| Quarterly Financials | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 2,084 | 1,804 | 1,893 | 1,839 | 1,868 | 1,995 | 1,864 | 2,318 | 2,386 | 2,485 | 2,636 | 2,621 | 2,736 | 2,765 | 2,780 | 2,946 | 2,984 | 2,923 |
| Expenses | 979 | 934 | 861 | 591 | 672 | 735 | 629 | 680 | 877 | 777 | 836 | 828 | 893 | 852 | 815 | 981 | 1,021 | 852 |
| EBITDA | 14 | -250 | -67 | 210 | 178 | 247 | 162 | 522 | 292 | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 | 473 |
| Operating Profit % | 40 % | 43 % | 48 % | 64 % | 59 % | 58 % | 67 % | 66 % | 57 % | 64 % | 62 % | 64 % | 61 % | 64 % | 66 % | 59 % | 57 % | 65 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 1,091 | 1,119 | 1,098 | 1,038 | 1,018 | 1,014 | 1,073 | 1,116 | 1,217 | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,502 | 1,505 | 1,530 | 1,598 |
| Profit Before Tax | 14 | -250 | -67 | 210 | 178 | 247 | 162 | 522 | 292 | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 | 473 |
| Tax | 4 | -63 | -16 | -62 | 62 | 23 | 59 | 189 | 90 | 134 | 130 | 105 | 101 | 116 | 121 | 117 | 111 | 121 |
| Net Profit | 10 | -187 | -50 | 272 | 116 | 223 | 103 | 334 | 203 | 275 | 305 | 287 | 294 | 325 | 342 | 342 | 322 | 352 |
| EPS in ₹ | 0.05 | -0.89 | -0.24 | 1.30 | 0.55 | 1.07 | 0.49 | 1.50 | 0.97 | 1.31 | 1.37 | 1.35 | 1.12 | 1.24 | 1.31 | 1.31 | 1.23 | 1.34 |
South Indian Bank
South Indian Bank
36.83
-0.75
(-2.00%)
Key Fundamentals
Market Cap
9,637.36 Cr
EPS
4.98
PE Ratio
7.24
Dividend Yield
1.06 %
Industry
Banks 52 Week High
40.30
52 Week Low
22.27
PB Ratio
0.92
Debt to Equity
0.00
Sector
Private Bank Analyst Rating and Forecast
- By Refinitiv from4 analysts
Actual
Company News
View All News
South Indian Bank has completed the maturity payment of its Non-Convertible, Redeemable, Unsecured, Basel III Compliant, Tier II Bonds on October 31, 2025. The bank redeemed 3,000 bonds with a total principal amount of Rs 300 crores and paid interest of Rs 18.03 crores. The bonds carried a coupon rate of 10.25% per annum with a face value of Rs 10 lakh each. Both the principal redemption and interest payment from March 31, 2025 to October 31, 2025 were made on the scheduled maturity date.
South Indian Bank reported a net profit of Rs. 351 crores for Q2 FY26, marking 8% growth compared to Rs. 325 crores in Q2 FY25. Total deposits grew 10% year-on-year to Rs. 115,635 crores, while advances increased 9% to Rs. 92,286 crores. The bank's net interest margin compressed to 2.8%, which management believes represents the trough of the interest rate cycle. Asset quality improved significantly with gross NPA reducing to 2.93% from 4.40% year-on-year, and net NPA declining to 56 basis points from 1.31%. The bank maintained strong capital ratios with CAR at 17.70% and Tier-1 at 16.79%. Gold loan portfolio reached Rs. 18,845 crores with 13% year-on-year growth, while home loans and auto loans both achieved 25% growth. MSME disbursements surged 127% year-on-year, and retail loan disbursements grew 51%. Management expects NIMs to recover from current levels and aims to reduce corporate advances from 40% to one-third of the total book over the next 18 months while growing retail and MSME segments at 20%+ annually.
