Punjab & Sind Bank share price
NSE: PSBBSE: 533295BanksSmall Cap
Share price at the NSE close on 29 Oct 2026. Previous close ₹18.72.
29 Oct: open ₹18.79, high ₹19.15, low ₹18.62
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹13,467 Cr371st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 8.97
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.93
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 2.05%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 10.7%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 2.46%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026.
- 2.09%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026.
- 0.61%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. Common equity tier 1 ratio in the glossary
- 15.49%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 0.78%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 14,13,05335.5% delivered
About Punjab & Sind Bank
Punjab & Sind Bank is a public sector bank headquartered in New Delhi and regulated by the Reserve Bank of India.123 It takes deposits and lends to individuals, farmers, small businesses and companies through branches, ATMs, business correspondents (agents who offer basic banking where there is no branch) and digital channels across India.456
Its digital lending covers MSME, self-help group, PM Vishwakarma, PM SVANidhi, commercial vehicle, education, personal and housing loans.7 Its named products include the PSB UniC mobile banking app, PSB eVahan loans for electric vehicles, PSB Sour Urja solar financing and the Green Earth Deposit Scheme.8910
The bank was established in 1908 and nationalised in 1980, and is a body corporate under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, not a company.113 The Government of India held 93.85% of its shares at the end of Sep 2026 and LIC 1.33%.12 The bank has no subsidiaries and no overseas branch.1314
Punjab & Sind Bank key points
Results
- In the quarter to Sep 2026, net interest income (interest earned on loans and investments less interest paid on deposits and borrowings) rose 22.32% to ₹1,162 crore and net profit rose 39.66% to ₹412 crore.15
- In the year to Mar 2026, total income was ₹13,759.30 crore, operating profit (profit before provisions and tax) ₹2,182 crore and net profit ₹1,322 crore, up 30.12% from ₹1,016 crore.1617
- In the quarter to Sep 2026, net interest margin (net interest income as a share of interest-earning assets) was 2.77%, return on assets 0.88% and return on equity 13.21%.18
- At the end of Sep 2026, capital adequacy (capital as a share of risk-weighted assets) was 16.55%, with a CET-1 ratio (the highest-quality capital alone) of 15.49%.19
Business segments
Loan book and deposits
- At the end of Sep 2026, total business (deposits plus advances) was ₹2,79,231 crore, up 15.73%; deposits were ₹1,53,312 crore, up 12.97%, and gross advances ₹1,25,919 crore, up 19.28%.22
- Current and savings account deposits (CASA, on which the bank pays little or no interest) were ₹44,207 crore at the end of Sep 2026, up 7.48%, and 28.83% of deposits.2324
- Gross advances by sector, ₹ crore2526Retail, agriculture and MSME loans together were 61.37% of advances at the end of Sep 2026.
Item Sep 2026 Sep 2025 Corporate 48,643 46,614 Retail 33,478 23,458 MSME (micro, small and medium enterprises) 26,583 20,656 Agriculture 17,215 14,839 - Within retail loans at the end of Sep 2026, home loans were ₹13,584 crore, vehicle loans ₹4,356 crore and personal loans ₹1,199 crore.27
Asset quality
- At the end of Sep 2026, gross non-performing assets (NPAs, loans that have stopped being repaid) were 2.09% of advances and net NPAs (after provisions) 0.61%; provisions, including on written-off loans, covered 92.48% of bad loans.2829
- Gross NPAs as a share of each sector's advances3031
Item Sep 2026 Sep 2025 Agriculture 7.14% 8.20% MSME 3.30% 6.31% Retail 0.89% 1.45% Corporate 0.48% 0.48% - As of its earnings call of 19 Oct 2026, the bank held about ₹7,344 crore of technically written-off loans (bad loans removed from the books but still pursued) and had recovered ₹247.88 crore from them so far in the year.32
Branches and reach
- At the end of Sep 2026, the bank had 1,694 branches, 1,212 ATMs and 3,405 business correspondents, covering 417 districts.33
- Branches by region34Of these, 590 branches were rural, 348 semi-urban, 425 urban and 331 metro.
