ALFA Finder| 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
- ₹21.60
- 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.