| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 3,264 | 2,923 | +11.7% |
| Net interest income | 1,116 | 809 | +38.0% |
| Operating profit | 733 | 536 | +36.7% |
| Net profit | 426 | 352 | +21.3% |
| EPS | ₹1.63 | ₹1.34 | +21.6% |
Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
| 14,303 | — | — | — | — | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |
| 10,501 | 9,847 | 9,413 | 8,613 | 7,233 | ||
| — | +4.6% | +9.3% | +19.1% | — | ||
| 3,937 | 3,437 | 3,486 | 3,332 | — | ||
| — | −1.4% | +4.6% | — | — | ||
| 2.6% | 2.6% | 2.9% | 2.8% | — | ||
| 2,490 | 2,374 | 2,270 | 1,868 | 1,508 | ||
| 1,586 | 1,456 | 1,303 | 1,070 | 775 | ||
| — | +11.7% | +21.8% | +38.0% | — | ||
| ₹6.06 | ₹5.56 | ₹4.98 | ₹4.09 | ₹2.96 | ||
| — | +11.7% | +21.8% | +38.0% | — | ||
| 13.5% | 13.5% | 13.8% | 12.1% | — | ||
Balance sheet & asset quality | ||||||
| 1,37,275 | 1,23,341 | 1,07,522 | 1,01,919 | — | ||
| 1,08,388 | 99,260 | 85,682 | 78,061 | — | ||
| — | 1.4% | 3.2% | 4.5% | 5.1% | ||
| — | 0.3% | 0.9% | 1.5% | 1.9% | ||
From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY23 31/03/2023 | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Current/LTM TTM · last close | |
|---|---|---|---|---|---|---|
| Market Capitalization | — | — | — | — | 14,302.6 | |
| Interest Earned | 7,233.2 | 8,612.8 | 9,413.3 | 9,846.5 | 10,500.5 | |
| Growth %, YoY | — | +19.1 | +9.3 | +4.6 | — | |
| Net Interest Income | — | 3,332.1 | 3,485.6 | 3,437.4 | 3,936.6 | |
| Growth %, YoY | — | — | +4.6 | -1.4 | — | |
| NIM %, on assets | — | 2.84 | 2.88 | 2.58 | 2.58 | |
| Operating Profit (PPOP) | 1,507.6 | 1,867.8 | 2,270.3 | 2,373.9 | 2,490.1 | |
| Net Income | 775.3 | 1,070.2 | 1,303.1 | 1,455.6 | 1,585.9 | |
| Growth %, YoY | — | +38.0 | +21.8 | +11.7 | — | |
| EPS, Adj (current shares) | 2.96 | 4.09 | 4.98 | 5.56 | 6.06 | |
| Growth %, YoY | — | +38.0 | +21.8 | +11.7 | — | |
| ROE % | — | 12.13 | 13.77 | 13.54 | 13.54 | |
| Balance Sheet & Asset Quality | ||||||
| Deposits | — | 1,01,919.1 | 1,07,522.2 | 1,23,340.9 | 1,37,274.9 | |
| Advances | — | 78,060.7 | 85,682.1 | 99,259.8 | 1,08,388.2 | |
| Gross NPA % | 5.14 | 4.50 | 3.20 | 1.43 | — | |
| Net NPA % | 1.86 | 1.46 | 0.92 | 0.29 | — | |
Prices at the 29 October 2026 close · figures from the company's filings with NSE
South Indian Bank (NSE: SOUTHBANK) had a market capitalisation of ₹14,819 crore at the 29 October 2026 close (₹56.57 a share), a PE ratio of 9.3 on the last four quarters' profit and a price-to-book ratio of 1.23. In FY26 its standalone net profit was ₹1,455 crore on net interest income of ₹3,437 crore; in Q2 FY27 (July–September 2026) it was ₹426 crore, up 21.3% year on year. Gross NPAs were 1.24% of advances on 30 September 2026.
South Indian Bank's PE ratio is 9.3 at the 29 October 2026 close (₹56.57 a share): a market capitalisation of ₹14,819 crore divided by consolidated net profit of ₹1,586 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹1,456 crore) it is 10.2.
South Indian Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹12,077 crore on 30 September 2026, up 13.5% from ₹10,636 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹14,819 crore at the 29 October 2026 close.
In FY26, South Indian Bank's return on equity (ROE) was 13.5%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 13.8%.
