Punjab & Sind Bank quarterly results and financials

Punjab & Sind Bank (PSB)₹20.81+0.92%(9 Nov 2026 close)Public Sector Bank

Key facts

In the Jun 2026 quarter (standalone), Punjab & Sind Bank reported revenue of ₹3,202 Cr, up 10.4% from Jun 2025, and net profit of ₹332 Cr, up 23.3% year on year. For the year to Mar 2026, revenue were ₹11,948 Cr and net profit ₹1,323 Cr.

Revenue (Jun 2026): ₹3,202 Cr
Net profit (Jun 2026): ₹332 Cr
Revenue (FY Mar 2026): ₹11,948 Cr
Net profit (FY Mar 2026): ₹1,323 Cr
EPS (Jun 2026): ₹0.48
Borrowings (Mar 2026): ₹16,402 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

Punjab & Sind Bank quarterly results

₹ crore unless stated; each column is a quarter.

Punjab & Sind Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	2,398	2,481	2,472	2,644	2,730	2,921	3,150	2,901	2,987	3,032	3,021	3,202
Interest	1,738	1,759	1,798	1,808	1,873	2,001	2,044	2,017	2,056	2,062	2,064	2,185
Net interest income	660	723	673	836	857	919	1,106	884	930	969	958	1,017
Expenses	649	922	876	832	925	903	1,359	1,047	969	1,038	789	922
Financing Profit	26.94	−181	−186	18.95	−51.88	35.90	−233	−146	−16.95	−50.91	188	119
Financing Margin %	1.0%	−7.0%	−8.0%	1.0%	−2.0%	1.0%	−7.0%	−5.0%	−1.0%	−2.0%	6.0%	4.0%
Other Income	268	362	413	194	358	338	676	469	374	506	427	332
Profit before tax	295	181	227	213	308	376	442	323	358	457	616	452
Tax %	36.0%	37.0%	39.1%	15.0%	22.0%	25.0%	29.0%	17.0%	18.0%	26.0%	31.0%	27.0%
Net Profit	189	114	139	182	240	282	313	269	295	336	422	332
EPS (Rs)	0.29	0.18	0.22	0.28	0.36	0.43	0.45	0.39	0.43	0.48	0.60	0.48
Gross NPA %	6.2%	5.7%	5.4%	4.7%	4.2%	3.8%	3.4%	3.3%	2.9%	2.6%	2.4%	2.2%
Net NPA %	1.9%	1.8%	1.6%	1.6%	1.5%	1.3%	1.0%	0.9%	0.8%	0.7%	0.8%	0.7%
Provision coverage (approx., excl. write-offs) %	69.8%	68.4%	70.0%	66.3%	65.3%	67.4%	71.6%	72.8%	71.6%	71.5%	67.1%	70.6%

Punjab & Sind Bank profit and loss

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

Punjab & Sind 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	8,713	8,143	7,921	8,528	7,897	6,953	7,067	7,963	9,659	11,447	11,948	12,241
Interest	6,594	6,039	5,740	6,305	5,893	4,731	4,464	5,035	6,878	7,725	8,204	8,367
Net interest income	2,120	2,104	2,181	2,223	2,004	2,222	2,603	2,928	2,781	3,722	3,743	3,874
Expenses	2,114	2,541	3,351	3,990	4,432	6,474	2,292	2,148	2,979	3,876	3,668	3,718
Financing Profit	65.86	−376	−1,110	−1,699	−2,362	−4,200	363	826	−134	−84.78	152	238
Financing Margin %	1.0%	−5.0%	−14.1%	−20.0%	−30.1%	−60.1%	5.0%	10.0%	−1.0%	−1.0%	1.0%	2.0%
Other Income	478	577	580	827	897	903	957	938	1,220	1,566	1,776	1,638
Depreciation	46.16	0.00	64.16	−15.05	54.18	102	137	149	150	146	178	0.00
Profit before tax	499	201	−596	−861	−1,524	−3,406	1,189	1,623	939	1,339	1,755	1,882
Tax %	33.0%	0.0%	25.1%	−37.0%	−35.0%	−20.0%	12.0%	19.0%	36.1%	24.0%	25.0%	—
Exceptional items	0.00	0.00	0.00	9.99	0.99	0.00	0.00	0.99	0.00	0.00	0.00	—
Net Profit	336	201	−744	−543	−991	−2,734	1,040	1,313	595	1,016	1,323	1,386
EPS (Rs)	8.40	5.03	−13.20	−9.63	−14.17	−6.75	1.54	1.95	0.89	1.44	1.87	1.99
Dividend payout %	19.9%	0.0%	0.0%	0.0%	0.0%	0.0%	19.9%	24.9%	22.9%	5.0%	20.9%	—

Punjab & Sind Bank balance sheet

₹ crore, at each year end.

