{"id":155249,"date":"2026-07-16T15:37:43","date_gmt":"2026-07-16T10:07:43","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=155249"},"modified":"2026-07-16T15:37:45","modified_gmt":"2026-07-16T10:07:45","slug":"south-indian-bank-q1-results-fy27-pat-378-crore","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/","title":{"rendered":"South Indian Bank Q1 Results FY27: PAT Rises 17.3% to Rs 378 Crore Despite NII Falling 13%"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>South Indian Bank Q1 FY27: PAT Rs 378 Cr, up 17.3% YoY. NII Rs 724.8 Cr, down 13%. GNPA 1.38% vs 1.43% QoQ. NNPA 0.26% vs 1.29% QoQ. Stock nearly flat at Rs 45.48, down 0.09%.<\/em><\/p>\n<p>South Indian Bank Q1 results FY27 were announced on Thursday, 16 July 2026, with the Kerala based private sector lender reporting a net profit of Rs 378 crore, up 17.3% from Rs 322 crore in the year ago quarter. Net interest income in the South Indian Bank Q1 results FY27 fell 13% year on year to Rs 724.8 crore from Rs 862.4 crore, even as profit grew, an unusual combination for a bank.<\/p>\n<p>Asset quality improved sharply, with gross NPA declining to 1.38% from 1.43% in the preceding quarter and net NPA improving dramatically to 0.26% from 1.29%. Shares of <a href=\"https:\/\/univest.in\/stocks\/southbank\/the-south-indian-bank-ltd-share-price-today\">South Indian Bank<\/a> were nearly unchanged, edging down 0.09% to close at Rs 45.48.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=south-indian-bank-q1-fy27-pat\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#South_Indian_Bank_Q1_results_FY27_Financial_Highlights\" title=\"South Indian Bank Q1 results FY27 Financial Highlights\">South Indian Bank Q1 results FY27 Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#South_Indian_Bank_Q1_results_FY27_Performance_Analysis\" title=\"South Indian Bank Q1 results FY27 Performance Analysis\">South Indian Bank Q1 results FY27 Performance Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#South_Indian_Bank_Q1_results_FY27_Key_Business_Factors\" title=\"South Indian Bank Q1 results FY27: Key Business Factors\">South Indian Bank Q1 results FY27: Key Business Factors<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#1_Dramatic_Net_NPA_Improvement\" title=\"1. Dramatic Net NPA Improvement\">1. Dramatic Net NPA Improvement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#2_Declining_Net_Interest_Income\" title=\"2. Declining Net Interest Income\">2. Declining Net Interest Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#3_Gross_NPA_Also_Improving\" title=\"3. Gross NPA Also Improving\">3. Gross NPA Also Improving<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Dividend_Details\" title=\"Dividend Details\">Dividend Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#South_Indian_Bank_Q1_results_FY27_Outlook_for_the_Full_Year\" title=\"South Indian Bank Q1 results FY27 Outlook for the Full Year\">South Indian Bank Q1 results FY27 Outlook for the Full Year<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#South_Indian_Bank_Stock_Performance_After_the_Q1_Results\" title=\"South Indian Bank Stock Performance After the Q1 Results\">South Indian Bank Stock Performance After the Q1 Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Key_Risks\" title=\"Key Risks\">Key Risks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#1_Declining_Core_Income\" title=\"1. Declining Core Income\">1. Declining Core Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#2_Sustainability_of_Asset_Quality_Gains\" title=\"2. Sustainability of Asset Quality Gains\">2. Sustainability of Asset Quality Gains<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#3_Competitive_Pressure_in_Kerala_Banking_Market\" title=\"3. Competitive Pressure in Kerala Banking Market\">3. Competitive Pressure in Kerala Banking Market<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Frequently_Asked_Questions_on_South_Indian_Bank_Q1_results_FY27\" title=\"Frequently Asked Questions on South Indian Bank Q1 results FY27\">Frequently Asked Questions on South Indian Bank Q1 results FY27<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#When_were_the_South_Indian_Bank_Q1_results_FY27_announced\" title=\"When were the South Indian Bank Q1 results FY27 announced?\">When were the South Indian Bank Q1 results FY27 announced?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#What_is_the_PAT_in_South_Indian_Bank_Q1_results_FY27\" title=\"What is the PAT in South Indian Bank Q1 results FY27?\">What is the PAT in South Indian Bank Q1 results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#What_was_the_NII_in_South_Indian_Bank_Q1_results_FY27\" title=\"What was the NII in South Indian Bank Q1 results FY27?