Punjab & Sind Bank logo

Punjab & Sind Bank results

NSE: PSBBSE: 533295BanksSmall Cap

Last close ₹18.21down ₹2.14 (10.52%)BSE ₹18.25

Share price at the NSE close on 23 Oct 2026. Previous close ₹20.35.

52-week range of traded prices to 23 Oct 2026
₹18.00Low, 23 Oct 2026₹32.46High, 31 Oct 2025
Market cap
₹12,921 Cr371st largest listed
P/E
8.6
P/B
0.9
Dividend yield
2.14%
ROE
10.7%
NIM
2.46%
Gross NPA
2.09%
Net NPA
0.61%
CET1
15.49%
ROA
0.78%
Volume, NSE
76,58,88347.8% delivered

Q2 results, quarter to Sep 2026

Standalone: the listed company alone, without its subsidiaries. ₹ crore.Punjab & Sind Bank annual results and balance sheet

Total income
₹3,747 Cr+11.1% on a year ago · +5.7% on the quarter before
Net profit
₹412 Cr+39.9% on a year ago · +24.3% on the quarter before
Earnings per share
₹0.58+38.1% on a year ago · +23.4% on the quarter before
Net interest income
₹1,161 Cr
Profit before provisions
₹617 Cr
Gross bad loans
2.09%

From interest earned to net profit, ₹ crore

  1. Interest earned3,394
  2. Interest paid−2,234
  3. Net interest income1,161
  4. Other income+352
  5. Operating expenses−895
  6. Before provisions617
  7. Set aside for bad loans−52
  8. Profit before tax565
  9. Tax−153
  10. Net profit412

Punjab & Sind Bank results by quarter

Standalone: the listed company alone, without its subsidiaries. Latest quarter to Sep 2026. Results for the quarter to Dec 2026 are due by 14 Feb 2027, 45 days after it ends.Results filings and date

