Punjab & Sind Bank has reported steady growth across key business and balance sheet parameters for the quarter ended December 31, 2025, according to provisional figures disclosed in a regulatory filing. The state-run lender demonstrated strong performance with total business reaching ₹2,49,691 crore, marking a quarter-on-quarter growth of 3.49% and a robust year-on-year increase of 11.84%. This performance reflects the bank's continued focus on expanding its market presence and strengthening its position in the competitive banking sector.
Gross advances grew to ₹1,10,488 crore, reflecting a 4.66% quarter-on-quarter increase and an impressive 15.25% year-on-year growth. The higher growth rate in advances compared to deposits suggests active lending strategies and strong credit demand in the market. The credit-deposit ratio improved significantly to 79.37% at the end of December 2025, from 77.79% in the preceding quarter and 75.25% in the corresponding period last year. This improvement indicates enhanced credit deployment efficiency and optimal utilization of deposit resources.
Total deposits rose to ₹1,39,203 crore at the end of December 2025, up 2.58% from the previous quarter and 9.27% higher than the corresponding period last year. The bank's deposit mobilization efforts have yielded positive results, indicating strong customer confidence and effective acquisition strategies. CASA deposits increased to ₹43,182 crore, registering a 4.99% sequential growth and an 8.77% rise on a year-on-year basis. The CASA ratio improved to 31.02% as of December 31, 2025, compared with 30.31% in the preceding quarter.
Shares of Punjab & Sind Bank closed at ₹27.91, up ₹0.22 or 0.79%, reflecting positive market sentiment towards the bank's performance. The provisional business figures were disclosed in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, ensuring transparency and regulatory compliance. The reported performance demonstrates Punjab & Sind Bank's sustained growth trajectory across all core banking operations, with particularly strong momentum in lending activities supporting overall business expansion.
Punjab & Sind Bank has announced an Extraordinary General Meeting (EGM) scheduled for January 21, 2026, to seek shareholder approval for raising equity capital up to ₹3,000.00 crores through Qualified Institutional Placement (QIP). The meeting will be conducted through Video Conferencing at 11:00 AM, with remote e-voting available from January 17-20, 2026. The equity capital raising initiative aims to meet Basel III Capital Regulations requirements, comply with minimum public shareholding norms, and support general lending purposes and business expansion.
