The South Indian Bank Limited, Fundamental analysis

The South Indian Bank Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	12
Equity Latest Equity	261.81
Face Value Latest Face Value	1
Reserves Total Reserve	11142.61
Dividend Full Year Dividend %	45
Sales Turnover Full Year Net Sales	11855.28
Net Profit Full Year Net Profit	1455.64
Full Year CPS Full Year Cash Per Share	5.6
Earning Per Share Full Year Earning Per Share	5.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2945.32
Previous EPS Previous earnings per share	0
Book Value Book value	43.6
Networth Full Year Return on Networth	13.76
Price/Book Value Price to Book value	1.009174
Yearly PE ratio Full Year Price to Earning per share	7.9
Yearly PC ratio Full Year Price to Cash Per Share	7.9
Bse value BSE Value in lakhs	2123.28
Nse value NSE Value in lakhs	31867.69
High 52 week high	50
Low 52 week low	28
Price NSE Current market price	44
CPM Current market price	44

Market cap BSE / NSE Market Cap	11433.09
Net profit Latest Quarter Net Profit	407.4
Net profit variance Latest Quarter Net Profit variance	19
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	10796.81
TTM OP Trailing Twelve 12 month Operating Profit	7348.52
TTM OPM Trailing Twelve 12 month Operating Profit Margin	68.06
TTM GP Trailing Twelve 12 month Gross Profit	1956.51
TTM GPM Trailing Twelve 12 month Gross Profit Margin	16.5
TTM NP Trailing Twelve 12 month Net Profit	1211.4
TTM NPV Trailing Twelve 12 month Net Profit Variane	11.56
TTM EPS Trailing Twelve 12 month EPS	5.56
TTM PE Trailing Twelve 12 month PE	7.85
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	261.81
LTP Latest Price (BSE/NSE)	44
Gross block Latest Gross Block	1963.82
Loans Total loans	107522.22
Advances Latest Advances for Banks	85682.07
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	53.6
Year GPM Full Year Gross Profit Margin	16.5
Quarter OPM Latest quater Operation Profit Margin	74.4

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	2,314	2,355	2,371	2,373	2,362	2,407	2,518	2,559
YOY Sales Growth %	14%	11%	9%	4%	2%	2%	6%	8%
Gross Sales	2,314	2,355	2,371	2,373	2,362	2,407	2,518	2,559
+ Expenses	893	852	815	981	1,021	852	862	755
Manufacturing Cost %	15%	13%	14%	15%	15%	15%	14%	14%
Employee Cost %	18%	18%	18%	17%	18%	18%	17%	14%
Other Cost %	5%	5%	3%	9%	10%	3%	3%	1%
Other Manufacturing Expenses %	15%	13%	14%	15%	15%	15%	14%	14%
Provisions & Contingencies %	5%	5%	3%	9%	10%	3%	3%	1%
Operating Profit	1,422	1,503	1,555	1,392	1,341	1,555	1,655	1,805
OPM %	61%	64%	66%	59%	57%	65%	66%	71%
+ Other Income	422	410	409	572	622	516	486	386
Miscellaneous Income	422	410	409	572	622	516	486	386
Interest / Discount on Advances or Bills	1,841	1,878	1,895	1,914	1,883	1,875	1,963	2,036
Interest on Investments	408	393	404	386	364	456	498	472
Interest on Balances with RBI	29	52	46	39	56	61	48	44
Other Interest	35	31	25	33	60	15	9	8
Interest	1,449	1,472	1,501	1,505	1,530	1,598	1,637	1,644
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	395	440	463	459	433	473	504	547
+ Tax %	26%	26%	26%	25%	26%	26%	26%	25%
Current Tax	101	116	121	117	111	121	130	139
+ Net Profit	294	325	342	342	322	352	374	407
Net Profit After Minority Interest	294	325	342	342	322	352	374	407
EPS in Rs	1.12	1.24	1.31	1.31	1.23	1.34	1.43	1.56

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	5,557	5,847	6,193	6,877	7,764	7,305	6,587	7,233	8,613	9,413
Sales Growth %		5%	6%	11%	13%	-6%	-10%	10%	19%	9%
Gross Sales	5,557	5,847	6,193	6,877	7,764	7,305	6,587	7,233	8,613	9,413
+ Expenses	1,517	1,791	2,303	2,365	3,214	3,549	3,366	2,715	3,318	3,542
Manufacturing Cost %	0%	0%	0%	1%	1%	1%	1%	1%	1%	1%
Employee Cost %	12%	12%	12%	12%	12%	17%	18%	18%	20%	18%
Other Cost %	15%	19%	25%	22%	29%	31%	32%	19%	18%	19%
Other Manufacturing Expenses %	0%	0%	0%	1%	1%	1%	1%	1%	1%	1%
Selling & Administration %	4%	4%	4%	4%	4%	4%	5%	5%	5%	5%
Miscellaneous Expenses %	9%	14%	20%	17%	24%	26%	26%	12%	12%	13%
Provisions & Contingencies %	7%	11%	16%	12%	19%	21%	20%	6%	4%	5%
Operating Profit	4,040	4,056	3,890	4,511	4,550	3,756	3,221	4,518	5,295	5,872
OPM %	73%	69%	63%	66%	59%	51%	49%	62%	61%	62%
+ Other Income	517	716	837	726	1,046	1,229	1,034	811	1,515	1,813
Miscellaneous Income	517	716	837	726	1,046	1,207	1,034	811	1,515	1,813
Interest / Discount on Advances or Bills	4,364	4,447	4,769	5,397	6,159	5,768	5,069	5,712	6,891	7,529
Interest on Investments	1,008	1,233	1,270	1,286	1,391	1,309	1,040	1,286	1,552	1,592
Interest on Balances with RBI	29	24	19	36	40	48	334	132	88	167
Other Interest	157	142	135	158	174	181	144	103	83	125
Interest	4,048	4,172	4,227	4,857	5,446	4,899	4,347	4,221	5,281	5,928
Depreciation	67	65	64	70	78	83	84	87	90	102
Profit before tax	510	600	500	381	150	87	-92	1,108	1,529	1,757
+ Tax %	35%	35%	33%	35%	30%	29%	149%	30%	30%	26%
Current Tax	143	199	142	139	86	67	-6	120	373	426
Deferred Tax	33	9	23	-6	-41	-42	-131	213	85	28
+ Net Profit	333	393	335	248	105	62	45	775	1,070	1,303
Profit Growth %		18%	-15%	-26%	-58%	-41%	-28%	1630%	38%	22%
Net Profit After Minority Interest	0	0	0	0	0	0	45	775	1,070	1,303
EPS in Rs							0.21	3.70	4.09	4.98

