Punjab National Bank

Punjab National Bank

121.03
+0.94
(0.78%)
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Key Fundamentals
Add Ratio
Market Cap
1,39,099.09 Cr
EPS
16.42
PE Ratio
8.07
Dividend Yield
2.41 %
Industry
Banks
52 Week High
122.35
52 Week Low
85.46
PB Ratio
1.03
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from17 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+47.06 %
+47.06 %
Hold
Hold+23.53 %
+23.53 %
Sell
Sell+29.41 %
+29.41 %
Forecast For
Actual

Company News

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positive
Punjab National Bank reported net profit of INR 4,904 crores for Q2 FY26, up 14% from INR 4,303 crores in the same period last year. Operating profit increased to INR 7,227 crores from INR 6,853 crores year-on-year. The bank's global business stood at INR 27.87 trillion with 10.6% growth, while global deposits reached INR 16.17 trillion (10.9% growth) and advances grew to INR 11.7 trillion (10.1% growth). Asset quality improved significantly with gross NPA reducing to 3.45% from 4.48% in September 2024, and net NPA declining to 0.36% from 0.46%. The bank maintains a provision coverage ratio of 96.91%. Return on assets improved to 1.05% from 1.02% last year, while return on equity stands at 17.95%. The bank has sanctioned credit lines worth INR 1.78 lakh crores pending disbursement. Management expects NIM improvement of 5 basis points in Q3 and 10 basis points in Q4 due to deposit repricing benefits. The bank targets credit growth of 11-12% for the full year and expects to achieve gross NPA below 3% by year-end.
neutral
A Belgian court has ruled that fugitive diamantaire Mehul Choksi faces no risk of unfair trial or ill-treatment if extradited to India for his role in the Rs 13,000 crore Punjab National Bank scam. The Court of Appeals in Antwerp upheld arrest warrants issued by a Mumbai special court, allowing Choksi's extradition. Choksi and his nephew Nirav Modi are accused of swindling Rs 13,000 crore through fraudulent letters of undertaking in collusion with bank officials at PNB's Brady House branch. A specially prepared cell at Mumbai's Arthur Road Jail has been readied for Choksi, featuring amenities including TV, newspapers, natural light, and videoconferencing facilities. India provided assurances to Belgian authorities regarding Choksi's safety, prison arrangements, and human rights. Choksi has been imprisoned in Antwerp since April, with multiple bail petitions rejected. He had fled to Antigua and Barbuda before the scam was detected and obtained citizenship there, though he remains an Indian citizen.
neutral
Punjab National Bank divested its stake in Canara HSBC Life Insurance Company Limited from 23% to 13% through an Offer for Sale in Initial Public Offer. The bank sold 9.5 crore shares at Rs 106 per share, generating cash consideration of Rs 1,007 crores. The sale agreement was entered on October 17, 2025. Canara HSBC Life Insurance reported a net worth of Rs 1,516.90 crores, income of Rs 10,725.90 crores, expenses of Rs 10,597.80 crores, and profit after tax of Rs 117 crores for the financial year ending March 31, 2025. The transaction does not constitute a related party transaction and the buyers are public investors.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
936.20
#1 8,64,170.42
10.45
#1 6,63,343.30
11.57
#1 79,017
10.09
74.20
273.95
1,41,669.47
7.19
1,52,884.10
7.83
20,459
-26.17
61.93
121.03
#3 1,39,099.09
#6 8.07
#4 1,40,456.80
#4 14.76
#3 18,553
#7 8.05
63.19
134.85
1,22,317.73
6.89
1,52,657.90
9.70
17,336
15.84
68.19
864.75
1,16,478.71
10.21
72,050.90
12.17
10,995
10.99
80.43
147.85
1,12,862.86
#1 5.88
1,29,979.30
9.98
17,921
-6.84
54.76
40.17
77,353.72
17.48
33,750.30
13.52
3,396
#1 61.47
51.94
140.22
63,837.51
6.55
80,412.40
19.47
9,552
6.36
69.53
58.70
45,149.43
7.39
28,402.60
#1 20.90
5,542
25.20
53.29
32.63
40,916.58
16.47
29,473.50
17.33
2,445
23.76
60.14

