| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 9,017 | 9,223 | 8,751 | 8,530 | 9,387 | 8,827 | 7,878 | 8,055 | 8,933 | 10,916 | 13,049 | 13,858 |
| Expenses | 1,914 | 2,110 | 2,445 | 3,347 | 3,982 | 4,423 | 6,468 | 2,287 | 2,145 | 2,976 | 3,869 | 4,272 |
| EBITDA | 194 | 544 | 293 | -531 | -874 | -1,468 | -3,302 | 1,324 | 1,768 | 1,087 | 1,483 | 1,497 |
| Operating Profit % | 78 % | 76 % | 70 % | 58 % | 53 % | 44 % | 7 % | 68 % | 73 % | 69 % | 66 % | 65 % |
| Depreciation | 46 | 46 | 43 | 64 | -15 | 54 | 102 | 137 | 148 | 150 | 145 | 0 |
| Interest | 6,909 | 6,569 | 6,014 | 5,714 | 6,279 | 5,872 | 4,712 | 4,445 | 5,019 | 6,853 | 7,698 | 8,088 |
| Profit Before Tax | 148 | 498 | 251 | -595 | -859 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,497 |
| Tax | 27 | 162 | 49 | 149 | -315 | -532 | -671 | 148 | 307 | 342 | 322 | 339 |
| Net Profit | 121 | 336 | 201 | -744 | -544 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,159 |
| EPS in ₹ | 3.59 | 8.39 | 5.02 | -18.49 | -9.62 | -15.76 | -35.71 | 2.56 | 1.94 | 0.88 | 1.50 | 1.70 |
Punjab & Sind Bank
Punjab & Sind Bank
31.24
+0.16
(0.51%)
Key Fundamentals
Market Cap
22,166.61 Cr
EPS
1.50
PE Ratio
19.04
Dividend Yield
0.23 %
Industry
Banks 52 Week High
56.30
52 Week Low
25.22
PB Ratio
1.75
Debt to Equity
0.00
Sector
Public Sector Bank Actual
Company News
View All News
Punjab & Sind Bank reported net profit of Rs 295 crore for Q2, marking a 22.92% increase. Total business grew 12.19% year-on-year to Rs 2,41,272 crore with deposits rising 9.42% to Rs 1,35,706 crore. Advances increased 15.97% year-on-year to Rs 1,05,566 crore. Asset quality improved with Gross NPA at 2.92% and Net NPA at 0.83%. The board approved capital raising of Rs 3,000 crore equity and Rs 2,000 crore bonds over one year. The bank expanded digital lending capabilities, with 60% of vehicle loans and 35% of home loans now processed digitally. Management plans to open 200 branches over the next two years and has received board approval for a Gift City branch. Operating profit increased 10.26% while slippages were contained at Rs 164 crore. The bank targets 15-16% advance growth and aims to increase RAM portfolio to 57-58% by year-end.
Punjab & Sind Bank Targets Double-Digit Credit Growth with Focus on Retail and MSME Segments
Oct 17, 2025
Oct 17, 2025Punjab & Sind Bank has set a target for double-digit credit growth, focusing on retail, MSME, and RAM (Retail, Agriculture, and MSME) segments. The bank is guiding for continued net interest margin improvement, higher current account and savings account ratio, and stronger digital adoption to expand profitability in FY26.
Punjab & Sind Bank's Board approved quarterly financial results for the period ended September 30, 2025. The bank reported a net profit of Rs 294.52 crore for the quarter, compared to Rs 239.59 crore in the same period last year. The Board also approved plans to raise capital up to Rs 5,000 crore through various instruments by March 2027, including Rs 3,000 crore through equity shares via QIP/FPO/Right Issue and Rs 2,000 crore through Basel III compliant bonds. Additionally, the bank plans to raise Rs 3,000 crore through long-term infrastructure bonds. The bank's gross non-performing assets stood at Rs 3,081.89 crore, representing 4.21% of gross advances, while net NPAs were at 1.46%. The capital adequacy ratio was reported at 17.19% under Basel III norms.
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Peer Comparison Compare Peers on Screener
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 | 1,39,099.09 | 8.07 | 1,40,456.80 | 14.76 | 18,553 | 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 |
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Growth Rate
Revenue Growth
19.54 %
Net Income Growth
70.61 %
Cash Flow Change
-231.33 %
ROE
98.69 %
ROCE
5.68 %
EBITDA Margin (Avg.)
