| Metric | Value (₹ Cr) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 2.4K | 1.9% | 2.2% |
| Total Income | 2.9K | 2.1% | 4.2% |
| Expenditure | 2.4K | 3.3% | 205.5% |
| PBT | 472.58 | 9.1% | 7.3% |
| Net Profit | 351.59 | 9.1% | 8.3% |
| OPM | 22.26% | 6.21pp | 1.11pp |
| NPM | 12.03% | 1.23pp | 1.76pp |
| EPS | 1.34 | 8.9% | 1016.7% |
South Indian Bank Sets History with Highest Ever Quarterly Net Profit of Rs. 351 Crore
16 Oct 2025 · 16 Oct 2025, 02:51 pm
Summary
South Indian Bank has reported a net profit of Rs. 351.36 Crore for Q2 FY 2025-26, marking an 8% growth compared to Q2 FY 2024-25. The bank has seen a reduction in gross and net NPAs, an increase in non-interest income, and growth in advances and deposits. The bank's capital adequacy ratio stands at 17.70%, indicating a strong capital position.
Key Highlights
- 1
Net Profit of the Bank for quarter is up by 8% from Rs. 324.69 Cr. in Q2 FY25 to Rs. 351.36 Cr. in Q2 FY 26
- 2
Gross NPA reduced by 147 bps from 4.40% to 2.93% on Y-o-Y basis
- 3
Net NPA dropped by 75 bps from 1.31% to 0.56% on Y-o-Y basis
- 4
Non-Interest Income increased from Rs. 410.12 Cr. to Rs. 515.73 Cr., registering a growth of 26% on Y-o-Y basis
- 5
Deposits > Retail Deposit grew by Rs. 10,973 Cr. from Rs. 1,01,652 Cr. to Rs. 1,12,625 Cr., showing an increase of 11% on Y-o-Y basis
- 6
> NRI Deposit grew by Rs. 2,707 Cr. from Rs. 30,488 Cr. to Rs. 33,195 Cr., showing an increase of 9% on Y-o-Y basis
- 7
> CASA grew by 10% on Y-o-Y basis with growth in Savings Bank by 10% and Current Account by 11% respectively
- 8
> Gross Advances grew by Rs. 7,572 Cr. from Rs. 84,714 to Rs. 92,286 Cr., showing an increase of 9% on Y-o-Y basis
- 9
> Gold Loan portfolio went up by Rs. 2,236 Cr. from Rs. 16,609 Cr. to Rs. 18,845 Cr., showing an increase of 13% on Y-o-Y basis
- 10
> Housing Loan grew by Rs. 1,776 Cr. from Rs. 7,072 Cr. to Rs. 8,849 Cr. registering a growth of 25%
- 11
> Vehicle Loan grew by 25% Y-o-Y from Rs. 1,828 Cr. to Rs. 2,288 Cr. Y-o-Y growth Rs. in Crore | Quarter Ended Quarter Ended | 30-09-2025 30-09-2024 Growth % Gross Advance 92,286 84,714 7,572 9% Retail Deposits 1,12,625 1,01,652 10,973 11% NRI Deposit 33,195 30,488 2,707 9% Current Deposits 7,044 6,373 671 11% Savings Deposits 29,797 27,158 2,639 10% CASA 36,841 33,530 3,311 10% CASA % 31.86% 31.80% 0.06% Gross NPA % 2.93% 4.40% -1.47% Net NPA % 0.56% 1.31% -0.75% Net Interest Income | 808 882 -74 -8% Other income 515 410 105 26% Operating Profit 535 550 -15 -3% Provisions excl. tax | 63 110 -47 -43% Profit before tax 472 440 32 7% Net Profit after tax | 351 325 27 8%
Management Comments
Mr. P R Seshadri
MD & CEO of the Bank
The Bank’s well defined strategy continues to underpin its strong business performance during the period. The Bank recorded healthy growth across all major segments — including Corporate, MSME, Housing, Auto and Gold loans — with a steadfast focus on maintaining asset quality. The Bank successfully onboarded fresh advances with a low risk profile. This approach reflects the Bank’s continued commitment to sustainable growth, prudent risk management and value creation for all stakeholders.
Informational and educational content only. Not investment advice.