Press Release

October 29, 2026 Ref.: SSFB/CS/67/2026-27 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, 978308 Dear Sir/Madam, Sub: Press Release on the Unaudited Financial Results of Suryoday Small Finance Bank Limited (the "Bank") for the Quarter (Q-2) and Half year ended on September 30, 2026 - Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Ref: Bank’s letter No. SSFB/CS/66/2026-27 dated October 29, 2026, intimating the Outcome of meeting of the Board of Directors (the “Board”) of the Bank held on October 29, 2026 - Approval of the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended on September 30, 2026, and other matters In continuation to the above mentioned intimation dated October 29, 2026, pertaining to Outcome of the Board Meeting, please find attached herewith the Press Release on Unaudited Financial Results of Suryoday Small Finance Bank Limited (the "Bank") for the Quarter (Q-2) and Half year ended on September 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 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 Geeta Krishnan Interim 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 Suryoday Small Finance Bank Limited Q2 & H1FY27 H1FY27 Highlights Gross Advances Portfolio of Rs. 14,972 Cr, up 34.6% Year-on-year Pre-provision Operating Profit of Rs 284.1 Cr, up 51.0% Year-on-year Profit After Tax of Rs 151.7 Cr, up 131.0% Year-on-year ROA of 1.5%, ROE of 14.2% GNPA of 2.9%*, NNPA of 1.5%* *Calculated on gross advances incl IBPC Navi Mumbai, 29th October 2026: Suryoday Small Finance Bank Limited has announced its unaudited financial results for the quarter and half year ended 30th September 2026. Business Highlights: Q2 FY27 • Gross Advances stood at Rs. 14,972 Cr as on Sep’26 as compared to Rs. 11,124 Cr as on Sep’25, an increase of 34.6% year-on-year • Disbursements stood at Rs. 3,096 Cr in Q2 FY27 as compared to Rs. 2,430 Cr in Q2 FY26, increase of 27.4% year-on-year o The Vikas Loan disbursement showed an increase of 17.8% year-on-year • Deposits stood at Rs. 16,184 Cr as on Sep’26 as compared to Rs. 11,991 Cr as on Sep’25, an increase of 35.0% year-on-year • IF Current bucket Collection Efficiency stood at 99.3% • Collection Efficiency (1 EMI adjusted) stood at 93.6% in Q2 FY27 as compared to 85.3% in Q2 FY26 Financial Highlights: Q2 FY27 • Net total income increased by 46.5% year-on-year from Rs. 338.1 Cr to Rs. 495.3 Cr • Net interest income (NII) increased by 42.8% year-on-year from Rs 258.2 Cr to Rs 368.8 Cr • Pre-provision operating profit (PPOP) increased by 83.8% year-on-year from Rs. 79.1 Cr to Rs. 145.5 • Cost of Funds stood at 7.4% in Q2 FY27 as compared to 7.7% in Q2 FY26 • Cost to income stood at 70.6% in Q2 FY27 as compared to 76.6% in Q2 FY26 • Profit After Tax (PAT) increased from Rs. 30.4 Cr in Q2 FY26 to Rs. 76.5 Cr in Q2 FY27 Business Highlights: H1 FY27 • Gross Advances stood at Rs. 14,972 Cr as on Sep’26 as compared to Rs. 11,124 Cr as on Sep’25, an increase of 34.6% year-on-year • Disbursements stood at Rs. 6,050 Cr in H1 FY27 as compared to Rs. 4,691 Cr in H1 FY26, increase of 29.0% year-on-year o The Vikas Loan disbursement showed an increase of 18.9% year-on-year • Deposits stood at Rs. 16,184 Cr as on Sep’26 as compared to Rs. 11,991 Cr as on Sep’25, an increase of 35.0% year-on-year • Share of retail deposits stood at 84.5% in Sept’26, as compared to 86.0% in Sept’25 • CASA ratio stood at 19.4% as on Sept’26, compared to 20.7% in Sept’25 • Collection Efficiency (1 EMI adjusted) stood