Automatic Screeners on ScanX

Growth Rate
Revenue Growth
14.76 %
Net Income Growth
102.60 %
Cash Flow Change
179.01 %
ROE
68.12 %
ROCE
11.22 %
EBITDA Margin (Avg.)
12.18 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Revenue
15,228
14,219
15,105
14,963
15,427
15,844
16,211
16,824
24,728
23,685
23,383
21,634
23,116
21,597
22,275
21,351
21,528
23,292
26,134
28,132
29,033
29,857
30,527
32,977
32,760
35,112
35,286
37,299
37,999
36,684
Expenses
8,306
12,701
5,870
13,348
4,847
6,100
7,228
8,307
9,949
10,001
10,171
8,720
9,776
8,922
8,839
9,384
9,523
10,493
11,578
10,813
10,990
10,259
9,449
9,831
8,473
8,593
7,494
9,142
9,197
8,299
EBITDA
-1,608
-6,957
361
-7,160
1,493
561
-384
-843
829
939
1,076
939
1,497
889
1,739
470
562
626
1,043
2,630
1,979
2,778
3,634
4,940
5,751
6,729
7,055
6,518
6,973
6,527
Operating Profit %
38 %
-1 %
56 %
-2 %
64 %
55 %
48 %
42 %
52 %
53 %
51 %
54 %
49 %
51 %
55 %
51 %
50 %
49 %
49 %
56 %
57 %
62 %
66 %
66 %
71 %
72 %
77 %
72 %
72 %
74 %
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
8,531
8,475
8,875
8,775
9,087
9,183
9,367
9,360
13,949
12,745
12,135
11,975
11,843
11,786
11,697
11,497
11,443
12,172
13,513
14,690
16,064
16,820
17,444
18,206
18,536
19,790
20,738
21,640
21,828
21,858
Profit Before Tax
-1,608
-6,957
361
-7,160
1,493
561
-384
-843
829
939
1,076
939
1,497
889
1,739
470
562
626
1,043
2,630
1,979
2,778
3,634
4,940
5,751
6,729
7,055
6,518
6,973
6,527
Tax
-746
-2,425
-91
-2,554
408
-10
-7
-49
239
331
296
225
313
-238
490
122
291
131
328
753
616
788
1,193
1,577
1,760
1,990
2,244
1,507
4,806
1,407
Net Profit
-863
-4,533
452
-4,606
1,085
572
-377
-795
591
608
781
715
1,184
1,127
1,249
348
271
496
715
1,876
1,363
1,990
2,441
3,363
3,991
4,739
4,811
5,011
2,167
5,121
EPS in ₹
-3.12
-16.18
1.25
-12.02
2.33
1.24
-0.65
-1.22
0.57
0.61
0.78
0.67
1.09
1.00
1.14
0.31
0.26
0.44
0.64
1.69
1.22
1.81
2.21
3.04
3.61
4.27
4.18
4.34
1.84
4.46

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
6,36,011
7,12,793
7,33,311
7,77,528
7,89,266
8,51,457
12,79,725
13,39,301
14,93,649
15,98,636
18,57,544
Fixed Assets
3,656
5,308
6,298
6,371
6,248
7,262
11,049
10,696
12,084
12,348
13,083
Current Assets
69,500
91,663
1,05,135
1,14,700
92,248
93,496
1,57,940
1,80,550
2,03,219
1,75,149
2,12,199
Capital Work in Progress
0
0
0
0
0
0
0
0
0
0
0
Investments
1,56,762
1,65,127
1,91,527
2,04,419
2,09,723
2,53,783
4,04,369
3,88,586
4,16,914
4,46,421
5,24,840
Other Assets
4,75,594
5,42,358
5,35,486
5,66,738
5,73,295
5,90,413
8,64,307
9,40,019
10,64,651
11,39,867
13,19,620
Total Liabilities
6,36,011
7,12,793
7,33,311
7,77,528
7,89,266
8,51,457
12,79,725
13,39,301
14,93,649
15,98,636
18,57,544
Current Liabilities
18,973
18,204
16,379
21,934
15,046
14,453
20,689
27,640
29,813
35,878
40,951
Non Current Liabilities
6,17,039
6,94,589
7,16,932
7,55,595
7,74,220
8,37,004
12,59,036
13,11,662
14,63,836
15,62,758
18,16,593
Total Equity
42,588
42,533
43,946
41,826
45,518
64,237
93,021
98,055
1,03,340
1,10,948
1,33,766
Reserve & Surplus
41,669
41,412
42,739
40,965
44,277
62,529
90,439
95,380
1,00,678
1,08,185
1,30,839
Share Capital
371
393
426
552
921
1,348
2,096
2,202
2,202
2,202
2,299

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
11,393
18,790
12,330
6,109
-20,192
460
35,579
20,859
23,135
-25,928
19,359
Investing Activities
-872
-1,352
159
392
-629
-338
-787
-1,204
-733
-1,506
-1,578
Operating Activities
4,814
14,167
21,938
-1,742
-33,532
-12,793
30,950
20,032
22,592
-27,939
22,075
Financing Activities
7,451
5,975
-9,767
7,460
13,969
13,591
5,415
2,032
1,275
3,518
-1,138

