Punjab & Sind Bank (PSB) — Financial Results | 6 May 2026

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Punjab & Sind Bank reported a 30.1% YoY jump in net profit to ₹1322 crores for Q4 FY26, driven by 18.3% advance growth and 12.4% deposit expansion. Core fee income rose 22% to ₹759 crores, while net interest margin held at 2.55%. Gross NPA declined to 2.4% and net NPA to 0.79%, with slippages increasing to ₹355 crores from ₹168 crores. Management projects NIM to improve to 2.65%-2.70% by year-end amid higher-yielding retail and MSME growth, supported by a ₹18,000 crore pipeline and 100% organic gold loan growth. Capital adequacy remains strong, absorbing potential losses of ₹600-800 crores. The bank targets ₹3 lakh crores by FY25 and ₹4 lakh crores by FY29, with 200 new branches planned and digital initiatives like UnIC 2.0 and CRM automation enhancing efficiency.

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About Punjab & Sind Bank (PSB)

Financial Services · Banks · Listed on NSE

Market Cap: ₹16,795.25 Cr P/E: 12.7

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