Punjab National Bank

Punjab National Bank announced that Marginal Cost of Funds Based Lending Rates (MCLR) with effect from 01 February 2026 remain unchanged as under: Overnight - 7.95% One month - 8.20% Three month - 8.40% Six month - 8.60% One year - 8.75% Three years - 9.05% Further, existing Repo linked Lending Rate (RLLR) i.e. 8.10 % (including BSP of 0.10%) and Base Rate i.e. 9.50% remain unchanged.Powered by Capital Market - Live

Net interest income fell by 4.5% to Rs 10,533 crore in the December'25 quarter from Rs 11,032 crore recorded in the December'24 quarter. Net interest margin (NIM) for Q3 FY26 was 2.52% as against 2.93% for Q3 FY25. Operating expenses for the period under review added up to Rs 8,074 crore, up 3.2% YoY. Accordingly, operating profit for Q3 FY26 was Rs 7481 crore, higher by 13% as compared with Rs 6621 crore posted in Q3 FY25. The bank has made a provision of Rs 1,150 crore in Q3 FY26. It had written back provision amounting to Rs 285 crore in Q3 FY25. Profit before tax in Q3 FY26 stood at Rs 6,331 crore, down by 8.3% from Rs 6,906 crore recorded in Q3 FY25. The gross NPA ratio improved by 90 basis points YoY to 3.19% as on 31 December 2025 from 4.09% as on 31 December 2024. The net NPA ratio improved by 9 basis points YoY to 0.32% as on 31 December 2025 from 0.41% as on 31 December 2024. The provision coverage ratio improved by 22 basis points YoY 96.99% as on 31 December 2025. The global business of the bank grew by 9.5% to Rs 28,91,528 crore as on 31 December 2025 from Rs 26,39,991 crore as on 31 December 2024. Global deposits registered a growth of 8.5% YoY basis to Rs 16.60 lakh crore while global advances increased by 10.9% on YoY basis to Rs 12.31 lakh croreas on 31 December 2025. CRAR improved to 16.77% as on 31 December 2025 from 15.41% as on 31 December 2024, reflecting an increase of 136 basis points. Punjab National Bank is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, and others. As on 31 December 2025, the bank has 10,261 domestic branches and 2 international branches. Out of total branches, the bank has 63.3% branches in rural & semi-urban areas. The scrip fell 1.99% to currently trade at Rs 125.50 on the BSE. Powered by Capital Market - Live

Net profit of Punjab National Bank rose 15.72% to Rs 5555.89 crore in the quarter ended December 2025 as against Rs 4801.00 crore during the previous quarter ended December 2024. Total Operating Income rose 3.12% to Rs 32889.23 crore in the quarter ended December 2025 as against Rs 31894.80 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income32889.2331894.80 3 OPM %71.7376.50 - PBDT6439.887055.04 -9 PBT6439.887055.04 -9 NP5555.894801.00 16 Powered by Capital Market - Live

Punjab National Bank is up for a fifth straight session today. The stock is quoting at Rs 131.9, up 2.5% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.37% on the day, quoting at 25759.55. The Sensex is at 83749.1, up 0.44%. Punjab National Bank has gained around 10.53% in last one month. Meanwhile, Nifty Bank index of which Punjab National Bank is a constituent, has gained around 1.9% in last one month and is currently quoting at 59580.15, up 0.78% on the day. The volume in the stock stood at 242.5 lakh shares today, compared to the daily average of 150.93 lakh shares in last one month. The benchmark January futures contract for the stock is quoting at Rs 132.07, up 2.32% on the day. Punjab National Bank is up 31.73% in last one year as compared to a 11.02% jump in NIFTY and a 23.71% jump in the Nifty Bank index.The PE of the stock is 9.45 based on TTM earnings ending September 25.Powered by Capital Market - Live

Punjab National Bank will hold a meeting of the Board of Directors of the Company on 19 January 2026.Powered by Capital Market - Live

The bank's domestic advances stood at Rs 11,67,801 crore on 31 December 2025, up 10.15% YoY and up 4.47% QoQ. The bank's global advances increased 10.98% YoY to Rs 12,32,245 crore as of 31 December 2025 from Rs 11,10,292 crore a year earlier and rose 5.36% QoQ from Rs 11,69,592 crore as of 30 September 2025. As of 31 December 2025, the bank's global deposits stood at Rs 16,60,385 crore, registering a growth of 8.54% YoY and 2.68% QoQ. The bank's global business stood at Rs 28,92,630 crore as of 31 December 2025, recording a growth of 9.57% YoY and 3.80% QoQ. The global credit-deposit ratio advanced to 74.21% as of 31 December 2025, compared with 72.58% recorded a year earlier on 31 December 2024. Punjab National Bank is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, and others. As of 30th September 2025, the bank has 10,228 domestic branches and 2 international branches. Out of the total number of branches, the bank has 63.3% of branches in rural & semi-urban areas. The bank's standalone net profit climbed 13.95% to Rs 4,903.73 crore on a 5.13% jump in total income to Rs 36,213.62 crore in Q2 FY26 over Q2 FY25. Powered by Capital Market - Live

