{"id":197087,"date":"2026-08-11T15:23:32","date_gmt":"2026-08-11T09:53:32","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=197087"},"modified":"2026-08-11T15:23:33","modified_gmt":"2026-08-11T09:53:33","slug":"suryoday-small-finance-bank-share-price-target-2027-2028-2030","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/","title":{"rendered":"Suryoday Small Finance Bank Share Price Target 2027, 2028 and 2030: Long Term Analyst Forecast"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>CMP Rs 161.32. Target 2027: Rs 210 (+11%). Target 2028: Rs 240 (+27%). Target 2030: Rs 320 (+69%).<\/em><\/p>\n<p>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 (\u20b920.3), with earnings expected to compound near 15% annually before slowing to approximately12%..<\/p>\n<p>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.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=suryoday-small-finance-bank-tgt\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Suryoday_Small_Finance_Bank_Company_Overview\" title=\"Suryoday Small Finance Bank Company Overview\">Suryoday Small Finance Bank Company Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Why_Is_the_Suryoday_Small_Finance_Bank_Share_Price_Target_Set_at_Rs_210_for_2027\" title=\"Why Is the Suryoday Small Finance Bank Share Price Target Set at Rs 210 for 2027\">Why Is the Suryoday Small Finance Bank Share Price Target Set at Rs 210 for 2027<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Credit_Quality_and_NPA_Improvement_Trajectory\" title=\"Credit Quality and NPA Improvement Trajectory\">Credit Quality and NPA Improvement Trajectory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#CASA_Ratio_Strength_and_Cost_of_Funds_Advantage\" title=\"CASA Ratio Strength and Cost of Funds Advantage\">CASA Ratio Strength and Cost of Funds Advantage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Net_Interest_Margin_Expansion_Through_FY27_to_FY30\" title=\"Net Interest Margin Expansion Through FY27 to FY30\">Net Interest Margin Expansion Through FY27 to FY30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Retail_Loan_Book_Growth_in_Secured_Segments\" title=\"Retail Loan Book Growth in Secured Segments\">Retail Loan Book Growth in Secured Segments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Digital_Banking_Revenue_and_Fee_Income_Diversification\" title=\"Digital Banking Revenue and Fee Income Diversification\">Digital Banking Revenue and Fee Income Diversification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Suryoday_Small_Finance_Bank_Share_Price_Targets_2027_2028_and_2030\" title=\"Suryoday Small Finance Bank Share Price Targets 2027, 2028 and 2030\">Suryoday Small Finance Bank Share Price Targets 2027, 2028 and 2030<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Suryoday_Small_Finance_Bank_Share_Price_Target_2027_Rs_210\" title=\"Suryoday Small Finance Bank Share Price Target 2027: Rs 210\">Suryoday Small Finance Bank Share Price Target 2027: Rs 210<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Suryoday_Small_Finance_Bank_Share_Price_Target_2028_Rs_240\" title=\"Suryoday Small Finance Bank Share Price Target 2028: Rs 240\">Suryoday Small Finance Bank Share Price Target 2028: Rs 240<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Suryoday_Small_Finance_Bank_Share_Price_Target_2030_Rs_320\" title=\"Suryoday Small Finance Bank Share Price Target 2030: Rs 320\">Suryoday Small Finance Bank Share Price Target 2030: Rs 320<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Bull_Case_and_Bear_Case_for_Suryoday_Small_Finance_Bank_Share_Price_Target_2030\" title=\"Bull Case and Bear Case for Suryoday Small Finance Bank Share Price Target 2030\">Bull Case and Bear Case for Suryoday Small Finance Bank Share Price Target 2030<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Bull_Case_Rs_410\" title=\"Bull Case: Rs 410\">Bull Case: Rs 410<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Bear_Case_Rs_240\" title=\"Bear Case: Rs 240\">Bear Case: Rs 240<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Key_Risks_to_the_Suryoday_Small_Finance_Bank_Share_Price_Target\" title=\"Key Risks to the Suryoday Small Finance Bank Share Price Target\">Key Risks to the Suryoday Small Finance Bank Share Price Target<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Credit_Cycle_Risk_and_NPA_Deterioration\" title=\"Credit Cycle Risk and NPA Deterioration\">Credit Cycle Risk and NPA Deterioration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Interest_Rate_Sensitivity_on_NIM\" title=\"Interest Rate Sensitivity on NIM\">Interest Rate Sensitivity on NIM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Competition_From_Larger_Private_Banks\" title=\"Competition From Larger Private Banks\">Competition From Larger Private Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Regulatory_and_Governance_Requirements\" title=\"Regulatory and Governance Requirements\">Regulatory and Governance Requirements<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#How_to_Invest_in_Suryoday_Small_Finance_Bank\" title=\"How to Invest in Suryoday Small Finance Bank\">How to Invest in Suryoday Small Finance Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Frequently_Asked_Questions_on_Suryoday_Small_Finance_Bank_Share_Price_Target_2027_2028_and_2030\" title=\"Frequently Asked Questions on Suryoday Small Finance Bank Share Price Target 2027 2028 and 2030\">Frequently Asked Questions on Suryoday Small Finance Bank Share Price Target 2027 2028 and 2030<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2027\" title=\"What is the Suryoday Small Finance Bank share price target for 2027?\">What is the Suryoday Small Finance Bank share price target for 2027?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2030\" title=\"What is the Suryoday Small Finance Bank share price target for 2030?\">What is the Suryoday Small Finance Bank share price target for 2030?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2028\" title=\"What is the Suryoday Small Finance Bank share price target for 2028?