regulation 30, 46 and 62 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The above is submitted for your kind information and appropriate dissemination. Thanking You, Yours truly, For Suryoday Small Finance Bank Limited Krishna Kant Chaturvedi Company Secretary & Compliance Officer Encl: As above SURYODAY SMALL FINANCE BANK LIMITED Registered Office: 1101, Sharda Terraces, Plot. 65, Sector 11, CBD Belapur, Navi Mumbai – 400614, Maharashtra Tel: 022-41856700 Corporate Office: 7th Floor, Seawoods Grand Central, Tower No. 1, Plot No. R-1, Sector 40, Seawoods, Navi Mumbai – 400 706 E Mail: info@suryodaybank.com / Web: https://suryoday.bank.in/ CIN: L65923MH2008PLC261472 / GSTIN NO: 27AAMCS5499J1ZG Investor Presentation Q1 FY27 | June 2026 TABLE OF CONTENTS Performance Highlights & Way Forward Q1FY27 Key Highlights • Key Metrics • Company Overview • Asset Products • Asset Portfolio Quality • Liability Portfolio Financial & Key Ratios Q1 FY27 CSR Initiatives Annexures Investor Presentation 2 Performance Highlights & Way Forward Q1 FY27 Q1 FY27 At a Glance GROWTH & SCALE ASSET QUALITY ➢ Advances 32.5% & Deposit 29.4% YoY Growth Metric (Cr.) Q1 FY27 Q4 FY26 Q1 FY26 IF Slippages 52 74 243 ➢ Micro-banking: IF Advances 23.5% YoY Growth VL ₹4,775 Cr & 74.7% of IF Book (VL 40.0% YoY Growth) GNPA 931 864 918 NNPA 170 542 593 ➢ Retail Assets: 40.8% YoY Growth; CV crossed ₹1,900 Cr , Mortgage including MHL crossed ₹3,200 Cr CGFMU Receivable 134 508 584 ➢ PCR stands at 81.8% PROFITABILITY TREND DIGITAL BANKING Metric Q1 FY27 Q4 FY26 Q1 FY26 ➢ Deposit now 15% of overall book & 47% of incremental book year on year Yield 16.2% 17.3% 16.8% Yield on Non-NPA Advances 17.4% 18.4% 18.4% ➢ CLOU : o ~20 lakhs pre-qualified customers; 9.4 lakhs sanctioned, 5 CTI 70.1% 73.7% 69.4% lakhs Utilized RoA 1.6% 1.1% 0.9% PAT (Rs Cr) 75.2 49.7 35.3 o Scaling at marginal cost, sanctioned amount up ~4x and billed amount up ~6x over past 9 months, growing steadily 3 PILLARS OF GROWTH Granular Retail Digital – Focused Micro-banking JSH IF Focus Banking ➢ Core focus Vikas Loan & NTB VL (comprises 75% of ➢ 87% deposits including CASA continues to be retail & ➢ Digital deposits - 15% (₹2,222 Cr) of total book with ₹6 micro banking portfolio) granular crore/day run rate with substantially low CAC ➢ ~98% CGFMU coverage since FY23 ➢ Focus on LAP including prime LAP comprises ~52% ➢ Credit on UPI: ~20 Lakhs prequalified quality customers Mortgage book ➢ Vikas Loan : 75% customers pay digitally/SI; ➢ Lending: End-to-end digital underwriting for small ➢ CV: 90%+ retail; focus continues in used CV & car ticket MSME (<5 Lakhs): 1-min pre-approval ➢ ~10L pre-qualified customers - exponential opportunity ➢ Scaling New Products: New cars & construction ➢ Leveraging partnerships & innovation to drive ➢ Robust credit underwriting & customer profiling equipment granulargrowth ➢ Deepening existing IF customer base to ➢ Micro-market expansion & product-led ➢ 3-year tech roadmap → tech-led, build for service in holistic manner approach to drive secured asset growth super-scale, customer-first bank ➢ Continue to cover ~100% of eligible portfolio ➢ Deposits to strengthen via lean/full branches ➢ Momentum in Credit on UPI & Secured under CGFMU scheme. & digital (DJDs & RDs) Credit Card Investor Presentation DIGITAL