Suryoday Small Finance Bank Share Price Target 2027, 2028 and 2030: Long Term Analyst Forecast
- August 11, 2026
- Posted by: Kunal Singla
- Category: News
CMP Rs 161.32. Target 2027: Rs 210 (+11%). Target 2028: Rs 240 (+27%). Target 2030: Rs 320 (+69%).
Suryoday Small Finance Bank at Rs 161.32 is a banking and financial services company whose share price target of Rs 210 for 2027 represents approximately 11 percent upside from the current market price. The Suryoday Small Finance Bank share price target rises to Rs 240 by 2028 and Rs 320 by 2030, implying a 4-year upside of approximately 69 percent from August 2026 levels. Valued at roughly 9x FY26 EPS (₹20.3), with earnings expected to compound near 15% annually before slowing to approximately12%..
The targets are derived from the analyst consensus and forward earnings model based on FY26 financials. This article covers the Suryoday Small Finance Bank share price target 2027, 2028, and 2030 as of August 2026 to help investors evaluate the long-term investment case.
Click Here – Get Free Investment Predictions
Suryoday Small Finance Bank Company Overview
| Metric | Details |
|---|---|
| NSE Ticker | SURYODAY |
| Sector | Banking and Financial Services |
| CMP (10 Aug 2026) | Rs 161.32 |
| Market Cap | Rs 1959 Cr |
| Suryoday Small Finance Bank Share Price Target 2027 | Rs 210 (+11%) |
| Suryoday Small Finance Bank Share Price Target 2028 | Rs 240 (+27%) |
| Suryoday Small Finance Bank Share Price Target 2030 | Rs 320 (+69%) |
| Bull Case 2030 | Rs 410 |
| Bear Case 2030 | Rs 240 |
What most investors miss: Low promoter holding (22.5%) typical of bank post-IPO dilution norms; revenue Rs2,160 Cr vs profit only Rs152 Cr indicating thin NIM/high cost base
Valued at roughly 9x FY26 EPS (₹20. 3), with earnings expected to compound near 15% annually before slowing to approximately12%. The share price target of Rs 210 for 2027 and Rs 320 for 2030 reflect this earnings trajectory.
Why Is the Suryoday Small Finance Bank Share Price Target Set at Rs 210 for 2027
Credit Quality and NPA Improvement Trajectory
This is the primary driver of the Suryoday Small Finance Bank share price target for 2027 and 2030. Valued at roughly 9x FY26 EPS (₹20.3), with earnings expected to compound near 15% annually before slowing to approximately12%.. Investors tracking this metric quarterly will have the earliest signal of whether the Suryoday Small Finance Bank share price target timeline is on track.
CASA Ratio Strength and Cost of Funds Advantage
The Suryoday Small Finance Bank share price target of Rs 210 for 2027, rising to Rs 320 by 2030, assumes this factor remains intact and compounds through the forecast period. Any deterioration in this dimension would be the earliest warning for the Suryoday Small Finance Bank share price target thesis.
Net Interest Margin Expansion Through FY27 to FY30
This structural factor underpins the long-term Suryoday Small Finance Bank share price target of Rs 320 by 2030 beyond the near-term 2027 milestone. Its persistence through economic cycles is what differentiates this investment from a purely cyclical trading position.
Retail Loan Book Growth in Secured Segments
For the Suryoday Small Finance Bank share price target to materialise, this factor must continue to hold and improve through FY27 to FY31. It provides the margin of safety for the Rs 240 target in 2028 when earnings quality is most clearly visible.
Digital Banking Revenue and Fee Income Diversification
India’s long-term economic growth trajectory creates a secular tailwind for Suryoday Small Finance Bank’s business that amplifies the company-specific earnings compounding embedded in the Suryoday Small Finance Bank share price target 2030 of Rs 320 (+69% from CMP Rs 161.32).
Suryoday Small Finance Bank Share Price Targets 2027, 2028 and 2030
Suryoday Small Finance Bank Share Price Target 2027: Rs 210
The Suryoday Small Finance Bank share price target 2027 is Rs 210, representing approximately 11 percent upside from CMP Rs 161.32. Valued at roughly 9x FY26 EPS (₹20.3), with earnings expected to compound near 15% annually before slowing to approximately12%.. The primary catalyst for achieving the 2027 target is consistent quarterly earnings delivery that validates the analyst model underpinning the Suryoday Small Finance Bank share price target.
Suryoday Small Finance Bank Share Price Target 2028: Rs 240
The Suryoday Small Finance Bank share price target 2028 is Rs 240, implying approximately 27 percent upside from CMP. By FY29, Suryoday Small Finance Bank should have demonstrated through a complete earnings cycle that the forward growth assumptions are sustainable. This two-year validation of the Suryoday Small Finance Bank share price target thesis typically triggers institutional re-rating toward the Rs 240 level.
Suryoday Small Finance Bank Share Price Target 2030: Rs 320
The Suryoday Small Finance Bank share price target 2030 is Rs 320, implying approximately 69 percent upside from CMP and a 4-year CAGR of approximately 19 percent. By FY31, Suryoday Small Finance Bank should be operating as a mature business with a track record of consistent compounding, justifying the target multiple. Always verify data at NSE and BSE before acting on analyst price targets.
