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The South Indian Bank share price & results

The South Indian Bank Limited· Financial Services

Results to
Sept 2026
Latest analysed call
Q2 FY27
Ownership as of
Sept 2026

Kerala-headquartered old private-sector bank with a pan-India branch network across retail, MSME, agri and corporate lending.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue2,796 ₹ crore+16.2% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit426 ₹ crore+21.0% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity13.12 %−0.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)10.39 %−4.7 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

6 of 14 judged targets kept · 11 open · verdicts reflect calls analysed to Q2 FY27.

The South Indian Bank Limited management guidance track record on Inve: 25 targets tracked across analysed earnings calls (6 achieved, 8 missed, 11 open).

TargetOriginal wordingSaidLatest callVerdict
NIM Trajectorybottom in Q2, spreads widen in Q3
Call transcript, Q1 FY26 · 18 Jul 2025		Q1 FY26Q2 FY27:NIM improved further to 3.33%, continuing the strong recovery trend well beyond the original promise.
Call transcript, Q2 FY27 · 16 Oct 2026		Achieved
MSME Growthclose to about 15% to 18%
Call transcript, Q1 FY26 · 18 Jul 2025		Q1 FY26Q2 FY27:The FY26 target remains missed. Management acknowledged the challenge in achieving desired MSME growth traction.
Call transcript, Q2 FY27 · 16 Oct 2026		Missed
Corporate Book as % of Total Advancesbring the corporate book down to about third of our total book
Call transcript, Q2 FY26 · 17 Oct 2025		Q2 FY26Q2 FY27:New management revised the target to ~35% corporate (from ~33%) while the actual share remains high at 39%. The lack of progress and dilution of the target confirms the at-risk status.
Call transcript, Q2 FY27 · 16 Oct 2026		Revised Down

Source: Inve Guidance Tracker for The South Indian Bank Limited · to Q2 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

8 of The South Indian Bank Limited's 25 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 22 more targets are in the full ledger.

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Price

₹54.31 +3.06% · +₹1.61

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance +42.5% 1Y

₹35.0₹40.0₹45.0₹50.0₹55.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 24 Oct 2025Q3 FY26 — 16 Jan 2026Q4 FY26 — 7 May 2026Q1 FY27 — 17 Jul 2026Q2 FY27 — 16 Oct 2026

1Y: ₹38.11 on 24 Oct 2025 → ₹54.31. High ₹55.75 (22 Oct 2026), low ₹33.6 (23 Mar 2026).

Previous close
₹52.7
Market cap
₹14.6k Cr
52-week range
₹33.6 – ₹55.75
One year
+42.25%
Price to earnings (TTM to Sept 2026)
9.21×
Return on equity (TTM to Sept 2026)
13.12%

Overview

Symbol
NSE:SOUTHBANK
Exchange
NSE
Currency
INR

What The South Indian Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

The South Indian Bank Limited is an old private-sector bank offering retail, MSME, agricultural and corporate banking through a pan-India branch and ATM network, alongside NRI banking and remittance services drawing on its strong base among the Kerala diaspora. It earns primarily through interest income on advances (retail, gold, mortgage, auto, personal and business loans) and deposit mobilisation (CASA and term deposits), supplemented by fee income and treasury operations. The bank has been shifting its loan mix away from large corporate exposure toward granular retail and MSME lending, and has built a suite of in-house straight-through-processing (STP) digital lending platforms to speed up loan origination.

Segments

  • Corporate Banking
  • MSME / B-Segment
  • Agriculture
  • Retail / Personal Segment
Branches
948
Employees
9,239
States/UTs covered
26 states / 4 union territories
Customers
8.2 million
ATMs / cash recyclers (CRM)
1,269
Geographic loan-book split
Kerala, rest of South India and rest of India each contributing a meaningful share (no single region dominant)
Founded 1929Headquarters Thrissur, KeralaEmployees 9,239 (Q3 FY26 (December 2025)) Company website

How the price took the results

close before → close after

Q2 FY27
−0.1%
16 Oct
Q1 FY27
−1.7%
17 Jul
Q4 FY26
−1.8%
7 May
Q3 FY26
+3.6%
16 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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