-3.29 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 97,753 | 1,02,581 | 96,643 | 1,13,759 | 1,08,982 | 1,00,504 | 1,10,482 | 1,21,068 | 1,36,455 | 1,47,657 | 1,61,815 |
| Fixed Assets | 995 | 1,133 | 1,095 | 1,083 | 1,230 | 1,241 | 1,585 | 1,577 | 1,519 | 1,756 | 1,779 |
| Current Assets | 8,882 | 9,887 | 9,042 | 12,532 | 11,290 | 14,549 | 13,617 | 11,414 | 11,433 | 11,945 | 14,526 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 24,007 | 27,645 | 27,949 | 32,982 | 26,173 | 24,552 | 32,023 | 42,281 | 44,838 | 49,599 | 46,912 |
| Other Assets | 72,752 | 73,803 | 67,600 | 79,695 | 81,579 | 74,711 | 76,874 | 77,210 | 90,097 | 96,302 | 1,13,124 |
| Total Liabilities | 97,753 | 1,02,581 | 96,643 | 1,13,759 | 1,08,982 | 1,00,504 | 1,10,482 | 1,21,068 | 1,36,455 | 1,47,657 | 1,61,815 |
| Current Liabilities | 2,293 | 2,322 | 2,002 | 2,167 | 2,009 | 2,027 | 3,367 | 2,476 | 2,662 | 2,943 | 4,457 |
| Non Current Liabilities | 95,461 | 1,00,260 | 94,641 | 1,11,592 | 1,06,973 | 98,477 | 1,07,115 | 1,18,592 | 1,33,793 | 1,44,714 | 1,57,358 |
| Total Equity | 5,596 | 5,970 | 6,143 | 6,183 | 5,701 | 5,596 | 8,363 | 14,011 | 15,109 | 15,533 | 13,355 |
| Reserve & Surplus | 5,196 | 5,570 | 5,742 | 5,618 | 5,137 | 4,895 | 4,310 | 7,233 | 8,331 | 8,756 | 6,259 |
| Share Capital | 400 | 400 | 400 | 565 | 565 | 701 | 4,053 | 6,778 | 6,778 | 6,778 | 7,096 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -2,105 | 683 | -313 | 2,543 | -515 | 2,960 | -1,239 | -2,051 | 9 | 1,086 | 1,437 |
| Investing Activities | -85 | -38 | -34 | -51 | -61 | -63 | -446 | -121 | -88 | -229 | -168 |
| Operating Activities | -1,982 | 930 | -495 | 1,063 | -97 | 2,210 | -5,848 | -5,999 | 1,428 | 1,746 | -2,294 |
| Financing Activities | -39 | -209 | 216 | 1,531 | -356 | 814 | 5,055 | 4,068 | -1,332 | -432 | 3,898 |
Share Holding
| % Holding | 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 |
| Promoter | 97.07 % | 97.07 % | 97.07 % | 97.07 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 98.25 % | 93.85 % | 93.85 % | 93.85 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.03 % | 0.00 % | 0.02 % | 0.00 % | 0.00 % | 0.00 % | 0.73 % | 0.25 % | 0.16 % |
| DIIs | 1.05 % | 1.06 % | 1.06 % | 1.07 % | 0.64 % | 0.65 % | 0.66 % | 0.68 % | 0.67 % | 0.66 % | 0.68 % | 0.65 % | 0.65 % | 0.65 % | 0.65 % | 0.65 % | 4.32 % | 4.07 % | 4.04 % |
| Government | 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 | 1.66 % | 1.53 % | 1.58 % | 1.62 % | 0.95 % | 0.95 % | 0.94 % | 0.92 % | 0.93 % | 0.96 % | 0.93 % | 0.95 % | 0.97 % | 0.99 % | 1.01 % | 1.00 % | 0.94 % | 1.63 % | 1.70 % |
| Others | 0.22 % | 0.34 % | 0.29 % | 0.24 % | 0.16 % | 0.15 % | 0.15 % | 0.15 % | 0.15 % | 0.13 % | 0.11 % | 0.15 % | 0.11 % | 0.11 % | 0.09 % | 0.10 % | 0.16 % | 0.21 % | 0.26 % |
| No of Share Holders | 0 | 1,26,560 | 1,24,420 | 1,26,326 | 1,28,880 | 1,30,728 | 1,31,351 | 1,30,506 | 1,46,968 | 1,45,385 | 1,55,115 | 1,56,109 | 1,84,679 | 1,91,445 | 1,99,351 | 1,99,133 | 1,99,821 | 2,22,234 | 2,22,120 |
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 | 0.31 | 0.48 | 0.2 | 0.07 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.24 | 0.8 | 0.46 | 0.23 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 06 Jul 2022 |  Dividend | ₹ 0.31 /share | 04 Jul 2022 | 15.25 | 14.45 |
| 04 Jul 2023 | Dividend | ₹ 0.48 /share | 04 Jul 2023 | 35.97 | 32.51 |
| 27 May 2024 |  Extraordinary General Meeting | NA | 27 May 2024 | 62.55 | 61.57 |
| 31 May 2024 | Extraordinary General Meeting | NA | 31 May 2024 | 64.28 | 60.18 |
| 17 Jul 2024 | Dividend | ₹ 0.20 /share | 16 Jul 2024 | 57.40 | 63.79 |
| 24 Jul 2024 |  Annual General Meeting | NA | 24 Jul 2024 | 61.09 | 61.26 |
| 19 Oct 2024 |  Quarterly Result Announcement | NA | 19 Oct 2024 | 52.10 | 52.99 |
| 15 Jan 2025 | Quarterly Result Announcement | NA | 15 Jan 2025 | 46.25 | 47.71 |
| 29 Apr 2025 | Quarterly Result Announcement | NA | 29 Apr 2025 | 30.27 | 29.31 |