\">What is the Suryoday Small Finance Bank share price target for 2028?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#Is_Suryoday_Small_Finance_Bank_a_good_long-term_investment\" title=\"Is Suryoday Small Finance Bank a good long-term investment?\">Is Suryoday Small Finance Bank a good long-term investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_are_the_key_risks_to_the_Suryoday_Small_Finance_Bank_share_price_target\" title=\"What are the key risks to the Suryoday Small Finance Bank share price target?\">What are the key risks to the Suryoday Small Finance Bank share price target?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_is_the_bull_case_for_Suryoday_Small_Finance_Bank_share_price_by_2030\" title=\"What is the bull case for Suryoday Small Finance Bank share price by 2030?\">What is the bull case for Suryoday Small Finance Bank share price by 2030?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#What_is_Suryoday_Small_Finance_Banks_current_market_cap\" title=\"What is Suryoday Small Finance Bank&#8217;s current market cap?\">What is Suryoday Small Finance Bank&#8217;s current market cap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-share-price-target-2027-2028-2030\/#How_can_I_invest_in_Suryoday_Small_Finance_Bank\" title=\"How can I invest in Suryoday Small Finance Bank?\">How can I invest in Suryoday Small Finance Bank?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_Company_Overview\"><\/span><strong>Suryoday Small Finance Bank Company Overview<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"border-collapse: collapse; width: 100%; margin: 16px 0;\">\n<tbody>\n<tr style=\"background: #1F4E79; color: #fff;\">\n<th style=\"padding: 8px 12px; text-align: left; border: 1px solid #ddd;\">Metric<\/th>\n<th style=\"padding: 8px 12px; text-align: left; border: 1px solid #ddd;\">Details<\/th>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">NSE Ticker<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\"><a href=\"https:\/\/univest.in\/user\/stocks\/suryoday\/suryoday-small-finance-bank-ltd-share-price-today\">SURYODAY<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Sector<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Banking and Financial Services<\/td>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">CMP (10 Aug 2026)<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 161.32<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Market Cap<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 1959 Cr<\/td>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Suryoday Small Finance Bank Share Price Target 2027<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 210 (+11%)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Suryoday Small Finance Bank Share Price Target 2028<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 240 (+27%)<\/td>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Suryoday Small Finance Bank Share Price Target 2030<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 320 (+69%)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Bull Case 2030<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 410<\/td>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Bear Case 2030<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 240<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"border-left: 4px solid #e67e22; background: #FEF9F0; padding: 10px 16px;\"><strong>What most investors miss:<\/strong> 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<\/p>\n<p>Valued at roughly 9x FY26 EPS (\u20b920. 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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_the_Suryoday_Small_Finance_Bank_Share_Price_Target_Set_at_Rs_210_for_2027\"><\/span><strong>Why Is the Suryoday Small Finance Bank Share Price Target Set at Rs 210 for 2027<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Quality_and_NPA_Improvement_Trajectory\"><\/span><strong>Credit Quality and NPA Improvement Trajectory<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is the primary driver of the Suryoday Small Finance Bank share price target for 2027 and 2030. Valued at roughly 9x FY26 EPS (\u20b920.3), 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"CASA_Ratio_Strength_and_Cost_of_Funds_Advantage\"><\/span><strong>CASA Ratio Strength and Cost of Funds Advantage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Net_Interest_Margin_Expansion_Through_FY27_to_FY30\"><\/span><strong>Net Interest Margin Expansion Through FY27 to FY30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Retail_Loan_Book_Growth_in_Secured_Segments\"><\/span><strong>Retail Loan Book Growth in Secured Segments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Digital_Banking_Revenue_and_Fee_Income_Diversification\"><\/span><strong>Digital Banking Revenue and Fee Income Diversification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>India&#8217;s long-term economic growth trajectory creates a secular tailwind for Suryoday Small Finance Bank&#8217;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).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_Share_Price_Targets_2027_2028_and_2030\"><\/span><strong>Suryoday Small Finance Bank Share Price Targets 2027, 2028 and 2030<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_Share_Price_Target_2027_Rs_210\"><\/span><strong>Suryoday Small Finance Bank Share Price Target 2027: Rs 210<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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 (\u20b920.3), 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_Share_Price_Target_2028_Rs_240\"><\/span><strong>Suryoday Small Finance Bank Share Price Target 2028: Rs 240<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_Share_Price_Target_2030_Rs_320\"><\/span><strong>Suryoday Small Finance Bank Share Price Target 2030: Rs 320<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bull_Case_and_Bear_Case_for_Suryoday_Small_Finance_Bank_Share_Price_Target_2030\"><\/span><strong>Bull