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South Indian Bank Ltd Q2 FY27 results are out (Jul–Sep 2026) →Revenue ₹2,796 Cr +16.2% YoYSee revenue, profit and what management said. You are viewing Q4 FY26.
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South Indian Bank Ltd

Q4 FY26Banks

South Indian Bank Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Revenue
₹2,559Cr
+7.8% YoY
+1.6% QoQ
Net profit
₹408Cr
+19.3% YoY
+9.1% QoQ
Price₹45
Market cap₹12.3K Cr
P/E8.1

The short version

The bank aims to grow its loan book at least at the industry growth rate, targeting around 15-16% growth in FY27. The bank aims to grow its loan book between 15%-16% in FY27, matching or exceeding industry growth.

From South Indian Bank Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • The bank aims to grow its loan book at least at the industry growth rate, targeting around 15-16% growth in FY27.
  • Growth focus will shift from Corporate loans (currently 38%) to Retail, MSME, and Agriculture segments, which offer higher spreads.
  • Corporate loan book is targeted to reduce from 38% to about 33%, and within corporate ultra-short duration assets to reduce from ~20-25% to ~10%.
  • Expansion in branches will be deliberate and measured, focusing on select states while leveraging alternate distribution channels and digital offerings like SIB RED.
  • Non-interest income is expected to improve as Retail and MSME portfolio grows, increasing fee-based revenues.

2 more points from South Indian Bank Ltd's call on revenue

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Profitability & Margins

The bank aims to grow its loan book between 15%-16% in FY27, matching or exceeding industry growth.

Locked: what South Indian Bank Ltd said on margins

Also locked on this page: fundraising, order book

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Capital Expenditure Plans

Relevant related points include: - The bank is focusing on improving efficiencies, processes, and systems, particularly through digital channels. - There is an emphasis on building out alternate distribution mechanisms and enhancing digital offerings like SIB RED, a full-fledged digital bank, and digital assets such as Fincredibles. - Some investment is anticipated in distribution and technology to support business growth as indicated under expenses.

2 more points from South Indian Bank Ltd's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Capital Small
Rev 2Mar 2
2Canara Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The focus appears to be on organic growth, improving operational efficiency, and optimizing the loan and…

Locked: what South Indian Bank Ltd said on fundraising

Also locked on this page: margins, order book

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Order Book & Pipeline

See what South Indian Bank Ltd said on order book & pipeline — free account, 30 seconds.

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What South Indian Bank's management said in earlier quarters

Earlier calls (8)

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Frequently Asked Questions

What were South Indian Bank Ltd Q4 FY26 results?

The bank aims to grow its loan book at least at the industry growth rate, targeting around 15-16% growth in FY27. The bank aims to grow its loan book between 15%-16% in FY27, matching or exceeding industry growth.

What is South Indian Bank Ltd share price analysis?

South Indian Bank Ltd currently shows a neutral. The stock trades at a P/E of 8.1 with a market cap of ₹12,285 Cr. Investors should review the full earnings analysis for detailed insights.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.