| 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 | 13,582 |
| Expenses | 1,914 | 2,110 | 2,445 | 3,347 | 3,982 | 4,423 | 6,468 | 2,287 | 2,145 | 2,976 | 3,869 | 4,229 |
| EBITDA | 194 | 544 | 293 | -531 | -874 | -1,468 | -3,302 | 1,324 | 1,768 | 1,087 | 1,483 | 1,447 |
| Operating Profit % | 78 % | 76 % | 70 % | 58 % | 53 % | 44 % | 7 % | 68 % | 73 % | 69 % | 66 % | 64 % |
| 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 | 7,906 |
| Profit Before Tax | 148 | 498 | 251 | -595 | -859 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,447 |
| Tax | 27 | 162 | 49 | 149 | -315 | -532 | -671 | 148 | 307 | 342 | 322 | 344 |
| Net Profit | 121 | 336 | 201 | -744 | -544 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,104 |
| EPS in ₹ | 3.59 | 8.39 | 5.02 | -18.49 | -9.62 | -15.76 | -35.71 | 2.56 | 1.94 | 0.88 | 1.50 | 1.60 |
Punjab & Sind Bank
Punjab & Sind Bank
29.94
+0.01
(0.03%)
Market Cap
21,244.20 Cr
EPS
1.50
PE Ratio
19.19
Dividend Yield
0.23 %
Industry
Banks52 Week High
56.30
52 Week Low
25.22
PB Ratio
1.69
Debt to Equity
0.00
Sector
Public Sector Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Company News
View All News
Punjab & Sind Bank held its 15th Annual General Meeting on August 5, 2025, via video conferencing with 62 shareholders in attendance. The bank approved all seven agenda items with requisite majority, including adoption of audited financial statements for 2024-25, declaration of dividend at Rs. 0.07 per equity share (0.70% of face value), and several key appointments. Shareholders approved the appointment of Rajeeva as Executive Director, Vivek Srivastava as RBI Nominee Director, reappointment of Shankar Lal Agarwal as Part-time Non-Official Director, and extension of Swarup Kumar Saha's tenure as MD & CEO. The meeting also approved the appointment of R S Kathuria & Co as Secretarial Auditor for five years from 2025-26 to 2029-30. The dividend will be paid within 30 days to shareholders on record as of July 29, 2025. All resolutions received overwhelming support with approval rates exceeding 99% across all items.
Punjab & Sind Bank detected suspected money mule transactions during routine surveillance activities. The bank confirmed that these findings have no material impact on its financial position. The bank emphasized its proactive approach to compliance monitoring.
Punjab & Sind Bank Reports 70% Jump in Operating Profit, 48% Rise in Net Profit for Q1 FY26
Jul 29, 2025
Jul 29, 2025Punjab & Sind Bank reported strong quarterly results with operating profit increasing 70.35% to Rs.540 crore and net profit rising 47.80% to Rs.269 crore. Total business grew 10.94% to Rs.2,31,132 crore, comprising deposits of Rs.1,31,182 crore (8.78% growth) and advances of Rs.1,00,000 crore (13.92% growth). Asset quality improved with Gross NPA declining to 3.34% and Net NPA to 0.91%, while slippage ratio remained low at 0.21%. The bank maintained strong capitalization at 17.90% and provision coverage ratio at 91.77%. RAM advances grew 17.18% with retail credit expanding 29%. Treasury operations contributed Rs.208 crore profit. The bank expanded its network with 4 new zonal offices and plans to open over 200 branches. Management confirmed guidance targets remain intact including 15-16% credit growth and 8-10% deposit growth for FY26. CASA ratio stood at 30.6% while retail term deposits showed traction with 11.43% year-on-year growth. The bank has a co-lending portfolio of over Rs.3,000 crore and launched digital lending products for housing, vehicles, MSME and agriculture segments.
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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 |
|---|---|---|---|---|---|---|---|---|
867.30 | #1 8,00,571.50 | 10.07 | #1 6,63,343.30 | 11.57 | #1 79,017 | 10.09 | 63.27 | |
263.95 | 1,36,498.10 | 7.01 | 1,52,884.10 | 7.83 | 20,459 | -26.17 | 70.13 | |
114.37 | 1,31,444.80 | 7.91 | 1,40,456.80 | 14.76 | 18,553 | -45.71 | 60.26 | |
125.90 | 1,14,199.50 | 6.17 | 1,52,657.90 | 9.70 | 17,336 | -21.12 | 68.86 | |
137.71 | 1,05,122.40 | #1 5.58 | 1,29,979.30 | 9.98 | 17,921 | 21.59 | 57.46 | |
765.95 | 1,03,170.70 | 8.99 | 72,050.90 | 12.17 | 10,995 | -11.45 | 68.52 | |
39.89 | 76,814.50 | 19.56 | 33,750.30 | 13.52 | 3,396 | #1 81.66 | 53.71 | |
125.53 | 57,149.60 | 5.79 | 80,412.40 | 19.47 | 9,552 | -3.14 | 66.91 | |
56.49 | 43,449.60 | 7.55 | 28,402.60 | #1 20.90 | 5,542 | 16.16 | 54.47 | |
30.77 | 38,584.20 | 15.62 | 29,473.50 | 17.33 | 2,445 | 23.76 | 59.30 |
Automatic Screeners on ScanX
Forecast
Actual
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 |
Announcements
Closure of Trading Window4 days ago
4 days agoAnnouncement 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, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 27, 2025
Apr 27, 2025Board Meeting Intimation for Considering Audited Financial Results Of The Bank For The Quarter And Financial Year Ended On March 31 2025Apr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 17, 2025
Apr 17, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateApr 13, 2025
Apr 13, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 09, 2025
Apr 09, 2025Details Of Bonds Issued And Outstanding As On 31.03.2025Apr 07, 2025
Apr 07, 2025Chapter XIV - Centralized Database For Corporate Bonds/DebenturesApr 07, 2025
Apr 07, 2025Provisional Business Figures Of The BankApr 02, 2025
Apr 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 01, 2025
Apr 01, 2025Closure of Trading WindowMar 29, 2025
Mar 29, 2025Qualified Institutions Placement Of Equity SharesMar 28, 2025
Mar 28, 2025Announcement under Regulation 30 (LODR)-Meeting UpdatesMar 27, 2025
Mar 27, 2025Technical Indicators
RSI(14)
Neutral 55.94
ATR(14)
Less Volatile 0.80
STOCH(9,6)
Neutral 35.02
STOCH RSI(14)
Neutral 59.97
MACD(12,26)
Bullish 0.03
ADX(14)
Weak Trend 24.59
UO(9)
Bearish 39.35
ROC(12)
Uptrend And Accelerating 0.44
WillR(14)
Neutral -43.75
Mutual 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% | 2061 | -0.02% | -0.05% | |
 Kotak BSE PSU Index Fund Direct-Growth | 0.06% | 43 | 0.00% | -0.01% | |
 HDFC BSE 500 Index Fund Direct - Growth | 0.01% | 42 | 0.00% | 0.00% |
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