Item Sep 2026 Northern 962 Central 390 Eastern 122 Western 92 Southern 89 North-eastern 39 - Digital channels accounted for 94.92% of the bank's transactions in the quarter to Sep 2026.35
- On its earnings call of 19 Oct 2026, the company said it offers 12 loan products through a single QR code, and that over 50% of its vehicle loans and over 40% of its housing loans come through digital journeys.36
What the company expects
- On its earnings call of 19 Oct 2026, the company said it expects deposits to grow 13% to 14% in the year to Mar 2027 and gross NPAs to fall below 2% by the end of Mar 2027.3738
- On its earnings call of 19 Oct 2026, the company said it aims to raise the share of retail, agriculture and MSME loans to 65% of advances by Mar 2027 and around 70% by Mar 2028.39
- On its earnings call of 19 Oct 2026, the company said it aims for total business of ₹3 lakh crore by the end of Mar 2027 and ₹4 lakh crore by Mar 2029.40
- On its earnings call of 19 Oct 2026, the company said it has approvals to raise capital, has appointed merchant bankers and is looking mainly at a qualified institutional placement (a share sale to institutional investors).41
Recent events
- On 6 Oct 2026, India Ratings reaffirmed its IND AA/Stable rating on the bank's ₹3,000 crore of infrastructure bonds (long-term bonds that fund infrastructure lending).42
- On 5 Oct 2026, Fitch Ratings assigned the bank a new long-term issuer default rating (an agency's view of how likely it is to repay its debts) of BBB- with a Stable outlook.43
- On 9 Sep 2026, CRISIL reaffirmed its AA/Stable rating on the bank's infrastructure bonds and on its Tier II bonds (bonds that count as bank capital) Series XIV and XVI, of ₹500 crore each.44
- On 7 Jul 2026, the International Financial Services Centres Authority licensed the bank to set up an IFSC banking unit (a branch for offshore business) at GIFT City, Gandhinagar, after Reserve Bank of India permission.45
Last updated
All 45 sources, each with its page
- 1. Annual report, 6 Jul 2026, page 20
- 2. Annual report, 6 Jul 2026, page 1
- 3. Annual report, 6 Jul 2026, page 254
- 4. Annual report, 6 Jul 2026, page 235
- 5. Annual report, 6 Jul 2026, page 234
- 6. Annual report, 6 Jul 2026, page 243
- 7. Annual report, 6 Jul 2026, page 237
- 8. Investor presentation, 17 Oct 2026, page 35
- 9. Investor presentation, 17 Oct 2026, page 34
- 10. Annual report, 6 Jul 2026, page 240
- 11. Exchange filing, 22 Aug 2026, page 5
- 12. Investor presentation, 17 Oct 2026, page 30
- 13. Annual report, 6 Jul 2026, page 293
- 14. Annual report, 6 Jul 2026, page 411
- 15. Investor presentation, 17 Oct 2026, page 5
- 16. Annual report, 6 Jul 2026, page 7
- 17. Annual report, 6 Jul 2026, page 234
- 18. Earnings call, 19 Oct 2026, page 4
- 19. Earnings call, 19 Oct 2026, page 4
- 20. Annual report, 6 Jul 2026, page 410
- 21. Annual report, 6 Jul 2026, page 411
- 22. Earnings call, 19 Oct 2026, page 3
- 23. Investor presentation, 17 Oct 2026, page 4
- 24. Earnings call, 19 Oct 2026, page 3
- 25. Investor presentation, 17 Oct 2026, page 10
- 26. Investor presentation, 17 Oct 2026, page 10
- 27. Investor presentation, 17 Oct 2026, page 10
- 28. Earnings call, 19 Oct 2026, page 4
- 29. Investor presentation, 17 Oct 2026, page 6
- 30. Investor presentation, 17 Oct 2026, page 25
- 31. Investor presentation, 17 Oct 2026, page 25
- 32. Earnings call, 19 Oct 2026, page 11
- 33. Investor presentation, 17 Oct 2026, page 31
- 34. Investor presentation, 17 Oct 2026, page 31
- 35. Investor presentation, 17 Oct 2026, page 36
- 36. Earnings call, 19 Oct 2026, page 5
- 37. Earnings call, 19 Oct 2026, page 3
- 38. Earnings call, 19 Oct 2026, page 4
- 39. Earnings call, 19 Oct 2026, page 10
- 40. Earnings call, 19 Oct 2026, page 7
- 41. Earnings call, 19 Oct 2026, page 10
- 42. Exchange filing, 6 Oct 2026, page 1
- 43. Exchange filing, 5 Oct 2026, page 1
- 44. Exchange filing, 10 Sep 2026, page 1
- 45. Exchange filing, 8 Jul 2026, page 1
Results
Standalone; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.Punjab & Sind Bank quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +3.2%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +29.6%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹3,747 Crup 5.66%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹412 Crup 24.27%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 3,269 | 3,836 | 3,379 | 3,373 | 3,549 | 3,457 | 3,546 | 3,747 |
| Net profit | 282 | 313 | 269 | 295 | 336 | 422 | 332 | 412 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹13,759 Crup 5.44%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹1,322 Crup 30.13%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 8,751 | 8,530 | 9,387 | 8,827 | 7,877 | 8,055 | 8,933 | 10,915 | 13,049 | 13,759 |
| Net profit | 201 | −744 | −543 | −991 | −2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,322 |
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- Retail BankingRetail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹5,952 Crup 14.58%43.3%
- Corporate/Wholesale BankingCorporate/Wholesale Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹4,171 Crdown 1.27%30.3%
- TreasuryTreasury, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹3,600 Crup 0.01%26.2%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹36 Cr0.3%
Valuation
Today, against the company's own history.Punjab & Sind Bank PE ratio and valuation
At or below today's level on 5% of 1,172 trading days over the last 5 years.
At or below today's level on 43% of 1,789 trading days since Nov 2018.
At or below today's level on 92% of 2,461 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −50.7% | +24.0% | −61.8% | 1.9% |
| 3 years | −6.2% | −1.4% | −5.6% | 0.8% |
| 5 years | +4.5% | – | – | 1.3% |
Mutual fund holdings
9 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 9 of the 9 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.
