South Indian Bank Ltd

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South Ind.Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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South Indian Bank Ltd

₹ 55.5 -1.91%
30 Oct - close price
southindianbank.com BSE: 532218 NSE: SOUTHBANK
About

Established in 1929, South Indian Bank was the first ‘scheduled bank’ amongst the private banks in Kerala. It has strong presence in south India and particularly in Kerala. South Indian Bank provides retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to Treasury and Foreign Exchange Business.[1]

Key Points

Key Ratios - Q1 FY27:[1]
-Capital Adequacy Ratio: 19.62%
-Net Interest Margin: 3.23%
-Gross NPA: 1.38%
-Net NPA: 0.26%
-CASA Ratio: 32.98%
-PCR incl. write-offs:
94.51%
-RoA: 1.05%
-RoE: 12.84%

Website BSE NSE
  • Market Cap ₹ 14,536 Cr.
  • Current Price ₹ 55.5
  • High / Low ₹ 57.3 / 33.4
  • Stock P/E 9.17
  • Book Value ₹ 46.1
  • Dividend Yield 0.81 %
  • ROCE 6.42 %
  • ROE 13.5 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 88.0% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 6.15% over past five years.
  • Company has a low return on equity of 13.7% over last 3 years.
  • Contingent liabilities of Rs.16,867 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of Nifty Total Market Nifty Smallcap 500 Nifty Microcap 250 BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
2,129 2,184 2,275 2,314 2,355 2,371 2,373 2,362 2,407 2,518 2,559 2,628 2,796
Interest 1,298 1,365 1,400 1,449 1,472 1,501 1,505 1,530 1,598 1,637 1,644 1,603 1,680
777 836 828 893 852 815 981 1,021 852 862 755 897 1,010
Financing Profit 54 -17 47 -27 30 54 -113 -188 -43 18 161 128 106
Financing Margin % 3% -1% 2% -1% 1% 2% -5% -8% -2% 1% 6% 5% 4%
355 452 346 422 410 409 572 622 516 486 386 380 468
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 409 435 393 394 440 463 459 433 473 504 547 508 574
Tax % 33% 30% 27% 26% 26% 26% 25% 26% 26% 26% 25% 26% 26%
275 305 287 294 325 342 342 322 352 374 407 378 426
EPS in Rs 1.05 1.17 1.10 1.12 1.24 1.31 1.31 1.23 1.34 1.43 1.56 1.44 1.63
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
7,305 6,587 7,233 8,613 9,413 9,846 10,501
Interest 4,899 4,347 4,221 5,281 5,928 6,409 6,564
3,549 3,282 2,627 3,227 3,440 3,375 3,524
Financing Profit -1,143 -1,042 385 105 46 63 413
Financing Margin % -16% -16% 5% 1% 0% 1% 4%
1,229 1,034 811 1,515 1,813 2,009 1,719
Depreciation 0 84 87 90 102 115 0
Profit before tax 87 -92 1,108 1,529 1,757 1,957 2,132
Tax % 29% -149% 30% 30% 26% 26%
62 45 775 1,070 1,303 1,456 1,586
EPS in Rs 0.24 0.17 2.96 4.09 4.98 5.56 6.06
Dividend Payout % 0% 0% 8% 7% 8% 8%
Compounded Sales Growth
10 Years: %
5 Years: 6%
3 Years: 11%
TTM: 10%
Compounded Profit Growth
10 Years: %
5 Years: 88%
3 Years: 23%
TTM: 17%
Stock Price CAGR
10 Years: 11%
5 Years: 45%
3 Years: 36%
1 Year: 52%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 14%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 209 209 262 262 262 262
Reserves 5,645 6,465 8,565 9,846 11,155 11,815
Deposits 89,142 91,650 101,919 107,522 123,341 137,275
Borrowing 3,294 6,994 3,912 4,300 3,927 3,681
1,761 2,379 2,755 2,724 3,072 3,155
Total Liabilities 100,052 107,697 117,412 124,655 141,756 156,189
752 754 821 1,018 1,043 1,040
CWIP 59 124 145 0 0 0
Investments 21,445 24,641 23,977 21,777 27,327 27,709
77,796 82,178 92,469 101,860 113,386 127,440
Total Assets 100,052 107,697 117,412 124,655 141,756 156,189

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
5,165 -7,261 7,075 -2,353 3,907
-1,741 -386 -1,986 4,434 -5,465
-989 3,524 -2,148 157 -561
Net Cash Flow 2,436 -4,123 2,942 2,238 -2,119
Free Cash Flow 5,128 -7,370 6,901 -2,509 3,768

Ratios

Consolidated / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 1% 12% 14% 14% 14%

Insights

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Gross Advances
Rs. Crore ・Standalone data
Gross NPA Ratio
% ・Standalone data
Total Deposits
Rs. Crore ・Standalone data
CASA Ratio
% ・Standalone data
Employees
count ・Standalone data
Business per Employee
Rs. Crore ・Standalone data
Slippage Ratio
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

3 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
14.68% 15.17% 13.44% 11.47% 11.46% 11.96% 17.58% 17.91% 20.94% 24.21% 25.39% 25.57%
7.61% 4.61% 5.06% 5.25% 7.25% 10.42% 11.10% 11.92% 13.79% 12.75% 14.24% 16.78%
77.70% 80.20% 81.49% 83.26% 81.29% 77.61% 71.31% 70.16% 65.25% 63.03% 60.36% 57.65%
No. of Shareholders 8,88,39711,04,00312,08,11312,47,47112,58,79212,54,66111,97,82811,81,50511,51,96611,67,27811,43,41511,24,648

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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