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South Indian Bank: Q2 FY27 Profit Up 21% to a Record Rs 426 Cr

Results reported 15 October 2026 | Private bank

The Quick Take

South Indian Bank’s Q2 FY27 net profit rose 21% year on year to Rs 426.13 cr, a record. Net interest income rose 38% to Rs 1,116 cr, and advances rose 19%. Provisions rose too, from Rs 63 cr to Rs 159 cr.

Q2 FY27 snapshot (Rs crore)

MetricQ2 FY27Comparison
Net profit426.13+21% YoY (Q2 FY26: 351.37); Q1: 377.63
NII1,116Q2 FY26: 808
Total income3,163.85 to 3,264Sources differ; Q1: 3,007.30
NIM / ROA / ROE3.33% / 1.08% / 14%Sources differ on ROA

Balance sheet

Gross advances Rs 1.09 lakh cr (up from Rs 92,286 cr); deposits Rs 1.37 lakh cr (up from Rs 1.16 lakh cr); CASA 31.86%; CAR 19.40%.

Data conflict

Business Standard and Kotak Neo report GNPA of 1.24%; Kalkine reports 2.36%. Total income also differs between sources. Verify both against the filing before relying on them.

Guidance

Not available.

Risks

  • Higher provisions year on year.
  • Unresolved NPA data discrepancy.
  • NIM of 3.33% is still below peers.

Setup

Neutral. Margins and profit are improving, but the guidance and clean asset-quality figures need verification.

This is educational analysis, not personalized investment advice. Do your own research before investing.

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