- AddedAdded. Funds that held more shares than at the end of the month before.
- 5
- CutCut. Funds that held fewer shares than at the end of the month before.
- 4
| Fund | |||
|---|---|---|---|
| 50,17,895 | 0.27% | ₹10.7 Cr | |
| 31,79,536 | 0.27% | ₹6.78 Cr | |
| 18,30,342 | 0.27% | ₹3.90 Cr | |
| 1,51,425 | 0.27% | ₹0.32 Cr | |
| 70,336 | 0.27% | ₹0.15 Cr | |
| 57,885 | 0.27% | ₹0.12 Cr | |
| 7,668 | 0.27% | ₹0.02 Cr | |
| 6,939 | 0.27% | ₹0.01 Cr | |
| 1,254 | – | ₹27,000 |
Punjab & Sind Bank competitors and peers
Public Sector Bank, 12 listed companies, priced on 29 Oct 2026. The table lists the 8 companies closest to Punjab & Sind Bank in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1,24,790 | – | 0.75 | +2.7% | – | – | 0.98% | 2.83% | 3.52% | |
| 1,16,391 | 8.81 | 1.34 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.11% | |
| 1,08,657 | 5.33 | 0.85 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.51% | |
| 62,302 | 7.78 | 1.67 | +16.6% | +31.5% | 23.3% | 1.76% | 3.83% | 2.72% | |
| 61,780 | 4.94 | 0.66 | +9.1% | +29.7% | 14.1% | 0.92% | 2.47% | 3.43% | |
| 56,326 | 8.45 | 1.40 | +14.2% | +51.3% | 17.9% | 1.25% | 3.17% | 0.00% | |
| 27,800 | 9.32 | 0.80 | +4.4% | +18.4% | 8.9% | 0.73% | 2.89% | 1.98% | |
| 26,448 | 5.49 | 0.64 | +8.3% | +5.2% | 12.0% | 0.88% | 2.99% | 2.74% |
Dividends
Per share, by the year it was paid for, and the latest payments.Punjab & Sind Bank dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 21 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹0.39 |
| 29 Jul 2025 | Final | ₹0.07 |
| 16 Jul 2024 | Final | ₹0.20 |
| 4 Jul 2023 | Final | ₹0.48 |
| 4 Jul 2022 | Final | ₹0.31 |
| 20 Jun 2016 | Final | ₹1.65 |
Latest announcements
Routine notices left out.Punjab & Sind Bank announcements
Oct 2026
17 Oct · Results
14 Oct · Analysts
14 Oct · Board meeting
Punjab & Sind Bank share price by year
Each calendar year to 2025.Punjab & Sind Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 27.69 | −42.5% | 49.83 | 25.55 |
| 2024 | 48.15 | +11.6% | 75.15 | 42.75 |
| 2023 | 43.15 | +27.9% | 50.15 | 23.70 |
| 2022 | 33.75 | +109.6% | 42.85 | 13.25 |
| 2021 | 16.10 | +21.1% | 21.85 | 12.95 |
| 2020 | 13.30 | −36.7% | 22.70 | 10.45 |
| 2019 | 21.00 | −36.2% | 33.75 | 16.85 |
| 2018 | 32.90 | −32.9% | 50.10 | 25.35 |
| 2017 | 49.00 | +4.5% | 69.35 | 45.00 |
| 2016 | 46.90 | +20.7% | 56.35 | 31.85 |
Recent sessions
The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 28 Oct 2026 | 19.46 | 19.46 | 18.29 | 18.72 | 18.75 | 54,21,643 | 38.1% |
| 27 Oct 2026 | 19.05 | 19.84 | 18.92 | 19.60 | 19.34 | 43,96,936 | 39.2% |
| 26 Oct 2026 | 18.30 | 19.25 | 18.04 | 19.05 | 18.67 | 36,40,683 | 31.9% |
| 23 Oct 2026 | 20.37 | 20.39 | 18.00 | 18.21 | 18.72 | 76,58,883 | 47.8% |
| 22 Oct 2026 | 20.66 | 20.71 | 20.31 | 20.35 | 20.43 | 10,64,189 | 42.0% |
| 21 Oct 2026 | 21.20 | 21.27 | 20.68 | 20.83 | 20.90 | 19,22,129 | 37.3% |
| 19 Oct 2026 | 22.16 | 22.49 | 21.06 | 21.27 | 21.77 | 89,20,665 | 17.0% |
| 16 Oct 2026 | 21.32 | 21.45 | 21.02 | 21.29 | 21.21 | 10,62,094 | 41.3% |
| 15 Oct 2026 | 21.70 | 21.74 | 21.15 | 21.24 | 21.39 | 10,53,841 | 51.9% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 1 Apr 2025 | Price move | – | Between two trading sessions the price moved by a fifth or more. The company made an announcement in time for trading that day or the trading day before. Not adjusted for. |
Company details
- NSE symbol
- PSB
- BSE code
- 533295
- ISIN
- INE608A01012
- Industry
- Banks
- Website
- www.psbindia.com
- Registered office
- 21, Bank House, Rajendra Place, New Delhi, 110008
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments