South Indian Bank Share Price Target : Although there are lakhs of shares listed in the stock market, today we are going to tell you about such a stock which can go up a lot in the coming time. This article will provide more details about South Indian Bank Share Price Target 2025, 2026 to 2030.
Contents
Today’s blog is South Indian Bank Share Price Target And Prediction 2025-30 : Complete Analysis, by reading which you can take your investment decision. Read the South Indian Bank Share Price Target 2025 blog carefully so that you do not miss any information…
South Indian Bank : About Company
Established in 1929, South Indian Bank is one of South India’s earliest banks, offering savings and credit facilities to individuals and businesses across various segments.
The bank’s vision is to be the most preferred institution for customer service, creating value for stakeholders and maintaining high standards of corporate governance. It achieved its highest-ever net profit of 1,070.08 crore in the financial year 2023-24, marking a 38% increase from the previous year.
South Indian Bank Historical Share Price Performance
Understanding South Indian Bank past performance can provide context for future expectations…
| Year | Approx Year-end Close (₹) | Annual Return (≈) | Comment/Source |
|---|---|---|---|
| 2019 | ₹17.2 | −35.8% | Weak sector; legacy issues. |
| 2020 | ₹14.6 | −14.8% | Pandemic + sector stress. |
| 2021 | ₹13.9 | −4.5% | Early recovery signs. |
| 2022 | ₹25.5 | +83.8% | Strong rally on turnaround hopes. |
| 2023 | ₹36.0 | +41.3% | Continued recovery & improved metrics. |
| 2024 | ₹33.0 | −8.5% | Consolidation / profit booking. |
| 2025 (YTD) | ₹38.3* | +16.4%* | Latest YTD move — see Investing/IndMoney. *Approx as of mid-2025. |
South Indian Bank Share Price Target And Prediction 2025-30
Now let’s take a look at South Indian Bank Share Price Target And Prediction 2025-30…
| Year | Target |
| 2025 | 32 |
| 2026 | 38 |
| 2027 | 42 |
| 2028 | 48 |
| 2029 | 54 |
| 2030 | 85 |
- Also Read : HDFC Bank Share Price Target & Forecast 2025–30 : Free Analysis
- Also Read : SBI Share Price Target & Forecast 2025–30 : Deep Fundamental & Financial Analysis
South Indian Bank Share Price Targets 2025, 2030, 2040
Now look at South Indian Bank Target Share Price 2025, 2030, 2040….
South Indian Bank Share Price Target 2025
- With improving NPA levels, digital adoption, and profitability growth, SIB share may trade between ₹28 – ₹32 by 2025.
South Indian Bank Share Price Target 2030
- By 2030, if the bank continues stable loan book growth, digital expansion, and better asset management, share price may reach ₹75– ₹85.
South Indian Bank Share Price Target 2040
- In the long term, if SIB becomes a strong mid-size private bank with sustainable profits, the stock could trade around ₹120 – ₹160 by 2040.
South Indian Bank Share Price Targets by Brokerage Firms
Several brokerage firms have provided their insights and South Indian Bank share target price…
| Broker / Source | Recommendation / View | 12-month Target (₹) | Notes / Source |
|---|---|---|---|
| Investing.com (Analyst consensus) | Mixed / Consensus | ₹25.00 (avg) | Investing shows avg target ~₹25 (range low 25 — high 42). |
| S&P Global (via IndMoney) | Consensus / Aggregator | ₹35.00 (consensus shown) | IndMoney reports consensus TP ₹35 (5 analysts aggregated). |
| Street / Local broker notes (various) | Mixed | Range: ₹25 – ₹42 | Different brokers use different models; range reflects upside/downside scenarios. (aggregated). |
South Indian Bank Share Price Target : Fundamental Analysis
Now let’s take a look at the company’s fundamentals to get more details on South Indian Bank Target Price Share …
| Fundamental | Data |
| Market Cap | 7609 Cr. |
| P/E Ratio | 5.71% |
| P/B Ratio | 0.75% |
| Industry P/E | 13.50% |
| Debt To Equity | NA |
| ROE | 13.17% |
| EPS (TTM) | 5.09 |
| Div. Yield | 1.38% |
| Book Value | 38.63 |
| Face Value | 1 |
South Indian Bank Share Price Target : Financial Performance
Now to know South Indian Bank Target Share Price in more detail, we take a look at the financial position of the company for the last 5 years and this data is according to Groww.in…
Company Revenue
| Year | Revenue (In Crore) |