The bank's domestic advances stood at Rs 11,67,801 crore on 31 December 2025, up 10.15% YoY and up 4.47% QoQ. The bank's global advances increased 10.98% YoY to Rs 12,32,245 crore as of 31 December 2025 from Rs 11,10,292 crore a year earlier and rose 5.36% QoQ from Rs 11,69,592 crore as of 30 September 2025. As of 31 December 2025, the bank's global deposits stood at Rs 16,60,385 crore, registering a growth of 8.54% YoY and 2.68% QoQ. The bank's global business stood at Rs 28,92,630 crore as of 31 December 2025, recording a growth of 9.57% YoY and 3.80% QoQ. The global credit-deposit ratio advanced to 74.21% as of 31 December 2025, compared with 72.58% recorded a year earlier on 31 December 2024. Punjab National Bank is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, and others. As of 30th September 2025, the bank has 10,228 domestic branches and 2 international branches. Out of the total number of branches, the bank has 63.3% of branches in rural & semi-urban areas. The bank's standalone net profit climbed 13.95% to Rs 4,903.73 crore on a 5.13% jump in total income to Rs 36,213.62 crore in Q2 FY26 over Q2 FY25. Shares of Punjab National Bank rallied 1.17% to close at Rs 125.40 on the BSE on 2 January 2026.Powered by Capital Market - Live

Punjab National Bank is up for a fifth straight session today. The stock is quoting at Rs 125.06, up 0.9% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.6% on the day, quoting at 26303.05. The Sensex is at 85667.85, up 0.56%. Punjab National Bank has gained around 4.39% in last one month. Meanwhile, Nifty Bank index of which Punjab National Bank is a constituent, has gained around 1.28% in last one month and is currently quoting at 59711.55, up 0.66% on the day. The volume in the stock stood at 66.61 lakh shares today, compared to the daily average of 159.55 lakh shares in last one month. The benchmark January futures contract for the stock is quoting at Rs 125.89, up 0.99% on the day. Punjab National Bank is up 17.54% in last one year as compared to a 9.57% jump in NIFTY and a 17.88% jump in the Nifty Bank index.The PE of the stock is 9.1 based on TTM earnings ending September 25.Powered by Capital Market - Live

Punjab National Bank rose for a third straight session today. The stock is quoting at Rs 124.3, up 1.57% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.76% on the day, quoting at 26136.25. The Sensex is at 85259.33, up 0.69%. Punjab National Bank has dropped around 0.8% in last one month. Meanwhile, Nifty Bank index of which Punjab National Bank is a constituent, has dropped around 0.01% in last one month and is currently quoting at 59171.25, up 0.85% on the day. The volume in the stock stood at 122.62 lakh shares today, compared to the daily average of 167.82 lakh shares in last one month. The benchmark January futures contract for the stock is quoting at Rs 125.16, up 1.82% on the day. Punjab National Bank is up 21.08% in last one year as compared to a 10.08% gain in NIFTY and a 16.87% gain in the Nifty Bank index.The PE of the stock is 8.99 based on TTM earnings ending September 25.Powered by Capital Market - Live

Punjab National Bank fell 1.41% today to trade at Rs 118.65. The BSE BANKEX index is down 0.18% to quote at 65873.63. The index is down 1.6 % over last one month. Among the other constituents of the index, IndusInd Bank Ltd decreased 0.39% and Axis Bank Ltd lost 0.31% on the day. The BSE BANKEX index went up 13.15 % over last one year compared to the 8.01% surge in benchmark SENSEX. Punjab National Bank has lost 4.7% over last one month compared to 1.6% fall in BSE BANKEX index and 0.82% drop in the SENSEX. On the BSE, 1.12 lakh shares were traded in the counter so far compared with average daily volumes of 9.51 lakh shares in the past one month. The stock hit a record high of Rs 127.8 on 02 Dec 2025. The stock hit a 52-week low of Rs 85.5 on 04 Mar 2025.Powered by Capital Market - Live