\">What was the NII in South Indian Bank Q1 results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Why_did_South_Indian_Bank_profit_grow_despite_falling_NII_in_Q1_FY27\" title=\"Why did South Indian Bank profit grow despite falling NII in Q1 FY27?\">Why did South Indian Bank profit grow despite falling NII in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#What_is_the_asset_quality_in_South_Indian_Bank_Q1_results_FY27\" title=\"What is the asset quality in South Indian Bank Q1 results FY27?\">What is the asset quality in South Indian Bank Q1 results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#How_did_South_Indian_Bank_share_price_react_to_the_Q1_results_FY27\" title=\"How did South Indian Bank share price react to the Q1 results FY27?\">How did South Indian Bank share price react to the Q1 results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/south-indian-bank-q1-results-fy27-pat-378-crore\/#Is_South_Indian_Bank_a_good_buy_after_the_Q1_results_FY27\" title=\"Is South Indian Bank a good buy after the Q1 results FY27?\">Is South Indian Bank a good buy after the Q1 results FY27?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Q1_results_FY27_Financial_Highlights\"><\/span><strong>South Indian Bank Q1 results FY27 Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The June quarter showed profit growth despite falling NII, alongside a dramatic improvement in net NPA, a combination central to the South Indian Bank Q1 results FY27. The table below summarises the key numbers for the quarter.<\/p>\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>Q1 FY27<\/th>\n<th>Q1 FY26<\/th>\n<th>YoY \/ QoQ Change<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Net Profit (PAT)<\/td>\n<td>Rs 378 Cr<\/td>\n<td>Rs 322 Cr<\/td>\n<td>+17.3% YoY<\/td>\n<\/tr>\n<tr>\n<td>Net Interest Income (NII)<\/td>\n<td>Rs 724.8 Cr<\/td>\n<td>Rs 862.4 Cr<\/td>\n<td>-13% YoY<\/td>\n<\/tr>\n<tr>\n<td>Gross NPA<\/td>\n<td>1.38%<\/td>\n<td>1.43% (QoQ)<\/td>\n<td>Improved<\/td>\n<\/tr>\n<tr>\n<td>Net NPA<\/td>\n<td>0.26%<\/td>\n<td>1.29% (QoQ)<\/td>\n<td>Improved sharply<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The dramatic improvement in net NPA to 0.26% from 1.29% sequentially in the South Indian Bank Q1 results FY27 is the standout metric this quarter, a scale of improvement that likely reflects either significant recoveries, write-backs, or enhanced provisioning coverage on stressed assets.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Q1_results_FY27_Performance_Analysis\"><\/span><strong>South Indian Bank Q1 results FY27 Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/sebi-registered-investment-advisor-india\"><strong>Get Personalised Guidance from a SEBI-Registered Investment Advisor<\/strong><\/a><\/p>\n<p>The most unusual feature of the South Indian Bank Q1 results FY27 is that PAT grew 17.3% even as NII fell 13%, a combination that suggests the sharp improvement in asset quality, reflected in net NPA collapsing to 0.26% from 1.29%, drove significantly lower provisioning that more than offset the weaker core income line.<\/p>\n<p>NII declining 13% year on year is a meaningful concern on its own, potentially reflecting margin compression from deposit repricing, slower loan growth, or a shrinking loan book, and investors should look for management clarity on the specific driver of this decline.<\/p>\n<p>The scale of net NPA improvement in the South Indian Bank Q1 results FY27, nearly five-fold better than the preceding quarter, is dramatic enough that investors should seek confirmation of whether this reflects a genuine structural improvement in asset quality or a one-time recovery or technical adjustment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Q1_results_FY27_Key_Business_Factors\"><\/span><strong>South Indian Bank Q1 results FY27: Key Business Factors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Dramatic_Net_NPA_Improvement\"><\/span><strong>1. Dramatic Net NPA Improvement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Net NPA improving to 0.26% from 1.29% sequentially is the standout development in the South Indian Bank Q1 results FY27, a scale of change that likely drove significantly lower provisioning and supported the profit growth despite weaker NII.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Declining_Net_Interest_Income\"><\/span><strong>2. Declining Net Interest Income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>NII falling 13% year on year is a meaningful concern, potentially reflecting margin pressure from deposit costs or slower loan growth, a trend that needs to reverse for sustained core profitability.