Punjab & Sind Bank

Punjab & Sind Bank is down for a fifth straight session today. The stock is quoting at Rs 30.02, down 0.03% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.28% on the day, quoting at 25806.35. The Sensex is at 84242.43, down 0.28%.Punjab & Sind Bank has lost around 0.43% in last one month.Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has increased around 8.05% in last one month and is currently quoting at 8303.05, up 0.5% on the day. The volume in the stock stood at 12.72 lakh shares today, compared to the daily average of 36.54 lakh shares in last one month.The PE of the stock is 18.42 based on TTM earnings ending September 25.Powered by Capital Market - Live

Profit before tax (PBT) stood at Rs 357.39 crore in Q2 FY26, registering growth of 16.29% YoY. Net interest income (NII) grew 8.82% to Rs 950 crore in Q2 FY26 as compared with Rs 873 crore recorded in Q2 FY25. During the quarter, the bank's total business grew by 12.19% YoY to Rs 2,41,272 crore, where in total advances were up by 15.97% YoY to Rs 1,05,566 crore. Total deposits rose 9.42% to Rs 1,35,706 crore as against Rs 1,24,025 crore recorded in the corresponding quarter last year. CASA deposits stood at Rs 41,129 crore in Q2 FY26 as compared to Rs 37,744 crore posted in Q2 FY25, registering a growth of 8.97%. The CASA ratio was 30.31% as of 30 September 2025, as against 30.43% as of 30 September 2024. Gross non-performing assets (GNPA) reduced 19.63% to Rs 3,082 crore as of 30 September 2025, as against Rs 3,835 crore as of 30 September 2024. On the asset quality front, the gross NPA ratio reduced to 2.92% in Q2 FY26 as against 4.21% recorded in Q2 FY25. The net NPA ratio reduced to 0.83% in Q2 FY26 as against 1.46% in Q2 FY25. The Capital Adequacy Ratio (CRAR) improved by 30 bps to 17.19%, and the Tier I (including CCB) capital ratio improved to 15.32% in Q2 FY26 as against 14.55% registered in Q2 FY25. The bank's provision coverage ratio increased by 332 bps and stands at 91.88%. The bank's CD ratio improved by 439 bps to 77.79% in Q2 FY26 as against 73.40% in Q2 FY25. Punjab and Sind Bank is a leading public sector bank and a major bank in northern India. The bank provides customer service through innovative products and services for different customer segments. The bank has a total of 1,607 branches and 1,053 ATMs. The scrip shed 0.63% to end at Rs 30.03 on the BSE. Powered by Capital Market - Live

Net profit of Punjab & Sind Bank rose 22.93% to Rs 294.52 crore in the quarter ended September 2025 as against Rs 239.59 crore during the previous quarter ended September 2024. Total Operating Income rose 9.49% to Rs 2998.87 crore in the quarter ended September 2025 as against Rs 2738.95 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income2998.872738.95 9 OPM %67.7566.25 - PBDT357.39307.31 16 PBT357.39307.31 16 NP294.52239.59 23 Powered by Capital Market - Live

Punjab & Sind Bank will hold a meeting of the Board of Directors of the Company on 16 October 2025.Powered by Capital Market - Live

Punjab & Sind Bank fell for a fifth straight session today. The stock is quoting at Rs 28.81, down 1.61% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.54% on the day, quoting at 24755.4. The Sensex is at 80723.46, down 0.54%.Punjab & Sind Bank has gained around 4.16% in last one month.Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has increased around 7.58% in last one month and is currently quoting at 7393.35, down 1.36% on the day. The volume in the stock stood at 6.15 lakh shares today, compared to the daily average of 17.03 lakh shares in last one month.The PE of the stock is 18.78 based on TTM earnings ending June 25.Powered by Capital Market - Live

Punjab & Sind Bank has received affirmation in credit ratings from CRISIL as under: Infrastructure bonds of Rs 3000 crore - CRISIL AA/ Stable Tier II bonds series XIV of Rs 500 crore - CRISIL AA/ Stable Tier II bonds series XVI of Rs 500 crore - CRISIL AA/ Stable Powered by Capital Market - Live

Punjab & Sind Bank is up for a third straight session in a row. The stock is quoting at Rs 28.93, up 2.52% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.48% on the day, quoting at 24743.45. The Sensex is at 80701.78, up 0.42%. Punjab & Sind Bank has dropped around 0.14% in last one month. Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has dropped around 0.43% in last one month and is currently quoting at 6830.95, up 0.84% on the day. The volume in the stock stood at 11.31 lakh shares today, compared to the daily average of 9.67 lakh shares in last one month.The PE of the stock is 18.08 based on TTM earnings ending June 25.Powered by Capital Market - Live

