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Daily Range
Daily RangeToday's Low
₹ 24.84
Today's High
₹ 25.55
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52 Weeks Range
52 Weeks Low
₹ 7.25
52 Weeks High
₹ 21.80
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Momentum of the Stock
Momentum of the Stock Bearish![]()
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Circuit Limit
Lower
₹ 20.00
Upper
₹ 30.01
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Financials Strength Score
Financials Strength Score Piotroski Score
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Company Profile
The South Indian Bank Limited provides various banking products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. Its personal banking products and services include savings and current accounts, term deposits, and unclaimed deposits/inoperative accounts; personal, car, home, gold, educational, property, and other loans, as well as one time settlement scheme for micro and small enterprises sector; and mutual funds. The company also offers insurance products, such as life insurance, health insurance, and various credit risk insurance, as well as general insurance products, such as fire, liability, marine, motor, personal accident, and travel insurance products. In addition, it provides money transfer services; various cards; and value added services, including SIB rewardz, KYC certification of mutual fund investors, SIB e-academia, 3-in-one trading KIT, green pin, SIB feebook, branch banking, FX-retail, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and Internet banking, demat, pension system, online trading, SIB collect, PAN service agency, cash management, travel card, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. The company's NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits, as well as portfolio investment schemes. Its business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; mortgage and business loans; and merchant acquiring services. As of March 31, 2022, the company had a network of 935 branches and 1270 ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.
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Companies under the same Group
Companies under the same Group
No Data Found
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Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
261.6 Cr.
EPS-TTM
₹4.63
Face Value
₹1.00
Book Value
₹35.91
Net Asset Value
₹31.89
ROE
12.38%
ROA
0.75%
ROCE
14.15%
Dividend Yield
1.20%
Total Debt
₹ 7.0 Cr.
Sales Growth
9.82%
PAT Growth
1,630.29%
Financials
| Particulars | FY 2023 | FY 2022 |
|---|---|---|
| SOURCES OF FUNDS: | ||
| Total Liabilities & Total Equity | 107,697.2 | 100,051.9 |
| Share Capital | 209.3 | 209.3 |
| Share Warrants & Outstandings | 0.1 | 1.3 |
| Total Reserves | 6,465.4 | 5,643.7 |
| Deposits | 91,650.1 | 89,141.7 |
| Borrowings | 6,993.9 | 3,294.5 |
| Liabilities & Provisions | 2,378.5 | 1,761.4 |
| APPLICATION OF FUNDS: | ||
| Total Assets | 107,697.2 | 100,051.9 |
| Cash and balance with RBI | 4,639.2 | 7,276.6 |
| Balances with banks and money at call | 2,441.3 | 3,926.8 |
| Investments | 24,641.3 | 21,444.5 |
| Advances | 69,804.4 | 59,993.4 |
| Net Block | 753.9 | 752.0 |
| Lease Adjustment | 0.0 | 0.0 |
| Capital Work in Progress | 124.0 | 59.1 |
| Other Assets | 5,293.0 | 6,599.5 |
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Financial Statement Analysis
Current Ratio
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 0.97, vs the Debt to Equity Ratio of 1.05, which results in a Negative aspect.
Quick Ratio
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
Price to BV
The Industry Price to BV stands at 2.77, vs the Price to BV of 0.72, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 |
|---|---|---|
| Total Income | 7,233.2 | 6,586.5 |
| Total Expenditure | 7,233.2 | 6,586.5 |
| Profit Before Tax | 6,400.2 | 6,639.5 |
| Less: Taxation | 471.5 | -137.0 |
| Profit After Tax | 775.3 | 44.8 |
| Earnings Per Share | 0.0 | 0.0 |
| Appropriation | 737.3 | 49.4 |
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Financial Statement Analysis
Dividend Yield
The Industry Dividend Yield stands at 0.77, vs the Dividend Yield of 1.19, which results in a Positive aspect.
PAT Margin
The Industry PAT Margin stands at 25.05, vs the PAT Margin of 10.72, which results in a Negative aspect.