Case and Bear Case for Suryoday Small Finance Bank Share Price Target 2030<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Bull_Case_Rs_410\"><\/span><strong>Bull Case: Rs 410<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bear_Case_Rs_240\"><\/span><strong>Bear Case: Rs 240<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<table style=\"border-collapse: collapse; width: 100%; margin: 16px 0;\">\n<tbody>\n<tr style=\"background: #1F4E79; color: #fff;\">\n<th style=\"padding: 8px 12px; border: 1px solid #ddd;\">Scenario<\/th>\n<th style=\"padding: 8px 12px; border: 1px solid #ddd;\">Target 2030<\/th>\n<th style=\"padding: 8px 12px; border: 1px solid #ddd;\">Return<\/th>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Bull Case<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 410<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">+154%<\/td>\n<\/tr>\n<tr style=\"background: #f5f5f5;\">\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Base Case<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 320<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">+69%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Bear Case<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">Rs 240<\/td>\n<td style=\"padding: 8px 12px; border: 1px solid #ddd;\">+49%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_the_Suryoday_Small_Finance_Bank_Share_Price_Target\"><\/span><strong>Key Risks to the Suryoday Small Finance Bank Share Price Target<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Cycle_Risk_and_NPA_Deterioration\"><\/span><strong>Credit Cycle Risk and NPA Deterioration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Any economic slowdown elevating credit costs would reduce Suryoday Small Finance Bank&#8217;s earnings trajectory and the Suryoday Small Finance Bank share price target.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interest_Rate_Sensitivity_on_NIM\"><\/span><strong>Interest Rate Sensitivity on NIM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Changes in RBI policy rates affect Suryoday Small Finance Bank&#8217;s net interest margin and the Suryoday Small Finance Bank share price target earnings base.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Competition_From_Larger_Private_Banks\"><\/span><strong>Competition From Larger Private Banks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Larger private banks aggressively expanding into Suryoday Small Finance Bank&#8217;s core markets could reduce loan book growth and market share.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Regulatory_and_Governance_Requirements\"><\/span><strong>Regulatory and Governance Requirements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RBI guidelines on capital adequacy and provisioning directly affect the Suryoday Small Finance Bank share price target earnings quality.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Invest_in_Suryoday_Small_Finance_Bank\"><\/span><strong>How to Invest in Suryoday Small Finance Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Use the Univest Screener to track Suryoday Small Finance Bank&#8217;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.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Use the Univest Screener to Track This Stock Live<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> 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).<\/p>\n<\/div>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Suryoday Small Finance Bank share price live and get daily stock recommendations.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Suryoday_Small_Finance_Bank_Share_Price_Target_2027_2028_and_2030\"><\/span><strong>Frequently Asked Questions on Suryoday Small Finance Bank Share Price Target 2027 2028 and 2030<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2027\"><\/span><strong>What is the Suryoday Small Finance Bank share price target for 2027?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2030\"><\/span><strong>What is the Suryoday Small Finance Bank share price target for 2030?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Suryoday_Small_Finance_Bank_share_price_target_for_2028\"><\/span><strong>What is the Suryoday Small Finance Bank share price target for 2028?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Suryoday_Small_Finance_Bank_a_good_long-term_investment\"><\/span><strong>Is Suryoday Small Finance Bank a good long-term investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_key_risks_to_the_Suryoday_Small_Finance_Bank_share_price_target\"><\/span><strong>What are the key risks to the Suryoday Small Finance Bank share price target?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_bull_case_for_Suryoday_Small_Finance_Bank_share_price_by_2030\"><\/span><strong>What is the bull case for Suryoday Small Finance Bank share price by 2030?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Suryoday_Small_Finance_Banks_current_market_cap\"><\/span><strong>What is Suryoday Small Finance Bank&#8217;s current market cap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_Suryoday_Small_Finance_Bank\"><\/span><strong>How can I invest in Suryoday Small Finance Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Suryoday Small Finance Bank share price target 2027 is Rs 210 (+11%), 2028 is Rs 240 (+27%), and 2030 is Rs 320 (+69%). Banking and Financial Services stock lon<\/p>\n","protected":false},"author":35,"featured_media":197086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802],"class_list":["post-197087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["197086"],"_edit_lock":["1786442016:29"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["76"],"rank_math_title":["Suryoday Small Finance Bank Share Price Target 2027 2028 and 2030"],"rank_math_description":["Suryoday Small Finance Bank share price target 2027 is Rs 210 (+11%), 2028 is Rs 240 (+27%), and 2030 is Rs 320 (+69%). 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