Total income and net profit by quarter, ₹ crore

  • Total income
  • Net profit

Net interest income and money set aside for bad loans by quarter, ₹ crore

  • Net interest income
  • Set aside for bad loans
  • Loss
₹ croreDec 2021Q3Filed 7 FebMar 2022Q4Filed 23 MayJun 2022Q1Filed 3 AugSep 2022Q2Filed 18 NovDec 2022Q3Filed 24 JanMar 2023Q4Filed 9 MayJun 2023Q1Filed 5 AugSep 2023Q2Filed 18 NovDec 2023Q3Filed 12 FebMar 2024Q4Filed 13 MayJun 2024Q1Filed 20 AugSep 2024Q2Filed 4 NovDec 2024Q3Filed 15 JanMar 2025Q4Filed 29 AprJun 2025Q1Filed 19 JulSep 2025Q2Filed 16 OctDec 2025Q3Filed 17 JanMar 2026Q4Filed 27 AprJun 2026Q1Filed 18 JulSep 2026Q2Filed 17 Oct
Total income2,0422,0081,9152,1202,2452,6522,4942,6742,8532,8942,8463,0983,2693,8363,3793,3733,5493,4573,5463,747
1,8711,7931,8001,9802,1072,1052,3162,4062,4912,8812,6522,7392,9313,1592,9112,9993,0423,0303,2133,394
On loans1,2671,1931,2211,3571,4341,4911,6781,7211,7851,7681,8251,8982,1042,3312,0562,1492,1982,1782,3492,491
On investments544546549598621591616663683694813799801812819835828827847863
On balances with the RBI and other banks36331159555662465534456
Other interest23212020431817171741312381912321112211235
Interest paid1,1141,0961,0911,2051,3021,4211,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,0552,1752,234
Net interest income7586987097758056847386757391,0898508739391,1229009509869751,0391,161
Other income17121511514013854717926836213194359338677469374507427332352
596595572598598695659683824766727774793982829819899860826895
Profit before provisions332317252318344536257260277336317458484816540505594542545617
Set aside for bad loans26−132−30125−207−5723−3596110103151109374217148138−739452
Exceptional items00000000000000000000
Profit before tax306449282193552593234295181227213307375442323357456615451565
Tax510378−851791368210666873268931305463120194120153
Net profit301346205278373457153189114139182240282313269295336422332412
Earnings per share₹0.74₹0.85₹0.30₹0.41₹0.55₹0.67₹0.23₹0.28₹0.17₹0.21₹0.27₹0.35₹0.42₹0.46₹0.38₹0.42₹0.47₹0.59₹0.47₹0.58
Diluted earnings per share₹0.74₹0.85₹0.30₹0.41₹0.55₹0.67₹0.23₹0.28–₹0.21₹0.27₹0.35₹0.42₹0.46₹0.38₹0.42₹0.47₹0.59₹0.47₹0.58
Earnings per share in rupees, restated for later splits and bonuses.
FigureDec 2021Q3Filed 7 FebMar 2022Q4Filed 23 MayJun 2022Q1Filed 3 AugSep 2022Q2Filed 18 NovDec 2022Q3Filed 24 JanMar 2023Q4Filed 9 MayJun 2023Q1Filed 5 AugSep 2023Q2Filed 18 NovDec 2023Q3Filed 12 FebMar 2024Q4Filed 13 MayJun 2024Q1Filed 20 AugSep 2024Q2Filed 4 NovDec 2024Q3Filed 15 JanMar 2025Q4Filed 29 AprJun 2025Q1Filed 19 JulSep 2025Q2Filed 16 OctDec 2025Q3Filed 17 JanMar 2026Q4Filed 27 AprJun 2026Q1Filed 18 JulSep 2026Q2Filed 17 Oct
Gross bad loans, ₹ crore9,6368,5658,2447,1286,5005,6485,4645,1064,7594,6654,1453,8353,6763,3703,3393,0822,8712,8312,6372,636
Net bad loans, ₹ crore1,7731,7421,6921,5281,4691,4121,4891,4731,4441,3501,3501,2941,169937883854796919766751
Gross bad loans, % of loans14.44%12.17%11.34%9.67%8.36%6.97%6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%2.40%2.21%2.09%
Net bad loans, % of loans3.01%2.74%2.56%2.24%2.02%1.84%1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%0.79%0.65%0.61%
Bad loans already provided for81.60%79.66%79.48%78.56%77.40%75.01%72.75%71.15%69.66%71.05%67.42%66.26%68.20%72.19%73.57%72.29%72.28%67.53%70.96%71.52%
Core equity to risk-weighted loans12.34%12.77%13.08%12.65%12.79%14.32%14.46%14.53%13.75%14.74%14.80%14.55%14.04%15.59%16.02%15.32%15.28%15.92%16.56%15.49%
Tier 1 capital14.41%14.80%––––––––––––––––––
Additional tier 1 capital2.07%2.03%––––––––––––––––––
Held by the government97.07%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%93.85%93.85%93.85%93.85%93.85%93.85%93.85%
Per cent, and the bad loans themselves in ₹ crore. A non-performing loan is one the borrower has stopped paying, generally for 90 days. Additional tier 1 capital is left blank for the years to Jun 2022, Sep 2022, Dec 2022, Mar 2023, Jun 2023, Sep 2023, Dec 2023, Mar 2024, Jun 2024, Sep 2024, Dec 2024, Mar 2025, Jun 2025, Sep 2025, Dec 2025, Mar 2026, Jun 2026 and Sep 2026: the form writes 0 both for a bank with no additional tier 1 capital and for one that does not state it, and nothing in the filing says which.

Filed results, as an XML file each

16 earlier filings

Segment results by quarter

Standalone, ₹ crore, quarters to Sep 2026.Punjab & Sind Bank segment results by year

  • Retail Banking

    Revenue, ₹ crore
    Profit, ₹ crore
  • Corporate/Wholesale Banking

    Revenue, ₹ crore
    Profit, ₹ crore
  • Treasury

    Revenue, ₹ crore
    Profit, ₹ crore
  • Other Banking Operations

    Revenue, ₹ crore
    Profit, ₹ crore
₹ croreDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue of all businesses2,8532,8942,8463,0983,2693,8363,3793,3733,5493,4573,5463,747
Company revenue, as in its results2,8532,8942,8463,0983,2693,8363,3793,3733,5493,4573,5463,747
Revenue1,0311,1381,0461,1827622,2041,2661,4231,5981,6661,5671,791
Revenue growth26.3%−2.7%15.9%0.2%−26.1%93.7%21.0%20.3%109.7%−24.4%23.8%25.9%
Profit229222171173125684200213392347242348
Profit growth87.3%−30.0%56.4%0.2%−45.3%208.4%17.0%23.2%213.1%−49.3%21.1%63.4%
Margin22.2%19.5%16.3%14.6%16.4%31.0%15.8%15.0%24.5%20.8%15.5%19.4%
Assets47,03648,63450,53353,77248,64961,46659,24663,23067,85774,41276,95783,560
Liabilities43,04544,49047,5985,04545,40156,79754,73558,95763,33869,52271,72678,162
Revenue1,1911,0339479621,6316851,0781,0471,0499971,0441,070
Revenue6227148479468709361,028896894782928875
Revenue896861078913810
Profit is before tax and finance costs, the way companies report their segments.