Punjab & Sind Bank Reports Strong Financial Results for Q4 and Year Ended March 31, 2026
Punjab & Sind Bank, a Government of India Undertaking, announced its financial results for the quarter and year ended March 31, 2026. The bank reported significant year-on-year growth in net profit, coupled with solid growth across its key business segments and improvements in asset quality metrics.The bank recorded a Net Profit that grew by 30.12% on a year-on-year basis, climbing from ₹1016 Cr. to ₹1322 Cr. Quarter-on-quarter, the net profit increased by 25.60%, moving from ₹336 Cr. to ₹422 Cr.
On the operating front, Operating Profit saw a year-on-year increase of 5.16%, rising from ₹2075 Cr. to ₹2182 Cr. Key financial ratios also saw improvements, with the Risk Adjusted Margin (RAM) increasing by 365 basis points (bps) from 55.15% to 58.80%.
In terms of asset quality, the bank managed to decrease its Gross NPA on a year-on-year basis by 98 bps, bringing the figure down from 3.38% to 2.40%. Furthermore, Net NPA on a year-on-year basis was reduced by 17 bps, falling from 0.96% to 0.79%.
Business Growth Highlights
The bank reported robust growth in its overall business and deposit mobilization. Total Business registered a growth of 14.94% on a year-on-year basis, reaching ₹ 263652 Cr. Total Deposits expanded by 12.37%, while Retail Term Deposits showed particularly strong growth of 19.58%.Total advances grew by 18.29%. Among the advances, Retail advances registered a growth of 24.59%, Agriculture advances grew by 23.44%, and MSME advances saw a substantial growth of 29.70%.
Profitability measures also improved across the board. Total Income grew by 5.45% and stood at ₹ 13760 cr. Notably, Non-Interest income grew by 13.47%, amounting to ₹ 1778 cr. Return on Assets (RoA) improved by 12 bps, reaching 0.79%. The Cost to Income ratio decreased by 26 bps, settling at 60.97%.
Financial and Business Performance Data
The following tables summarize the key business and financial highlights for the quarter ended 31st March 2026 and the year ended 31st March 2026.Business Highlights for Quarter ended 31st March 2026 (in Cr.)
| Metric | Q4FY25 | Q4FY26 | Year-over-Year (%) |
|---|---|---|---|
| Total Business | 229379 | 263652 | 14.94% |
| Total Deposit | 129774 | 145829 | 12.37% |
| Retail Term Deposits | 54397 | 65047 | 19.58% |
| Total Advances | 99605 | 117823 | 18.29% |
| RAM Advances | 54932 | 69276 | 26.11% |
| RAM (%) | 55.15 | 58.8 | 365 bps |
| GNPA (₹ in Crores) | 3370 | 2831 | (15.99%) |
| GNPA (%) | 3.38 | 2.4 | (98) bps |
| NNPA (₹ in Crores) | 937 | 919 | (1.92%) |
| NNPA (%) | 0.96 | 0.79 | (17) bps |
Business Highlights for Year ended 31st March 2026
| Metric | FY25 | FY26 | Year-over-Year (%) |
|---|---|---|---|
| Operating Profit | 2075 | 2182 | 5.16% |
| Net Profit | 1016 | 1322 | 30.12% |
| Cost to Income Ratio | 61.23 | 60.97 | (26) bps |
| RoA | 0.67 | 0.79 | 12 bps |
| RoE | 10.82 | 11.55 | 73 bps |
PSB Stock Price Movement
Today, Punjab & Sind Bank shares edged higher, closing at ₹25.70 and rallying 3.02% from yesterday's close. The stock rallied throughout the day, hitting a high of ₹25.83, while settling on significant trading volume of 2.16 million shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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