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Gross_NPA_Also_Improving\"><\/span><strong>3. Gross NPA Also Improving<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gross NPA improving to 1.38% from 1.43% sequentially in the South Indian Bank Q1 results FY27 reinforces the positive asset quality trend, complementing the more dramatic net NPA improvement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_Details\"><\/span><strong>Dividend Details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No new dividend was announced specifically alongside the South Indian Bank Q1 results FY27. Investors should watch for the bank&#8217;s dividend history and future board meeting announcements to gauge its capital allocation approach going forward.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Q1_results_FY27_Outlook_for_the_Full_Year\"><\/span><strong>South Indian Bank Q1 results FY27 Outlook for the Full Year<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether NII can recover from this quarter&#8217;s 13% decline while asset quality improvements are sustained will be the key factors to watch into the September quarter. Investors should seek management clarity on the specific drivers behind both the NII decline and the dramatic net NPA improvement to better assess the durability of this quarter&#8217;s profit growth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Stock_Performance_After_the_Q1_Results\"><\/span><strong>South Indian Bank Stock Performance After the Q1 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track South Indian Bank live share price and upcoming quarterly results.<\/em><\/p>\n<p>South Indian Bank share price was nearly unchanged, edging down 0.09% to close at Rs 45.48 after the South Indian Bank Q1 results FY27, a muted reaction to the mixed nature of this quarter&#8217;s results.<\/p>\n<p>The flat stock reaction likely reflects the market weighing the positive profit growth and asset quality improvement against the concerning NII decline, with investors seemingly adopting a wait-and-see approach pending further clarity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks\"><\/span><strong>Key Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors going through the fine print of the South Indian Bank Q1 results FY27 should also weigh the following risks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Declining_Core_Income\"><\/span><strong>1. Declining Core Income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>NII falling 13% year on year in the South Indian Bank Q1 results FY27 is a structural concern that, if it persists, could weigh on the bank&#8217;s core profitability regardless of asset quality trends.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Sustainability_of_Asset_Quality_Gains\"><\/span><strong>2. Sustainability of Asset Quality Gains<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The dramatic improvement in net NPA warrants scrutiny to confirm whether it reflects a genuine, sustainable trend or a one-time technical or recovery-driven adjustment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Competitive_Pressure_in_Kerala_Banking_Market\"><\/span><strong>3. Competitive Pressure in Kerala Banking Market<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As a regional bank with a strong presence in Kerala, South Indian Bank faces competition from larger national banks and other regional players for deposits and quality lending opportunities.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>South Indian Bank Q1 results FY27 show PAT up 17.3% to Rs 378 crore despite NII falling 13% to Rs 724.8 crore, with net NPA improving dramatically to 0.26% from 1.29% sequentially. The sharp asset quality improvement is the standout positive in the South Indian Bank Q1 results FY27, against a concerning decline in core net interest income. Investors should seek clarity on both trends and consult a SEBI-registered advisor before acting on the numbers.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_South_Indian_Bank_Q1_results_FY27\"><\/span><strong>Frequently Asked Questions on South Indian Bank Q1 results FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"When_were_the_South_Indian_Bank_Q1_results_FY27_announced\"><\/span><strong>When were the South Indian Bank Q1 results FY27 announced?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The South Indian Bank Q1 results FY27 were announced on Thursday, 16 July 2026, for the quarter ended 30 June 2026.