PE Ratio
The Industry PE Ratio stands at 18.96, vs the PE Ratio of 5.69, which results in a Negative aspect.
PAT Growth
The Industry PAT Growth stands at 45.73, vs the PAT Growth of 1630.29, which results in a Positive aspect.
| Particulars | FY 2023 | FY 2022 |
|---|---|---|
| Profit Before Tax | 1,108.5 | -92.2 |
| Tax Paid | -218.9 | -39.6 |
| Adjustment | 1,409.2 | 2,119.8 |
| Changes In Working Capital | 1,108.5 | -92.2 |
| Cash Flow after changes in Working Capital | 0.0 | 0.0 |
| Cash Flow from Operating Activities | -7,260.8 | 5,165.3 |
| Cash Flow from Investing Activities | -386.1 | -1,740.6 |
| Cash Flow from Financing Activities | 3,523.9 | -989.2 |
| Net Cash Inflow / Outflow | -4,122.9 | 2,435.5 |
| Opening Cash & Cash Equivalents | 11,203.4 | 8,767.9 |
| Effect of Foreign Exchange Fluctuations | 0.0 | 0.0 |
| Closing Cash & Cash Equivalent | 7,080.5 | 11,203.4 |
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Financial Statement Analysis
PCF RATIO
The Industry PCF RATIO stands at -35.06, vs the PCF RATIO of -0.42, which results in a Positive aspect.
PFCF Ratio
The Industry PFCF Ratio stands at 54.12, vs the PFCF Ratio of -0.35, which results in a Negative aspect.
| Particulars | Sep 2024 | Jun 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 23,547.2 | 23,144.1 | 21,840.9 | 21,290.0 | 20,250.4 | 19,729.6 | 18,982.7 | 17,401.4 | 16,218.1 | 16,354.3 | 16,711.3 | 16,465.9 | 16,333.9 |
| Other Income | 4,493.5 | 4,215.5 | 4,521.4 | 3,554.8 | 3,610.2 | 3,445.4 | -344.0 | 2,549.8 | 2,462.6 | 2,038.5 | 2,218.8 | 994.4 | 4,530.8 |
| Total Income | 28,040.7 | 27,359.6 | 26,362.3 | 24,844.8 | 23,860.6 | 23,175.0 | 18,638.7 | 19,951.2 | 18,680.7 | 18,392.8 | 18,930.1 | 17,460.3 | 20,864.7 |
| Interest Expended | 14,724.4 | 14,486.4 | 13,650.6 | 12,984.2 | 12,172.7 | 11,157.8 | 10,731.2 | 10,137.7 | 10,184.3 | 10,376.9 | 10,982.6 | 11,194.4 | 10,913.9 |
| Operating Expenses | 7,812.8 | 7,798.7 | 7,876.8 | 7,254.9 | 6,782.5 | 6,406.6 | 5,871.6 | 5,553.3 | 5,326.9 | 5,136.9 | 5,148.9 | 5,147.1 | 4,830.2 |
| Total Expenditure | 7,812.8 | 7,798.7 | 7,876.8 | 7,254.9 | 6,782.5 | 6,406.6 | 5,871.6 | 5,553.3 | 5,326.9 | 5,136.9 | 5,148.9 | 5,147.1 | 4,830.2 |
| Operating Profit Before Provisions and Contingencies | 5,503.5 | 5,074.5 | 4,834.9 | 4,605.7 | 4,905.4 | 5,610.6 | 2,035.9 | 4,260.2 | 3,169.5 | 2,879.0 | 2,798.6 | 1,118.8 | 5,120.6 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Provisions and contingencies | 1,100.1 | 1,129.5 | 485.4 | 512.6 | 1,985.0 | 389.9 | 414.3 | 1,793.0 | 1,394.1 | 777.1 | 3,463.7 | 3,618.6 | 4,979.7 |
| Profit Before Tax | 4,403.4 | 3,945.0 | 4,349.5 | 4,093.1 | 2,920.4 | 5,220.7 | 1,621.6 | 2,467.2 | 1,775.4 | 2,101.9 | -665.1 | -2,499.8 | 140.9 |
| Tax | 1,155.5 | 1,006.0 | 1,295.7 | 1,344.2 | 894.6 | 1,885.4 | 591.5 | 234.4 | 620.6 | -618.7 | -161.1 | -628.9 | 38.4 |
| Profit After Tax | 3,247.9 | 2,939.0 | 3,053.8 | 2,748.9 | 2,025.8 | 3,335.3 | 1,030.1 | 2,232.8 | 1,154.8 | 2,720.6 | -504.0 | -1,870.9 | 102.5 |
| Net Profit | 3,247.9 | 2,939.0 | 3,053.8 | 2,748.9 | 2,025.8 | 3,335.3 | 1,030.1 | 2,232.8 | 1,154.8 | 2,720.6 | -504.0 | -1,870.9 | 102.5 |
| ADDITIONAL INFOS: | |||||||||||||
| Equity Capital | 2,616.3 | 2,616.2 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 | 2,092.7 |
| Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Adequacy Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| % of Net NPAs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.9 | 5.1 |
| % of Gross NPAs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.7 | 8.0 |
| Return on Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -0.7 | 0.0 |
| EPS | 1.2 | 1.1 | 1.5 | 1.3 | 1.0 | 1.6 | 0.5 | 1.1 | 0.6 | 1.3 | -0.2 | -0.9 | 0.1 |
| Operating Profit Margin | 2,803,974.2 | 2,735,863.8 | 2,636,131.5 | 2,484,385.0 | 2,385,966.5 | 2,317,411.0 | 1,863,782.5 | 1,995,029.9 | 1,867,974.4 | 1,839,185.1 | 1,892,913.5 | 1,745,930.8 | 2,086,373.6 |
| Net Profit Margin | 13.8 | 12.7 | 14.0 | 12.9 | 10.0 | 16.9 | 5.4 | 12.8 | 7.1 | 16.6 | -3.0 | -11.4 | 0.6 |
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Financial Statement Analysis
Net Sales Growth
The Industry Net Sales Growth stands at 15.21, vs the Net Sales Growth of 9.82, which results in a Negative aspect.
Mcap Growth
The Industry Mcap Growth stands at 10.78, vs the Mcap Growth of 94.41, which results in a Positive aspect.
Technicals
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Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 26.43 | 27.23 | 25.40 |
| R3 | 26.14 | 26.08 | 25.21 |
| R2 | 25.84 | 25.81 | 25.14 |
| R1 | 25.43 | 25.37 | 25.08 |
| Pivot | 25.13 | 25.10 | 25.13 |
| S1 | 24.72 | 24.66 | 24.94 |
| S2 | 24.42 | 24.39 | 24.88 |
| S3 | 24.01 | 23.95 | 24.81 |
| S4 | 23.59 | 22.97 | 24.62 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
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Beta
Beta 1 Day
1.14
1 Week
1.17
1 Month
1.15
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Indicators
Stoch RSI
0.00
Bullish
RSI
29.51
Bullish
ROC
-2.53
Bearish
UltimateOscillator
48.94
Neutral
Williams Indicator
-73.14
Neutral
CCI Indicator
3.05
Neutral
MACD
-2,922.22
Bearish
Stochastic Indicator
37.79
Neutral
ATR
1.34
High Volatility
Corporate Actions
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Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|---|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|---|---|---|
| 17-08-2023 | 0.30 | 30 | Final |
| Date Of Conduct | Board Meeting Details |
|---|---|
| 29-11-2024 | inter-alia to consider, decide on exercise of call option of Bank?s Non-convertible, fully paid-up, unsecured, perpetual, Basel III Compliant, Tier I Bonds, listed in BSE as detailed below in compliance with Information Memorandum and as approved by Reserve Bank of India (RBI) and to decide on record date, issue of notice to Bond Holders, etc. |
| 16-10-2024 | Quarterly Results |
| 21-02-2024 | Inter alia, to consider and approve various matters in connection with the Rights Issue, including the specific terms of the Rights Issue, such as the determination of the Rights Issue price and related payment mechanism, rights entitlement ratio, the record date and timing of the Rights Issue. |
| 18-01-2024 | Quarterly Results |
| 27-12-2023 | Inter alia, to consider and approve:- a proposal to augment capital by way of issue of equity shares or any other securities and to determine the mode of issue (including but not limited through Rights Issue/Public Issue/Private Placement/Preferential Issue and/or Qualified Institutional Placement (QIP)/Further Public Offer (FPO) or any other permissible mode/appropriate route permitted or a combination thereof) |
