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The South Indian Bank Ltd.

BankBank - Private

www.southindianbank.bank.in BSE: 532218NSE: SOUTHBANK

₹52.83BSE5.14%

23 Oct, 10:43 AM

₹52.83

₹14.60K Cr

9.20

1.21

13.54%

₹55.69

₹52.48

₹56.21

₹33.40

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Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	689.80	13.35	10,64,205.22	2.24	21,537.09	5.76%	95,131.63	9.35%	12.81
ICICI BANK ICICIBANK	1,392.00	16.96	9,99,465.60	0.86	17,311.87	21.43%	55,991.91	16.21%	16.51
KOTAK MAH.BK KOTAKBANK	432.10	21.45	4,29,847.95	0.15	5,487.06	23.89%	18,354.57	6.41%	12.05
AXIS BANK AXISBANK	1,207.00	12.56	3,75,849.36	0.08	7,649.70	37.65%	38,087.48	17.88%	11.04
FEDERAL BANK FEDERALBNK	346.15	16.53	85,599.21	0.35	1,564.06	53.42%	8,382.84	16.17%	10.98
IDBI BANK L IDBI	77.25	10.34	83,062.31	0.00	2,226.24	-31.31%	8,519.33	19.84%	14.76
AUBANK AUBANK	931.70	39.12	70,042.64	0.11
The South Indian Bank Ltd. SOUTHBANK	52.83	9.20	14,595.87	0.81	426.34	21.26%	2,795.70	16.15%	14.79

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2021	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	1,646.59	2,314.41	2,354.72	2,370.74	2,373.44	2,362.44	2,407.05	2,517.53	2,559.48	2,627.81	2,795.70
Expenses	514.71	779.87	741.93	749.34	757.22	781.76	788.45	781.84	720.24	812.47	851.20
	169.61	507.45	550.35	529.02	683.44	672.50	535.85	584.57	580.93	591.84	732.76
	10.30%	21.93%	23.37%	22.31%	28.80%	28.47%	22.26%	23.22%	22.70%	22.52%	26.21%
Provisions and Contingencies	419.59	112.95	110.01	66.04	224.19	239.26	63.27	80.41	34.40	84.34	159.11
	157.17	421.55	410.00	409.10	572.33	621.69	515.52	485.73	385.84	379.59	468.10
Interest	1,119.44	1,448.64	1,472.44	1,501.48	1,505.11	1,529.87	1,598.27	1,636.85	1,644.15	1,603.09	1,679.84
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	-249.98	394.50	440.34	462.98	459.25	433.24	472.58	504.16	546.53	507.50	573.65
	25.16%	25.50%	26.24%	26.13%	25.44%	25.64%	25.60%	25.72%	25.46%	25.58%	25.68%
	-187.09	293.90	324.79	342.00	342.41	322.17	351.59	374.48	407.40	377.66	426.34
	-0.89	1.12	1.24	1.31	1.31	1.23	1.34	1.43	1.56	1.44	1.63

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	6,586.54	7,233.18	8,612.81	9,413.31	9,846.50
	1,033.90	811.37	1,514.52	1,812.98	2,008.78
	7,620.43	8,044.55	10,127.33	11,226.29	11,855.28
II. EXPENDITURE
Interest Expended	4,346.78	4,221.10	5,280.75	5,927.67	6,409.14
Operating Expenses	2,026.32	2,315.83	2,978.76	3,028.36	3,072.29
Provisions and Contingencies	1,339.56	260.86	338.95	513.20	417.33
	-92.22	1,246.76	1,528.87	1,757.06	1,956.52
Taxes	-137.03	471.45	458.67	453.97	500.88
	44.81	775.31	1,070.20	1,303.09	1,455.64
Extra items				0.00	0.00
Consolidated Net Profit	44.81	775.31	1,070.20	1,303.09	1,455.64
IV. APPROPRIATIONS	49.44	737.27	1,294.73	1,901.33	2,371.98
Equity Dividend %		30.00%	30.00%	40.00%	45.00%
	0.21	3.70	4.09	4.98	5.56
Adjusted EPS	0.20	3.40	4.09	4.98	5.56

