South Indian Bank Share Price Target : South Indian Bank is a private sector bank with a strong presence in South India and a growing footprint across the country. The bank provides a wide range of services such as savings and current accounts, fixed deposits, retail and MSME loans, NRI banking, credit cards, internet banking, and mobile banking.
In recent years, the bank has focused heavily on balance sheet clean-up, digital transformation, and profitable growth. In this article, we look at South Indian Bank share price target from 2026 to 2030, along with its fundamentals and long-term outlook.
South Indian Bank Fundamental Analysis
- Market Capitalization: ₹10,100 Cr
- ROE: 12.77%
- P/E Ratio: 7.44
- P/B Ratio: 0.95
- EPS (TTM): ₹5.19
- Dividend Yield: 1.04%
- Book Value: ₹40.64
- Face Value: ₹1
The low P/E and P/B ratios indicate that the stock is still reasonably valued compared to many other banking stocks, while improving ROE reflects better operational efficiency.
South Indian Bank Share Price Target 2026
By 2026, South Indian Bank is expected to benefit from its continued focus on retail banking, MSME lending, and digital channels. The bank has improved asset quality and reduced stress in its loan book, which supports earnings stability.
- Minimum Target: ₹38
- Maximum Target: ₹44
Steady credit growth and better cost control could help the stock move toward these levels.
South Indian Bank Share Price Target 2027
In 2027, the bank may see stronger deposit growth as customer trust improves further. Expansion of digital services and branch optimization can improve profitability.
- Minimum Target: ₹44
- Maximum Target: ₹49
Lower NPAs and higher interest income could strengthen investor confidence during this phase.
South Indian Bank Share Price Target 2028
By 2028, South Indian Bank is expected to be on a more stable growth path. Increased focus on high-yield retail loans and fee-based income may support margins.
- Minimum Target: ₹49
- Maximum Target: ₹56
If economic conditions remain supportive, valuation re-rating is possible due to consistent earnings growth.
South Indian Bank Share Price Target 2029
In 2029, the bank could further strengthen its capital position and diversify revenue through cross-selling and digital products. Improved risk management systems will help control credit costs.
- Minimum Target: ₹56
- Maximum Target: ₹62
This period may reward long-term investors as profitability becomes more predictable.
South Indian Bank Share Price Target 2030
By 2030, South Indian Bank is likely to emerge as a more mature and efficient private sector bank. Stronger balance sheet metrics and stable dividends could attract long-term institutional interest.
- Minimum Target: ₹62
- Maximum Target: ₹69
Sustained growth in retail and MSME lending will be key drivers for achieving these targets.
South Indian Bank Share Price Target Table (2026–2030)
| Year | Minimum Target | Maximum Target |
|---|---|---|
| 2026 | ₹38 | ₹44 |
| 2027 | ₹44 | ₹49 |
| 2028 | ₹49 | ₹56 |
| 2029 | ₹56 | ₹62 |
| 2030 | ₹62 | ₹69 |
South Indian Bank Shareholding Pattern
- Retail & Others: 70.17%
- Foreign Institutions: 17.91%
- Mutual Funds: 10.01%
- Other Domestic Institutions: 1.91%
- Promoters: 0%
High retail participation shows strong public interest, while rising institutional holding reflects improving confidence.
Conclusion
South Indian Bank is a turnaround-focused private bank with improving fundamentals, reasonable valuation, and growing digital capabilities. While it may not be a fast mover like some high-growth banks, its steady improvement in profitability and asset quality makes it an interesting long-term bet for patient investors.
Disclaimer
This article is for educational and informational purposes only. It is not investment advice. Stock market investments are subject to market risk. Please consult a certified financial advisor before making any investment decisions.
