Share of South Indian Bank Limited is currently trading at around Rs.27/-Existing as well as Prospective Investors are asking for South Indian Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the South Indian Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of South Indian Bank Ltd:
South Indian Bank Limited (SIB) has demonstrated a notable turnaround in its financial performance, marked by consistent profitability, improved asset quality, and strategic growth across key business segments.
Current Business Performance
In the fiscal year 2023–24 (FY24), SIB achieved a 38% increase in net profit, reaching ₹1,070 crore compared to ₹775 crore in FY23. This growth was driven by a 10.6% rise in net interest income to ₹3,332 crore and the bank’s highest net interest margin (NIM) in 18 years at 3.31% . The bank’s focus on quality credit growth led to a 12% increase in gross advances to ₹80,426 crore and a 9% growth in retail deposits to ₹97,743 crore.
Asset quality saw significant improvement, with gross non-performing assets (GNPA) declining to 4.50% from 5.14% and net NPA reducing to 1.46% from 1.86% year-on-year . The capital adequacy ratio stood strong at 18%, indicating a robust capital position.
In the third quarter of FY25 (Q3FY25), SIB reported its highest-ever quarterly net profit of ₹342 crore, a 12% year-on-year increase. Operating profit rose by 9.4% to ₹528.84 crore, and net interest income grew by 6.13% to ₹869.26 crore. The bank’s gross NPA further improved to 4.30%, and net NPA decreased to 1.25% .
Future Business Prospects
SIB’s strategic focus on “profitability through quality credit growth” positions it well for sustained performance. The bank aims to expand its net interest margin by adjusting its loan mix, emphasizing small-ticket advances to micro, small, and medium enterprises (MSMEs), global education loans, and mid-market housing loans .
The bank has also seen growth in its gold loan portfolio, which increased by 10.39% year-on-year to ₹16,966 crore, and its housing loan segment, which grew by 63.9% to ₹8,195 crore . These segments are expected to continue contributing positively to the bank’s profitability.
With a strong capital base, improved asset quality, and a clear strategic direction focusing on quality credit growth and diversification, South Indian Bank is well-positioned to capitalize on emerging opportunities in the Indian banking sector.
Share Price Targets:
South Indian Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of South Indian Bank Ltd is likely to touch the level of around Rs.30-35 in 2025
South Indian Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of South Indian Bank Ltd is likely to touch the level of around Rs.70-75 in 2030
South Indian Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of South Indian Bank Ltd is likely to touch the level of around Rs.140-150 in 2035
South Indian Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of South Indian Bank Ltd is likely to touch the level of around Rs.275-300 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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