• Event Type: Q1 FY27 Earnings Conference Call discussing unaudited financial results for the quarter ended June 30, 2026.

• Date and Time: The conference call was held on July 24, 2026. Specific time and time zone were not disclosed in the submission.

• Purpose: Discussion of the bank's Q1 FY27 unaudited financial results and business performance.

• Timing Relative to Earnings: The call was held after the earnings announcement, as referenced by previous letters dated July 15, 2026 (intimation of conference call) and July 24, 2026 (disclosure of audio recording).

• Management Participants:

  • Mr. Baskar Babu Ramachandran - Managing Director and Chief Executive Officer
  • Mr. Kanishka Chaudhary - Chief Financial Officer
  • Mr. Senthil Kumar - Chief Business Officer, Inclusive Finance and Wheels
  • Mr. Sasidhar Vavilala - Executive Vice President, Business Intelligence and Analytics
  • Mr. Himadri Das - Head Investor Relations

• Availability of Materials: The transcript of the conference call has been made available on the bank's website at https://suryoday.bank.in/assets/pdf/suryoday-sfb-q1FY27-conference-call-transcript.pdf and will also be available at https://suryoday.bank.in/investor-corner/#disclosure-to-stock-exchanges.

• UPSI Statement: The document does not explicitly state whether unpublished price sensitive information (UPSI) was or will be shared.

• Financial Period Discussed: Q1 FY27 (quarter ended June 30, 2026)

• Key Financial Highlights from Transcript:

  • Gross advances: INR 14,376 crores (32.5% YoY growth)
  • Deposit base: INR 14,634 crores (29.4% YoY growth)
  • Retail deposits share: 87.3%
  • CASA ratio: 21%
  • GNPA: 6.5% (INR 931 crores)
  • NNPA: 1.2% (INR 170 crores)
  • Adjusted GNPA (after CGFMU receivable): 2.9%
  • Adjusted NNPA (after CGFMU receivable): 0.3%
  • CGFMU claims received: INR 386 crores
  • Digital deposits: INR 2,222 crores
  • Credit on UPI customers: 9 lakhs
  • Digital MSME loan disbursements: INR 59 crores
  • Credit cost: 0.8% for Q1
  • Cost of funds: Reduced by 0.08% QoQ, expected to remain around 7.5% for rest of year
  • ROA guidance: 1.3-1.4% for FY27
  • Credit cost guidance: 0.8-1.0% for FY27

• Strategic Themes Discussed:

  • Transition from JLG model to individual loans (Vikas Loan)
  • Focus on calibrated growth in secured lending segments (commercial vehicles and mortgages)
  • Building granular deposit franchise with retail focus
  • Digital as key strategic pillar with investments in technology infrastructure
  • Strengthening collection efficiency and asset quality
  • Branch expansion plans (approximately 50 branches in current and next quarter)

Additional Notes Section

• Attachments: The transcript was attached as an annexure to the regulatory submission.

• Financial Data Disclosure: The announcement itself did not contain financial data, but the referenced transcript contained extensive financial information and performance metrics.

• Regulatory Compliance: The submission was made pursuant to Regulation 30 read with Clause 15 of Paragraph A in Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.