Punjab & Sind Bank financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹3,747cr+11.1% on Q2 FY26
Net interest income
₹1,161cr+22.2% on Q2 FY26
Net profit
₹412cr+39.9% on Q2 FY26
EPS
₹0.58+38.1% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income3,7473,373+11.1%
Net interest income1,161950+22.2%
Operating profit617505+22.3%
Net profit412295+39.9%
EPS₹0.58₹0.42+38.1%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹3,747 crNet profit₹412 crNet interest margin2.4%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
13,283————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
12,68011,98211,48110,8517,993
—+4.4%+5.8%+35.8%—
4,1613,8113,7843,998—
—+0.7%−5.4%——
2.2%2.2%2.5%2.7%—
2,3002,1822,0751,1311,450
1,5021,3221,0165951,313
—+30.1%+70.6%−54.7%—
₹2.12₹1.86₹1.43₹0.84₹1.85
—+30.1%+70.6%−54.7%—
9.6%9.6%7.0%3.8%—
Balance sheet & asset quality
1,53,3121,45,8291,29,7741,19,410—
1,24,0341,15,91297,30082,736—
—2.4%3.4%5.4%—
—0.8%1.0%1.6%—
Open the chart

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

PSB₹18.72

Punjab & Sind Bank

· Banking & Finance
₹ CrorePeersUCOBANKCENTRALBKIOBPRUDENTRELIGARESHAREINDIAMAHSCOOTERKTKBANKMcap ₹13,283 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————13,282.9
Interest Earned7,992.710,850.811,481.311,981.512,679.8
Growth %, YoY—+35.8+5.8+4.4—
Net Interest Income—3,997.83,783.73,811.44,160.6
Growth %, YoY——-5.4+0.7—
NIM %, on assets—2.712.452.232.23
Operating Profit (PPOP)1,449.91,130.92,074.92,181.72,299.5
Net Income1,313.0595.41,015.81,321.91,501.7
Growth %, YoY—-54.7+70.6+30.1—
EPS, Adj (current shares)1.850.841.431.862.12
Growth %, YoY—-54.7+70.6+30.1—
ROE %—3.837.039.629.62
Balance Sheet & Asset Quality
Deposits—1,19,409.61,29,774.01,45,829.01,53,312.0
Advances—82,736.497,299.91,15,911.71,24,033.7
Gross NPA %—5.433.382.40—
Net NPA %—1.630.960.79—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
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%.

Punjab & Sind Bank financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

Punjab & Sind Bank (NSE: PSB) had a market capitalisation of ₹13,467 crore at the 29 October 2026 close (₹18.98 a share), a PE ratio of 9.0 on the last four quarters' profit and a price-to-book ratio of 0.93. In FY26 its standalone net profit was ₹1,322 crore on net interest income of ₹3,811 crore; in Q2 FY27 (July–September 2026) it was ₹412 crore, up 39.9% year on year. Gross NPAs were 2.09% of advances on 30 September 2026. Promoters held 93.85% of the shares on 30 September 2026.

Share price used
₹18.98 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Punjab & Sind Bank at a glance · consolidated

Market cap
₹13,467 Crat ₹18.98 · 29 Oct close
PE ratio (last 4 quarters)
9.010.2 on FY26 profit
Price to book (PB)
0.93book value ₹20.50 a share
ROE (FY26)
9.6%+2.6 pts vs FY25
Gross NPA
2.09%2.92% in Q2 FY26net NPA 0.61% · Q2 FY27
Promoter holding
93.85%unchanged vs 30 Jun 202630 September 2026
Dividend yield
2.05%₹0.39 a share in 12 months
Net worth
₹14,544 Cr+6.7% vs 30 Sep 202530 September 2026
CET1 ratio
15.49%30 September 2026

Questions

What is the Punjab & Sind Bank PE ratio today?

Punjab & Sind Bank's PE ratio is 9.0 at the 29 October 2026 close (₹18.98 a share): a market capitalisation of ₹13,467 crore divided by consolidated net profit of ₹1,502 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹1,322 crore) it is 10.2.

What is the Punjab & Sind Bank net worth?

Punjab & Sind Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹14,544 crore on 30 September 2026, up 6.7% from ₹13,634 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹13,467 crore at the 29 October 2026 close.

What is the Punjab & Sind Bank ROE?

In FY26, Punjab & Sind Bank's return on equity (ROE) was 9.6%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 7.0%.

What is the Punjab & Sind Bank PB ratio (price to book value)?

Punjab & Sind Bank's price-to-book (PB) ratio is 0.93 at the 29 October 2026 close: a market capitalisation of ₹13,467 crore divided by shareholders' equity (book value) of ₹14,544 crore on 30 September 2026. That is a book value of ₹20.50 per share against a share price of ₹18.98.

What is the Punjab & Sind Bank book value per share?