Punjab & Sind 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	400	399	399	565	565	700	4,050	6,773	6,769	6,772	7,089	7,084
Reserves	5,191	5,564	5,733	5,624	5,133	4,894	4,310	7,227	8,325	8,751	6,263	7,034
Deposits	88,108	91,310	85,591	1,01,881	98,652	89,772	96,275	1,02,198	1,09,876	1,19,577	1,29,974	1,45,940
Borrowings	1,729	2,848	2,965	3,696	2,725	3,227	2,656	2,454	9,048	9,810	14,276	16,402
Other Liabilities	2,383	2,510	1,992	2,177	2,019	2,037	3,383	2,488	2,675	2,936	4,478	2,971
Total Liabilities	97,809	1,02,630	96,681	1,13,943	1,09,093	1,00,629	1,10,674	1,21,140	1,36,693	1,47,845	1,62,079	1,79,430
Fixed Assets	996	1,134	1,095	1,084	1,230	1,242	1,587	1,579	1,520	1,759	1,800	1,864
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	23,949	27,583	27,885	32,950	26,129	24,514	31,994	42,193	44,799	49,558	46,827	49,274
Other Assets	72,865	73,913	67,702	79,911	81,735	74,873	77,093	77,367	90,373	96,529	1,13,453	1,28,292
Cash & equivalents	3,550	3,563	4,104	5,981	4,721	9,174	6,951	5,847	5,892	7,039	8,555	5,950
Total Assets	97,809	1,02,630	96,681	1,13,943	1,09,093	1,00,629	1,10,674	1,21,140	1,36,693	1,47,845	1,62,079	1,79,430

Punjab & Sind Bank cash flow

₹ crore, for each year.

Punjab & Sind 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	−1,974	927	−494	1,060	−96.74	2,202	−5,826	−5,984	1,424	1,741	−2,286	−1,887
Cash from investing activity	−83.93	−37.94	−32.99	−50.91	−60.98	−62.92	−446	−121	−87.87	−229	−168	−241
Cash from financing activity	−38.97	−209	216	1,531	−356	813	5,053	4,066	−1,331	−431	3,896	−387
Net cash flow	−2,109	685	−314	2,551	−515	2,967	−1,242	−2,056	8.02	1,089	1,441	−2,526
Capex	84.90	37.94	32.94	50.97	70.92	63.96	445	121	89.83	229	168	241
Free cash flow	−2,059	889	−528	1,008	−158	2,140	−6,275	−6,099	1,336	1,514	−2,456	−2,127
CFO / OP %	−29.9%	14.1%	−8.9%	28.1%	3.0%	73.1%	−1,110.9%	−141.9%	27.1%	31.1%	−38.9%	−18.9%

Punjab & Sind Bank ratios

Working-capital days and returns, by year.

Punjab & Sind 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 %	2.0%	6.0%	3.0%	−11.9%	−8.9%	−17.9%	−39.0%	9.1%	9.1%	4.0%	7.0%	10.1%

Punjab & Sind Bank: frequently asked questions

What are the latest quarterly results of Punjab & Sind Bank?

For the Jun 2026 quarter, Punjab & Sind Bank reported revenue of ₹3,202 Cr, up 10.4% year on year and net profit of ₹332 Cr, up 23.3% year on year.

What is the annual revenue of Punjab & Sind Bank?

Punjab & Sind Bank's revenue for the year to Mar 2026 were ₹11,948 Cr; over the last twelve months they were ₹12,241 Cr.

What is the net profit of Punjab & Sind Bank?

Net profit for the year to Mar 2026 was ₹1,323 Cr, and ₹1,386 Cr over the last twelve months. Earnings per share over the same trailing period were ₹1.99.

What is the free cash flow of Punjab & Sind Bank?

Cash from operations was −₹1,887 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹2,127 Cr.

Loading…