| 19-10-2023 | Quarterly Results |
| 31-07-2023 | Inter-alia, to consider the following: 1. Raising of funds by way of issuance of equity shares including but not limited through preferential issue and/ or Qualified Institutions Placement (QIP)/ Global Depository Receipts (GDRs)/ American Depository Receipts (ADRs)/ Foreign Currency Convertible Bonds (FCCBs)/ or any other methods on private placement basis, FPO, Rights Issue etc. subject to regulatory approvals, as may be required. 2. Borrowing/ raising funds in Indian/ foreign currency by issue of debt securities including but not limited to non-convertible debentures, bonds, MTN in terms of Section 42 of the Companies Act, 2013 read with Companies (Prospectus and Allotment of Securities) Rules,2014, SEBI (Issue and Listing of Non-Convertible Securities) Regulations, 2021, the SEBI Listing Regulations and other applicable laws, if any, subject to regulatory approvals, as may be required. 3. To modify the Articles of Association of the Bank subject to the approval of Reserve Bank of India and Shareholders of the Bank at the ensuing Annual General Meeting |
| 20-07-2023 | Quarterly Results |
| 11-05-2023 | Final Dividend & Audited Results |
| 24-01-2023 | Quarterly Results |
| 20-10-2022 | Quarterly Results |
| 26-07-2022 | Quarterly Results |
| 07-06-2022 | Inter-alia to consider the following: ? Raising of funds by way of issuance of equity shares including but not limited through preferential issue and/ or Qualified Institutions Placement (QIP)/ Global Depository Receipts (GDRs)/ American Depository Receipts (ADRs)/ Foreign Currency Convertible Bonds (FCCBs)/ or any other methods on private placement basis, FPO, Rights Issue etc. subject to regulatory approvals, as may be required. ? Borrowing/ raising funds in Indian/ foreign currency by issue of debt securities including but not limited to non-convertible debentures, bonds, MTN in terms of Section 42 of the Companies Act, 2013 read with Companies (Prospectus and Allotment of Securities) Rules,2014, SEBI (Issue and Listing of Debt Securities) Regulations, 2008, the SEBI Listing Regulations and other applicable laws, if any, subject to regulatory approvals, as may be required |
| 12-05-2022 | Audited Results |
| 20-01-2022 | Quarterly Results |
| 21-10-2021 | Quarterly Results |
| 22-07-2021 | Quarterly Results & Inter alia, to consider the following: 1. Raising of funds by way of issuance of equity shares including but not limited through preferential issue and/ or Qualified Institutions Placement (QIP)/ Global Depository Receipts (GDRs)/ American Depository Receipts (ADRs)/ Foreign Cun-ency Convertible Bonds (FCCBs)/ or any other methods on private placement basis, FPO, Rights Issue etc. subject to regulatory approvals, as may be required. 2. Borrowing/ raising funds in Indian/ foreign currency by issue of debt securities including but not limited to non-convertible debentures, bonds, M1N in terms of Section 42 of the Companies Act, 2013 read with Companies (Prospectus and Allotment of Securities) Rules,2014, SEBI (Issue and Listing of Debt Securities) Regulations, 2008, the SEBI Listing Regulations and other applicable laws, if any, subject to regulatory approvals, as may be required. |
| 21-05-2021 | Dividend & Audited Results |