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PAT_in_South_Indian_Bank_Q1_results_FY27\"><\/span><strong>What is the PAT in South Indian Bank Q1 results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The PAT in South Indian Bank Q1 results FY27 stood at Rs 378 crore, up 17.3% from Rs 322 crore in Q1 FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_the_NII_in_South_Indian_Bank_Q1_results_FY27\"><\/span><strong>What was the NII in South Indian Bank Q1 results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Net interest income in the South Indian Bank Q1 results FY27 fell 13% year on year to Rs 724.8 crore from Rs 862.4 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_did_South_Indian_Bank_profit_grow_despite_falling_NII_in_Q1_FY27\"><\/span><strong>Why did South Indian Bank profit grow despite falling NII in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PAT grew 17.3% in the South Indian Bank Q1 results FY27 despite the NII decline, likely because the dramatic improvement in net NPA to 0.26% from 1.29% sequentially drove significantly lower provisioning that more than offset weaker core income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_asset_quality_in_South_Indian_Bank_Q1_results_FY27\"><\/span><strong>What is the asset quality in South Indian Bank Q1 results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Asset quality in the South Indian Bank Q1 results FY27 improved sharply, with gross NPA at 1.38% versus 1.43% and net NPA at 0.26% versus 1.29% in the preceding quarter.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_South_Indian_Bank_share_price_react_to_the_Q1_results_FY27\"><\/span><strong>How did South Indian Bank share price react to the Q1 results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank share price was nearly unchanged, edging down 0.09% to close at Rs 45.48 after the South Indian Bank Q1 results FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_South_Indian_Bank_a_good_buy_after_the_Q1_results_FY27\"><\/span><strong>Is South Indian Bank a good buy after the Q1 results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The South Indian Bank Q1 results FY27 show profit growth and dramatic asset quality improvement, though a concerning decline in NII warrants further scrutiny. This article is for educational purposes only. Consult a SEBI-registered advisor before investing.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"When were the South Indian Bank Q1 results FY27 announced?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The South Indian Bank Q1 results FY27 were announced on Thursday, 16 July 2026, for the quarter ended 30 June 2026.\"}},{\"@type\":\"Question\",\"name\":\"What is the PAT in South Indian Bank Q1 results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The PAT in South Indian Bank Q1 results FY27 stood at Rs 378 crore, up 17.3% from Rs 322 crore in Q1 FY26.\"}},{\"@type\":\"Question\",\"name\":\"What was the NII in South Indian Bank Q1 results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Net interest income in the South Indian Bank Q1 results FY27 fell 13% year on year to Rs 724.8 crore from Rs 862.4 crore.\"}},{\"@type\":\"Question\",\"name\":\"Why did South Indian Bank profit grow despite falling NII in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PAT grew 17.3% in the South Indian Bank Q1 results FY27 despite the NII decline, likely because the dramatic improvement in net NPA to 0.26% from 1.29% sequentially drove significantly lower provisioning that more than offset weaker core income.\"}},{\"@type\":\"Question\",\"name\":\"What is the asset quality in South Indian Bank Q1 results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Asset quality in the South Indian Bank Q1 results FY27 improved sharply, with gross NPA at 1.38% versus 1.43% and net NPA at 0.26% versus 1.29% in the preceding quarter.\"}},{\"@type\":\"Question\",\"name\":\"How did South Indian Bank share price react to the Q1 results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank share price was nearly unchanged, edging down 0.09% to close at Rs 45.48 after the South Indian Bank Q1 results FY27.\"}},{\"@type\":\"Question\",\"name\":\"Is South Indian Bank a good buy after the Q1 results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The South Indian Bank Q1 results FY27 show profit growth and dramatic asset quality improvement, though a concerning decline in NII warrants further scrutiny. This article is for educational purposes only. Consult a SEBI-registered advisor before investing.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>South Indian Bank Q1 results FY27: PAT up 17.3% YoY to Rs 378 crore despite NII falling 13%, as net NPA improves dramatically to 0.26% from 1.29% sequentially. Full analysis.<\/p>\n","protected":false},"author":34,"featured_media":155267,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[4796],"class_list":["post-155249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-q1-results-fy27"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1784196470:23"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["80"],"rank_math_title":["South Indian Bank Q1 results FY27: PAT Up 17%, NII Down 13%"],"rank_math_description":["South Indian Bank Q1 results FY27: net profit up 17.3% YoY to Rs 378 crore despite NII falling 13% to Rs 724.8 crore. GNPA and NNPA both improve sharply. 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