Bull Case and Bear Case for Suryoday Small Finance Bank Share Price Target 2030
Bull Case: Rs 410
The bull case Suryoday Small Finance Bank share price target of Rs 410 by 2030 requires earnings growth to exceed the base case projection and the market to re-rate the stock to a higher-than-consensus multiple. Favourable macro conditions, new product or geographic expansion wins, and sustained margin improvement would drive this upside scenario.
Bear Case: Rs 240
The bear case Suryoday Small Finance Bank share price target of Rs 240 by 2030 applies if earnings growth disappoints relative to analyst expectations, competitive pressure intensifies, or a macro slowdown compresses the sector multiple. Even in this scenario, the downside reflects a more conservative earnings assumption rather than a fundamental business failure.
| Scenario | Target 2030 | Return |
|---|---|---|
| Bull Case | Rs 410 | +154% |
| Base Case | Rs 320 | +69% |
| Bear Case | Rs 240 | +49% |
Key Risks to the Suryoday Small Finance Bank Share Price Target
Credit Cycle Risk and NPA Deterioration
Any economic slowdown elevating credit costs would reduce Suryoday Small Finance Bank’s earnings trajectory and the Suryoday Small Finance Bank share price target.
Interest Rate Sensitivity on NIM
Changes in RBI policy rates affect Suryoday Small Finance Bank’s net interest margin and the Suryoday Small Finance Bank share price target earnings base.
Competition From Larger Private Banks
Larger private banks aggressively expanding into Suryoday Small Finance Bank’s core markets could reduce loan book growth and market share.
Regulatory and Governance Requirements
RBI guidelines on capital adequacy and provisioning directly affect the Suryoday Small Finance Bank share price target earnings quality.
How to Invest in Suryoday Small Finance Bank
Use the Univest Screener to track Suryoday Small Finance Bank’s quarterly earnings, key sector-specific metrics, and analyst upgrades in real time. To purchase shares, open a demat account with any SEBI-registered broker and search for NSE ticker SURYODAY. Review the quarterly earnings data and the risk factors outlined in this article before committing capital. Build positions gradually and align the holding period to the Suryoday Small Finance Bank share price target 2030 timeline of approximately 4 years. Consult a SEBI-registered financial advisor before investing.
Use the Univest Screener to Track This Stock Live
Conclusion
The Suryoday Small Finance Bank share price target of Rs 210 for 2027, Rs 240 for 2028, and Rs 320 for 2030 reflects analyst consensus earnings compounding in the banking and financial services sector. The 4-year upside of approximately 69 percent from CMP Rs 161.32 assumes the business delivers on the growth drivers outlined above and maintains the valuation multiple consistent with sector peers. Always verify financial data at NSE India and BSE before making any investment decision.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Download the Univest iOS App or Univest Android App to track Suryoday Small Finance Bank share price live and get daily stock recommendations.
Frequently Asked Questions on Suryoday Small Finance Bank Share Price Target 2027 2028 and 2030
What is the Suryoday Small Finance Bank share price target for 2027?
Ans. The Suryoday Small Finance Bank share price target for 2027 is Rs 210, representing approximately 11 percent upside from CMP Rs 161.32 as of August 2026. Please verify all data at NSE India before investing.
What is the Suryoday Small Finance Bank share price target for 2030?
Ans. The Suryoday Small Finance Bank share price target for 2030 is Rs 320, implying approximately 69 percent upside from CMP Rs 161.32. This reflects the analyst consensus extrapolated at the projected growth rate. These are estimates, not guaranteed returns.
What is the Suryoday Small Finance Bank share price target for 2028?
Ans. The Suryoday Small Finance Bank share price target for 2028 is Rs 240, implying approximately 27 percent upside from CMP. By 2028, two full years of earnings delivery should validate the analyst model and support a re-rating toward this level.
Is Suryoday Small Finance Bank a good long-term investment?
Ans. Suryoday Small Finance Bank has a defined analyst projection for earnings compounding through FY31 in the banking and financial services sector. Whether it suits your portfolio depends on your risk appetite, investment horizon, and sector allocation. Consult a SEBI-registered financial advisor before investing.
What are the key risks to the Suryoday Small Finance Bank share price target?
Ans. Key risks include sector-specific headwinds such as credit cycle risk and npa deterioration, interest rate sensitivity on nim, and broader macro slowdowns. Please review the full risks section in this article before investing.
What is the bull case for Suryoday Small Finance Bank share price by 2030?
Ans. The bull case Suryoday Small Finance Bank share price target for 2030 is Rs 410, requiring earnings growth above the base case and a higher PE multiple. This scenario needs favourable execution and sector conditions. These are analyst projections, not guaranteed returns.
What is Suryoday Small Finance Bank’s current market cap?
Ans. Suryoday Small Finance Bank has a market cap of approximately Rs 1959 crore as of August 2026 based on the data available. Verify the current market cap at NSE India or BSE before making investment decisions.
How can I invest in Suryoday Small Finance Bank?
Ans. You can buy Suryoday Small Finance Bank shares through any SEBI-registered broker by searching for NSE ticker SURYODAY. Review the fundamentals and risk factors before investing, and consult a SEBI-registered financial advisor for personalised guidance.
