# South Indian Bank > Private banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/sib ## Loan book - ₹1.00 lakh crore on 31 March 2026, the end of FY2025-26 (Gross advances). - ₹1.10 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: South Indian Bank Investor Presentation Q4 FY26, PDF page 8: https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf ## Findings - Grew 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. - Growth picked up to 14% in FY2025-26, from 8.9% the year before. - Slipped from 23rd to 25th biggest of these 33 banks between March 2022 and March 2026. ## What it lends against (30 Sep 2026) - RAM (Retail, Agri and MSME): ₹66,805 crore (61%) - Corporate: ₹42,712 crore (39%) Source: South Indian Bank Investor Presentation Q2 FY2026-27, PDF page 6: https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 61,816 | 72,092 | 80,426 | 87,579 | 1,00,274 | 1,09,517 | | Retail, agriculture and MSME loans (₹ crore) | 44,891 | 48,570 | | | | | | Corporate and wholesale loans (₹ crore) | 16,925 | 23,523 | 32,084 | 36,198 | 38,670 | 43,164 | | Deposits (₹ crore) | 89,142 | 91,651 | 1,01,920 | 1,07,526 | 1,23,346 | 1,37,279 | | CASA ratio (%) | 33.21 | 32.98 | 32.08 | 31.37 | 32.12 | 31.55 | | Branches (Number) | 929 | 940 | 955 | 948 | 948 | 959 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 3,92,836 59,418 4,05,684 59,226 4,38,337 61,816" (South Indian Bank Investor Presentation Q4 FY22, PDF page 19) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 4,38,337 61,816 5,15,656 70,117 5,35,578 72,092" (South Indian Bank Investor Presentation Q4 FY23, PDF page 26) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - Loan book, FY2023-24 (31 Mar 2024): "INR 80,426 Cr 955 / 9,836" (South Indian Bank Investor Presentation Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/SOUTHBANK_02052024203517_SIGNED_STT_INVESTORPRESENTATION_MARCH2024.pdf - Loan book, FY2024-25 (31 Mar 2025): "FY25 Rs. 87,579 Cr" (South Indian Bank Investor Presentation Q4 FY25, PDF page 7) https://nsearchives.nseindia.com/corporate/SOUTHBANK_15052025165212_SD_STT_INVESTORPRESENTATION_MARCH2025.pdf - Loan book, FY2025-26 (31 Mar 2026): "Q4FY26 Rs. 100,274 Cr" (South Indian Bank Investor Presentation Q4 FY26, PDF page 8) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Loan book, 30 Sep 2026: "Rs. 109,517 Cr Rs. 85,773 Cr" (South Indian Bank Investor Presentation Q2 FY2026-27, PDF page 6) https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf - Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "44,697 44,092 43,787 44,144 44,891" (South Indian Bank Investor Presentation Q4 FY22, PDF page 19) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "44,891 47,330 47,942 48,570" (South Indian Bank Investor Presentation Q4 FY23, PDF page 26) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "16,925" (South Indian Bank Investor Presentation Q4 FY22, PDF page 23) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "(Rs. in Crore) 23,523" (South Indian Bank Investor Presentation Q4 FY23, PDF page 30) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "32,084 Mar'24" (South Indian Bank Investor Presentation Q4 FY25, PDF page 15) https://nsearchives.nseindia.com/corporate/SOUTHBANK_15052025165212_SD_STT_INVESTORPRESENTATION_MARCH2025.