The South Indian Bank Limited

NSE: SOUTHBANK · Financial Services

₹57.75+2.54%06 Nov 2026

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Instant answers about The South Indian Bank Limited — computed from its filings, no language model

Market cap₹15,128 cr

Current price₹57.75

High / Low₹58 / ₹34

P/E9.5

P/B1.25

Book value₹46.1

ROE13.1%

ROCE—

Debt / equity—

Dividend yield0.69%

EPS (TTM)₹6.05

Face value₹1

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY22	FY23	FY24	FY25	FY26
Total income	7,620	8,045	10,127	11,226	11,855
Pre-provision op. profit	1,247	1,508	1,868	2,270	2,374
Operating margin	16.4%	18.7%	18.4%	20.2%	20.0%
Interest	4,347	4,221	5,281	5,928	6,409
Profit before tax	-92	1,108	1,529	1,757	1,957
Tax	-137	333	459	454	501
Net profit	45	775	1,070	1,303	1,456
EPS ₹	0.21	3.70	5.10	4.98	5.56
Operating cash flow	4,352	-7,261	7,075	-2,353	3,907
Capex	102	113	182	158	141
Dividend paid	0	0	63	78	105
Total assets	—	—	1,17,412	1,24,655	1,41,756
Equity	—	—	8,824	10,100	11,404

Quarterly performance

last 21 quarters · ₹ crore

showing latest 8 of 21 periods

	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	2,086	1,746	1,893	1,839	1,868	1,864	2,318	2,386	2,484	2,636	2,621	2,736	2,804	2,818	2,946	2,984	2,923	3,003	2,945	3,007	3,264
Pre-provision op. profit	512	112	280	288	317	204	561	491	461	483	433	507	550	529	683	672	536	585	581	592	733
Operating margin	24.5%	6.4%	14.8%	15.7%	17.0%	10.9%	24.2%	20.6%	18.5%	18.3%	16.5%	18.5%	19.6%	18.8%	23.2%	22.5%	18.3%	19.5%	19.7%	19.7%	22.5%
Other income	453	99	222	204	246	-34	345	361	355	452	346	422	449	447	572	622	516	486	386	380	468
Interest	1,091	1,119	1,098	1,038	1,018	1,073	1,116	1,217	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
Profit before tax	14	-250	-67	210	178	162	522	292	409	435	393	394	440	463	459	433	473	504	547	508	574
Tax	4	-63	-16	-62	62	59	189	89	134	130	105	101	116	121	117	111	121	130	139	130	147
Net profit	10	-187	-50	272	115	103	334	203	275	305	287	294	325	342	342	322	352	374	407	378	426
EPS ₹	0.05	-0.89	-0.24	1.30	0.55	0.49	1.59	0.97	1.31	1.46	1.35	1.12	1.24	1.31	1.31	1.23	1.34	1.43	1.56	1.44	1.63
Revenue YoY	—	—	—	—	-10.5%	-1.5%	26.0%	27.7%	—	41.4%	13.1%	14.7%	12.9%	6.9%	12.4%	9.1%	4.2%	6.6%	-0.0%	0.8%	11.7%
Profit YoY	—	—	—	—	1026.6%	—	22.6%	75.4%	—	196.5%	-13.9%	45.1%	18.2%	12.0%	19.2%	9.6%	8.3%	9.5%	19.0%	17.2%	21.3%

Earlier results (standalone, Sep '07 – Mar '21)

₹ crore · from BSE, before the NSE XBRL filings begin

The South Indian Bank Limited reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 13 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†	FY20†	FY21†
Total income	1,851	2,144	2,643	3,831	4,769	5,376	5,783	6,075	6,563	7,030	7,603	8,810	8,491
Pre-provision op. profit	359	411	525	652	849	884	816	879	1,215	1,481	1,239	1,646	1,618
Operating margin	19.4%	19.1%	19.9%	17.0%	17.8%	16.5%	14.1%	14.5%	18.5%	21.1%	16.3%	18.7%	19.1%
Other income	164	208	197	247	335	360	497	517	716	837	726	1,046	1,185
Interest	1,164	1,367	1,655	2,562	3,153	3,608	3,920	4,048	4,172	4,227	4,857	5,446	4,899
Profit before tax	301	367	446	572	656	729	446	510	600	500	380	150	87
Tax	107	134	153	171	154	221	138	176	208	165	133	45	25
Net profit	195	234	293	402	502	508	307	333	392	335	248	105	62

