ROA target of 1.2% in Q1 FY27, rising to 1.6% by Q4 FY27
Management expects ROA to improve from 1.1% in Q4 FY26 to 1.2% in Q1 FY27, aided by higher paying book and PSLC sales, and reach 1.6% by Q4.
SURYODAYSMALLFINANCEBANK / guidance tracker
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Suryoday Small Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
PAT target of ~₹300 crore for FY27 (2x FY26)
Management targets doubling PAT to around ₹300 crore in FY27, driven by lower credit costs and improved asset quality.
Credit cost guidance of ~1% for FY27
Credit cost expected to decline to ~1% in FY27 from elevated levels, supported by lower slippages and CGFMU claims.
Cost-to-income ratio target of 67-68% for FY27
Management targets cost-to-income below 70%, improving from 73% in FY26, driven by operating leverage and digital efficiencies.