at 91.9% in H1 FY27 as compared to 85.6% in H1 FY26 • Current bucket Collection Efficiency stood at 99.1% in H1 FY27 as compared to 98.5% in H1 FY26 • The Bank has ~7 million customers as on Sept’26, as compared to ~3.6 million customers in Sept’25, an increase of 92.0% Financial Highlights: H1 FY27 • Net total income increased by 38.2% year-on-year from Rs. 693.8 Cr to Rs. 958.9 Cr • Net interest income (NII) increased by 35.5% year-on-year from Rs 505.4 Cr to Rs 684.5 Cr • Pre-provision operating profit (PPOP) increased by 51.0% year-on-year from Rs. 188.1 Cr to Rs. 284.1 • Cost of Funds stood at 7.4% in H1 FY27 as compared to 7.8% in H1 FY26 • Cost to income stood at 70.4% in H1 FY27 as compared to 72.9% in H1 FY26 • Profit After Tax (PAT) increased from Rs. 65.7 Cr in H1 FY26 to Rs. 151.7 Cr in H1 FY27 • Gross NPA*stood at 2.9% as on Sept’26, compared to 5.9% in Sept’25 • Net NPA* stood at 1.5% as on Sept’26, compared to 3.8% in Sept’25 • The Bank has a healthy capital position with a CRAR at 19.4% comprising Tier I capital of 18.7% and Tier II capital of 0.7% *Calculated on gross advances incl IBPC Key Metrics: Q2 & H1FY27 Particulars Unit Q2 FY27 Q2 FY26 Y-o-Y Q1 FY27 Q-o-Q H1 FY27 H1 FY26 Y-o-Y Gross Advances* Rs. Cr. 14,972 11,124 34.6% 14,376 4.2% 14,972 11,124 34.6% Disbursement^ Rs. Cr. 3,096 2,430 27.4% 2,954 4.8% 6,050 4,691 29.0% Deposits Rs. Cr. 16,184 11,991 35.0% 14,634 10.6% 16,184 11,991 35.0% Retail Deposit to Total % 84.5% 86.0% -153 bps 87.3% -284 bps 84.5% 86.0% -153 bps Deposit CASA Ratio % 19.4% 20.7% -125 bps 21.0% -158 bps 19.4% 20.7% -125 bps Yield % 16.8% 16.4% 46 bps 16.2% 65 bps 16.6% 16.5% 5 bps NIM % 7.2% 6.9% 28 bps 7.2% 2 bps 7.2% 7.1% 10 bps Cost of Deposits % 7.3% 7.7% -36 bps 7.4% -5 bps 7.4% 7.8% -43 bps Cost of Borrowings % 7.7% 7.7% 5 bps 7.8% -5 bps 7.8% 7.9% -12 bps Cost of Funds % 7.4% 7.7% -29 bps 7.5% -6 bps 7.4% 7.8% -37 bps Cost to income % 70.6% 76.6% -596 bps 70.1% 51 bps 70.4% 72.9% -252 bps GNPA Ratio** % 2.9% 5.9% -296 bps 6.5% -355 bps 2.9% 5.9% -296 bps NNPA Ratio** % 1.5% 3.8% -225 bps 1.2% 28 bps 1.5% 3.8% -225 bps PCR (Excluding -3301 % 48.8% 37.3% 1147 bps 81.8% 48.8% 37.3% 1147 bps Technical Write offs) bps Book Value Per Share Rs. 208.6 187.4 11.3% 202.8 2.9% 208.6 187.4 11.3% (BVPS) *Includes IBPC; **As of Sept’26, GNPA Rs.438 Cr, NNPA Rs.224 Cr, against which Rs.181 Cr is receivable under CGFMU scheme. ^Excluding SCF, disbursements for Q2FY27 is ₹ 2,625 Cr. vs ₹ 2,053 Cr. in Q2FY26; Excluding SCF, disbursements for H1FY27 is ₹ 5,177 Cr. vs ₹ 3,973 Cr. in H1FY26 Commenting on the performance, Mr. Baskar Babu Ramachandran, MD & CEO, Suryoday Small Finance Bank, said: “During the second quarter, we continued to deliver healthy business growth, supported by sustained momentum in advances, disbursements and deposits. Gross Advances stood at Rs. 14,972 Cr as of September 2026, registering year-on-year growth of 34.6%, while disbursements during the quarter grew by 27.4% Year-on-year to Rs. 3,096 Cr. Total Deposits increased by 35.0% Year-on-year to Rs. 16,184 Cr, supported by continued growth in the Bank’s retail deposit franchise. CASA grew by 26.8% Year-on-year to Rs. 3,142 Cr, reflecting continued efforts to strengthen the Bank’s granular liability franchise. We continue to focus on our Vikas Loan portfolio in the Inclusive Finance segment while expanding our secured lending businesses across Mortgages, Wheels and MSME. [Showing first 8,000 characters — download PDF for full document]