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "36,198" (South Indian Bank Investor Presentation Q4 FY26, PDF page 16) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "38,353 38,670" (South Indian Bank Investor Presentation Q4 FY26, PDF page 16) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Corporate and wholesale loans, 30 Sep 2026: "Rs. Cr 43,164" (South Indian Bank Investor Presentation Q2 FY27, PDF page 12) https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf - Deposits, FY2021-22 (31 Mar 2022): "Deposits 89,142 82,711" (South Indian Bank Investor Presentation Q4 FY22, PDF page 14) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - Deposits, FY2022-23 (31 Mar 2023): "Deposits 91,651 89,142" (South Indian Bank Investor Presentation Q4 FY23, PDF page 22) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - Deposits, FY2023-24 (31 Mar 2024): "Deposits 101,920 91,651" (South Indian Bank Investor Presentation Q4 FY24, PDF page 28) https://nsearchives.nseindia.com/corporate/SOUTHBANK_02052024203517_SIGNED_STT_INVESTORPRESENTATION_MARCH2024.pdf - Deposits, FY2024-25 (31 Mar 2025): "Deposits 1,07,526 101,920" (South Indian Bank Investor Presentation Q4 FY25, PDF page 34) https://nsearchives.nseindia.com/corporate/SOUTHBANK_15052025165212_SD_STT_INVESTORPRESENTATION_MARCH2025.pdf - Deposits, FY2025-26 (31 Mar 2026): "Deposits 1,23,346 1,07,526" (South Indian Bank Investor Presentation Q4 FY26, PDF page 39) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Deposits, 30 Sep 2026: "Deposits 1,37,279 1,15,635" (South Indian Bank Investor Presentation Q2 FY27, PDF page 30) https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA Ratio 33.21% 29.73%" (South Indian Bank Investor Presentation Q4 FY22, PDF page 14) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA Ratio 32.98% 33.21%" (South Indian Bank Investor Presentation Q4 FY23, PDF page 22) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA Ratio 32.08% 32.98%" (South Indian Bank Investor Presentation Q4 FY24, PDF page 28) https://nsearchives.nseindia.com/corporate/SOUTHBANK_02052024203517_SIGNED_STT_INVESTORPRESENTATION_MARCH2024.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA Ratio 31.37% 32.08%" (South Indian Bank Investor Presentation Q4 FY25, PDF page 34) https://nsearchives.nseindia.com/corporate/SOUTHBANK_15052025165212_SD_STT_INVESTORPRESENTATION_MARCH2025.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA Ratio 32.12% 31.37%" (South Indian Bank Investor Presentation Q4 FY26, PDF page 39) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - CASA ratio, 30 Sep 2026: "CASA Ratio 31.55% 31.86%" (South Indian Bank Investor Presentation Q2 FY27, PDF page 30) https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf - Branches, FY2021-22 (31 Mar 2022): "Q4 FY22: 929" (South Indian Bank Investor Presentation Q4 FY22, PDF page 29) https://nsearchives.nseindia.com/corporate/SOUTHBANK_12052022214553_secinvest.pdf - Branches, FY2022-23 (31 Mar 2023): "Q4 FY23: 940" (South Indian Bank Investor Presentation Q4 FY23, PDF page 36) https://nsearchives.nseindia.com/corporate/SOUTHBANK_11052023203308_STTINVESTORPRESENTATIONsigned.pdf - Branches, FY2023-24 (31 Mar 2024): "955 / 9,836" (South Indian Bank Investor Presentation Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/SOUTHBANK_02052024203517_SIGNED_STT_INVESTORPRESENTATION_MARCH2024.pdf - Branches, FY2024-25 (31 Mar 2025): "948 9,369 26 / 4" (South Indian Bank Investor Presentation Q4 FY26, PDF page 9) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Branches, FY2025-26 (31 Mar 2026): "948 9,147 26 / 4" (South Indian Bank Investor Presentation Q4 FY26, PDF page 9) https://nsearchives.nseindia.com/corporate/SOUTHBANK_06052026170438_SD_STT_INVESTORPRESENTATION_RESULTS.pdf - Branches, 30 Sep 2026: "959 9,485 26 / 4" (South Indian Bank Investor Presentation Q2 FY27, PDF page 7) https://www.southindianbank.bank.in/userfiles/file/sib_investor_presentation_q2_fy2026-27.pdf CreditBrief is independent and not linked to any lender. Not investment advice.