Share Holding

% Holding
Mar 2021
May 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
76.87 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
73.15 %
70.08 %
70.08 %
70.08 %
70.08 %
70.08 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
4.82 %
5.51 %
8.32 %
5.70 %
5.70 %
5.52 %
5.67 %
DIIs
9.06 %
9.92 %
11.25 %
11.19 %
11.61 %
11.60 %
11.45 %
12.28 %
12.98 %
13.53 %
13.45 %
13.80 %
13.73 %
12.36 %
10.77 %
11.95 %
14.31 %
14.67 %
15.07 %
15.54 %
Government
0.01 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
9.50 %
9.68 %
11.20 %
11.79 %
12.27 %
12.00 %
12.67 %
11.44 %
10.39 %
10.17 %
10.05 %
9.06 %
8.76 %
8.56 %
9.10 %
8.47 %
8.71 %
8.55 %
8.33 %
7.71 %
Others
4.56 %
7.25 %
4.40 %
3.88 %
2.98 %
3.25 %
2.73 %
3.13 %
3.48 %
3.15 %
3.35 %
3.99 %
4.36 %
1.11 %
1.47 %
1.18 %
1.19 %
0.99 %
1.01 %
1.00 %
No of Share Holders
0
13,81,300
14,25,500
16,18,140
16,90,480
18,77,250
19,50,660
20,40,140
20,10,940
20,67,200
20,30,100
20,83,550
21,63,620
23,53,620
25,29,280
25,40,940
26,40,520
26,53,660
25,74,690
24,55,480

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.00 0.00 0.00 0.00 0.64 0.65 1.5 2.9
Dividend Yield (%) 0.00 0.00 0.00 0.00 0.00 0.00 1.38 0.52 1.56 2.41

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
23 Jun 2022 DIVIDEND Dividend
0.64 /share
22 Jun 2022 33.30 29.30
23 Jun 2023 DIVIDEND Dividend
0.65 /share
23 Jun 2023 48.45 50.99
30 Jun 2023 ANNUAL GENERAL MEETING Annual General Meeting
NA
30 Jun 2023 48.45 50.44
05 Mar 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
05 Mar 2024 104.61 126.05
22 Jun 2024 DIVIDEND Dividend
1.50 /share
21 Jun 2024 125.00 125.80
29 Jun 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Jun 2024 125.00 123.25
07 Sept 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
07 Sept 2024 125.51 109.95
28 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
28 Oct 2024 94.95 95.80
31 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
31 Jan 2025 97.55 96.55
07 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
07 May 2025 99.75 94.55
20 Jun 2025 DIVIDEND Dividend
2.90 /share
20 Jun 2025 94.55 102.95
27 Jun 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
27 Jun 2025 94.55 106.25
30 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
30 Jul 2025 110.67 109.30
04 Sept 2025 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
04 Sept 2025 105.40 104.30
18 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
18 Oct 2025 117.24 113.75

