ALFA Finder| Margins | NIM steady at 2.53% |
|---|---|
| Order book | Gross Advances at ₹1,19,290 Cr |
| Demand visibility | Strong credit demand in Retail and MSME |
| Management confidence | High growth in RAM segments |
Growth
Net Interest Income grew 15.33% YoY to ₹1038 Cr. RAM advances grew 32.66%, specifically Retail at 36.44%.
Outlook
Bank maintains strong capital adequacy (CRAR 17.61%). Management targets further improvement in collection efficiency, currently at 95%.
Risks
Non-interest income fell 29.21% YoY. Credit cost increased by 9 bps to 0.11%.
Last quarter's promises, checked
Delivered
- Guided Advances growth 15%-16% → delivered 18.29% (= BEAT)
- Guided RAM growth to reach 59% → delivered 59% (= BEAT)
- Guided Net Profit growth → delivered 30.12% YoY (= BEAT)
Partly delivered
- Guided NIM 2.65%-2.70% → delivered 2.53% in Q1 FY27 (= PARTIAL)
Missed
- Guided Net NPA reduction → fell short of internal target (= MISS)
- Guided PCR improvement → fell short of internal target (= MISS)
Earnings Call filed with BSE, 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.