| 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
- ₹21.82
- 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
All →Punjab & Sind Bank Board Meeting Date
Punjab & Sind Bank scheduled a board meeting for September 29, 2026, to consider a proposal for raising foreign currency funds via debt issuance.
Punjab & Sind Bank Management Change
Punjab & Sind Bank has extended the tenure of Sh Ravi Mehra as Executive Director until his superannuation on December 31, 2026.
Punjab & Sind Bank Adverse Business Impact
Punjab & Sind Bank has received notice of an All India strike by bank unions scheduled from September 28 to 30, 2026. Potential operational impact is noted.
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.