CreditBrief

What South Indian Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.10 lakh crore (+9.2% since March).

South Indian BankPrivate banks

₹1.00lakh croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers25thof 33 banks on CreditBrief, March 2026
Biggest segment61%RAM (Retail, Agri and MSME), latest split (30 Sep 2026)
Share of the combined book0.5%of all banks on CreditBrief

Chapter 01 · The loan book

₹1.00 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in South Indian Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from ram (retail, agri and msme) down, and you get ₹1.00 lakh crore. By 30 Sep 2026 it was ₹1.10 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

39%Businesses₹42,712 croreCorporate

61% sits in lines the filing does not tie to either: RAM (Retail, Agri and MSME).

Drilling down: what it lends against · 30 Sep 2026

  • RAM (Retail, Agri and MSME)₹66,805 crore61%
  • Corporate₹42,712 crore39%

Some segments are worked out from the share of the book the lender gives.

The only complete split given is corporate 39% and retail, agriculture and MSME 61%, so both amounts are worked out. Page 11 lists some products (gold ₹26,603 crore, home ₹8,886 crore, business ₹15,490 crore) without a full breakdown.

Sources: South Indian Bank Investor Presentation Q4 FY26, PDF page 8 ↗ for March 2026; South Indian Bank Investor Presentation Q2 FY2026-27, PDF page 6 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 13% a year since March 2022.

From ₹61,816 crore on 31 March 2022 to ₹1.00 lakh crore on 31 March 2026, and ₹1.10 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights32 figures from 6 filings · each checked against its pageHow it works
South Indian Bank · loan book · 31 March 2026₹1.00lakh crore+14% in FY2025-26₹1.10 lakh crore by 30 Sep 2026
  1. 0113%a year since 2022Grew 13% a year from March 2022 to March 2026, faster than 8 of the 29 other banks with like-for-like figures for those years.
  2. 0214%in FY2025-26Growth picked up to 14% in FY2025-26, from 8.9% the year before.
  3. 0323rdamong peersSlipped from 23rd to 25th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹1.23 lakh crore+15% · in FY2025-26
Loans to deposits81.3%-0.2 pts · in FY2025-26
CASA ratio32.1%+0.7 pts · in FY2025-26
Retail, agriculture and MSME loans₹48,570 crore+8.2% · in FY2022-23
Corporate and wholesale loans₹38,670 crore+6.8% · in FY2025-26
Branches948+0.0% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances61,81672,09280,42687,5791,00,2741,09,517
Retail, agriculture and MSME loans₹ crore44,89148,570
Corporate and wholesale loans₹ crore16,92523,52332,08436,19838,67043,164
Deposits₹ crore89,14291,6511,01,9201,07,5261,23,3461,37,279
CASA ratio%33.2132.9832.0831.3732.1231.55
BranchesNumber929940955948948959

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at South Indian Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

South Indian Bank, Q2 FY2026-27: loan book ₹1.10 lakh crore, +9.2% since March

  • ₹1.10 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: RAM (Retail, Agri and MSME), 61% of the book
  • Every figure links to page 6 of its filing

Chapter 03 · Among its peers

25th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.5% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 25South Indian Bank₹1.00 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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