| 2022 | 7,620 |
| 2023 | 8,045 |
| 2024 | 10,127 |
| 2025 | 11,226 |
Company Profit
| Year | Profit (In Crore) |
| 2022 | 45 |
| 2023 | 775 |
| 2024 | 1,070 |
| 2025 | 1,303 |
Company Net Worth
| Year | Net Worth (In Crore) |
| 2022 | 5,854 |
| 2023 | 6,675 |
| 2024 | 8,826 |
| 2025 | 10,108 |
South Indian Bank Target Share Price : Shareholding Pattern
Now let’s take a look at the company’s Shareholding Pattern to get more details on South Indian Bank Share Target Price…
| Quarter | Dec 24 | Mar 25 | Jun 25 |
| Promoters | —- | —- | —- |
| Foreign Institutions | 11.46% | 11.93% | 17.58% |
| Retails And Other | 81.29% | 77.61% | 71.32% |
| Mutual Funds | 3.79% | 8.28% | 9.55% |
| Other Domestic Institutions | 3.46% | 2.14% | 1.55% |
South Indian Bank Target Share Price : Strengths And Limitations
Now let’s take a look at the company’s Strengths And Limitations to get more details on South Indian Bank share price target and this data is according to Ticker.finology.in…
| Strengths | Limitations |
| Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.32%. | Increase in Provision and contingencies of 51.42% on YoY. |
| The company has delivered good Profit growth of 207.11% over the past 3 years. | CASA Growth of -0.71% YoY, which is very low. |
| Good Capital Adequacy Ratio of 19.31%. | High Cost to income ratio of 57.16%. |
South Indian Bank Target Share Price : Investment Considerations
Now take a look at Investment Considerations factors of South Indian Bank Share Price Target 2025…
Improving Asset Quality
In recent quarters SIB reported material improvement in asset quality (net NPA and slippage numbers). The bank’s Q1 FY26 investor transcript highlights net NPA falling from ~1.44% to ~0.68% and controlled slippages — a foundational requirement for sustainable earnings recovery because lower credit costs directly lift PAT and return ratios. If the bank sustains low slippage and keeps inflows of new standard loans high, future provisioning requirements fall and ROA/ROE rises — a major rerate trigger for a formerly stressed bank.
Focused Growth
South Indian Bank has intentionally expanded higher-yield retail products — notably gold loans and select MSME portfolios — which generate higher NIMs/NII per rupee than large corporate loans. The Q1 FY26 commentary notes expansion in gold loan book (and certain acquired portfolios) with comparatively low LTVs; these products scale quickly and offer immediate NII lift with controlled credit cost when underwriting remains prudent. For a bank with legacy retail presence in South India, profitable growth in these granular loans helps sustain earnings without aggressive risky corporate lending.
Liability Franchise Rebuilding
CASA (current + savings) improvements are critical because low-cost deposits reduce funding cost and widen NIMs. SIB has prioritized branch/digital initiatives and retail deposit mobilisation to rebuild its liability base after earlier stress periods. A steady rise in CASA ratio reduces dependence on bulk/wholesale funding, and supports scalable, profitable loan growth — a structural lever for long-term margin expansion. Management commentary and Q1 filings emphasize deposit rebalancing initiatives.
Valuation Upside From Low Base
After prior stress, SIB’s valuation multiples are still below many private peers. If core earnings recover (NII growth + lower credit cost), the bank benefits from operating leverage — profits rising faster than incremental costs. That means modest growth in NII/NIM and lower provisions can produce outsized EPS expansion, giving scope for multi-year rerating. This makes SIB attractive for value investors who believe in a full-cycle recovery.
Regional Deposit
SIB’s concentrated presence in southern India (Kerala, Tamil Nadu and neighbouring states) gives it deep customer relationships and specialized product knowledge for regional MSME and retail segments. That local franchise helps the bank price and manage credit cycles better than a generic national challenger — particularly in micro/semi-urban pockets where relationship banking still drives CASA and repeat business. For long-term holders, a strong regional moat reduces the risk of commoditized competition.
