Elevated cost of deposits
Cost of funds has hardened and remains elevated, with increased competition for deposits among small finance banks, potentially pressuring NIMs.
SURYODAYSMALLFINANCEBANK / bear-case history
Track the concerns that keep returning.
Suryoday Small Finance · risk themes across the available quarters.
Research layer active
Bear-case history
Risks carried through the record.
medium
Impact of crude price hike on CV portfolio
A sustained increase in diesel prices beyond 10-15% could impact commercial vehicle borrowers, especially large fleet operators.
Farm loan waiver spillover risk
Farm loan waivers announced in some states could spill over to MFI loans, causing localized stress, though management sees limited impact so far.
Timing uncertainty of CGFMU claims
Management has not yet submitted claims for FY27; delays in claim processing could delay balance sheet cleanup and GNPA reduction.