Punjab & Sind Bank Q1FY27 Net Profit Surges 23.05% to ₹331 Crore
Punjab & Sind Bank reported Q1FY27 results with Net Profit up 23.05% to ₹331 crore and Net Interest Income up 15.33% to ₹1038 crore. Gross NPA decreased to 2.21% and Net NPA to 0.65%. Total Business grew 15.27% to ₹266420 crore, with advances up 19.35%.
The announcement details strong financial performance with substantial growth in profits and key banking metrics, which is highly material for investors and stakeholders.
The bank has reported significant year-on-year growth in net profit and net interest income, alongside improvements in asset quality (reduction in GNPA and NNPA) and key performance ratios like ROA and ROE.
Punjab & Sind Bank (PSB) has announced its reviewed unaudited financial results for the quarter ended June 30, 2026. The bank reported a significant year-on-year growth in Net Profit, which increased by 23.05% to ₹331 crore, up from ₹269 crore in the corresponding quarter of the previous fiscal year.
Net Interest Income also saw a healthy rise of 15.33% on a year-on-year basis, growing from ₹900 crore to ₹1038 crore. The bank's Net Interest Margin (RAM %) improved by 602 basis points, moving from 54.00% to 60.02%. Furthermore, asset quality showed marked improvement, with Gross NPA decreasing by 113 basis points to 2.21% from 3.34%, and Net NPA reducing by 26 basis points to 0.65% from 0.91%. The Provision Coverage Ratio (PCR) increased by 56 basis points to 92.33%.
Total Business registered a growth of 15.27%, reaching ₹266420 crore. Total Deposits grew by 12.16%, with Retail Term Deposits showing a robust increase of 14.94%. Total advances grew by 19.35%, driven by a strong performance in RAM advances (32.66%), Retail advances (36.44%), Agriculture advances (25.85%), and MSME advances (32.71%). Total Income grew by 4.91% to ₹3545 crore. Return on Assets improved by 6 basis points to 0.73%, and Return on Equity improved by 118 basis points to 10.85%. The Cost to Income ratio reduced by 34 basis points to 60.21%, and the Capital Adequacy Ratio stood at a healthy 17.61%.
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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.