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	135	180	181	181	181	209	209	209	262	262
Reserves	3,707	4,665	5,060	5,154	5,294	5,598	5,645	6,465	8,565	9,846
+ Borrowings	58,336	68,075	76,073	85,323	89,927	86,819	92,436	98,644	105,831	111,823
Secured Borrowings	2,615	1,958	4,043	4,903	6,893	4,108	3,294	6,994	3,912	4,300
Unsecured Borrowings	55,721	66,117	72,030	80,420	83,034	82,711	89,142	91,650	101,919	107,522
Deferred Credit	1,157	84	482	1,313	2,245	296	213	179	197	164
+ Other Liabilities	1,297	1,391	1,372	1,621	1,631	1,523	1,761	2,379	2,755	2,724
Current Liabilities	1,341	1,442	1,449	1,758	1,729	1,622	1,901	2,690	2,980	2,928
Provisions	68	0	0	0	0	0	0	0	0	0
Equity Application Money	4	3	2	2	3	2	0	0	0	0
Total Liabilities	63,475	74,312	82,686	92,279	97,033	94,149	100,052	107,697	117,412	124,655
+ Fixed Assets	467	618	642	677	776	755	752	754	821	1,018
Gross Block	765	968	1,051	1,152	1,319	1,352	1,417	1,468	1,591	1,964
Accumulated Depreciation	298	350	409	475	543	598	665	714	770	946
CWIP	20	38	39	32	24	41	59	124	145	0
Investments	14,744	19,430	18,363	19,081	20,625	20,321	21,445	24,641	23,977	21,777
+ Other Assets	48,244	54,226	63,642	72,489	75,608	73,033	77,796	82,178	92,469	101,860
Cash Equivalents	3,274	3,888	4,221	4,823	4,190	8,768	11,203	7,080	10,022	12,260
Loans n Advances	45,016	50,392	59,500	67,806	71,518	64,366	66,732	75,409	82,673	89,804
Other asset items	-47	-53	-79	-140	-101	-101	-140	-312	-225	-204
Total Assets	63,475	74,312	82,686	92,279	97,033	94,149	100,052	107,697	117,412	124,655

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	109	1,957	793	1,678	656	5,808	5,165	-7,261	7,075	-2,353
Profit from Operations							2,028	2,518	2,333	2,720
Working Capital Changes							3,177	-9,560	5,292	-4,731
Profit Before Tax & Extraordinary Items	333	393	335	248	105	62	-92	1,109	1,529	1,757
Depreciation	67	65	64	70	78	83	84	87	90	102
Interest (Net)	35	50	66	97	139	176	175	175	176	140
Profit / Loss on Sale of Assets	0	1	-1	0	0	0	0	0	0	2
Provisions & Write-offs (Net)	566	852	1,195	1,059	1,601	1,670	1,861	1,146	538	719
Loans & Advances	-4,066	-6,006	-8,728	-8,814	-2,772	4,971	-3,100	-10,434	-8,662	-8,195
Change in Borrowing	82	-657	1,596	610	1,490	-2,585	0	0	0	0
Change in Deposits	3,808	10,397	5,912	8,391	2,614	-323	6,431	2,508	10,269	5,603
Direct Taxes Paid	-238	-313	-117	-137	-129	98	-40	-219	-550	-342
+ Cash from Investing Activity	-1,398	-1,842	-824	-1,175	-1,577	-1,092	-1,741	-386	-1,986	4,434
Purchase of Fixed Assets	-76	-123	-89	-98	-84	-81	-102	-113	-182	-158
Sale of Fixed Assets	1	1	1	0	3	6	65	4	8	2
Purchase of Investments	-1,323	-1,720	-735	-1,077	-1,497	-1,017	-1,704	-277	-1,811	0
Sale of Investments	0	0	0	0	0	0	0	0	0	4,590
+ Cash from Financing Activity	168	498	364	98	289	-138	-989	3,524	-2,148	157
Proceeds from Issue of Shares	0	634	11	2	0	240	0	0	1,151	0
Proceeds from Other Long-Term Borrowings	0	0	0	250	500	0	0	3,699	0	1,138
Redemption of Debentures	0	0	0	0	0	0	0	0	0	-750
Repayment of Long-Term Borrowings	0	0	0	0	0	-200	-814	0	-3,082	0
Dividend Paid	-98	-81	-87	-87	-55	0	0	0	-63	-78
Interest Paid							-175	-175	-145	-154
Others	300	-5	490	0	0	0	0	0	-9	0
Net Cash Flow	-1,121	613	333	602	-633	4,578	2,436	-4,123	2,942	2,238