Annual Results Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Interest Earned
9,846.50
9,413.31
8,612.80
7,233.18
6,586.54
7,305.45
7,763.80
Income On Investments
1,789.48
1,592.05
1,551.61
1,285.73
1,039.81
1,309.00
1,391.06
Interest On Balances With Rbi Other Inter Bank Funds
209.29
167.23
87.64
132.10
333.73
47.85
39.97
Interest / Discount On Advances / Bills
7,756.91
7,529.08
6,891.04
5,712.15
5,069.34
5,767.63
6,159.17
Others
90.82
124.95
82.51
103.20
143.66
180.97
173.60
Other Income
2,009.49
1,813.43
1,515.52
812.63
1,034.10
1,229.17
1,045.75
Total Income
11,855.99
11,226.74
10,128.32
8,045.81
7,620.64
8,534.62
8,809.55
Interest Expended
6,409.14
5,927.67
5,280.75
4,221.10
4,346.78
4,898.54
5,446.30
Net Interest Income
3,437.36
3,485.64
3,332.05
3,012.08
2,239.76
2,406.91
2,317.50
Total Expenditure (Excl Depreciation)
3,073.48
3,028.99
2,979.90
2,317.38
2,026.29
1,974.48
1,717.61
Employee Cost
1,620.70
1,652.70
1,692.85
1,300.36
1,197.89
1,234.49
941.35
Other Operating Expenses
1,452.78
1,376.29
1,287.05
1,017.02
828.40
739.99
776.26
Operating Profit Before Provisions and Contingencies
2,373.37
2,270.08
1,867.67
1,507.33
1,247.57
1,661.60
1,645.64
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
417.33
513.19
338.92
399.12
1,339.56
1,574.94
1,496.09
Profit Before Tax
1,956.04
1,756.89
1,528.75
1,108.21
-91.99
86.66
149.55
Tax
500.90
454.01
458.67
333.12
-136.97
24.75
44.96
Profit After Tax
1,455.14
1,302.88
1,070.08
775.09
44.98
61.91
104.59
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,455.14
1,302.88
1,070.08
775.09
44.98
61.91
104.59
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
10,828.42
9,469.84
8,215.27
6,113.00
5,330.97
5,280.90
4,972.73
Earnings per share (EPS)
5.56
4.98
4.09
3.4
0.2
0.27
0.53
Diluted Earnings per share
5.55
4.98
5.09
3.4
0.19
0.31
0.53
Operating Profit Margin (Excl OI)
64.55%
62.37%
61.47%
62.44%
48.9%
51.41%
58.61%
Gross Profit Margin
19.87%
18.66%
17.75%
15.32%
-1.4%
1.19%
1.93%
PAT Margin
14.78%
13.84%
12.42%
10.72%
0.68%
0.85%
1.35%
Net Interest Margin
0.0%
3.24%
3.31%
3.3%
2.62%
2.71%
2.66%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
31.37%
32.08%
32.98%
33.21%
29.73%
25.0%
CASA Amount
0.00
33,729.00
32,693.00
30,227.00
29,601.00
24,590.00
20,760.00
Capital Adequacy Ratio (Total)
19.66%
19.31%
19.91%
17.25%
15.68%
15.42%
13.41%
Capital Adequacy Ratio (Tier 1)
0.0%
17.98%
17.65%
14.74%
13.22%
12.8%
10.8%
Provision Coverage Ratio (%)
0.0%
85.03%
79.1%
76.78%
69.55%
58.71%
54.2%
Amount of Gross NPAs
1,430.50
2,799.83
3,620.34
3,708.26
3,648.09
4,143.24
3,261.77
Amount of Net NPAs
287.93
790.52
1,134.58
1,293.61
1,777.77
2,734.52
2,150.78
% of Net NPAs
0.29%
0.92%
1.46%
1.86%
2.97%
4.71%
3.34%
% of Gross NPAs
1.43%
3.2%
4.5%
5.14%
5.9%
6.97%
4.98%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
1280.0
1321.0
1289.0
1270.0
1315.0
1424.0
Number of Branches
0.0
948.0
955.0
940.0
929.0
884.0
929.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2026 is 4.6% vs 9.29% in Mar 2025
Net Profit
YoY Growth in year ended Mar 2026 is 11.69% vs 21.76% in Mar 2025
