The South Indian Bank Limited (SOUTHBANK) — Defensive Interval Ratio

Latest as of March 2025: 36 days

The South Indian Bank Limited (SOUTHBANK) has a Defensive Interval Ratio of 36 days as of March 2025. Defensive assets of Rs106.81 Billion (cash Rs-, short-term investments Rs-, receivables Rs106.81 Billion) cover 36 days of daily cash needs of Rs2.97 Billion/day.

Defensive Interval Ratio

36 days
Days of operational coverage

Defensive Assets

Rs106.81 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs2.97 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs1.08 Trillion
INR

The South Indian Bank Limited Defensive Interval Ratio (2013–2025)

This chart shows how The South Indian Bank Limited's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of March 2025, the ratio stands at 36 days, meaning defensive assets of Rs106.81 Billion can fund 36 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of The South Indian Bank Limited.

Annual Defensive Interval Ratio for The South Indian Bank Limited (2013–2025)

The table below presents the year-by-year Defensive Interval Ratio for The South Indian Bank Limited from 2013 to 2025, covering 13 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See SOUTHBANK working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 36 days Rs106.81 Billion Rs2.95 Billion/day Rs- Rs- ▲ +19 days
2024 17 days Rs47.10 Billion Rs2.80 Billion/day Rs- Rs-67.29 Billion ▼ -16549 days
2023 16565 days Rs92.65 Billion Rs5.59 Million/day Rs- Rs- ▲ +4164 days
2022 12401 days Rs61.20 Billion Rs4.93 Million/day Rs- Rs- ▲ +4897 days
2021 7504 days Rs38.32 Billion Rs5.11 Million/day Rs- Rs- ▼ -2386 days
2020 9890 days Rs54.93 Billion Rs5.55 Million/day Rs- Rs- ▲ +1827 days
2019 8063 days Rs63.37 Billion Rs7.86 Million/day Rs- Rs2.50 Billion ▼ -3800 days
2018 11863 days Rs54.87 Billion Rs4.62 Million/day Rs- Rs7.50 Billion ▲ +2503 days
2017 9361 days Rs41.47 Billion Rs4.43 Million/day Rs- Rs5.00 Billion ▲ +3339 days
2016 6021 days Rs25.09 Billion Rs4.17 Million/day Rs- Rs1.75 Billion ▲ +1350 days
2015 4672 days Rs24.74 Billion Rs5.30 Million/day Rs- Rs- ▼ -2611 days
2014 7283 days Rs39.42 Billion Rs5.41 Million/day Rs- Rs- ▲ +1414 days
2013 5869 days Rs32.08 Billion Rs5.47 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)