Punjab National Bank quarterly results and financials

Punjab National Bank (PNB)₹132.17+5.27%(9 Nov 2026 close)Public Sector Bank

Key facts

In the Sep 2026 quarter (consolidated), Punjab National Bank reported revenue of ₹35,293 Cr, up 8.4% from Sep 2025, and net profit of ₹5,903 Cr, up 15.5% year on year. For the year to Mar 2026, revenue were ₹1.31 L Cr and net profit ₹18,425 Cr.

Revenue (Sep 2026): ₹35,293 Cr
Net profit (Sep 2026): ₹5,903 Cr
Revenue (FY Mar 2026): ₹1.31 L Cr
Net profit (FY Mar 2026): ₹18,425 Cr
EPS (Sep 2026): ₹5.14
Borrowings (Mar 2026): ₹1.07 L Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

Punjab National Bank quarterly results

₹ crore unless stated; each column is a quarter.

Punjab National Bank Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	27,901	28,738	29,206	30,514	31,960	32,593	32,613	32,545	32,953	32,862	33,662	35,293
Interest	17,390	18,149	18,473	19,708	20,655	21,572	21,756	21,775	22,096	22,129	22,485	23,380
Net interest income	10,511	10,589	10,733	10,806	11,306	11,021	10,857	10,770	10,858	10,733	11,177	11,913
Expenses	9,447	9,834	8,475	8,594	7,499	9,138	9,203	8,307	9,306	7,523	8,262	7,837
Financing Profit	956	644	2,130	2,058	3,649	1,737	1,542	2,347	1,422	3,053	2,735	3,951
Financing Margin %	3.0%	2.0%	7.0%	7.0%	11.0%	5.0%	5.0%	7.0%	4.0%	9.0%	8.0%	11.0%
Other Income	2,673	4,287	3,611	4,658	3,384	4,767	5,414	4,160	5,000	4,070	4,360	3,517
Profit before tax	3,633	4,933	5,745	6,726	7,044	6,514	6,961	6,520	6,431	7,136	7,105	7,475
Tax %	38.1%	37.1%	35.1%	34.1%	34.1%	29.1%	74.1%	26.1%	19.1%	27.1%	25.1%	26.1%
Net Profit	2,436	3,355	3,983	4,725	4,799	4,997	2,164	5,111	5,567	5,589	5,819	5,903
EPS (Rs)	2.22	3.05	3.62	4.11	4.19	4.35	1.85	4.47	4.84	4.88	5.07	5.14
Gross NPA %	6.2%	5.7%	5.0%	4.5%	4.1%	4.0%	3.8%	3.5%	3.2%	3.0%	2.8%	2.6%
Net NPA %	1.0%	0.7%	0.6%	0.5%	0.4%	0.4%	0.4%	0.4%	0.3%	0.3%	0.3%	0.3%
Provision coverage (approx., excl. write-offs) %	84.6%	87.3%	88.0%	89.7%	90.0%	89.9%	90.0%	89.6%	90.0%	90.2%	89.9%	90.2%

Punjab National Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Punjab National Bank Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	50,870	48,122	48,832	52,247	55,030	82,094	76,405	86,911	1,09,279	1,24,276	1,31,026	1,34,770
Interest	34,204	32,575	33,377	34,513	36,846	50,580	46,637	51,628	68,320	80,450	87,713	90,090
Net interest income	16,667	15,547	15,455	17,733	18,183	31,514	29,768	35,282	40,959	43,826	43,313	44,680
Expenses	27,474	22,546	43,351	39,669	25,889	38,636	36,032	41,519	39,637	32,727	33,053	32,929
Financing Profit	−10,938	−7,169	−28,060	−22,086	−7,914	−7,441	−6,589	−6,449	905	10,532	9,646	11,160
Financing Margin %	−22.0%	−15.0%	−58.0%	−42.0%	−14.0%	−9.0%	−9.0%	−7.0%	1.0%	9.0%	7.0%	8.3%
Other Income	6,086	9,155	8,869	7,357	9,371	12,751	12,302	12,509	14,134	17,527	20,014	16,947
Depreciation	412	430	580	583	613	980	895	904	905	956	1,279	0.00
Profit before tax	−5,289	1,539	−19,833	−15,352	826	4,321	4,820	5,145	14,141	27,148	28,432	28,146
Tax %	−30.9%	41.1%	−36.9%	−34.9%	56.1%	38.1%	19.1%	35.1%	35.1%	32.1%	35.1%	—
Exceptional items	2.01	5.01	3.01	18.03	0.00	−13.01	14.01	2.01	4.01	4.01	7.02	—
Net Profit	−3,503	1,236	−12,094	−9,526	484	2,689	3,902	3,350	9,135	18,503	18,425	22,878
EPS (Rs)	−18.83	5.60	−43.98	−20.83	0.66	2.46	3.52	3.05	8.28	16.10	16.04	19.93
Dividend payout %	−2.0%	0.0%	0.0%	0.0%	0.0%	0.0%	18.0%	21.0%	18.0%	18.0%	18.9%	—