South Indian Bank aims to sustain credit growth of over 20% by focusing on retail and MSME segments. The bank plans to leverage robust CASA (Current Account Savings Account) deposits and digital transformation initiatives to drive long-term profitability while maintaining stable asset quality.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
994.80 | #1 15,28,047.41 | 20.33 | #1 4,70,915.90 | 15.42 | #1 73,440 | 9.32 | 53.33 | |
1,335.30 | 9,53,828.30 | 16.88 | 2,94,586.90 | #1 24.81 | 54,419 | 2.96 | 38.35 | |
2,099.30 | 4,17,465.23 | 22.63 | 1,07,095.00 | 13.60 | 21,946 | -11.41 | 47.76 | |
1,228.90 | 3,81,288.32 | 14.65 | 1,55,916.90 | 12.99 | 28,112 | -25.14 | 61.07 | |
100.03 | 1,07,556.28 | 11.73 | 34,058.70 | 12.14 | 7,656 | #1 73.37 | 62.59 | |
23.16 | 72,654.91 | 25.53 | 37,075.60 | 12.48 | 2,447 | 17.24 | 59.38 | |
792.85 | 61,769.04 | #1 -81.75 | 56,358.10 | 2.20 | 2,575 | -132.82 | 63.53 | |
80.34 | 58,959.00 | 46.58 | 43,478.30 | 19.92 | 1,490 | 64.13 | 75.64 | |
236.48 | 58,180.22 | 14.46 | 32,030.20 | 19.60 | 4,202 | -8.27 | 82.86 | |
155.29 | 25,016.77 | 20.66 | 24,914.80 | 18.41 | 2,745 | -88.06 | 40.34 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
10.85 %
Net Income Growth
21.76 %
Cash Flow Change
-133.26 %
ROE
6.27 %
ROCE
6.21 %
EBITDA Margin (Avg.)
1.81 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 1,00,052 | 1,07,697 | 1,17,413 | 1,24,655 |
| Fixed Assets | 752 | 754 | 967 | 1,018 |
| Current Assets | 17,568 | 12,352 | 14,409 | 16,178 |
| Capital Work in Progress | 59 | 124 | 0 | 0 |
| Investments | 21,445 | 24,641 | 23,977 | 21,777 |
| Other Assets | 77,796 | 82,178 | 92,470 | 1,01,860 |
| Total Liabilities | 1,00,052 | 1,07,697 | 1,17,413 | 1,24,655 |
| Current Liabilities | 1,761 | 2,379 | 2,743 | 2,669 |
| Non Current Liabilities | 98,291 | 1,05,319 | 1,14,670 | 1,21,986 |
| Total Equity | 5,854 | 6,675 | 8,826 | 10,108 |
| Reserve & Surplus | 5,645 | 6,466 | 8,565 | 9,846 |
| Share Capital | 209 | 209 | 262 | 262 |
Cash Flow
| Cash Flow | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 2,436 | -4,123 | 2,942 | 2,238 |
| Investing Activities | -1,741 | -386 | -1,986 | 4,434 |
| Operating Activities | 5,165 | -7,261 | 7,075 | -2,353 |
| Financing Activities | -989 | 3,524 | -2,148 | 157 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 15.01 % | 14.68 % | 15.17 % | 13.44 % | 11.48 % | 11.46 % | 11.96 % | 17.58 % | 17.91 % |
| DIIs | 18.00 % | 16.96 % | 16.57 % | 16.57 % | 16.48 % | 16.06 % | 11.64 % | 6.88 % | 7.24 % | 6.59 % | 7.61 % | 4.67 % | 5.11 % | 5.25 % | 7.25 % | 10.42 % | 11.10 % | 11.92 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 60.36 % | 61.58 % | 63.07 % | 63.36 % | 63.18 % | 63.76 % | 66.47 % | 64.23 % | 63.12 % | 63.45 % | 63.80 % | 63.95 % | 66.57 % | 68.50 % | 66.76 % | 63.25 % | 57.16 % | 55.85 % |
| Others | 21.64 % | 21.47 % | 20.36 % | 20.07 % | 20.33 % | 20.17 % | 21.89 % | 28.89 % | 29.64 % | 14.95 % | 13.92 % | 16.21 % | 14.89 % | 14.77 % | 14.53 % | 14.37 % | 14.15 % | 14.32 % |
| No of Share Holders | 5,51,117 | 6,50,882 | 6,51,236 | 6,57,044 | 6,64,199 | 6,61,707 | 6,97,657 | 6,95,022 | 7,09,877 | 8,09,664 | 8,88,397 | 11,04,000 | 12,08,110 | 12,47,470 | 12,58,790 | 12,54,660 | 11,97,830 | 11,81,500 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.5 | 0.4 | 0.4 | 0.25 | 0.00 | 0.00 | 0.00 | 0.3 | 0.3 | 0.4 |
| Dividend Yield (%) | 2.55 | 1.91 | 2.64 | 4.77 | 0.00 | 0.00 | 0.00 | 1.1 | 1.3 | 1.06 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
 Rights | 1:3 | 16 Feb 2017 | 19.25 | 0.00 | |
| 17 Aug 2023 |  Dividend | ₹ 0.30 /share | 17 Aug 2023 | 14.78 | 19.44 |
| 27 Feb 2024 | Rights | 1:4 | 27 Feb 2024 | 29.90 | 34.05 |
| 20 Aug 2024 | Dividend | ₹ 0.30 /share | 20 Aug 2024 | 30.77 | 25.63 |
| 27 Aug 2024 |  Annual General Meeting | NA | 27 Aug 2024 | 27.14 | 25.67 |
| 16 Oct 2024 |  Quarterly Result Announcement | NA | 16 Oct 2024 | 24.03 | 23.95 |
| 21 Jan 2025 | Quarterly Result Announcement | NA | 21 Jan 2025 | 25.52 | 27.01 |
