South Indian Bank Ltd.
The South Indian Bank Limited provides various banking products and services in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company's personal banking products and services include savings and current accounts, term deposits, and unclaimed deposits/inoperative accounts; personal, car, home, gold, educational, property, and other loans; loans against securities; one time settlement scheme for micro and small enterprises sector; wealth and mutual funds. It also offers insurance products, such as life, health, and various credit risk insurance, as well as general insurance products comprising fire, liability, marine, motor, personal accident, and travel insurance products. In addition, the company provides money transfer services; various cards; and value added services, including SIB rewardz, KYC certification of mutual fund investors, SIB e-academia, 3-in-one trading KIT, green pin, SIB feebook, branch banking, FX-retail, KYC updation, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and internet banking, demat, pension system, online trading, NPS lite, SIB collect, SIB travel card, PAN service agency, cash management, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. Its NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits; e-services; remittances and payments; money transfers; and value-added services, as well as portfolio investment schemes. The company's business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; and merchant acquiring services. It operates through a network of branches and ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Apr has averaged the highest return (+11.4%); Mar the lowest (-11.0%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.0%Neutral MonthJan 2026: -1.96% | +9.4%Positive MonthFeb 2026: +9.42% | -16.8%Negative MonthMar 2026: -16.83% | +15.4%Positive MonthApr 2026: +15.38% | +4.9%Positive MonthMay 2026: +4.89% | +10.3%Positive MonthJun 2026: +10.32% | +2.3%Positive MonthJul 2026: +2.30% | -0.9%*Neutral MonthAug 2026: -0.88% | β | β | β | β |
| 2025 | +3.4%Positive MonthJan 2025: +3.44% | -8.0%Negative MonthFeb 2025: -7.96% | -3.1%Negative MonthMar 2025: -3.15% | +10.4%Positive MonthApr 2025: +10.36% | +15.8%Positive MonthMay 2025: +15.83% | +4.4%Positive MonthJun 2025: +4.44% | -3.5%Negative MonthJul 2025: -3.54% | -1.5%Neutral MonthAug 2025: -1.55% | -1.0%Neutral MonthSep 2025: -0.96% | +26.4%Positive MonthOct 2025: +26.41% | +8.2%Positive MonthNov 2025: +8.16% | -3.2%Negative MonthDec 2025: -3.23% |
| 2024 | +30.0%Positive MonthJan 2024: +29.95% | -7.2%Negative MonthFeb 2024: -7.17% | -15.3%Negative MonthMar 2024: -15.30% | +12.8%Positive MonthApr 2024: +12.75% | -12.4%Negative MonthMay 2024: -12.41% | +0.0%Neutral MonthJun 2024: +0.00% | -0.7%Neutral MonthJul 2024: -0.71% | -4.2%Negative MonthAug 2024: -4.22% | -4.0%Negative MonthSep 2024: -4.02% | -0.4%Neutral MonthOct 2024: -0.37% | -0.9%Neutral MonthNov 2024: -0.94% | +3.0%Positive MonthDec 2024: +3.05% |
| 2023 | -4.3%Negative MonthJan 2023: -4.26% | -6.7%Negative MonthFeb 2023: -6.67% | -13.0%Negative MonthMar 2023: -12.98% | +12.3%Positive MonthApr 2023: +12.31% | +5.1%Positive MonthMay 2023: +5.05% | +11.7%Positive MonthJun 2023: +11.71% | +1.5%Neutral MonthJul 2023: +1.45% | +18.8%Positive MonthAug 2023: +18.77% | +17.0%Positive MonthSep 2023: +17.01% | -10.8%Negative MonthOct 2023: -10.78% | +2.0%Positive MonthNov 2023: +2.02% | +8.0%Positive MonthDec 2023: +8.01% |
