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Punjab & Sind Bank

BankBank - Public

punjabandsind.bank.in BSE: 533295NSE: PSB

₹22.95BSE1.67%

07 Sep, 4:01 PM

₹22.95

₹16.30K Cr

11.77

1.20

10.42%

₹23.34

₹22.88

₹32.47

₹20.46

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Price Performance

Peer Comparison

Name
STATE BANK SBIN	1,005.95	11.32	9,28,553.98	1.72	21,121.22	10.23%	1,27,896.46	8.54%	12.14
UNION BANK L UNIONBANK	186.00	7.13	1,41,985.06	2.69	5,332.30	29.57%	27,203.19	1.05%	14.76
PUNJAB NATIO PNB	115.75	6.49	1,33,030.82	2.59	5,253.29	213.63%	32,897.26	2.92%	14.34
BANKBARODA BANKBARODA	236.55	7.30	1,22,328.57	3.59	1,278.39	-71.85%	33,210.72	6.82%	11.89
INDIAN BANK INDIANB	869.65	9.40	1,17,138.72	2.10	3,273.09	10.10%	18,090.16	11.10%	16.50
CANARA BANK CANBK	124.20	5.84	1,12,657.49	3.38	4,855.82	2.18%	32,957.04	6.30%	14.04
BANK MAHA MAHABANK	85.00	8.78	65,378.22	2.59	2,020.19	26.84%	8,034.63	13.90%	16.58
Punjab & Sind Bank PSB	22.95	11.77	16,298.56	1.70	331.51	23.16%	3,213.37	10.40%	9.07

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2021	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,740.92	2,652.27	2,738.95	2,931.14	3,158.94	2,910.66	2,998.87	3,041.98	3,029.99	3,213.37
Expenses	572.51	727.18	773.81	793.01	982.39	829.04	819.38	899.18	859.87	825.57
	300.65	316.60	457.95	483.98	816.39	540.10	505.06	594.28	542.30	545.48
	17.27%	11.94%	16.72%	16.51%	25.84%	18.56%	16.84%	19.54%	17.90%	16.98%
Provisions and Contingencies	202.62	103.38	150.64	109.33	374.02	217.08	147.67	137.81	-73.15	93.99
	256.04	193.75	358.91	338.23	676.76	468.73	374.41	507.29	427.37	332.35
Interest	1,123.80	1,802.24	1,866.10	1,992.38	2,036.92	2,010.25	2,048.84	2,055.81	2,055.19	2,174.67
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	98.03	213.22	307.31	374.65	442.37	323.02	357.39	456.47	615.45	451.49
	-122.67%	14.88%	22.04%	24.74%	29.29%	16.67%	17.59%	26.30%	31.46%	26.57%
	218.28	181.50	239.59	281.96	312.78	269.16	294.52	336.42	421.83	331.51
	0.54	0.27	0.35	0.42	0.44	0.38	0.42	0.47	0.59	0.47

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	7,095.81	7,992.73	9,693.98	11,481.30	11,981.50
	959.38	939.96	1,221.47	1,567.65	1,777.80
	8,055.19	8,932.69	10,915.44	13,048.95	13,759.30
II. EXPENDITURE
Interest Expended	4,444.50	5,019.35	6,852.93	7,697.64	8,170.09
Operating Expenses	2,280.60	2,463.40	2,931.57	3,276.39	3,407.47
Provisions and Contingencies	143.41	-169.91	193.96	737.37	429.41
	1,186.68	1,619.85	936.98	1,337.55	1,752.33
Taxes	147.63	306.82	341.56	321.72	430.40
	1,039.05	1,313.03	595.42	1,015.83	1,321.93
Extra items				0.00	0.00
Consolidated Net Profit	1,039.05	1,313.03	595.42	1,015.83	1,321.93
Adjustments to PAT	3,686.55
IV. APPROPRIATIONS	1,148.05	1,939.06	1,951.79	2,410.39	3,229.72
Equity Dividend %	3.10%	4.80%	2.00%	0.70%	3.90%
	1.53	1.94	0.88	1.43	1.86
Adjusted EPS	1.53	1.94	0.88	1.43	1.86

