Synopsis: The business updates of Indian Bank, South Indian Bank, Punjab & Sind Bank, and UCO Bank compare key operating metrics as of 31 December 2025 with 31 December 2024. The comparison focuses on total business, total deposits, CASA balances and ratios, gross advances, domestic lending growth, and credit-deposit ratios, highlighting how each bank’s balance sheet, deposit mix, and lending activity have changed over the year amid improving credit conditions.
Bank Nifty is trading close to its all-time high of 60,203 showing strong confidence in banking stocks. The recent rise indicates that investors are expecting steady loan growth, healthy balance sheets, and stable asset quality. With markets already priced in positively, the upcoming business updates and results from banks will be important to see if their actual performance supports the sharp move in banking stocks.
Bank lending has increased during the year as borrowing conditions became more supportive. The repo rate was reduced steadily from 6.50% at the start of 2025 to 5.25% by December 2025, making loans more affordable and encouraging demand across retail and corporate segments. This has helped banks expand their loan books and improve overall business activity. In this context, we will look at the business updates of Indian Bank and three other banks as on 31 December 2025 to see how their lending and deposit trends have evolved.
Indian Bank
Indian Bank has recently informed the stock exchanges regarding its business performance figures as on 31 December 2025, comparing it with performance during 31 December 2024 and 31 March 2025. The bank’s total business stood at Rs. 14.30 lakh Crore showing YoY growth of 13.4 percent from Rs. 12.61 Lakh Crores. Total deposits have increased to Rs. 7.90 lakh Crores, showing YoY growth of 12.5 percent from Rs. 7.02 lakh Crores.
SB deposits have increased decently from Rs. 2.34 Crores to Rs. 2.52 Crores, up 7.7 percent YoY. Current account deposits have increased from Rs. 0.36 Lakh Crores to 0.43 Lakh Crores, up 19.4 percent YoY. Current account savings account ratio (CASA %) stands at 39.02 percent.
When it comes to lending, the gross advances have increased from Rs. 5.59 lakh Crore to Rs. 6.40 lakh Crores, up 14.5 percent YoY and the RAM (retail, agriculture and MSME) domestic lending segment has increased from Rs. 3.35 lakh Crores to Rs. 3.92 lakh Crores, up 17 percent YoY.
With the market capitalization of Rs. 1,15,772 Crores, the shares of Indian Bank has reached an intraday high of Rs. 864 per share, raising nearly 3.7 percent from its previous day close of Rs. 832.6 per share and is trading at a P/E of 9.89 whereas industry P/E stands at 8.23
South Indian Bank
The bank’s gross advances stood at Rs. 96,765 Crores as on 31 December 2025, up 11.27 percent compared to 86,966 Crores on 31 December 2024. The bank also clarifies that during the quarter ended 31 March 2025, the bank had technically written off Rs. 900 Crores and if they had not written it off then the YoY growth in advances would have been 12.43 percent.
The Bank’s Total deposits increased from Rs. 105387 Crores to 118211 Crores, up 12.17 percent YoY and within deposits the CASA balance rose to Rs. 37,640 Crores, up 14.65 percent from earlier CASA balance of Rs. 32830 Crores. Along with this CASA ratio has increased from 31.15 percent to 31.84 percent, showing an increase of 69 bps over the year.
With the market capitalization of Rs. 10,097 Crores, the shares of South Indian bank has reached an intraday high of Rs.39.58 per share, rising nearly 4 percent from its previous day close of Rs. 37.93 per share and is trading at a P/E of 7.48 whereas the industry P/E stands at 8.23
Punjab & Sind Bank
The bank’s total business stood at Rs. ~2.50 lakh crore, showing YoY growth of 11.84 percent from Rs. 2.23 lakh crore. Total deposits increased to Rs. 1.39 lakh crore, registering YoY growth of 9.27 percent from Rs. 1.27 lakh crore. CASA deposits stood at Rs. 43,182 crore, up 8.77 percent YoY, while the CASA ratio was at 31.02 percent.
On the lending side, gross advances rose to Rs. 1.10 lakh crore, showing a YoY growth of 15.25 percent compared to Rs. 95,870 crore. The credit-deposit (CD) ratio stood at 79.37 percent as of 31 December 2025.
With the market capitalization of Rs. 20,889 Crores, the shares of Punjab & Sind Bank has reached an intraday high of Rs. 29.5 per share, rising nearly 5.5 percent from its previous day close of Rs. 27.97 per share and is trading at a P/E of 18.1 where as industry P/E stands at 8.23
UCO Bank
The bank’s total business stood at Rs. 5.54 lakh crore, showing YoY growth of 13.29 percent from Rs. 4.89 lakh crore. Total deposits increased to Rs. 3.10 lakh crore, registering YoY growth of 10.71 percent from Rs. 2.80 lakh crore. Domestic deposits stood at Rs. 2.92 lakh crore, up 10.19 percent YoY, while the domestic CASA ratio improved to 38.41 percent.
On the lending side, total advances rose to Rs. 2.43 lakh crore, showing a YoY growth of 16.27 percent, while domestic advances increased to Rs. 2.15 lakh crore, up 17.49 percent YoY. The credit-deposit (CD) ratio stood at 78.61 percent as of 31 December 2025.
With the market capitalization of Rs. 38,271 Crores, the shares of UCO Bank has reached an intraday high of Rs. 30.70 per share, raising nearly 3.7 percent from its previous day close of Rs. 29.53 per share and is trading at a P/E of 15.2 whereas industry P/E stands at 8.23.
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