| 2022 | +1.0%Neutral MonthJan 2022: +1.02% | -9.6%Negative MonthFeb 2022: -9.62% | -6.9%Negative MonthMar 2022: -6.93% | +6.0%Positive MonthApr 2022: +5.98% | +0.1%Neutral MonthMay 2022: +0.13% | -4.8%Negative MonthJun 2022: -4.76% | +3.6%Positive MonthJul 2022: +3.55% | +4.3%Positive MonthAug 2022: +4.32% | +15.7%Positive MonthSep 2022: +15.71% | +43.8%Positive MonthOct 2022: +43.79% | +23.4%Positive MonthNov 2022: +23.43% | +11.5%Positive MonthDec 2022: +11.51% |
| 2021 | β | β | β | β | β | +28.1%Positive MonthJun 2021: +28.06% | -18.6%Negative MonthJul 2021: -18.57% | -8.2%Negative MonthAug 2021: -8.19% | +3.7%Positive MonthSep 2021: +3.65% | -8.2%Negative MonthOct 2021: -8.22% | -7.0%Negative MonthNov 2021: -7.04% | +1.5%Neutral MonthDec 2021: +1.49% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 6 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ9.41 K Cr | β | βΉ1.30 K Cr | β | β | β | 9.3% | 21.8% |
| Mar 2024 | βΉ8.61 K Cr | β | βΉ1.07 K Cr | β | β | β | 19.1% | 38.1% |
| Mar 2023 | βΉ7.23 K Cr | β | βΉ775.00 Cr | β | β | β | 9.8% | 1622.2% |
| Mar 2022 | βΉ6.59 K Cr | β | βΉ45.00 Cr | β | β | β | -9.8% | -27.4% |
| Mar 2021 | βΉ7.30 K Cr | β | βΉ62.00 Cr | β | β | β | -5.9% | -41.0% |
| Mar 2020 | βΉ7.76 K Cr | β | βΉ105.00 Cr | β | β | β | 12.9% | -57.7% |
| Mar 2019 | βΉ6.88 K Cr | β | βΉ248.00 Cr | β | β | β | 11.0% | -26.0% |
| Mar 2018 | βΉ6.19 K Cr | β | βΉ335.00 Cr | β | β | β | 5.9% | -14.5% |
| Mar 2017 | βΉ5.85 K Cr | β | βΉ392.00 Cr | β | β | β | 5.2% | 17.7% |
| Mar 2016 | βΉ5.56 K Cr | β | βΉ333.00 Cr | β | β | β | 5.1% | 8.5% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,015 | 5,286 | 5,557 | 5,847 | 6,193 | 6,877 | 7,764 | 7,305 | 6,587 | 7,233 | 8,613 | 9,413 | 9,514 |
| Finance Costs | 3,616 | 3,920 | 4,048 | 4,172 | 4,227 | 4,857 | 5,446 | 4,899 | 4,347 | 4,221 | 5,281 | 5,928 | 6,135 |
| Total Expenses | 994 | 1,396 | 1,450 | 1,725 | 2,239 | 2,296 | 3,136 | 3,467 | 3,106 | 2,629 | 3,228 | 3,440 | 3,671 |
| Financing Profit | 405 | -30 | 59 | -50 | -274 | -276 | -818 | -1,060 | -866 | 383 | 104 | 45 | -292 |
| Financing Margin % | 8% | -1% | 1% | -1% | -4% | -4% | -11% | -15% | -13% | 5% | 1% | 0% | -3% |
| Other Income | 368 | 497 | 517 | 716 | 837 | 726 | 1,046 | 1,229 | 1,034 | 813 | 1,516 | 1,813 | 2,119 |
| Depreciation & Amortisation | 45 | -1 | 67 | 65 | 64 | 70 | 78 | 83 | 84 | 87 | 90 | 102 | 0 |
| Profit Before Tax | 729 | 468 | 510 | 600 | 500 | 380 | 150 | 87 | 84 | 1,108 | 1,529 | 1,757 | 1,827 |
| Tax % | 30% | 34% | 35% | 35% | 33% | 35% | 30% | 29% | 46% | 30% | 30% | 26% | - |
| Net Profit / PAT | 508 | 307 | 333 | 392 | 335 | 248 | 105 | 62 | 45 | 775 | 1,070 | 1,303 | 1,357 |
| EPS (βΉ) | 2.27 | 1.37 | 1.48 | 1.74 | 1.48 | 1.09 | 0.46 | 0.24 | 0.17 | 2.96 | 4.09 | 4.98 | 5.19 |
| Dividend Payout % | 21% | 26% | 20% | 18% | 22% | 18% | 0% | 0% | 0% | 8% | 7% | 8% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| South Indian Bank Ltd.this co. | βΉ10.58 K Cr | βΉ9.41 K Cr | 7.80 | 1.00 | 0.00 | 9.3% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
