SOUTHBANK

The South Indian Bank Limited

Private sector bank offering retail, corporate and MSME banking products and treasury services

Financial Services›Financial Services›Banks›Private Sector Bank

southindianbank.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹54.26
Market cap
14,213 Cr
Stock P/E
9.0
P/B
1.18
Dividend yield
0.8%
ROE (FY26)
13.1%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

South Indian Bank is a private sector bank that raises retail and non-resident Indian deposits and lends to retail, gold loan, small business (MSME), agriculture and corporate borrowers through 948 branches (March 2026).

Company snapshot

15thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 36.3% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/ Wholesale Banking
30.7%
2,563 Cr298 Cr—
Digital Banking
8.6%
722 Cr-41 Cr—
Other Banking Operations
4.5%
373 Cr140 Cr—
Other Retail Banking
36.3%
3,030 Cr711 Cr—
Treasury
20.0%
1,670 Cr191 Cr—

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income819 Cr875 Cr866 Cr882 Cr869 Cr868 Cr833 Cr809 Cr881 Cr915 Cr1,025 Cr1,116 Cr
Other income452 Cr346 Cr422 Cr449 Cr447 Cr572 Cr622 Cr516 Cr486 Cr386 Cr380 Cr468 Cr
Net operating income1,271 Cr1,221 Cr1,287 Cr1,332 Cr1,316 Cr1,441 Cr1,454 Cr1,324 Cr1,366 Cr1,301 Cr1,404 Cr1,584 Cr
Employee cost463 Cr416 Cr423 Cr425 Cr419 Cr404 Cr427 Cr428 Cr437 Cr362 Cr459 Cr466 Cr
Other expenses325 Cr371 Cr357 Cr356 Cr368 Cr353 Cr354 Cr361 Cr345 Cr359 Cr354 Cr385 Cr
Provisions & contingencies49 Cr41 Cr113 Cr110 Cr66 Cr224 Cr239 Cr63 Cr80 Cr34 Cr84 Cr159 Cr
Depreciation————————————
Profit before tax435 Cr393 Cr395 Cr440 Cr463 Cr459 Cr433 Cr473 Cr504 Cr547 Cr508 Cr574 Cr
Tax %29.8%26.8%25.5%26.2%26.1%25.4%25.6%25.6%25.7%25.5%25.6%25.7%
Net profit305 Cr287 Cr294 Cr325 Cr342 Cr342 Cr322 Cr352 Cr374 Cr407 Cr378 Cr426 Cr
EPS (₹)₹1.46₹1.35₹1.12₹1.24₹1.31₹1.31₹1.23₹1.34₹1.43₹1.56₹1.44₹1.63

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,240 Cr3,012 Cr3,332 Cr3,486 Cr3,437 CrSign in free for the trailing twelve months
Other income1,034 Cr811 Cr1,515 Cr1,813 Cr2,009 CrSign in free for the trailing twelve months
Net operating income3,274 Cr3,823 Cr4,847 Cr5,299 Cr5,446 CrSign in free for the trailing twelve months
Employee cost1,198 Cr1,308 Cr1,705 Cr1,671 Cr1,654 CrSign in free for the trailing twelve months
Other expenses828 Cr1,008 Cr1,274 Cr1,357 Cr1,419 CrSign in free for the trailing twelve months
Provisions & contingencies1,340 Cr399 Cr339 Cr513 Cr417 CrSign in free for the trailing twelve months
Depreciation—————Sign in free for the trailing twelve months
Profit before tax-92 Cr1,109 Cr1,529 Cr1,757 Cr1,957 CrSign in free for the trailing twelve months
Tax %148.6%30.1%30.0%25.8%25.6%Sign in free for the trailing twelve months
Net profit45 Cr775 Cr1,070 Cr1,303 Cr1,456 CrSign in free for the trailing twelve months
EPS (₹)₹0.21₹3.70₹5.10₹4.98₹5.56Sign in free for the trailing twelve months
Dividend payout %0.0%0.0%5.9%6.0%7.2%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital209 Cr209 Cr262 Cr262 Cr262 Cr
Reserves5,644 Cr6,465 Cr8,215 Cr9,470 Cr10,829 Cr
Borrowings3,294 Cr6,994 Cr3,912 Cr4,300 Cr3,927 Cr
Other liabilities90,904 Cr94,029 Cr1,05,023 Cr1,10,623 Cr1,26,738 Cr
Total liabilities1,00,052 Cr1,07,697 Cr1,17,412 Cr1,24,655 Cr1,41,756 Cr
Fixed assets (net)811 Cr878 Cr966 Cr1,018 Cr1,043 Cr
CWIP—————
Investments21,445 Cr24,641 Cr23,977 Cr21,777 Cr27,327 Cr
Loans & advances59,993 Cr69,804 Cr78,061 Cr85,682 Cr99,260 Cr
Cash & bank3,677 Cr4,639 Cr6,660 Cr5,098 Cr6,183 Cr
Other assets14,126 Cr7,734 Cr7,749 Cr11,080 Cr7,944 Cr
Total assets1,00,052 Cr1,07,697 Cr1,17,412 Cr1,24,655 Cr1,41,756 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity4,352 Cr-7,261 Cr7,075 Cr-2,353 Cr3,907 Cr
Cash from investing-1,741 Cr-386 Cr-1,986 Cr4,434 Cr-5,465 Cr
Cash from financing-175 Cr3,524 Cr-2,148 Cr157 Cr-561 Cr
Net cash flow2,436 Cr-4,123 Cr2,942 Cr2,238 Cr-2,119 Cr
Free cash flow (OCF − Capex)4,250 Cr-7,374 Cr6,893 Cr-2,511 Cr3,766 Cr

Ratios

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.8%11.6%12.6%13.4%13.1%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA3,648 Cr3,708 Cr3,620 Cr2,800 Cr1,431 Cr
Gross NPA %5.9%5.1%4.5%3.2%1.4%
Net NPA1,778 Cr1,294 Cr1,135 Cr791 Cr288 Cr
Net NPA %3.0%1.9%1.5%0.9%0.3%
CET1 %12.1%13.7%16.7%18.0%18.8%
Additional Tier 1 %1.1%0.0%1.0%0.0%0.9%
ROA %0.0%0.7%0.9%1.1%1.1%