Quarters

showing latest 8 of 55 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†	JUN '19†	SEP '19†	DEC '19†	MAR '20†	JUN '20†	SEP '20†	DEC '20†	MAR '21†
Total income	346	376	391	406	440	488	517	521	534	531	558	582	624	672	764	820	930	1,003	1,076	1,144	1,145	1,194	1,286	1,343	1,299	1,335	1,399	1,466	1,406	1,467	1,444	1,481	1,526	1,561	1,507	1,621	1,596	1,737	1,608	1,710	1,817	1,736	1,768	1,800	1,854	1,922	2,027	2,077	2,203	2,188	2,342	2,172	2,139	2,082	2,098
Pre-provision op. profit	68	68	84	69	93	100	96	107	134	118	52	104	125	143	153	143	166	179	163	207	200	235	206	252	212	216	205	221	211	219	165	181	213	263	222	259	297	377	281	379	460	330	311	270	310	332	328	318	411	383	533	404	414	377	423
Operating margin	19.6%	18.2%	21.5%	17.1%	21.1%	20.5%	18.6%	20.5%	25.1%	22.3%	9.3%	17.9%	20.0%	21.2%	20.0%	17.4%	17.9%	17.8%	15.1%	18.1%	17.4%	19.7%	16.0%	18.7%	16.3%	16.2%	14.6%	15.1%	15.0%	15.0%	11.4%	12.2%	14.0%	16.9%	14.8%	16.0%	18.6%	21.7%	17.5%	22.2%	25.3%	19.0%	17.6%	15.0%	16.7%	17.3%	16.2%	15.3%	18.7%	17.5%	22.8%	18.6%	19.4%	18.1%	20.2%
Other income	36	37	28	34	39	46	44	56	66	43	44	42	45	50	60	52	53	60	82	75	73	66	121	118	62	85	97	121	94	160	122	104	121	153	139	173	146	259	138	219	280	159	179	146	158	187	236	182	249	220	394	285	240	270	390
Interest	219	242	253	269	275	295	325	313	304	316	435	373	382	418	482	564	618	670	709	773	774	775	832	898	873	900	938	1,004	954	987	975	1,036	1,017	1,001	994	1,074	1,005	1,061	1,032	1,030	1,033	1,068	1,097	1,160	1,190	1,216	1,292	1,359	1,370	1,366	1,352	1,300	1,236	1,216	1,147
Profit before tax	56	62	68	59	79	82	82	96	117	99	55	88	118	113	127	122	143	157	151	182	144	190	140	146	192	214	177	170	115	133	27	101	146	157	106	145	169	170	116	155	7	176	162	38	105	129	108	113	105	122	-190	111	88	-122	11
Tax	20	21	23	20	27	28	31	36	45	36	16	29	41	38	45	40	48	55	29	59	47	62	-14	31	65	73	52	43	39	46	11	36	52	55	33	50	58	59	40	54	2	61	48	15	35	45	38	39	21	32	-47	29	22	-30	4
Net profit	36	41	45	39	52	54	50	60	73	62	39	58	77	75	82	82	95	102	122	123	97	128	154	115	127	141	125	127	76	88	16	65	93	102	73	95	111	111	76	101	4	115	114	23	70	84	71	73	84	91	-144	82	65	-92	7
EPS ₹	4.96	4.50	4.96	4.27	4.57	4.80	4.45	5.32	6.42	5.53	3.42	5.17	0.68	0.67	0.72	0.73	0.84	0.90	1.08	1.08	0.82	0.96	1.15	0.86	0.94	1.05	0.93	0.94	0.57	0.65	0.12	0.48	0.69	0.75	0.54	0.70	0.82	0.82	0.50	0.56	0.02	0.64	0.63	0.13	0.39	0.46	0.39	0.40	0.47	0.50	-0.79	0.45	0.36	-0.51	0.04
Revenue YoY	—	—	—	—	27.3%	29.9%	32.5%	28.4%	21.4%	8.8%	7.8%	11.6%	16.8%	26.6%	37.0%	41.0%	49.0%	49.2%	40.8%	39.5%	23.0%	19.0%	19.5%	17.3%	13.5%	11.8%	8.8%	9.2%	8.3%	9.9%	3.2%	1.0%	8.6%	6.4%	4.3%	9.5%	4.6%	11.3%	6.7%	5.5%	13.8%	-0.1%	9.9%	5.3%	2.1%	10.7%	14.6%	15.4%	18.8%	13.8%	15.6%	4.6%	-2.9%	-4.8%	-10.4%
Profit YoY	—	—	—	—	44.8%	33.1%	12.1%	55.6%	40.4%	15.2%	-23.2%	-2.8%	6.1%	20.7%	111.7%	41.2%	23.3%	35.7%	49.1%	49.2%	2.3%	25.4%	26.1%	-6.7%	30.5%	10.2%	-19.0%	10.3%	-39.8%	-37.8%	-86.9%	-48.4%	22.4%	15.6%	347.1%	45.6%	18.4%	9.6%	3.5%	6.7%	-96.1%	3.3%	51.0%	-77.3%	1523.4%	-27.1%	-38.2%	218.0%	20.5%	8.0%	-303.8%	11.5%	-23.0%	-201.2%	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 15 periods

