Suryoday Small Finance Bank Ltd Share Price Target from 2025 to 2030

Suryoday Small Finance Bank Ltd is one of India’s prominent small finance banks, dedicated to providing financial inclusion for underserved communities. With a focus on microfinance, affordable housing loans, and small business lending, the bank has established a solid reputation in India’s financial services sector. In this article, we will analyze Suryoday Small Finance Bank’s share price targets from 2025 to 2030, supported by its fundamentals, current valuation, and shareholding pattern.

Suryoday Small Finance Bank Share Price Today (As of August 2025)

About Suryoday Small Finance Bank

Founded in 2008 and converted into a small finance bank in 2017, Suryoday SFB has a mission to serve the unbanked and underbanked segments of India. Its services range from micro-loans, affordable housing, vehicle loans, and SME lending to digital banking solutions.

Key Highlights:

• Strong focus on rural and semi-urban financial inclusion

• Expanding digital banking initiatives

• Diversified lending portfolio across microfinance and SMEs

• Solid book value of ₹181.12 per share

• Volatile stock performance with a wide trading range

Suryoday Small Finance Bank Shareholding Pattern (August 2025)

The high retail holding indicates strong participation by small investors, while promoter holding of 22.44% shows moderate insider confidence.

Suryoday Small Finance Bank Share Price Target 2025 to 2030

These projections are based on the bank’s earnings potential, market expansion, and sectoral growth in financial inclusion and small finance.

Year-Wise Analysis & Investment Advice

✅ Suryoday Bank Share Price Target 2025: ₹125 – ₹135

By 2025, the share price is expected to remain range-bound with limited upside.
Why?

• Volatility due to high retail participation

• Moderate credit growth

• Stable financial results

Investment Advice: Best suited for short-term traders with risk appetite.

✅ Suryoday Bank Share Price Target 2026: ₹145 – ₹160

The stock could see an upward trend in 2026 as loan disbursements increase.
Why?

• Expansion in affordable housing and SME lending

• Growing digital adoption

• Strong presence in rural lending markets

Investment Advice: Good opportunity for medium-term investors.

✅ Suryoday Bank Share Price Target 2027: ₹165 – ₹185

By 2027, growth in microfinance and retail banking could push valuations higher.
Why?

• Government initiatives supporting rural finance

• Rising customer base

• Improved net interest margin

Investment Advice: Suitable for staggered investment with long-term view.

✅ Suryoday Bank Share Price Target 2028: ₹185 – ₹210

In 2028, the bank may see stronger fundamentals and revenue growth.
Why?

• Better asset quality

• Diversification into digital banking

• Expansion in urban microfinance lending

Investment Advice: Attractive for SIP-based investors seeking gradual returns.

✅ Suryoday Bank Share Price Target 2029: ₹210 – ₹235

The bank’s consistent growth trajectory may help cross the ₹230 mark.
Why?

• Increasing profitability

• Higher financial inclusion penetration

• Strong book value support

Investment Advice: Hold for long-term wealth creation.

✅ Suryoday Bank Share Price Target 2030: ₹240 – ₹270

By 2030, Suryoday SFB could establish itself as a stronger player in small finance banking.
Why?

• Expanding customer base and financial products

• Supportive RBI and government policies

• Improved operational efficiency

Investment Advice: Excellent choice for long-term investors seeking exposure in small finance banking.

Should You Invest in Suryoday Small Finance Bank for the Long Term?

Yes, Suryoday SFB offers potential growth, but it also comes with higher volatility compared to larger banks. Its strong book value and growing presence in financial inclusion make it attractive for long-term investors with moderate risk tolerance.

Key Reasons to Invest:

• Expanding microfinance and SME lending market

• Strong digital banking initiatives

• Solid book value compared to current price

• Scope for growth in rural and semi-urban India

⚠️ Risks to Watch Out For:

• High retail shareholding leading to volatility

• Asset quality pressure in case of defaults

• Competition from larger private and public sector banks

Conclusion

Suryoday Small Finance Bank Ltd has shown resilience and focus on financial inclusion, making it a unique player in India’s banking space. With current levels around ₹123.67, analysts expect the stock to potentially reach ₹270 by 2030. For investors looking for exposure to small finance banks with high growth potential, Suryoday SFB can be considered a long-term opportunity.

Frequently Asked Questions (FAQs) about Suryoday Small Finance Bank Ltd

1. What is the current share price of Suryoday Small Finance Bank?
   As of August 2025, the share price is around ₹123.67.

2. What is Suryoday Bank’s share price target for 2025?
   The 2025 target is between ₹125 – ₹135.

3. What is the 2030 share price target for Suryoday Bank?
   By 2030, the projected price range is ₹240 – ₹270.

4. Is Suryoday Small Finance Bank a good stock to buy now?
   It is a good option for long-term investors, though short-term volatility may be high.

5. What is the all-time high price of Suryoday Small Finance Bank?
   The all-time high is ₹296.35.

6. What is the all-time low price of Suryoday Small Finance Bank?
   The all-time low is ₹77.00.

7. Who holds the majority stake in Suryoday Small Finance Bank?
   Retail investors hold the majority at 66.96%.

8. Does Suryoday Bank have FII participation?
   Yes, FIIs hold 4.68% in the company.

9. What is the book value per share of Suryoday Small Finance Bank?
   The book value per share stands at ₹181.12.

10. Is Suryoday Small Finance Bank a safe long-term investment?
    It carries moderate risk due to high volatility but offers strong growth potential in financial inclusion.