Punjab National Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	13.0%	13.0%	15.2%	8.3%	—
	0.9%	0.9%	1.0%	0.5%	—
	2.2%	2.2%	2.5%	2.5%	—
	51.8%	51.8%	54.5%	53.5%	—
	0.2%	0.2%	0.1%	1.2%	—
	1.6%	1.6%	1.9%	1.8%	—
	12.5%	12.5%	11.7%	10.9%	—
	71.8%	71.8%	68.9%	68.3%	—
Additional
	24.4%	36.9%	33.1%	37.5%	36.9%
	—	19.4%	9.5%	8.6%	23.0%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

PNB₹123.90

Punjab National Bank

· Banking & Finance

₹ CrorePeersSBIN BANKBARODA CANBK UNIONBANK CHOLAFIN SHRIRAMFIN SBILIFE JIOFINMcap ₹1.42L Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	8.25	15.18	12.99	12.99
Return on Assets	—	0.52	1.01	0.88	0.88
Margins & Efficiency
Net Interest Margin (on assets)	—	2.54	2.51	2.20	2.20
Cost to Income	—	53.49	54.48	51.84	51.84
Credit Cost (provisions / avg advances)	—	1.24	0.11	0.21	0.21
Operating Expenses / Avg Assets	—	1.80	1.88	1.64	1.64
Other Income Share of Total Income	—	10.89	11.71	12.51	12.51
Credit-Deposit Ratio	—	68.28	68.88	71.78	71.78
Additional
Effective Tax Rate	36.86	37.53	33.06	36.87	24.35
Dvd Payout Ratio	22.96	8.59	9.47	19.45	—

No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.