Punjab & Sind Bank's book value per share was ₹20.50 on 30 September 2026: shareholders' equity of ₹14,544 crore divided by the 709.56 crore shares in issue, up 6.7% from ₹19.21 a year earlier. The share price at the 29 October 2026 close was ₹18.98.

What are the Punjab & Sind Bank deposits and advances?

On 30 September 2026, Punjab & Sind Bank's deposits were ₹1,53,312 crore, up 13.0% from a year earlier, and its advances (loans) were ₹1,24,034 crore, up 19.9% from a year earlier.

What is the Punjab & Sind Bank market cap?

Punjab & Sind Bank's market capitalisation was ₹13,467 crore at the 29 October 2026 close: 709.56 crore shares at ₹18.98 each.

What is the Punjab & Sind Bank EPS?

Punjab & Sind Bank's basic earnings per share (EPS) were ₹1.86 in FY26, against ₹1.50 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹2.11.

What is the Punjab & Sind Bank capital adequacy ratio?

Punjab & Sind Bank's common equity tier 1 (CET1) ratio was 15.49% on 30 September 2026.

What is the Punjab & Sind Bank NPA?

Punjab & Sind Bank's gross non-performing assets (NPAs) were ₹2,636 crore, 2.09% of gross advances, on 30 September 2026 (2.92% a year earlier). Net NPAs were 0.61% of net advances (0.83% a year earlier).

What is the Punjab & Sind Bank CD ratio (credit-deposit ratio)?

Punjab & Sind Bank's credit-deposit ratio was 80.9% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What is the Punjab & Sind Bank dividend yield?

Punjab & Sind Bank's dividend yield is 2.05% at the 29 October 2026 close: dividends of ₹0.39 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹18.98. They were ₹0.39 on 21 July 2026.

What is the Punjab & Sind Bank dividend in 2026 and its record date?

In 2026, Punjab & Sind Bank has declared one dividend: ₹0.39 with record date 21 July 2026.

What is the Punjab & Sind Bank promoter holding?

Promoters held 93.85% of Punjab & Sind Bank on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

When are the Punjab & Sind Bank next results?

Punjab & Sind Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

What is the Punjab & Sind Bank shareholding pattern?

On 30 September 2026, Punjab & Sind Bank's shares were held by promoters 93.85%, foreign portfolio investors (FII/FPI) 0.12%, domestic institutions (DII) 3.79% (including mutual funds at 0.15%) and retail and other non-institutional investors 2.24%. Over the year, FII holding was down 0.04 percentage points from 0.16% and DII holding was down 0.25 percentage points from 4.04%.

How does the Punjab & Sind Bank PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit, Punjab & Sind Bank's PE ratio is 10.2, the second highest of the four: UCO Bank 10.0, Central Bank of India 5.8 and Indian Overseas Bank (IOB) 10.4, a peer average of 8.8. Each is the company's market capitalisation at that price divided by its FY26 net profit.

Punjab & Sind Bank vs UCO Bank: how do they compare?

In FY26, Punjab & Sind Bank earned net profit of ₹1,322 crore, against ₹2,768 crore for UCO Bank. Punjab & Sind Bank's return on equity was 9.6% (UCO Bank 8.6%) and its gross NPA ratio 2.40% (UCO Bank 2.17%). At the 29 October 2026 close, Punjab & Sind Bank's market capitalisation was ₹13,467 crore against ₹27,800 crore for UCO Bank, and its PE ratio on FY26 profit 10.2 against 10.0.

What are the Punjab & Sind Bank latest quarterly results?

Punjab & Sind Bank's latest results are for Q2 FY27 (July–September 2026), filed on 17 October 2026: standalone net profit ₹412 crore, up 39.9% from ₹295 crore in Q2 FY26; net interest income ₹1,161 crore, up 22.2% year on year.

What is the Punjab & Sind Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Punjab & Sind Bank's standalone net profit was ₹1,322 crore, up 30.1% from ₹1,016 crore in FY25, on net interest income of ₹3,811 crore (up 0.7%). Over three years, from FY23, net profit was up 0.7%.

How does Punjab & Sind Bank compare with its peers?

On FY26 consolidated figures, against UCO Bank, Central Bank of India and Indian Overseas Bank (IOB): Punjab & Sind Bank's return on equity of 9.6% is the third highest of the four (UCO Bank 8.6%, Central Bank of India 11.9%, Indian Overseas Bank (IOB) 15.7%; peer average 12.1%); its return on assets of 0.78% is the third highest of the four (UCO Bank 0.73%, Central Bank of India 0.87%, Indian Overseas Bank (IOB) 1.20%; peer average 0.93%); its gross NPA ratio of 2.40% is the highest of the four (UCO Bank 2.17%, Central Bank of India 0.03%, Indian Overseas Bank (IOB) 1.42%; peer average 1.21%).

Where do these Punjab & Sind Bank figures come from?

From Punjab & Sind Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.