Elevated cost of deposits
Cost of funds has hardened and remains elevated, with increased competition for deposits among small finance banks, potentially pressuring NIMs.
medium · analyst_questionSuryoday Small Finance Bank Ltd — Q4 FY26
Suryoday Small Finance Bank reported a strong Q4 FY26 with PAT of ₹152 crore (up 32% YoY) and revenue of ₹1,458 crore (up 10.2% YoY).
bullish
high
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
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.
medium · management_commentaryFarm 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.
low · analyst_questionTiming uncertainty of CGFMU claims
Management has not yet submitted claims for FY27; delays in claim processing could delay balance sheet cleanup and GNPA reduction.
low · data_observation