Punjab National Bank balance sheet

₹ crore, at each year end.

Punjab National Bank Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	370	391	425	550	918	1,343	2,090	2,194	2,194	2,196	2,292	2,290
Reserves	41,525	41,248	42,866	40,842	45,019	62,345	90,169	95,028	1,00,381	1,07,868	1,30,442	1,47,151
Deposits	5,36,787	5,69,048	6,29,128	6,47,676	6,80,644	7,09,558	11,12,290	11,51,966	12,88,758	13,77,727	15,75,414	17,22,146
Borrowings	36,632	81,469	43,315	65,266	46,758	62,473	52,281	59,267	70,066	72,507	1,05,665	1,07,393
Other Liabilities	19,428	18,841	16,828	22,135	15,259	14,743	21,074	27,978	30,128	36,263	41,379	50,760
Total Liabilities	6,34,740	7,10,997	7,32,561	7,76,469	7,88,599	8,50,462	12,77,903	13,36,433	14,91,527	15,96,561	18,55,191	20,29,740
Fixed Assets	3,648	5,297	6,285	6,352	6,230	7,244	11,012	10,663	12,055	12,321	13,039	15,589
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1,57,073	1,65,438	1,92,043	2,04,944	2,10,975	2,54,274	4,05,099	3,89,396	4,18,013	4,47,213	5,25,858	5,24,450
Other Assets	4,74,021	5,40,261	5,34,233	5,65,173	5,71,393	5,88,945	8,61,792	9,36,374	10,61,460	11,37,026	13,16,293	14,89,701
Cash & equivalents	24,518	26,574	25,468	29,093	32,445	38,691	44,379	86,361	78,425	65,544	64,535	61,105
Total Assets	6,34,740	7,10,997	7,32,561	7,76,469	7,88,599	8,50,462	12,77,903	13,36,433	14,91,527	15,96,561	18,55,191	20,29,740

Punjab National Bank cash flow

₹ crore, for each year.

Punjab National Bank Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	4,815	14,170	21,923	−1,742	−33,553	−12,795	30,943	20,029	22,578	−27,930	22,059	25,627
Cash from investing activity	−871	−1,350	159	391	−628	−338	−786	−1,203	−731	−1,503	−1,576	−608
Cash from financing activity	7,444	5,962	−9,747	7,444	13,947	13,579	5,409	2,029	1,273	3,512	−1,136	−11,638
Net cash flow	11,374	18,769	12,315	6,097	−20,165	459	35,518	20,829	23,097	−25,903	19,332	13,344
Capex	545	605	496	651	440	338	786	535	552	1,175	1,600	1,625
Free cash flow	4,268	13,547	21,420	−2,393	−33,978	−13,124	30,170	19,489	22,042	−29,045	20,486	24,042

Punjab National Bank ratios

Working-capital days and returns, by year.

Punjab National Bank Ratios
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	8.0%	−9.0%	3.0%	−29.0%	−22.0%	1.0%	3.0%	4.0%	3.0%	9.0%	15.0%	13.0%

Punjab National Bank: frequently asked questions

What are the latest quarterly results of Punjab National Bank?

For the Sep 2026 quarter, Punjab National Bank reported revenue of ₹35,293 Cr, up 8.4% year on year and net profit of ₹5,903 Cr, up 15.5% year on year.

What is the annual revenue of Punjab National Bank?

Punjab National Bank's revenue for the year to Mar 2026 were ₹1.31 L Cr; over the last twelve months they were ₹1.35 L Cr.

What is the net profit of Punjab National Bank?

Net profit for the year to Mar 2026 was ₹18,425 Cr, and ₹22,878 Cr over the last twelve months. Earnings per share over the same trailing period were ₹19.93.

What is the free cash flow of Punjab National Bank?

Cash from operations was ₹25,627 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹24,042 Cr.

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