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South Indian Bank Reports Record Q3 Net Profit of ₹374 Cr; Asset Quality Improves Sharply
South Indian Bank reported its highest-ever quarterly net profit of ₹374.32 crore for Q3 FY26, a 9% increase year-on-year. The bank's asset quality showed remarkable improvement, with Gross NPA dropping to 2.67% from 4.30% and Net NPA falling to a multi-quarter low of 0.45%. Business growth remained healthy as gross advances grew 11% YoY, supported by a 26% surge in the gold loan portfolio. The bank maintains a robust capital position with a Capital Adequacy Ratio of 17.84%, well above regulatory requirements.
Key Highlights
Net Profit grew 9% YoY to ₹374.32 Cr, while 9-month profit reached ₹1,047.64 Cr.
Gross NPA reduced significantly by 163 bps to 2.67% and Net NPA dropped by 80 bps to 0.45%.
Gold Loan portfolio witnessed strong growth of 26% YoY, reaching ₹20,952 Cr.
CASA deposits increased by 15% YoY, with Current Account deposits specifically growing by 20%.
Slippage ratio improved to 0.16% from 0.33% YoY, indicating high-quality credit monitoring.
👀 What to Watch
Investors should take note of the bank's significant turnaround in asset quality and consistent profit growth. The focus on high-yield segments like gold loans and improved CASA ratios makes it a strong candidate for long-term portfolios in the mid-cap banking space.
South Indian Bank Q3 Net Profit Rises 9.5% YoY to ₹374 Cr; Asset Quality Improves Sharply
South Indian Bank reported a steady performance for Q3 FY26, with net profit increasing 9.5% YoY to ₹374.32 crore. The bank's total income grew by 8% YoY to ₹3,003.46 crore, supported by an 18.7% increase in other income. Most notably, asset quality saw a significant improvement, with Gross NPA falling to 2.67% from 4.30% in the previous year. The bank maintains a healthy Capital Adequacy Ratio of 17.84%, positioning it well for future growth.
Key Highlights
Net Profit grew 9.5% YoY to ₹374.32 crore for the quarter ended December 31, 2025
Gross NPA ratio improved significantly to 2.67% from 4.30% in the same quarter last year
Net NPA ratio declined sharply to 0.45% compared to 1.25% YoY
Operating Profit increased by 10.5% YoY to ₹584.33 crore
Total Income rose to ₹3,003.46 crore, driven by 6.2% growth in interest earned and 18.7% in other income
👀 What to Watch
Investors should take note of the substantial improvement in asset quality and the bank's ability to maintain a Return on Assets (RoA) above 1%. The stock remains a watch for further consistency in credit growth and margin management.
South Indian Bank Q3 FY26: Advances Up 11.27% YoY, CASA Ratio Improves to 31.84%
South Indian Bank reported a steady performance for the quarter ended December 31, 2025, with Gross Advances reaching ₹96,765 crore, an 11.27% YoY increase. Total deposits grew by 12.17% YoY to ₹1,18,211 crore, indicating healthy liquidity inflows. A key positive is the 14.65% YoY growth in CASA deposits, which led to a 69 bps improvement in the CASA ratio to 31.84%. Excluding a ₹900 crore technical write-off from March 2025, the adjusted loan growth stands at a robust 12.43%.
Key Highlights
Gross Advances grew 11.27% YoY to ₹96,765 crore, with adjusted growth at 12.43%.
Total Deposits increased by 12.17% YoY to reach ₹1,18,211 crore.
CASA deposits surged 14.65% YoY to ₹37,640 crore, outperforming overall deposit growth.
CASA ratio improved to 31.84% from 31.15% in the previous year, a 69 bps increase.
👀 What to Watch
Investors should view the strong CASA growth and steady credit expansion as positive indicators for future margins. Monitor the full earnings release for updates on asset quality and net interest income.