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	209.27	209.27	261.59	261.63	261.76
Share Warrants & Outstandings	1.29	0.11	2.64	7.75	11.97
Total Reserves	5,643.69	6,465.35	8,562.10	9,838.65	11,142.61
Reserve excluding Revaluation Reserve	5,643.69	6,465.35	8,562.10	9,838.65	11,142.61
Revaluation Reserves	0.00			0.00
Deposits	89,141.74	91,650.07	1,01,919.11	1,07,522.22	1,23,340.89
	3,294.49	6,993.85	3,912.09	4,300.48	3,927.01
Other Liabilities & Provisions	1,761.38	2,378.51	2,754.94	2,724.34	3,072.22
Total Liabilities	1,00,051.87	1,07,697.16	1,17,412.48	1,24,655.07	1,41,756.46
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	7,276.61	4,639.22	6,659.70	5,097.70	6,182.95
Balances with banks and money at call	3,926.82	2,441.27	3,362.48	7,162.39	3,957.79
Investments	21,444.51	24,641.30	23,976.52	21,776.68	27,327.21
Investments in India	21,444.32	24,641.11	23,976.32	21,776.31	27,326.70
Investments outside India	0.20	0.20	0.20	0.37	0.51
Advances	59,993.39	69,804.44	78,060.65	85,682.07	99,259.80
Gross block	1,416.98	1,467.90	1,736.24	1,815.85	1,941.38
Less: Accumulated Depreciation	664.96	713.97	769.76	797.55	898.53
Net Block	752.02	753.93	966.49	1,018.30	1,042.84
Capital Work in Progress	59.05	124.00
Other Assets	6,599.47	5,293.00	4,386.65	3,917.92	3,985.87
Total Assets	1,00,051.87	1,07,697.16	1,17,412.48	1,24,655.07	1,41,756.46
Contingent Liabilities	33,764.70	25,891.24	31,467.84	17,414.44	14,272.56
Bills for collection	1,752.96	2,057.79	2,198.63	2,163.97	2,618.84
	27.97	31.89	33.73	38.61	43.57
Adjusted Book Value	25.69	29.30	33.73	38.61	43.57

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	-92.22	1,108.50	1,528.90	1,757.07	1,956.52
Adjustments for Expenses & Provisions :	2,119.80	1,409.19	804.12	962.76	633.83
Adjustments for Liabilities & Assets:	3,177.33	-9,559.58	5,292.40	-4,730.95	1,789.75
Refund/(payment) of direct taxes	-39.57	-218.93	-550.22	-341.83	-473.46
Cash Flow from operating activities	5,165.34	-7,260.82	7,075.21	-2,352.95	3,906.64
Cash Flow from investing activities	-1,740.60	-386.06	-1,985.91	4,434.02	-5,464.95
Cash Flow from financing activities	-989.19	3,523.93	-2,147.61	156.85	-561.04
Net increase/(decrease) in cash and cash equivalents	2,435.55	-4,122.94	2,941.69	2,237.92	-2,119.35
Opening Cash & Cash Equivalents	8,767.88	11,203.43	7,080.49	10,022.18	12,260.10
Closing Cash & Cash Equivalent	11,203.43	7,080.49	10,022.18	12,260.10	10,140.75

Ratios

Valuation

9.20

1.21

4.96

1.39

6.05

46.11

Profitability

13.54

14.79

1.09

24.11

14.78

Leverage & Liquidity

0.34

Returns

0.81

Banking Metrics

2.51

80.48

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	18.50	16.72	18.69	22.38	28.67	29.82	34.73	36.96	39.63	42.34
	81.50	83.27	81.31	77.62	71.33	70.18	65.27	63.04	60.38	57.65
	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
No. of Shareholders	12,08,113	12,47,471	12,58,792	12,54,661	11,97,828	11,81,505	11,51,966	11,67,278	11,43,415	11,24,648

Mutual Funds Invested(30)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 22 active funds hold 14.94% in The South Indian Bank Ltd., contributing to ₹1.89K Cr of holdings

Fund				As of
KO Kotak Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	586.59	1.93	12,15,98,583	Sep '26
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	554.15	1.55	11,48,74,575	Sep '26
SB SBI Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	231.55	2.22	4,80,00,000	Sep '26
KO Kotak Multi Asset Allocation Fund - Growth - Direct PlanHybrid - Multi Asset Allocation	114.27	0.75	2,36,88,219	Sep '26
SB SBI ELSS Tax Saver Fund - Growth - Direct PlanEquity - ELSS - Tax Saver Fund	82.30	0.27	1,70,59,824	Sep '26
MS Magnum Equity Ex-Top 100 Long-Short Fund - Growth - Direct PlanEquity - Ex-Top 100 Long-Short Fund	52.58	3.29	1,09,00,000	Sep '26
WC WhiteOak Capital Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	49.02	0.53	1,01,61,911	Sep '26
ID Bandhan Focused Fund - Growth - Direct PlanEquity - Focused Fund	37.98	1.82	78,73,225	Sep '26
KO Kotak Contra Fund - Growth - Direct PlanEquity - Contra Fund	34.73	0.67	72,00,000	Sep '26
MO Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct PlanIndex Funds - Other	34.08	1.41	70,65,146	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-05	Board Meeting	Quarterly Results
2026-07-16	AGM
2026-07-07	Board Meeting	Quarterly Results & A.G.M.

Insider Trading

Date	Person	Category	Transaction Type	Shares
2026-09-29	CHAKOLA LAZAR JOHN	Market	Sell	19,999
2026-09-29	LIZA P IGNATIOUS	Market	Sell	8,162
2026-09-29	SANCHAY KUMAR SINHA	Market	Sell	82,000

Sector Overview

BankBank - Private

The South Indian Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

12 members across the board and senior leadership

Jimmy Mathew

General Manager - Head HRD & Company Secretary

—

Jose Joseph Kattoor

Chairman

₹40.07 L

Mar '26

P R Seshadri

Managing Director & Chief Executive Officer

₹2.17 Cr

Mar '25

M George Korah