ALFA Finder| Revenue growth | Interest income grew 4.35% YoY in FY26. |
|---|---|
| Margins | NIM decreased to 2.55% in FY26 from 2.85% in FY25. |
| Demand visibility | Strong growth in MSME (29.7%) and Retail (24.6%) credit. |
| Management confidence | High; highlighted structural transformation and capital raising success. |
Growth
Total Business grew 14.94% YoY to ₹2,63,652 Cr; Gross Advances up 18.29% to ₹1,17,823 Cr.
Outlook
Focus on RAM segment (now 58.8% of advances), digital onboarding, and improving credit rating (upgraded to AA Stable).
Risks
Q4 FY26 Net Interest Income and Operating Profit saw YoY declines of 13.10% and 33.58% respectively.
Earnings Call filed with NSE, NSE: PSB. Summary written with AI assistance from the document.
Punjab & Sind Bank: key numbers
- Share price
- ₹21.60
- Market cap
- ₹15,326 Cr
- Revenue (annual)
- ₹11,982 Cr
- Net profit (annual)
- ₹1,322 Cr
- P/E (TTM)
- 10.2×Sector 20.8×
- Promoter holding
- 93.85%+0.00% QoQ
- FII holding
- 0.12%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Punjab & Sind Bank
All →Punjab & Sind Bank Management Change
Punjab & Sind Bank GM Thakur superannuated on 30 Sep 2026. Vinay Khandelwal appointed as GM from 1 Oct 2026.
Punjab & Sind Bank Debt & Borrowing: ₹562.5 Cr
Punjab & Sind Bank confirmed payment of redemption proceeds and interest on its Tier II bonds, totaling ₹562.49 Crore. This update fulfills regulatory compliance requirements.
- Value
- ₹562.5 Cr
Punjab & Sind Bank Investor Presentation: Key Takeaways
Punjab & Sind Bank reported a strong Q2 FY27 with Net Profit rising 39.66% YoY to ₹412 Cr. Strategy focuses on RAM segment growth (61.37% of total advances) and significant asset quality improvement.
Punjab & Sind Bank Results Update
Punjab & Sind Bank reported financial results for the quarter ending September 30, 2026, with year-on-year Net Profit growing 39.66% to ₹412 Crore.
Punjab & Sind Bank Q2 FY27 Results: Net Profit ₹412 Cr, Up 39.9% YoY
Punjab & Sind Bank reported revenue from operations of ₹3,394 Cr (+13.2% YoY) and net profit of ₹412 Cr (+39.9% YoY) for Q2 FY27.
- Key figure
- Net profit ₹412 Cr · +39.9% YoY
Punjab & Sind Bank Other Announcement
Punjab & Sind Bank submitted its quarterly shareholding pattern for the period ended September 30, 2026, as required by SEBI regulations.