CARE Ratings stated that the rating revision to the debt instruments of Punjab and Sind Bank (PSB) considers the improvement in profitability in FY25 and better asset quality aided by recoveries and lower incremental slippages. The rating continues to favourably factor in majority ownership of and demonstrated support from Government of India (GoI), comfortable capitalisation levels supported by multiple equity infusions and accretion of profits, and established presence in northern states of India. PSB is expected to sustain growth in business while maintaining adequate capitalisation and improving asset quality. The rating continues to be constrained by moderate, albeit improving, profitability with high interest expenses and operating costs and large share of non-earning assets in the form of zero-coupon recapitalisation bonds. Going forward, the bank is expected to have some pressure on margins due as advances are repriced quickly and deposits will be repriced with a lag. The rating also factors in PSB's relatively lower proportion of low-cost current account savings account (CASA) deposit ratio and relatively higher geographical concentration in the states of northern India with major presence in New Delhi and Punjab. CARE Ratings notes that despite improvement in potential weak assets (SMA 1 and 2) in FY25, net stressed assets of PSB remain high in relation to its net worth compared to peer public sector banks. The agency further said that any significant improvement in the size of the bank and profitability while maintaining comfortable capitalisation and good asset quality would be positive for the rating. However, factors that could lead to negative rating action include reduction in support or its stake in the bank falling below 51%; deterioration in asset quality parameters over with gross non-performing asset (GNPA) exceeding 5%; and significant decline in capitalisation cushion above the minimum regulatory requirement on a sustained basis. Punjab and Sind Bank is a mid-sized corporate-focused public sector bank based out of New Delhi that operates through a network of 1,607 branches as on 30 June 2025, with branch concentration in north India. It was nationalised in 1980. However, post many capital infusions over the subsequent years (FY18 onwards), the GoI shareholding had stood at 93.85% as on 30 June 2025. The scrip had declined 2.20% to end at Rs 28.86 on the BSE yesterday. Powered by Capital Market - Live

Punjab & Sind Bank is down for a fifth straight session today. The stock is quoting at Rs 31.12, down 1.02% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is up around 0.41% on the day, quoting at 25163.2. The Sensex is at 82549.91, up 0.44%.Punjab & Sind Bank has added around 3.98% in last one month.Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has increased around 0.87% in last one month and is currently quoting at 7006.35, down 0.1% on the day. The volume in the stock stood at 8.6 lakh shares today, compared to the daily average of 31.71 lakh shares in last one month.The PE of the stock is 20.17 based on TTM earnings ending June 25.Powered by Capital Market - Live

Profit before tax (PBT) stood at Rs 323.02 crore in Q1 FY26, registering growth of 51.49% YoY. Net interest income (NII) grew 5.88% to Rs 900 crore in Q1 FY26 as compared with Rs 850 crore recorded in Q1 FY25. During the quarter, the bank's total business grew by 10.94% YoY to Rs 2,31,132 crore, where in total advances were up by 13.92% YoY to Rs 99,950 crore. Total deposits rose 8.78% to Rs 1,31,182 crore as against Rs 1,20,593 crore recorded in the corresponding quarter last year. CASA deposits stood at Rs 40,133 crore in Q1 FY26 as compared to Rs 38,134 crore posted in Q1 FY25, registering a growth of 5.24%. The CASA ratio was 30.59% as of 30 June 2025, as against 31.62% as of 30 June 2024. Gross non-performing assets (GNPA) reduced 19.45% to Rs 3,339 crore as of 30 June 2025, as against Rs 4,145 crore as of 30 June 2024. On the asset quality front, the gross NPA ratio reduced to 3.34% in Q1 FY26 as against 4.72% recorded in Q1 FY25. The net NPA ratio reduced to 0.91% in Q1 FY26 as against 1.59% in Q1 FY25. The Capital Adequacy Ratio (CRAR) improved by 60 bps to 17.90%, and the Tier I (including CCB) capital ratio improved to 16.02% in Q1 FY26 as against 14.80% registered in Q1 FY25. The bank's provision coverage ratio increased by 369 bps and stands at 91.77%. The bank's CD ratio improved by 343 bps to 76.19% in Q1 FY26 as against 72.76% in Q1 FY25. Punjab and Sind Bank is a leading public sector bank and a major bank in northern India. The bank provides customer service through innovative products and services for different customer segments. The bank has a total of 1,607 branches and 1,053 ATMs. The scrip shed 0.22% to end at Rs 32.20 on the BSE. Powered by Capital Market - Live