Punjab & Sind 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.
	9.6%	9.6%	7.0%	3.8%	—
	0.8%	0.8%	0.7%	0.4%	—
	2.2%	2.2%	2.5%	2.7%	—
	61.0%	61.0%	61.2%	72.2%	—
	0.4%	0.4%	0.8%	0.2%	—
	2.0%	2.0%	2.1%	2.0%	—
	12.9%	12.9%	12.0%	0.6%	—
	79.5%	79.5%	75.0%	69.3%	—
Additional
	28.1%	24.6%	24.1%	36.5%	18.9%
	—	3.8%	13.3%	54.6%	16.0%

Open the chart

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

alphave

PSB₹18.98

Punjab & Sind Bank

· Banking & Finance

₹ CrorePeersUCOBANK CENTRALBK IOB PRUDENT RELIGARE SHAREINDIA MAHSCOOTER KTKBANKMcap ₹13,467 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	—	3.83	7.03	9.62	9.62
Return on Assets	—	0.40	0.66	0.78	0.78
Margins & Efficiency
Net Interest Margin (on assets)	—	2.71	2.45	2.23	2.23
Cost to Income	—	72.16	61.23	60.97	60.97
Credit Cost (provisions / avg advances)	—	0.23	0.82	0.40	0.40
Operating Expenses / Avg Assets	—	1.99	2.12	2.00	2.00
Other Income Share of Total Income	—	0.59	12.01	12.92	12.92
Credit-Deposit Ratio	—	69.29	74.98	79.48	79.48
Additional
Effective Tax Rate	18.94	36.45	24.05	24.56	28.10
Dvd Payout Ratio	16.00	54.64	13.34	3.76	—

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%.