ALFA Finder| Margins | NIM expected to improve to 2.60-2.65% from 2.53%. |
|---|---|
| Demand visibility | Strong pipeline with ₹15,000 crore undisbursed corporate sanctions. |
| Management confidence | High on credit growth and asset quality targets. |
Growth
Total business grew 15.27% YoY; Credit grew 19.35% led by Retail (36%) and MSME (32%).
Outlook
Guidance: Credit growth 18-20%, NIM 2.60-2.65%, ROA 0.85-0.90%, and RAM segment reaching 65% of portfolio.
Risks
Treasury income fluctuations and global turmoil affecting yields; MSME slippage run rate monitored for stress.
Last quarter's promises, checked
Delivered
- Advances growth 15%-16% → delivered 18.29% (= BEAT)
- Total business growth → delivered 14.94% (= BEAT)
- RAM segment growth → delivered 59% (= BEAT)
Missed
- Net NPA target → delivered 0.79% (= MISS)
- PCR target → delivered 90.91% (= MISS)
Investor Presentation 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.