Deposits
- Retail Deposit grew by Rs. 14,938 Cr. from Rs. 1,09,368 Cr. to Rs. 1,24,306 Cr., showing an increase of 13.66% on Y-o-Y basis
- NRI Deposit grew by Rs. 4,139 Cr. from Rs. 32,293 Cr. to Rs. 36,432 Cr., showing an increase of 12.82% on Y-o-Y basis
- CASA grew by 14.61% on Y-o-Y basis with growth in Savings Bank by 16.51% and Current Account by 6.95% respectively
Advances
- Gross advances grew by Rs. 15,170 Cr. from Rs. 89,198 to Rs. 1,04,368 Cr., showing an increase of 17.01% on Y-o-Y basis
- Corporate Segment grew by Rs. 4,594 Cr. from Rs. 37,110 Cr. to Rs. 41,704 Cr. showing an increase of 12.38% on Y-o-Y basis, in well rated borrower accounts
- Gold Loan portfolio grew by Rs. 7,484 Cr. from Rs. 17,446 Cr. to Rs. 24,930 Cr. showing an increase of 42.90% on Y-o-Y basis
- Business Segment grew by Rs. 1,731 Cr. from Rs. 12,660 Cr. to Rs. 14,391 Cr. showing an increase of 13.67% on Y-o-Y basis
- Mortgage loan grew by Rs. 2,578 Cr. from Rs. 3,278 Cr. to Rs. 5,856 Cr. showing an increase of 78.65 % on Y-o-Y basis
- Vehicle Loan Segment went up by Rs. 280 Cr. from Rs. 2,217 Cr. to Rs. 2,497 Cr., showing an increase of 12.63% on Y-o-Y basis
- 98.81% of large corporate segments are rated A and above
Y-o-Y growth Rs. in Crore
| Quarter Ended | Quarter Ended | |||
| 30-06-2026 | 30-06-2025 | Growth | % | |
| Gross Advance | 1,04,368 | 89,198 | 15,170 | 17.01% |
| Retail Deposits | 1,24,306 | 1,09,368 | 14,938 | 13.66% |
| NRI Deposit | 36,432 | 32,293 | 4,139 | 12.82% |
| Current Deposits | 7,676 | 7,177 | 499 | 6.95% |
| Savings Deposits | 33,819 | 29,027 | 4,792 | 16.51% |
| CASA | 41,495 | 36,204 | 5,291 | 14.61% |
| CASA % | 32.98% | 32.06% | 0.92% | |
| Gross NPA % | 1.38% | 3.15% | -1.77% | |
| Net NPA % | 0.26% | 0.68% | -0.42% | |
| Net Interest Income | 1,025 | 833 | 192 | 23.05% |
| Other income | 379 | 622 | -243 | -39.07% |
| Operating Profit | 592 | 672 | -80 | -11.90% |
| Provisions excl. tax | 84 | 239 | -155 | -64.85% |
| Profit before tax | 507 | 433 | 74 | 17.09% |
| Net Profit after tax | 378 | 322 | 56 | 17.39% |
During the reporting period, the Bank witnessed consistent growth across all targeted segments, with a sharp focus on acquiring quality assets in verticals such as Corporate Lending, Auto Loans and Gold Loans.
Aligned with our strategic intent of ‘Profitability through Quality Credit Growth’, we have successfully onboarded new advances with low-risk profiles, ensuring a well-balanced and healthy credit portfolio.”
The Bank’s financial results include the financial results of its wholly owned subsidiary SIBOSL.
About South Indian Bank
South Indian Bank is a leading Kerala-based Private Sector Bank with a nationwide presence. The Bank’s shares are listed on The Stock Exchange Mumbai (BSE) and The National Stock Exchange of India Ltd., Mumbai (NSE). South Indian Bank has 953 branches, 2 Ultra Small Branches, 3 Satellite branches, 1148 ATMs and 126 CRMs across India, and a Representative Office in Dubai, UAE. South Indian Bank is a pioneer in technology-based banking, offering an array of digital products and services. It has one of the youngest workforces in the banking sector in the country.
