Overview

Detailed Summary

The South Indian Bank Ltd. is a prominent bank in India providing a comprehensive range of banking services including retail, corporate banking, Parabanking, and treasury operations.
The bank's overall strategies focusing on digital transformation have been pivotal, showcasing significant enhancement in process and system efficiencies boosting customer empowerment.
Digital transactions constitute 98.5% of the banking activity indicating a highly successful shift towards digital channels, thus optimizing operational efficiency.
Asset quality of the bank has witnessed a marked improvement with the gross NPA ratio declining from 4.3% to 2.67% year over year, emphasizing stricter credit risk management.
With sustained efforts in transforming banking processes, the bank achieved a consistent growth trajectory with innovative products like GST Power and SIB HER driving increased market penetration.

Sector: Banks
Industry: Private Sector Bank
Market Cap: 10,727 Cr
Volatility: High Risk
P/E Ratio: 7.4
Industry P/E: 12.5
PEG Ratio: 0.8
P/B Ratio: 1.0
52W High: 46.85
52W Low: 27.40

Sales CAGR

1Y: 9.29%
3Y: 12.64%
5Y: 3.93%
10Y: 6.03%

Profit CAGR

1Y: 21.76%
3Y: 207.11%
5Y: 65.61%
10Y: 16.36%

ROE

TTM: 12.75%
3Y: 12.29%
5Y: 8.73%
10Y: 7.53%

ROCE

TTM: 5.90%
3Y: 10.82%
5Y: 11.14%
10Y: 11.50%

Technicals

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Forecasts

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Banks Private Sector Bank

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
CUB		250.85	18,574 Cr	14.00	1.76	0.80	12.55	5.89	1.56
J&KBANK		127.15	14,783 Cr	6.27	0.97	0.00	14.35	5.41	1.25
TMB		740.15	10,967 Cr	8.20	1.08	1.80	13.23	6.77	1.93
SOUTHBANK		38.88	10,837 Cr	7.44	0.95	1.09	12.75	5.90	1.03
KTKBANK		245.65	9,979 Cr	7.61	0.78	0.00	9.91	5.77	1.01
CSBBANK		357.70	6,319 Cr	9.98	1.34	0.00	12.94	6.30	1.26
DCBBANK		195.90	5,843 Cr	7.99	0.94	0.80	11.19	6.73	0.91
Median: 7 Co.	—	245.65	10,837 Cr	7.99	0.97	0.80	12.75	5.90	1.25

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	2,184	2,275	2,314	2,355	2,371	2,373	2,362	2,407	2,518	2,559
Expenses	836	828	893	891	853	981	1,021	852	862	755
Interest	1,365	1,400	1,449	1,472	1,501	1,505	1,530	1,598	1,637	1,644
Financing Profit	-17	47	-27	-9.01	16	-113	-188	-43	18	161
Financing Margin %	-0.79	2.05	-1.17	-0.38	0.67	-4.76	-7.98	-1.78	0.73	6.28
Other Income	452	346	422	449	447	572	622	516	486	386
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	435	393	395	440	463	459	433	473	504	547
Tax %	29.79	26.81	25.50	26.24	26.12	25.44	25.64	25.60	25.72	25.46
Net Profit	305	287	294	325	342	342	322	352	374	407
EPS in Rs	1.10	1.35	1.12	1.24	1.31	1.31	1.23	1.34	1.43	1.55
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6,587	7,233	8,613	9,413	9,461
Expenses	3,282	2,627	3,227	3,440	3,747
Interest	4,347	4,221	5,281	5,928	6,009
Financing Profit	-1,042	385	105	46	-295
Financing Margin %	-15.82	5.32	1.22	0.49	-3.11
Other Income	1,034	811	1,515	1,813	2,090
Depreciation	84	87	90	102	0.00
Profit Before Tax	-92	1,108	1,529	1,757	1,796
Tax %	148.59	30.06	30.00	25.84	25.86
Net Profit	45	775	1,070	1,303	1,331
EPS in Rs	0.18	2.89	4.27	4.98	5.55
Dividend Payout %	0.00	8.60	5.89	8.03	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	209	209	262	262
Reserves	5,645	6,465	8,565	9,846
Borrowings	92,436	98,644	1,05,831	1,11,823
Other Liabilities	1,761	2,379	2,755	2,724
Total Liabilities	1,00,052	1,07,697	1,17,412	1,24,655
Fixed Assets	752	754	821	1,018
CWIP	59	124	145	0.00
Investments	21,445	24,641	23,977	21,777
Other Assets	77,796	82,178	92,469	1,01,860
Total Assets	1,00,052	1,07,697	1,17,412	1,24,655

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	5,165	-7,261	7,075	-2,353
Cash from Investing Activity	-1,741	-386	-1,986	4,434
Cash from Financing Activity	-989	3,524	-2,148	157
Net Cash Flow	2,436	-4,123	2,942	2,238

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	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	13.59%	15.01%	14.68%	15.17%	13.44%	11.48%	11.46%	11.96%	17.58%	17.91%	20.94%	24.21%
DIIs	7.85%	6.59%	7.61%	4.67%	5.11%	5.25%	7.25%	10.42%	11.10%	11.92%	13.80%	12.76%
Public	78.56%	78.40%	77.72%	80.16%	81.45%	83.27%	81.29%	77.61%	71.32%	70.17%	65.26%	63.03%
Total Shareholders	7,15,015	8,09,664	8,88,397	11,04,003	12,08,113	12,47,471	12,58,792	12,54,661	11,97,828	11,81,505	11,51,966	11,67,278

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Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

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