PSB Q1 FY27: Net Profit Jumps 23.05% to ₹331 Crore; Total Business Grows 15.27% YoY
Punjab & Sind Bank reported a Q1 FY27 Net Profit of ₹331 Crore, up 23.05% YoY. Total business grew 15.27% to ₹266420 Crore, with Gross Advances up 19.35% to ₹119290 Crore. Gross NPA improved to 2.21% and Net NPA to 0.65%. CRAR stood at 17.61%.
The positive financial results, including profit growth and improved asset quality, are material information for investors and are likely to impact the bank's stock performance.
The bank reported strong year-on-year growth in net profit, total business, and advances, coupled with significant improvements in asset quality (lower NPAs).
Punjab & Sind Bank (PSB) has announced its Reviewed Unaudited Financial Results for the Quarter ended June 30, 2026. The bank reported a significant increase in Net Profit, which grew by 23.05% year-on-year to ₹331 Crore. The Net Interest Income also saw a healthy rise of 15.33% to ₹1038 Crore.
Total business for the bank reached ₹266420 Crore, marking a 15.27% increase year-on-year. This growth was driven by a 12.16% rise in Total Deposits to ₹147130 Crore and a substantial 19.35% increase in Gross Advances to ₹119290 Crore. CASA deposits grew by 10.20% to ₹44225 Crore, while Retail Term Deposits increased by 14.94% to ₹65764 Crore.
Asset quality showed significant improvement, with Gross NPA falling to 2.21% and Net NPA to 0.65%. The Provision Coverage Ratio (PCR) with TWO stood at a robust 92.33%. The bank's Capital Adequacy Ratio (CRAR) was reported at 17.61% as of June 30, 2026.
PSB also highlighted its digital initiatives, including growth in PSB UniC registrations and digital transactions. The bank has provided guidance for FY'27, targeting deposit growth of 13-14% and advances growth of 16-18%. They aim to maintain Gross NPA below 2.0% and Net NPA below 0.65%.
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See the model portfoliosA plain-language summary of a public exchange filing by Punjab & Sind Bank. Read the original for the full detail.