| 15 May 2025 | Quarterly Result Announcement | NA | 15 May 2025 | 25.32 | 26.75 |
| 17 Jul 2025 | Quarterly Result Announcement | NA | 17 Jul 2025 | 30.26 | 30.84 |
| 13 Aug 2025 | Dividend | ₹ 0.40 /share | 13 Aug 2025 | 26.75 | 29.86 |
| 20 Aug 2025 | Annual General Meeting | NA | 20 Aug 2025 | 30.84 | 29.82 |
| 16 Oct 2025 | Quarterly Result Announcement | NA | 16 Oct 2025 | 29.77 | 32.80 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
3 days ago
3 days agoCompliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 3 days ago
3 days agoChange In Domain Of The South Indian Bank Limited10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPS10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptOct 22, 2025
Oct 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 17, 2025
Oct 17, 2025Intimation Under Regulation 30 & 47 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Oct 17, 2025
Oct 17, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Oct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 16, 2025
Oct 16, 2025Compliances-Reg. 54 - Asset Cover details Oct 16, 2025
Oct 16, 2025Outcome Of Board Meeting/Submission Of Unaudited Financial Results For The Quarter/Half Year Ended 30Th September 2025.Oct 16, 2025
Oct 16, 2025Board Meeting Outcome for Outcome Of Board Meeting/Submission Of Unaudited Financial Results For The Quarter/Half Year Ended 30Th September 2025.Oct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 13, 2025
Oct 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Board Meeting Intimation for Considering And To Approve And Take On Record The Unaudited Standalone And Consolidated Financial Results Of The Bank For The Quarter/Half Year Ended 30Th September 2025.Oct 06, 2025
Oct 06, 2025Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Oct 04, 2025
Oct 04, 2025Compliance-57 (5) : intimation after the end of quarterOct 04, 2025
Oct 04, 2025Business Updates For The Quarter Ended Sep 30 2025Oct 01, 2025
Oct 01, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 01, 2025
Oct 01, 2025Compliance-57 (4) : Prior intimation to the beginning of the quarterSep 29, 2025
Sep 29, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 23, 2025
Sep 23, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Sep 23, 2025
Sep 23, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 23, 2025
Sep 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 19, 2025
Sep 19, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 16, 2025
Sep 16, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 21, 2025
Aug 21, 2025Appointment Of Secretarial Auditors Of The BankAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sAug 20, 2025
Aug 20, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 20, 2025
Aug 20, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 20, 2025
Aug 20, 2025Board Meeting Outcome for Outcome Of The Board Meeting - Intimation Under Regulation 30 & 51 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Notice For Exercise Of Call Option/Record Date/Payment Date By The Bank On SIB Bond-IAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesAug 18, 2025
Aug 18, 2025Intimation Under Regulation 29 30 50 & 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 14, 2025
Aug 14, 2025Board Meeting Intimation for Intimation Under Regulation 29 30 50 & 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 30, 2025
Jul 30, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 29, 2025
Jul 29, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 29, 2025
Jul 29, 2025Regulation 53 (1) Annual Report.Jul 29, 2025
Jul 29, 2025Reg. 34 (1) Annual Report.Jul 29, 2025
Jul 29, 2025Mutual Fund Holdings
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RSI(14)
Neutral 64.26
ATR(14)
Less Volatile 1.52
STOCH(9,6)
Neutral 65.17
STOCH RSI(14)
Oversold 11.75
MACD(12,26)
Bullish 0.06
ADX(14)
Strong Trend 49.32
UO(9)
Bearish 38.37
ROC(12)
Uptrend And Accelerating 14.64
WillR(14)
Neutral -30.91
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