| 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
- ₹21.82
- Market cap
- ₹15,483 Cr
- Revenue (annual)
- ₹11,982 Cr
- Net profit (annual)
- ₹1,322 Cr
- P/E (TTM)
- 11.2×Sector 22.0×
- Promoter holding
- 93.85%+0.00% QoQ
- FII holding
- 0.14%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Punjab & Sind Bank
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Punjab & Sind Bank Credit Rating
CRISIL Ratings reaffirmed the 'CRISIL AA/Stable' rating for Punjab & Sind Bank's Infrastructure and Tier II Bonds. This is a standard credit rating update.
Punjab & Sind Bank Adverse Business Impact
Punjab & Sind Bank has received a notice of an All India Strike on September 11, 2026, which may affect operations at its branches and offices.
Punjab & Sind Bank Investor Presentation: Key Takeaways
Punjab & Sind Bank reported strong Q1FY27 results with Net Profit increasing 23% YoY to ₹331 Cr. Strategy focuses on digital transformation, increasing RAM share, and maintaining robust asset quality.