Punjab & Sind Bank Reports Audited Financial Results for FY26
Punjab & Sind Bank reported FY26 results with Total Business at ₹2,63,652 Cr (up 14.94% YoY). Net Profit grew 30.12% to ₹1322 Cr. Gross NPA improved to 2.40% and Net NPA to 0.79%. For FY27, the bank targets deposit growth of 13-14% and advances growth of 16-18%, with a focus on reducing NPAs.
The announcement includes comprehensive financial results, improvements in key financial ratios like NPAs and profitability, and clear future guidance, which are material information for investors and significantly impact the bank's valuation and outlook.
The bank reported strong YoY growth in total business, deposits, and advances. Net profit showed a significant increase, and asset quality improved substantially with reduced NPAs. Positive future guidance further supports the positive sentiment.
Punjab & Sind Bank (PSB) has released its audited financial results for the quarter and year ended March 31, 2026. The bank presented an investor presentation detailing key financial highlights, business performance, and future guidance.
Key financial metrics for the year ended March 31, 2026, include a Total Business of ₹2,63,652 Crore, marking a 14.94% year-on-year growth. Total Deposits reached ₹1,45,829 Crore (up 12.37% YoY), and Gross Advances stood at ₹1,17,823 Crore (up 18.29% YoY). The Operating Profit for FY26 was ₹2182 Crore, a 5.16% increase YoY, while Net Profit was ₹1322 Crore, showing a significant 30.12% YoY growth.
The bank has demonstrated substantial improvement in asset quality, with Gross NPA reducing to 2.40% and Net NPA to 0.79% as of March 2026. The Provision Coverage Ratio (PCR) with TWO stands at a robust 90.91%. Capital Adequacy Ratio (CRAR) was reported at 17.42%.
Looking ahead, PSB has provided guidance for FY27, targeting a Deposit Growth of 13-14% and Advances Growth of 16-18%. The bank aims to maintain Gross NPA below 2.0% and Net NPA below 0.65%, with a target PCR of 92-93%. The presentation also highlighted strategic initiatives in digital transformation, network expansion, and strengthening employee engagement.
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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.
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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.