Announcements

Announcement under Regulation 30 (LODR)-Earnings Call Transcript3 days ago
Sale Of Stake In The Associate Of The Bank8 days ago
Related Party Transaction For Half Year Ended 30.09.2025Oct 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 18, 2025
Statement Of Deviation/Variation For The Quarter Ended 30.09.2025Oct 18, 2025
Integrated Filing- Financial Results Of The Bank For The Quarter/Half-Year Ended 30.09.2025Oct 18, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 18, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationOct 18, 2025
Board Meeting Outcome for Outcome Of Board Meeting Under Regulation 30 And 51 Of SEBI (LODR) Regulations 2015Oct 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 13, 2025
Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 And 50 Of SEBI LODR Reguilations 2015Oct 13, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Provisional Business Figures As On 30.09.2025Oct 03, 2025
Announcement under Regulation 30 (LODR)-CessationSep 30, 2025
Change In Interest RatesSep 30, 2025
Closure of Trading WindowSep 26, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 24, 2025
Investor/ Analyst Meet- UpdateSep 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 19, 2025
Disclosure under Regulation 30A of LODRSep 17, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 16, 2025
Disclosure under Regulation 30A of LODRSep 16, 2025
Certificate Of Compliance With Cybersecurity And Cyber Resilience Framework For SEBI Regulated EntitiesSep 11, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 01, 2025
Change In Interest RatesAug 30, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 30, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Election Of Shareholder Director Of The BankAug 28, 2025
Extraordinary General Meeting Of The Bank On 04.09.2025 For Election Of One Shareholder DirectorAug 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 14, 2025
Extraordinary General Meeting Of The BankAug 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 05, 2025
Extraordinary General Meeting Of The BankJul 31, 2025
Announcement under Regulation 30 (LODR)-Interest Rates UpdatesJul 31, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 30, 2025
Statement Of Deviation/ Variation For The Quarter Ended 30.06.2025Jul 30, 2025
Integrated Filing- Financial Results For The Quarter Ended 30.06.2025Jul 30, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 30, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 30, 2025
Board Meeting Outcome for Outcome Of Board Meeting Under Regulation 30 And 51 Of SEBI (LODR) Regulations 2015Jul 30, 2025
Profile Of Shri D. Anandan Director Of The BankJul 25, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 25, 2025
Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 & 50 Of SEBI(LODR) Regulations 2015Jul 25, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJul 24, 2025
Intimation Under Regulation 30 Of SEBI LODR Regulations 2015Jul 08, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Kotak Arbitrage Fund Direct-Growth
0.36%
10448000
0.19%
0.16%
Invesco India Arbitrage Fund Direct-Growth
0.56%
8088000
0.35%
0.40%
Parag Parikh Flexi Cap Fund Direct-Growth
0.05%
4360000
0.04%
0.03%
SBI Arbitrage Opportunities Fund Direct-Growth
0.64%
2856000
0.17%
0.11%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.19%
1944000
0.11%
0.18%
UTI Arbitrage Fund Direct-Growth
1.09%
1392000
0.27%
0.23%
Edelweiss Arbitrage Fund Direct-Growth
0.43%
1304000
0.13%
0.15%
Bandhan Arbitrage Fund Direct-Growth
1.13%
1144000
0.23%
0.26%
Bajaj Finserv Multi Cap Fund Direct-Growth
1.03%
850000
1.03%
1.03%
Nippon India Arbitrage Fund Direct-Growth
0.11%
832000
0.07%
0.08%
HSBC Arbitrage Fund Direct-Growth
1.27%
704000
0.40%
0.28%
Taurus Flexi Cap Fund Direct - Growth
2.00%
624443
2.00%
2.00%
ICICI Prudential Equity Arbitrage Direct-Growth
0.49%
568000
0.07%
0.08%
ICICI Prudential Nifty Next 50 Index Direct-Growth
1.72%
513906
0.19%
0.15%
Bandhan Equity Savings Fund Direct-Growth
1.40%
440000
1.40%
1.40%
Mahindra Manulife Business Cycle Fund Direct - Growth
1.93%
400000
0.51%
0.47%
UTI Nifty Next 50 Index Fund Direct - Growth
1.72%
395562
0.19%
0.15%
Baroda BNP Paribas Large Cap Fund Direct-Growth
1.14%
360000
0.25%
0.64%
Baroda BNP Paribas ELSS Tax Saver Fund Direct-Growth
1.37%
300000
0.49%
1.37%
Tata Arbitrage Fund Direct - Growth
0.56%
296000
0.06%
0.04%
ITI Banking and Financial Services Fund Direct - Growth
1.02%
280000
1.02%
1.02%
Bandhan Balanced Advantage Fund Direct-Growth
0.42%
195428
0.13%
0.17%
Unifi Dynamic Asset Allocation Fund Direct - Growth
0.60%
176000
0.25%
0.60%
DSP Arbitrage Fund Direct - Growth
0.95%
168000
0.13%
0.10%
DSP Nifty Next 50 Index Fund Direct - Growth
1.72%
146828
0.19%
0.16%

Technical Indicators

RSI(14)
Neutral
63.19
ATR(14)
Less Volatile
2.48
STOCH(9,6)
Neutral
79.80
STOCH RSI(14)
Overbought
83.27
MACD(12,26)
Bullish
0.23
ADX(14)
Weak Trend
23.24
UO(9)
Bearish
45.46
ROC(12)
Uptrend But Slowing Down
2.68
WillR(14)
Neutral
-23.54

About Punjab National Bank

Punjab National Bank (PNB) is a state-owned commercial bank headquartered in New Delhi, India. It offers a wide range of banking products and services, including retail and corporate banking, international banking, and capital market services. PNB has an extensive network of over 10,000 branches and 12,000 ATMs across India. The bank provides personal and corporate loans, deposit accounts, forex services, cash management, and various digital banking solutions. PNB also offers insurance products, mutual funds, and merchant banking services. As of March 31, 2024, PNB's global business stood at Rs. 23,53,038 Crore, with deposits of Rs. 13,69,713 Crore and CASA deposits of Rs. 5,52,499 Crore. The bank has overseas presence through branches and representative offices in several countries.
Listing Date
29 Mar, 2005(20 Years, 2 days)
Chairperson NameK G Ananthakrishnan