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	6,777.79	6,777.79	6,777.79	7,095.59	7,095.59
Total Reserves	7,232.80	8,330.72	8,755.64	6,259.17	7,036.83
Reserve excluding Revaluation Reserve	6,312.90	7,418.50	7,689.25	5,195.71	5,976.30
Revaluation Reserves	919.90	912.22	1,066.39	1,063.46	1,060.53
Deposits	1,02,137.01	1,09,665.49	1,19,409.55	1,29,774.02	1,45,829.01
	2,443.63	9,018.38	9,770.86	14,229.52	16,352.33
Other Liabilities & Provisions	2,476.31	2,662.14	2,942.69	4,456.87	2,956.56
Total Liabilities	1,21,067.55	1,36,454.52	1,47,656.53	1,61,815.17	1,79,270.31
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	6,139.24	6,225.40	7,312.46	8,793.80	6,229.54
Balances with banks and money at call	148.99	71.32	70.55	26.26	69.71
Investments	42,280.87	44,838.42	49,599.16	46,912.31	49,388.47
Investments in India	42,280.87	44,838.42	49,599.16	46,912.31	49,388.47
Investments outside India	0.00
Advances	63,626.56	76,819.43	82,736.38	97,299.90	1,15,911.74
Gross block	2,208.94	2,279.53	2,658.15	2,838.90	3,072.73
Less: Accumulated Depreciation	631.50	760.11	902.37	1,040.65	1,210.72
Net Block	1,577.44	1,519.42	1,755.78	1,798.25	1,862.01
Capital Work in Progress	0.00
Other Assets	7,294.44	6,980.52	6,182.20	6,984.64	5,808.83
Total Assets	1,21,067.55	1,36,454.52	1,47,656.53	1,61,815.17	1,79,270.31
Contingent Liabilities	9,912.30	7,645.40	6,659.68	5,335.03	8,628.11
Bills for collection	899.88	955.93	969.44	864.88	1,296.02
	19.31	20.95	21.34	17.32	18.42
Adjusted Book Value	19.31	20.95	21.34	17.32	18.42

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	1,039.05	1,313.03	595.42	1,015.83	1,321.93
Adjustments for Expenses & Provisions :	659.68	399.68	791.25	1,313.14	1,480.73
Adjustments for Liabilities & Assets:	-8,551.26	-134.95	704.68	-5,284.42	-4,414.48
Refund/(payment) of direct taxes	853.95	-149.40	-342.47	661.94	-281.30
Cash Flow from operating activities	-5,998.57	1,428.36	1,748.88	-2,293.50	-1,893.11
Cash Flow from investing activities	-120.79	-88.16	-228.63	-167.61	-240.91
Cash Flow from financing activities	4,068.14	-1,331.70	-433.96	3,898.16	-386.79
Net increase/(decrease) in cash and cash equivalents	-2,051.22	8.50	1,086.29	1,437.05	-2,520.81
Opening Cash & Cash Equivalents	8,339.45	6,288.22	6,296.72	7,383.01	8,820.06
Closing Cash & Cash Equivalent	6,288.22	6,296.72	7,383.01	8,820.06	6,299.26

Ratios

Valuation

11.77

1.20

12.08

1.33

1.95

19.13

Profitability

10.42

9.07

0.78

18.21

11.03

Leverage & Liquidity

1.25

Returns

1.70

Banking Metrics

2.22

2.40

0.79

79.48

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	98.25	98.25	98.25	93.85	93.85	93.85	93.85	93.85	93.85
	0.65	0.65	0.65	4.99	4.31	4.20	4.16	4.05	3.96
	1.10	1.10	1.10	1.16	1.85	1.96	1.99	2.10	2.20
	1.75	1.75	1.75	6.15	6.15	6.15	6.15	6.15	6.15
No. of Shareholders	1,91,445	1,99,351	1,99,133	1,99,821	2,22,234	2,22,120	2,22,415	2,22,301	2,21,849

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-07-15	Board Meeting	Quarterly Results
2026-07-02	AGM
2026-04-27	Ex Dividend	Rs.0.3900 per share(3.9%)Final Dividend	2026-07-21	2026-07-21

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Public

Punjab & Sind Bank operates in the Bank sector under the Bank - Public industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

8 members across the board and senior leadership

Saket Mehrotra

Company Secretary & Compliance Officer

—

Swarup Kumar Saha

Managing Director & Chief Executive Officer

₹43.66 L

Mar '26

Ravi Mehra

Executive Director

₹45.38 L

Mar '26

Rajeeva

Executive Director

₹46.71 L

Mar '26

Jitendra Asati

Government Nominee Director

—

Vivek Srivastava

Nominee Director - RBI

—

Rajendra Prasad Gupta

Shareholders Director

₹20.00 L

Mar '26

Kristam Subba Raju Guptha

Part Time Non-Official Director

—

PSB Latest News

News

3 of 3 articles

EQUITY20 Jul 2026 · 10:20

Punjab & Sind Bank informs about board meeting proceedings

COMPANY20 Jul 2026 · 09:58

Punjab & Sind Bank reports 23% rise in Q1 net profit

Total income of the bank increased by 4.92% to Rs 3,545.72 crore in Q1FY27

COMPANY8 Jul 2026 · 16:00

Punjab & Sind Bank gets IFSCA licence to setup IFSC Banking unit at GIFT IFSC

The Reserve Bank of India had permitted the Bank for setting up IFSC Banking Unit at GIFT City Gandhinagar

PSB

₹22.95

-1.67%