	MAR '22	JUN '22	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	—	—	12.9%	15.7%	12.1%	13.2%	12.9%	13.3%	12.9%	13.2%	12.8%	13.1%	12.8%	13.3%	13.1%
Net margin	0.6%	2.0%	10.1%	11.4%	10.6%	11.1%	11.2%	11.4%	11.5%	11.5%	11.6%	11.7%	12.3%	12.7%	13.0%
EBITDA margin	15.8%	13.6%	19.0%	20.3%	18.4%	18.0%	18.3%	18.4%	20.1%	21.1%	20.7%	20.9%	20.0%	19.3%	20.4%
Asset turnover	—	—	0.08	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.08	0.08	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	209	262	262	262	262	262	262
Reserves	6,880	8,562	9,133	9,839	10,375	11,143	11,815
Total equity	7,089	8,824	9,395	10,100	10,636	11,404	12,077
Deposits	97,085	1,01,919	1,05,451	1,07,522	1,15,631	1,23,341	1,37,275
Borrowings	5,898	3,912	2,609	4,300	6,647	3,927	3,681
Total assets	1,12,743	1,17,412	1,20,364	1,24,655	1,36,039	1,41,756	1,56,189
Advances	72,588	78,061	82,174	85,682	90,196	99,260	1,08,388
Investments	25,929	23,977	21,788	21,777	30,705	27,327	27,709
Fixed assets	886	966	989	1,018	1,024	1,043	1,040
Cash & bank balances	8,148	10,022	10,945	12,260	10,085	10,141	15,020

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY23	FY24	FY25	FY26
Cash from operations	4,352	-7,261	7,075	-2,353	3,907
Cash from investing	-1,741	-386	-1,986	4,434	-5,465
Cash from financing	-175	3,524	-2,148	157	-561
Capex	102	113	182	158	141
Free cash flow	4,250	-7,374	6,893	-2,511	3,766
Dividends paid	0	0	63	78	105

Where the assets sit

Sep '26 · ₹ crore

Advances

₹1,08,388 cr69%

Investments

₹27,709 cr18%

Fixed assets

₹1,040 cr1%

Cash & bank

₹15,020 cr10%

Other assets

₹4,032 cr3%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
The South Indian Bank Limited	15,128	57.75	9.5	1.25	13.1%

StoxGud checklist: Bullish setup · 8/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+21.7%

6 months+38.3%

1 year+47.7%

3Y CAGR+32.9%

5Y CAGR+43.7%

10Y CAGR+9.6%

50-day avg₹49.45

200-day avg₹44.09

RSI (14)68

FAQs

What is the share price of The South Indian Bank Limited?

The South Indian Bank Limited (SOUTHBANK) closed at ₹57.75 on NSE on 06 Nov 2026.

What is the market cap of The South Indian Bank Limited?

₹15,128 crore at the latest close.

What is the P/E ratio of The South Indian Bank Limited?

9.5, on trailing-twelve-month earnings from its filings.

How fast is The South Indian Bank Limited growing?

The South Indian Bank Limited: revenue has compounded at 13.8% a year over three years; net profit at 23.4% a year. Latest-quarter revenue is up 11.7% year on year, profit up 21.3%.

How profitable is The South Indian Bank Limited?

On a trailing-twelve-month basis return on equity is 13.1%, operating margin 20.4%, net margin 13.0%.

How much debt does The South Indian Bank Limited have?

Debt to equity isn't meaningful for The South Indian Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from The South Indian Bank Limited's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '21, annual from FY22, balance sheet from Sep '23. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.