South Indian Bank's price-to-book (PB) ratio is 1.23 at the 29 October 2026 close: a market capitalisation of ₹14,819 crore divided by shareholders' equity (book value) of ₹12,077 crore on 30 September 2026. That is a book value of ₹46.11 per share against a share price of ₹56.57.
South Indian Bank's book value per share was ₹46.11 on 30 September 2026: shareholders' equity of ₹12,077 crore divided by the 261.95 crore shares in issue, up 13.4% from ₹40.65 a year earlier. The share price at the 29 October 2026 close was ₹56.57.
On 30 September 2026, South Indian Bank's deposits were ₹1,37,279 crore, up 18.7% from a year earlier, and its advances (loans) were ₹1,08,388 crore, up 20.2% from a year earlier.
South Indian Bank's market capitalisation was ₹14,819 crore at the 29 October 2026 close: 261.95 crore shares at ₹56.57 each.
South Indian Bank's basic earnings per share (EPS) were ₹5.56 in FY26, against ₹4.98 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹6.06.
South Indian Bank's common equity tier 1 (CET1) ratio was 18.71% on 30 September 2026.
South Indian Bank's gross non-performing assets (NPAs) were ₹1,355 crore, 1.24% of gross advances, on 30 September 2026 (2.93% a year earlier). Net NPAs were 0.09% of net advances (0.56% a year earlier).
South Indian Bank's credit-deposit ratio was 79.0% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
South Indian Bank's dividend yield is 0.80% at the 29 October 2026 close: dividends of ₹0.45 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹56.57. They were ₹0.45 on 13 August 2026.
In 2026, South Indian Bank has declared one dividend: ₹0.45 with record date 13 August 2026.
South Indian Bank has no promoter group: on 30 September 2026 promoters held 0% of its shares, according to the shareholding pattern filed with NSE. Foreign portfolio investors held 25.57% and domestic institutions 16.78%.
South Indian Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.
On 30 September 2026, South Indian Bank's shares were held by foreign portfolio investors (FII/FPI) 25.57%, domestic institutions (DII) 16.78% (including mutual funds at 15.13%) and retail and other non-institutional investors 57.65%. Over the year, FII holding was up 7.66 percentage points from 17.91% and DII holding was up 4.86 percentage points from 11.92%.
At the 29 October 2026 closing prices, on FY26 net profit, South Indian Bank's PE ratio is 10.2, the lowest of the four: Federal Bank 19.8, City Union Bank 17.0 and Karur Vysya Bank 13.7, a peer average of 16.8. Each is the company's market capitalisation at that price divided by its FY26 net profit.
In FY26, South Indian Bank earned net profit of ₹1,456 crore, against ₹4,345 crore for Federal Bank. South Indian Bank's return on equity was 13.5% (Federal Bank 11.4%) and its gross NPA ratio 1.43% (Federal Bank 1.62%). At the 29 October 2026 close, South Indian Bank's market capitalisation was ₹14,819 crore against ₹85,988 crore for Federal Bank, and its PE ratio on FY26 profit 10.2 against 19.8.
South Indian Bank's latest results are for Q2 FY27 (July–September 2026), filed on 15 October 2026: standalone net profit ₹426 crore, up 21.3% from ₹351 crore in Q2 FY26; net interest income ₹1,116 crore, up 38.0% year on year.
In FY26 (April 2025–March 2026), South Indian Bank's standalone net profit was ₹1,455 crore, up 11.7% from ₹1,303 crore in FY25, on net interest income of ₹3,437 crore (down 1.4%). Over three years, from FY23, net profit was up 87.7%.
On FY26 consolidated figures, against Federal Bank, City Union Bank and Karur Vysya Bank: South Indian Bank's return on equity of 13.5% is the second highest of the four (Federal Bank 11.4%, City Union Bank 13.2%, Karur Vysya Bank 19.3%; peer average 14.6%); its return on assets of 1.09% is the lowest of the four (Federal Bank 1.18%, City Union Bank 1.52%, Karur Vysya Bank 1.96%; peer average 1.55%); its gross NPA ratio of 1.43% is the third highest of the four (Federal Bank 1.62%, City Union Bank 1.91%, Karur Vysya Bank 0.75%; peer average 1.43%).
From South Indian Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.
Consolidated figures from the company's filings with NSE; prices are NSE closing prices.