Punjab & Sind Bank Q3 FY26: Deposits Grow 9.27% to ₹1.39 Lakh Crore, Advances Up 15.05% to ₹1.10 Lakh Crore
Punjab & Sind Bank's Q3 FY26 results show total business growth of 11.75% YoY to ₹2.49 Lakh Crore. Deposits increased by 9.27% to ₹1.39 Lakh Crore, and advances grew by 15.05% to ₹1.10 Lakh Crore. Gross NPA improved to 2.60% and Net NPA to 0.74%. Operating profit rose 22.73% YoY.
The results show positive growth trends and asset quality improvements, which are generally favorable for a bank. However, the decline in net profit and net interest income, coupled with a decrease in core fee income, prevents a 'HIGH' impact. The overall performance indicates a steady, positive trajectory.
The bank demonstrated strong growth in total business, deposits, and advances, along with significant improvements in asset quality (reduced NPAs) and a healthy capital adequacy ratio. These positive financial and operational indicators contribute to a positive sentiment.
Punjab & Sind Bank (PSB) has announced its reviewed unaudited financial results for the third quarter and nine months ended December 31, 2025. The bank reported a total business of ₹2,49,499 Crore as of December 2025, marking a year-on-year growth of 11.75%.
Total deposits reached ₹1,39,202 Crore, an increase of 9.27% YoY, while gross advances stood at ₹1,10,297 Crore, a substantial rise of 15.05% YoY. CASA deposits grew by 8.78% to ₹43,187 Crore, and retail term deposits saw a significant jump of 18.34% to ₹63,190 Crore.
Operating profit for Q3 FY26 was ₹594 Crore, up 22.73% YoY, though net profit saw a decline of 19.15% to ₹336 Crore. Net interest income decreased by 5.01% to ₹986 Crore, and core fee income fell by 28.97% to ₹187 Crore.
The bank has shown significant improvement in asset quality, with Gross NPA reducing to 2.60% and Net NPA to 0.74% as of December 2025. The Provision Coverage Ratio (PCR) with TWO stood at 92.23%.
PSB's Capital Adequacy Ratio (CRAR) was reported at 16.83% as of December 2025. The bank also highlighted its strategic initiatives, including digital product launches, ESG initiatives, and collaborations with government entities and other organizations to expand its reach and services.
What to do with a filing like this
Punjab & Sind Bank filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Punjab & Sind Bank. Read the original for the full detail.