Company profile / SOUTHINDIANBANK

South Indian Bank

Financial Services · 1 quarter tracked · source-linked performance and management context.

Research layer active
PositiveDelivery assessment incompleteLatest record q4-fy26

Latest revenue

Pending

verified financial record

Quarters tracked

1

source records in the directory

Delivery assessment

Unscored

No scored management commitments are present yet.

Call date

2026-04-??

latest available source date

Signal trajectory

1 actual quarter
PAT (₹ Cr)PositiveWatchNegative
1 actual records
Actual quarterly PAT (₹ Cr) trajectoryReported values plotted by quarter. Hover or focus a point for its quarter, value, and source sentiment.Q4 FY26: 3,174 · Positive source sentiment · 2026-04-??Q4 FY263,1743,174
Values are taken from the available verified source records; sentiment color is a separate source-read indicator.

Current read

Unscored

No scored management commitments are present yet.

Latest source read

What changed this quarter?

Open quarter read

South Indian Bank reported a strong Q4 FY26 with net profit of ₹408 crore (up 19% YoY) and full-year PAT of ₹1,455 crore (up 12% YoY). Asset quality improved sharply: gross NPA fell 177 bps YoY to 1.43% and net NPA to 0.29%. Slippage ratio was a record low 15 bps for the quarter. Growth was driven by a 46% surge in gold loans (now ₹24,729 crore) and a shift toward retail/MSME. NIM improved to 2.95% on better mix. Management guided for 15-16% loan growth in FY27 and expects NIM to widen further. Key risk: credit costs may rise from current unsustainably low levels (3 bps this quarter) due to geopolitical uncertainties.

Colored figures compare against the previous available record. Hover or focus one for the comparison.

Signal

Positive

Revenue

Pending

Source date

2026-04-??

Across the record

Quarter history.

1 source records

History modules

Follow the numbers and themes.

Revenue history PAT history Margin trend Guidance tracker Bear-case history Language trends FY26 summary