Punjab & Sind Bank to Consider Q2 Results and Rs 5,000 Crore Capital Raising Plan

1 min read     Updated on 13 Oct 2025, 06:49 PM
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Ashish ThakurScanX News Team
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Overview

Punjab & Sind Bank (PSB) has scheduled a board meeting for October 16, 2025, to review Q2 FY2025-26 financial results and discuss a capital raising plan. The bank aims to raise up to Rs 5,000 crore by March 2027, including Rs 3,000 crore through equity shares and Rs 2,000 crore via Basel III compliant bonds. The trading window for designated persons is closed from October 1 to October 18, 2025.

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*this image is generated using AI for illustrative purposes only.

Punjab & Sind Bank (PSB) has announced a crucial board meeting scheduled for October 16, 2025, to deliberate on its financial performance and ambitious capital raising plans. The meeting will focus on two key agenda items: reviewing the bank's financial results for the second quarter of the fiscal year 2025-26 and discussing a substantial capital infusion strategy.

Financial Results Review

The board will convene to consider and approve the unaudited financial results for the quarter and half-year ended September 30, 2025. This review is a standard practice for listed companies and provides investors and stakeholders with insights into the bank's recent financial performance.

Capital Raising Initiative

In a significant move, PSB is set to discuss a comprehensive capital raising plan, aiming to bolster its financial position. The proposed plan involves raising up to Rs 5,000.00 crore by March 2027 through various financial instruments. Here's a breakdown of the proposed capital raising strategy:

Instrument Type Amount (in Rs Crore)
Equity Shares (via QIP/FPO/Rights Issue) 3,000.00
Basel III Compliant Additional Tier I or Tier II Bonds 2,000.00

This diversified approach to capital raising demonstrates PSB's strategy to strengthen its capital base.

Trading Window Closure

In compliance with regulatory requirements and the bank's internal Code of Conduct, PSB has announced the closure of the trading window for designated persons. The window, which has been closed since October 1, 2025, will remain so until October 18, 2025. This measure is taken to prevent insider trading and ensure fair market practices during the sensitive period surrounding the financial results announcement.

The outcome of this board meeting will be closely watched by investors and market analysts, as it will provide crucial insights into PSB's financial health and future growth strategies. The proposed capital raising plan, if approved, could significantly impact the bank's ability to expand its operations and meet regulatory capital requirements.

As the banking sector continues to evolve in response to economic challenges and regulatory changes, PSB's proactive approach to capital management reflects its commitment to maintaining a strong financial foundation and supporting long-term growth initiatives.

Historical Stock Returns for Punjab & Sind Bank

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Punjab & Sind Bank Reports Robust Q2 Growth: Total Business Surges 12.3% YoY

1 min read     Updated on 04 Oct 2025, 05:47 PM
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Shriram ShekharScanX News Team
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Overview

Punjab & Sind Bank's Q2 total business reached ₹2,41,450 crores, marking a 12.3% year-on-year and 4.5% quarter-on-quarter growth. Total deposits increased to ₹1,35,708 crores, up 9.4% YoY. CASA deposits grew to ₹41,130 crores, an 8.97% YoY increase. Gross advances rose significantly by 16.16% YoY to ₹1,05,742 crores. The bank's Credit-Deposit ratio improved to 77.92%, indicating efficient utilization of deposits for credit generation.

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*this image is generated using AI for illustrative purposes only.

Punjab & Sind Bank has reported strong growth in its Q2 performance, with total business reaching ₹2,41,450 crores, marking a significant year-on-year increase of 12.3% and a quarter-on-quarter growth of 4.5%. The bank's latest financial figures demonstrate its resilience and continued expansion in the banking sector.

Key Highlights

Particulars Q2 (₹ in crore) Q1 (₹ in crore) Q2 PY (₹ in crore) QoQ Growth (%) YoY Growth (%)
Total Business 2,41,450 2,31,132 2,15,057 4.46 12.27
Total Deposits 1,35,708 1,31,182 1,24,025 3.45 9.42
CASA Deposits 41,130 40,133 37,744 2.48 8.97
Gross Advances 1,05,742 99,950 91,032 5.79 16.16

Deposit and CASA Growth

The bank's total deposits reached ₹1,35,708 crores, showcasing a robust 9.4% year-on-year increase and a 3.5% quarter-on-quarter growth. This growth in deposits indicates increasing customer trust and the bank's ability to attract funds effectively.

Current Account and Savings Account (CASA) deposits, a crucial indicator of a bank's low-cost funding, grew to ₹41,130 crores. This represents an 8.97% year-on-year increase and a 2.48% quarter-on-quarter growth. The CASA ratio stood at 30.31% for Q2, slightly lower than the 30.59% recorded in the previous quarter but maintaining stability compared to 30.43% in the same quarter last year.

Advances and Credit-Deposit Ratio

Punjab & Sind Bank's gross advances witnessed a substantial growth of 16.16% year-on-year, reaching ₹1,05,742 crores. The quarter-on-quarter growth in advances was also impressive at 5.79%, indicating strong credit demand and the bank's aggressive lending strategy.

The Credit-Deposit (CD) ratio improved to 77.92% in Q2, up from 76.19% in the previous quarter and 73.40% in the same quarter last year. This increase suggests that the bank is efficiently utilizing its deposits to generate credit and potentially higher interest income.

Conclusion

Punjab & Sind Bank's Q2 performance demonstrates robust growth across key financial parameters. The significant increase in total business, coupled with strong growth in deposits and advances, indicates the bank's expanding market presence and effective operational strategies. As the banking sector continues to evolve, Punjab & Sind Bank's performance positions it well for sustained growth and competitiveness in the market.

Note: The figures for Q2 are provisional and subject to review by the Central Statutory Auditors of the Bank.

Historical Stock Returns for Punjab & Sind Bank

1 Day5 Days1 Month6 Months1 Year5 Years
-1.16%+0.30%+1.50%+7.88%-42.86%+178.97%
Punjab & Sind Bank
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