| Margins | NIM at 2.53% for Q1FY27 vs 2.52% in Q1FY26. |
|---|---|
| Demand visibility | Strong growth in RAM book (32.66% YoY). |
| Management confidence | High, citing record profits and AA stable ratings. |
Growth
Net Profit grew 23.05% YoY to ₹331 Cr. Total Advances rose 19.35% YoY to ₹1,19,290 Cr.
Outlook
Focusing on RAM segment expansion, digital-led growth via five pillars, and increasing fee-based income through third-party collaborations.
Risks
CASA ratio marginally declined to 30.06% from 30.59% YoY. Credit cost increased to 0.44% in Q1FY27.
Last quarter's promises, checked
Delivered
- Guided RAM mix >60% → delivered 60.02% (= BEAT)
- Guided credit growth 16-18% → delivered 19.35% (= BEAT)
- Guided deposit growth 13-14% → delivered 12.16% (= PARTIAL)
Partly delivered
- Guided NIM 2.60-2.65% → delivered 2.53% (= PARTIAL)
Missed
- Guided cost-to-income <60% → delivered 60.21% (= 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 Q1 FY27 results with Net Profit growth of 23.05% YoY to ₹331 crore. Focus remains on rebalancing toward high-yielding RAM assets and digital transformation.