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2026 is 4.55% vs 21.55% in Mar 2025
% of Net NPAs
YoY Growth in year ended Mar 2026 is -0.63% vs -0.54% in Mar 2025
% of Gross NPAs
YoY Growth in year ended Mar 2026 is -1.77% vs -1.30% in Mar 2025
Compare Annual Results Of South Ind.Bank With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
9,846.50
5,819.42
4,027.08
69.2%
Income On Investments
1,789.48
1,049.17
740.31
70.56%
Interest On Balances With Rbi Other Inter Bank Funds
209.29
54.63
154.66
283.1%
Interest / Discount On Advances / Bills
7,756.91
4,714.71
3,042.20
64.53%
Others
90.82
0.91
89.91
9880.22%
Other Income
2,009.49
877.07
1,132.42
129.11%
Total Income
11,855.99
6,696.49
5,159.50
77.05%
Interest Expended
6,409.14
3,292.15
3,116.99
94.68%
Net Interest Income
3,437.36
2,527.27
910.09
36.01%
Total Expenditure (Excl Depreciation)
3,073.48
1,549.11
1,524.37
98.4%
Employee Cost
1,620.70
794.49
826.21
103.99%
Other Operating Expenses
1,452.78
754.62
698.16
92.52%
Operating Profit Before Provisions and Contingencies
2,373.37
1,855.23
518.14
27.93%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
417.33
48.63
368.70
758.17%
Profit Before Tax
1,956.04
1,806.60
149.44
8.27%
Tax
500.90
469.05
31.85
6.79%
Profit After Tax
1,455.14
1,337.55
117.59
8.79%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,455.14
1,337.55
117.59
8.79%
Face Value
1.00
10.00
0.00
Reserves
10,828.42
9,951.81
876.61
8.81%
Earnings per share (EPS)
5.56
84.47
-78.91
-93.42%
Diluted Earnings per share
5.55
84.47
-78.92
-93.43%
Operating Profit Margin (Excl OI)
64.55%
72.54%
0.00
-7.99%
Gross Profit Margin
19.87%
31.04%
0.00
-11.17%
PAT Margin
14.78%
22.98%
0.00
-8.20%
Net Interest Margin
0.00%
3.98%
-3.98
-3.98%
Return on Assets
0.00%
1.93%
-1.93
-1.93%
CASA (%)
0.00%
28.14%
-28.14
-28.14%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
19.66%
33.73%
-14.07
-14.07%
Capital Adequacy Ratio (Tier 1)
0.00%
32.27%
-32.27
-32.27%
Provision Coverage Ratio (%)
0.00%
96.14%
-96.14
-96.14%
Amount of Gross NPAs
1,430.50
388.21
1,042.29
268.49%
Amount of Net NPAs
287.93
97.41
190.52
195.59%
% of Net NPAs
0.29%
0.18%
0.11
0.11%
% of Gross NPAs
1.43%
0.73%
0.70
0.70%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
622.00
-622.00
-100.0%
Annual - Interest Earned
Interest Earned 9846.5 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is 4.6% vs 9.29% in Mar 2025
Annual - Net Profit
Net Profit 1,455.14 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is 11.69% vs 21.76% in Mar 2025
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,373.37 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is 4.55% vs 21.55% in Mar 2025
Annual - % of Net NPAs
% of Net NPAs 0.29%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -0.63% vs -0.54% in Mar 2025
Annual - % of Gross NPAs
% of Gross NPAs 1.43%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -1.77% vs -1.30% in Mar 2025
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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