BANKING Lean channel, high growth Sachetized Credit Line On UPI – scaling Digital deposits with higher retention customers at marginal costs Digital Deposits Sanctioned Amount (in Cr.) Digital Book (in Rs. Cr) 3,322 1000 9.38 10.00 Billed Amount (in Cr.) 3,500 3,175 47% 50% 900 9.00 Scaled 2x from FY25–FY26 with strong retention Branch Banking 40% Customer Count (in Lakhs) 3,000 646 800 8.00 700 7.00 2,500 Digital as % of 20% 20% Lean, Low CAC, high-quality scalable engine Incremental Deposit Book 2,222 600 714 6.00 10% 5.35 2,000 500 5.00 1,500 400 4.00 Credit Line on UPI 2,530 -10% 1,000 Digital -20% 300 2.18 364 3.00 Deposit 1,100 -30% 200 2.00 Credit limit ₹60,000 with avg sanction ₹ 7,000 500 Commenced -40% 100 170 224 1.00 36 101 - -50% 0 - Jun-24 Jun-25 Jun-26 Dec-25 Mar-26 Jun-26 ~90% with CIBIL >725; low cost of acquisition Secured Credit Card → From Steady Growth Fueling MSMEs with instant branch-led Secured Credit Card to Stickiness credit service 75,000 Card Count 35.0% 250 Book Disbursement Launched FD-backed UPI credit card 32.4% 207 % of Digital FD Customers 65,000 30.0% with Secured Credit Card Leveraging existing base to deepen engagement 55,000 26.5% 48,900 166 25.0% 45,000 37,723 150 MSME 20.0% 35,000 22,403 15.0% 100 End-to-end digital underwriting for small ticket 25,000 58 62 59 10.0% MSME (<5 Lakhs). 15,000 7.8% 50 32 5,000 5.0% 1-min pre-approval for MSME loans - -5,000 Dec-25 Mar-26 Jun-26 0.0% Q1 FY26 Q4 FY26 Q1 FY27 Scalability at marginal cost is achieved through digital innovation & partnerships, with sachetized credit enabling higher proportion of quality customers. 6 PERFORMANCE HIGHLIGHTS – Q1 FY27 Collection Efficiency Gross Advances# Disbursements Asset Mix (one EMI adjusted) ₹ 14,376 Cr ₹ 2,954 Cr IF : RA – 44.4% : 55.6% 92.5% (+32.5% YoY) (+30.6% YoY) (48.0% : 52.0%) (86.4%) Deposits Retail# : Bulk Deposit CASA Ratio Cost of Funds ₹ 14,634 Cr 87.3% : 12.7% 21.0% 7.5% (+29.4% YoY) (81.6% : 18.4%) (17.7%) (7.9%) #Includes Retail Term Deposit & CASA NII CTI Ratio GNPA* / NNPA* Pre-POP ₹ 315.7 Cr 70.1% 6.5% / 1.2% ₹ 138.6 Cr (+27.8% YoY) (+72 Bps YoY) (8.5% / 5.6%) (+27.2 YoY) RoA / RoE Customers Branch Network Employee Count 1.6% / 14.5% 6.2 million # 718 # 8,259 (0.9% / 7.3%) (+77.1% YoY) (# 710) (# 8,633) #Includes IBPC Investor Presentation 7 *As of Jun’26, GNPA ₹931 Cr, NNPA ₹170 Cr, against which ₹134 Cr is receivable under CGFMU scheme Figures may not add up due to rounding off Figures in ( ) represents Q1 FY26 PERFORMANCE HIGHLIGHTS – Q1 FY27 Growth Continues in Vikas Loan Disbursement ₹14,376 Cr (+32.5% YoY) ADVANCES# Non-NPA book ₹13,445 Cr • Inclusive Finance disbursement: ₹1,383 Cr. in Q1 FY27 (+28.5% YoY) vs ~ ₹9,928 Cr in Q1 FY26 • Strong momentum in VL which is 75% of IF book. • VL Disbursement ₹1,040 Cr Q1 FY27; ₹327 Cr. in New To Bank VL with 53,000 customers • Growth in IF Book: ₹6,389 Cr (+23.5% YoY) Momentum & Scale Continues in CV & Mortgage Disbursements IF mix stands at 44% ASSET MIX • CV, Mortgage, and MHL disbursements → ₹681 Cr. (+32.3% YoY) (48% in Q1 FY26) • CV PAR is at 11.5% Continuous Improvement in Asset Quality • IF X-Bucket CE stands at 99.2% & new IF book CE after Nov’24 is at ~99.4% ASSET GNPA*/NNPA* : ₹931 Cr/ ₹170 Cr • ₹134 Cr rece [Showing first 8,000 characters — download PDF for full document]