Punjab & Sind Bank

Punjab & Sind Bank

31.24
+0.16
(0.51%)
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Key Fundamentals
Add Ratio
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
Forecast For
Actual

Company News

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Caret
positive
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.
positive
Punjab & 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.
positive
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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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

Automatic Screeners on ScanX

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

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

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 Dividend
₹ 0.31 /share
04 Jul 2022 15.25 14.45
04 Jul 2023 DIVIDEND Dividend
₹ 0.48 /share
04 Jul 2023 35.97 32.51
27 May 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
27 May 2024 62.55 61.57
31 May 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
31 May 2024 64.28 60.18
17 Jul 2024 DIVIDEND Dividend
₹ 0.20 /share
16 Jul 2024 57.40 63.79
24 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
24 Jul 2024 61.09 61.26
19 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
19 Oct 2024 52.10 52.99
15 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
15 Jan 2025 46.25 47.71
29 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Apr 2025 30.27 29.31
19 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
19 Jul 2025 32.16 32.28
29 Jul 2025 DIVIDEND Dividend
₹ 0.07 /share
29 Jul 2025 29.31 29.58
05 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
05 Aug 2025 32.92 29.05
16 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
16 Oct 2025 30.19 30.15

Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome2 days ago
Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 17, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationOct 16, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 16, 2025
Outcome Of Board MeetingOct 16, 2025
Board Meeting Outcome for Outcome Of Board MeetingOct 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 14, 2025
Board 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
Announcement under Regulation 30 (LODR)-Credit RatingOct 07, 2025
Provisional Business Figures Of The BankOct 04, 2025
Details Of Bonds Issued And Outstanding As On 30.09.2025Oct 04, 2025
Closure of Trading WindowSep 29, 2025
Announcement under Regulation 30 (LODR)-Credit RatingSep 10, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateSep 10, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 22, 2025
Appointment Of Secretarial Auditor Of The BankAug 05, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 05, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 29, 2025
Clarification On Recent Media ReportsJul 29, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 22, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 21, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 19, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 19, 2025
Results For The Quarter Ended June 30 2025Jul 19, 2025
Board Meeting Outcome for Outcome Of Board MeetingJul 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 17, 2025
Board Meeting Intimation for Board Meeting To Consider And Approve Unaudited Reviewed Financial Results For The Quarter Ended June 30 2025Jul 16, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 15, 2025
Reg. 34 (1) Annual Report.Jul 14, 2025
Notice Of 15Th Annual General MeetingJul 14, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 14, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 08, 2025
Record Date For Final Dividend For FY 2024-25Jul 07, 2025
15Th Annual General MeetingJul 07, 2025
Provisional Business Figures Of The BankJul 03, 2025
Closure of Trading WindowJun 30, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 25, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 01, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 07, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 01, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 30, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationApr 29, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 29, 2025
Announcement under Regulation 30 (LODR)-Dividend UpdatesApr 29, 2025
Audited Financial Results For The Period Ended 31.03.2025Apr 29, 2025
Board Meeting Outcome for Outcome Of Board MeetingApr 29, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceApr 29, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M 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