Punjab & Sind Bank Q4FY26 Net Profit Surges 30.12% YoY to ₹1322 Crore
Punjab & Sind Bank reported a 30.12% YoY increase in net profit to ₹1322 crore for Q4 FY26. Operating profit grew 5.16% YoY to ₹2182 crore. GNPA reduced to 2.40% and NNPA to 0.79%. Total business grew 14.94% to ₹263652 crore.
The announcement contains significant financial results, including substantial profit growth and improvements in key banking metrics like NPAs and business growth, which are highly material for investors and stakeholders.
The bank has reported strong year-on-year growth in net profit and operating profit, along with significant improvements in asset quality (reduction in GNPA and NNPA) and business growth. These financial metrics indicate a positive performance.
Punjab & Sind Bank (PSB) has announced its financial results for the fourth quarter and the financial year ended March 31, 2026. The bank reported a significant year-on-year growth in net profit of 30.12%, increasing from ₹1016 crore in Q4 FY25 to ₹1322 crore in Q4 FY26.
On a quarter-on-quarter basis, the net profit grew by 25.60%, from ₹336 crore to ₹422 crore. The operating profit also saw a year-on-year increase of 5.16%, reaching ₹2182 crore for the full financial year FY26, up from ₹2075 crore in FY25.
The bank demonstrated a notable improvement in asset quality. Gross Non-Performing Assets (GNPA) decreased by 98 basis points year-on-year, from 3.38% to 2.40%. Similarly, Net Non-Performing Assets (NNPA) reduced by 17 basis points, from 0.96% to 0.79%.
Total business for the bank grew by 14.94% year-on-year, standing at ₹263652 crore as of March 31, 2026. Total deposits increased by 12.37%, with retail term deposits showing a robust growth of 19.58%. Total advances grew by 18.29%, driven by a healthy increase in RAM (Retail, Agriculture, MSME) advances, which grew by 26.11%. RAM advances now constitute 58.80% of total advances, an increase of 365 basis points.
Key performance indicators also showed positive trends. Return on Assets (RoA) improved by 12 basis points to 0.79%, and Return on Equity (RoE) increased by 73 basis points to 11.55%. The Cost to Income ratio reduced by 26 basis points to 60.97%, and the Capital to Risk-Weighted Assets Ratio (CRAR) improved slightly to 17.42%.
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 high impact, which is the band that most often changes something.
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.