Punjab & Sind Bank Sep'26 investor presentation: net profit up 39.66% to ₹412 crore, advances up 19.28%
Total business up 15.73% to ₹279231 crore; gross advances up 19.28%, net profit up 39.66% to ₹412 crore YoY.
By ScoutQuest · · 1 min read
- Total Business
- up 15.73% YoY to ₹279231 crore
- Net Profit
- up 39.66% to ₹412 crore
- Gross Advances
- up 19.28% to ₹125919 crore
- Period
- Sep'26
- Positioning
- A Government of India undertaking with total business of ₹279231 crore, a loan book tilted 61.37% towards retail, agriculture and MSME.
📈 Total business rose 15.73% YoY to ₹279231 crore at Sep'26, with deposits up 12.97% to ₹153312 crore and gross advances up 19.28% to ₹125919 crore. Net profit rose 39.66% to ₹412 crore, operating profit 22.38% to ₹618 crore, and NII 22.32% to ₹1162 crore; NIM improved 17 bps to 2.77%.
📌 Growth was led by RAM lending, up 31.08% to ₹77276 crore, with retail up 42.71%; gold loans rose to ₹9804 crore from ₹1378 crore. Corporate grew only 4.35%. CASA ratio slipped to 28.83% from 30.31%, as term deposits grew faster than CASA.
🎯 Management's FY'27 guidance targets deposit growth of 13-14%, advances growth of 16-18%, gross NPA under 2.0%, net NPA under 0.65%, PCR of 92-93% and recovery above Rs.1000 crore. The presentation marks deposit growth, gross NPA (2.09%) and recovery (622 crore) as not yet achieved.
📌 The company says digital adoption is rising, citing 21% growth in UPI users, 22% in UPI transactions and new UniC features such as e-overdraft and cardless cash withdrawal.
Also from Punjab & Sind Bank
Punjab & Sind Bank provides audio recording link of Q2/H1 FY2026 analyst meet held October 19, 2026
19 Oct 2026
Board approved Reviewed / Unaudited Results for Q2 and half year ended September 30, 2026
17 Oct 2026
Punjab & Sind Bank to host earnings call with analysts & investors on October 19, 2026 for Q2 FY2026-27 results
14 Oct 2026
More numbers
- Total business, Sep'26₹ 279231 Crore
- Total deposits, Sep'26₹ 153312 Crore
- Gross advances, Sep'26₹ 125919 Crore
- Gross advances growth YoY, Sep'2619.28%
- Net profit, Sep'26₹ 412 Crore
- Net profit growth YoY39.66%
- Operating profit, Sep'26₹ 618 Crore
- Net interest income, Sep'26₹ 1162 Crore
- Net interest margin, Sep'262.77%
- CASA ratio, Sep'2628.83
- RAM share of advances, Sep'2661.37
- Gross NPA, Sep'262.09%
- Net NPA, Sep'260.61%
- Provision coverage ratio, Sep'2692.48%
Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.