| 19 Jul 2025 | Quarterly Result Announcement | NA | 19 Jul 2025 | 32.16 | 32.28 |
| 29 Jul 2025 | Dividend | ₹ 0.07 /share | 29 Jul 2025 | 29.31 | 29.58 |
| 05 Aug 2025 | Annual General Meeting | NA | 05 Aug 2025 | 32.92 | 29.05 |
| 16 Oct 2025 | Quarterly Result Announcement | NA | 16 Oct 2025 | 30.19 | 30.15 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Newspaper PublicationOct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 16, 2025
Oct 16, 2025Outcome Of Board MeetingOct 16, 2025
Oct 16, 2025Board Meeting Outcome for Outcome Of Board MeetingOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 14, 2025
Oct 14, 2025Board Meeting Intimation for Board Meeting To Consider And Approve Unaudited Reviewed Financial Results For The Quarter (Q2) / Half Year Ended September 30 2025 And Capital / Fund Raising PlanOct 13, 2025
Oct 13, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 07, 2025
Oct 07, 2025Provisional Business Figures Of The BankOct 04, 2025
Oct 04, 2025Details Of Bonds Issued And Outstanding As On 30.09.2025Oct 04, 2025
Oct 04, 2025Closure of Trading WindowSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 10, 2025
Sep 10, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 10, 2025
Sep 10, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 22, 2025
Aug 22, 2025Appointment Of Secretarial Auditor Of The BankAug 05, 2025
Aug 05, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 05, 2025
Aug 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 29, 2025
Jul 29, 2025Clarification On Recent Media ReportsJul 29, 2025
Jul 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 19, 2025
Jul 19, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 19, 2025
Jul 19, 2025Results For The Quarter Ended June 30 2025Jul 19, 2025
Jul 19, 2025Board Meeting Outcome for Outcome Of Board MeetingJul 19, 2025
Jul 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 17, 2025
Jul 17, 2025Board Meeting Intimation for Board Meeting To Consider And Approve Unaudited Reviewed Financial Results For The Quarter Ended June 30 2025Jul 16, 2025
Jul 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 15, 2025
Jul 15, 2025Reg. 34 (1) Annual Report.Jul 14, 2025
Jul 14, 2025Notice Of 15Th Annual General MeetingJul 14, 2025
Jul 14, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 08, 2025
Jul 08, 2025Record Date For Final Dividend For FY 2024-25Jul 07, 2025
Jul 07, 202515Th Annual General MeetingJul 07, 2025
Jul 07, 2025Provisional Business Figures Of The BankJul 03, 2025
Jul 03, 2025Closure of Trading WindowJun 30, 2025
Jun 30, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 02, 2025
Jun 02, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 02, 2025
Jun 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 01, 2025
Jun 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 07, 2025
May 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 01, 2025
May 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 30, 2025
Apr 30, 2025Announcement under Regulation 30 (LODR)-Investor PresentationApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Dividend UpdatesApr 29, 2025
Apr 29, 2025Audited Financial Results For The Period Ended 31.03.2025Apr 29, 2025
Apr 29, 2025Board Meeting Outcome for Outcome Of Board MeetingApr 29, 2025
Apr 29, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceApr 29, 2025
Apr 29, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 SBI BSE PSU Bank Index Fund Direct - Growth | 0.44% | 17102 | 0.00% | -0.02% | |
 Kotak BSE PSU Index Fund Direct-Growth | 0.06% | -155 | 0.00% | 0.00% | |
 HDFC BSE 500 Index Fund Direct - Growth | 0.01% | -108 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 57.85
ATR(14)
Less Volatile 0.93
STOCH(9,6)
Neutral 75.52
STOCH RSI(14)
Overbought 88.28
MACD(12,26)
Bullish 0.11
ADX(14)
Strong Trend 27.64
UO(9)
Bearish 41.88
ROC(12)
Uptrend But Slowing Down 4.12
WillR(14)
Neutral -28.16
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