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Punjab & Sind Bank
SectorFinancial Services
In the news
Punjab & Sind Bank Q2 profit jumps 40% to ₹412 crore
UPI MDR deferment confirmed until January 2027; consumer fees clarified
Punjab & Sind Bank approves $1 billion foreign fundraising
Punjab & Sind Bank Reports Strong Q3 Growth: Advances Up 15.25%
The Quarter story
The two most recent quarterly results, compared side-by-side.
Punjab & Sind Bank drives steady credit and deposit growth while improving asset quality, though rising credit costs warrant attention.
Advances grew from ₹99,950 Cr to ₹1,17,419 Cr from Q1 FY26 to Q1 FY27, reflecting steady credit expansion.
Credit Cost jumped from 0.09% to 0.44% from Q1 FY26 to Q1 FY27, indicating increased provisioning pressure.
GNPA Ratio fell from 3.34% to 2.21% from Q1 FY26 to Q1 FY27, showing consistent asset quality improvement.
CASA Ratio dipped from 30.59% to 30.06% from Q1 FY26 to Q1 FY27, suggesting a slight shift toward higher-cost term deposits.
Total Deposits expanded from ₹1,31,182 Cr to ₹1,47,130 Cr from Q1 FY26 to Q1 FY27, maintaining strong liquidity.
Fresh Slippages rose from ₹203 Cr to ₹207 Cr from Q1 FY26 to Q1 FY27, with a notable spike to ₹355 Cr in Q4 FY26.
Retail Loan Book grew from ₹22,573 Cr to ₹30,799 Cr from Q1 FY26 to Q1 FY27, driving portfolio diversification.
CRAR strengthened from 17.19% to 17.61% from Q2 FY26 to Q1 FY27, ensuring robust regulatory capital buffers.