South Indian Bank Target Share Price : Factors Influencing
Now take a look at factors affect South Indian Bank Share Price Target 2025…
Quarterly NII/NIM Prints
Banks trade on the visibility of net interest income growth and margin expansion. If SIB reports NIM/NII above expectations (driven by better loan yields, CASA gains or cheaper funds), analysts upgrade earnings and price targets — the stock typically gaps up. Conversely, a surprise compression (higher cost of deposits, re-pricing) causes re-rating down. Given SIB’s recovery phase, NII beats/misses have outsized effect on sentiment.
Credit Cost/Slippage Surprises
Unexpected slippages or lump-sum provisioning (e.g., from an acquired portfolio turning sour) can wipe out quarterly profits. The market is sensitive to such shocks — a single large slippage can reverse multiple quarters of positive sentiment. SIB’s recent fall in net NPA was a positive; any reversal would be punished quickly. Always watch the quarterly slippage and any special provisioning lines.
Deposit Flows, CASA Ratio
A sudden outflow in deposits or renewed dependence on expensive bulk funding increases cost of funds and compresses margins; this often triggers analyst downgrades because future NIM projections change. Conversely, a big CASA improvement announcement (or a successful liability campaign) is treated as a direct value-adder. Markets react quickly to substantial weekly/monthly deposit trends reported by the bank.
Macroeconomic And Rate Environment
Interest rate cuts or hikes and macro growth outlook affect loan demand, deposit behaviour, and spreads. An RBI easing cycle can reduce lending costs and stimulate credit; tightening compresses demand and raises cost of funds. Banks’ stock multiples also reprice with interest-rate expectations. For SIB (still on a recovery path), the macro stance determines how fast NII growth can convert into earnings.
Analyst Notes & Consensus Changes
Because SIB is in the ‘recovery watchlist’ category, a single influential broker upgrading its target (or downgrading) causes institutional flows and retail sentiment to swing. Aggregator consensus moves (e.g., Investing/S&P updates) are often cited by large funds as triggers to buy/sell. The broker targets table above shows differing scenarios; changes there lead to short-term volatility.
Quick Practical Checklist For Investors
- Watch next 2–3 quarterly NII and slippage trends — if NII growth is sustained and slippages stay low, the earnings case strengthens.
- Monitor CASA and deposit mixes weekly/monthly (management commentary / analyst notes). Big CASA moves matter.
- Stress test valuation scenarios: build base / bull / bear P/E models given variable NIM & provision assumptions (use broker targets as anchors).
- Keep an eye on credit cost one-offs (large accounts or portfolio acquisitions) which can swing quarters.
- Use broker consensus (Investing / IndMoney) as a check but read the underlying research note — consensus masks different assumptions.
South Indian Bank Target Share Price : Conclusion
Based on the blog South Indian Bank Share Price Target 2025-30 : Secret Growth Analysis, South Indian Bank has moved from being a stressed regional lender to a turnaround story, showing consistent improvement in asset quality, strong retail-focused growth in gold loans and MSME lending, and better CASA ratios.
While the long-term investment case rests on sustained profitability, regional franchise strength, and valuation rerating potential, the short- to medium-term share price will remain influenced by quarterly NII growth, slippage surprises, deposit trends, and RBI’s policy stance.
Disclaimer : We are Not SEBI Registered and this article is for informational purposes only. The views and recommendations expressed above are those of individual analysts and not FactBeez. We advise investors to check with certified experts before making any investment decision which will help you make informed decisions and reduce the chances of losses.
FAQs About South Indian Bank Share Price Target
What is South Indian Bank Share Price Target 2025
The South Indian Bank Share Price Target 2025 Is Rs. 32
What is South Indian Bank Share Price Target 2030
The South Indian Bank Share Price Target 2030 Is Rs. 85
What is South Indian Bank Share Price Target 2040
The South Indian Bank Share Price Target 2040 Is Rs. 120 – Rs. 160 by 2040.
Is South Indian Bank a safe investment
It carries higher risk compared to large banks, but turnaround potential is strong.
Does South Indian Bank give dividends
Currently limited, as bank focuses on strengthening financials.
Who are South Indian Bank’s main competitors
HDFC Bank, ICICI Bank, Axis Bank, Federal Bank, and fintechs.
Is South Indian Bank a multibagger stock
If turnaround is successful, SIB can become a potential multibagger in 10–15 years.
What is the main strength of South Indian Bank
Strong NRI customer base and deep presence in South India.
