Punjab & Sind Bank logo

Punjab & Sind Bank share price

NSE: PSBBSE: 533295BanksSmall Cap

Face value ₹10 · Listed Dec 2010
Last close ₹18.98up ₹0.26 (1.39%)BSE ₹19.03

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

52-week range of traded prices to 29 Oct 2026
₹18.00Low, 23 Oct 2026₹32.46High, 31 Oct 2025
Market cap
₹13,467 Cr371st largest listed
P/E
8.97
P/B
0.93
Dividend yield
2.05%
ROE
10.7%
NIM
2.46%
Gross NPA
2.09%
Net NPA
0.61%
CET1
15.49%
ROA
0.78%
Volume, NSE
14,13,05335.5% delivered

Punjab & Sind Bank share price chart

Daily closes since Dec 2010, adjusted for splits and bonuses

−39.8%over a year · Nifty PSU Bank +2.8% · Nifty 500 −8.4%

Results20-session average 22,86,417 shares a day, 40.1% 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

  • Revenue by business segment, ₹ crore2021
    Itemyear to Mar 2026year to Mar 2025
    Retail banking, including digital banking5,952.115,194.84
    Corporate and wholesale banking4,171.064,224.70
    Treasury (the bank's own investments)3,599.783,599.53
    Other banking operations36.3529.88

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, ₹ crore2526
    ItemSep 2026Sep 2025
    Corporate48,64346,614
    Retail33,47823,458
    MSME (micro, small and medium enterprises)26,58320,656
    Agriculture17,21514,839
    Retail, agriculture and MSME loans together were 61.37% of advances at the end of Sep 2026.
  • 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
    ItemSep 2026Sep 2025
    Agriculture7.14%8.20%
    MSME3.30%6.31%
    Retail0.89%1.45%
    Corporate0.48%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 region34
    ItemSep 2026
    Northern962
    Central390
    Eastern122
    Western92
    Southern89
    North-eastern39
    Of these, 590 branches were rural, 348 semi-urban, 425 urban and 331 metro.
  • 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. 1. Annual report, 6 Jul 2026, page 20
  2. 2. Annual report, 6 Jul 2026, page 1
  3. 3. Annual report, 6 Jul 2026, page 254
  4. 4. Annual report, 6 Jul 2026, page 235
  5. 5. Annual report, 6 Jul 2026, page 234
  6. 6. Annual report, 6 Jul 2026, page 243
  7. 7. Annual report, 6 Jul 2026, page 237
  8. 8. Investor presentation, 17 Oct 2026, page 35
  9. 9. Investor presentation, 17 Oct 2026, page 34
  10. 10. Annual report, 6 Jul 2026, page 240
  11. 11. Exchange filing, 22 Aug 2026, page 5
  12. 12. Investor presentation, 17 Oct 2026, page 30
  13. 13. Annual report, 6 Jul 2026, page 293
  14. 14. Annual report, 6 Jul 2026, page 411
  15. 15. Investor presentation, 17 Oct 2026, page 5
  16. 16. Annual report, 6 Jul 2026, page 7
  17. 17. Annual report, 6 Jul 2026, page 234
  18. 18. Earnings call, 19 Oct 2026, page 4
  19. 19. Earnings call, 19 Oct 2026, page 4
  20. 20. Annual report, 6 Jul 2026, page 410
  21. 21. Annual report, 6 Jul 2026, page 411
  22. 22. Earnings call, 19 Oct 2026, page 3
  23. 23. Investor presentation, 17 Oct 2026, page 4
  24. 24. Earnings call, 19 Oct 2026, page 3
  25. 25. Investor presentation, 17 Oct 2026, page 10
  26. 26. Investor presentation, 17 Oct 2026, page 10
  27. 27. Investor presentation, 17 Oct 2026, page 10
  28. 28. Earnings call, 19 Oct 2026, page 4
  29. 29. Investor presentation, 17 Oct 2026, page 6
  30. 30. Investor presentation, 17 Oct 2026, page 25
  31. 31. Investor presentation, 17 Oct 2026, page 25
  32. 32. Earnings call, 19 Oct 2026, page 11
  33. 33. Investor presentation, 17 Oct 2026, page 31
  34. 34. Investor presentation, 17 Oct 2026, page 31
  35. 35. Investor presentation, 17 Oct 2026, page 36
  36. 36. Earnings call, 19 Oct 2026, page 5
  37. 37. Earnings call, 19 Oct 2026, page 3
  38. 38. Earnings call, 19 Oct 2026, page 4
  39. 39. Earnings call, 19 Oct 2026, page 10
  40. 40. Earnings call, 19 Oct 2026, page 7
  41. 41. Earnings call, 19 Oct 2026, page 10
  42. 42. Exchange filing, 6 Oct 2026, page 1
  43. 43. Exchange filing, 5 Oct 2026, page 1
  44. 44. Exchange filing, 10 Sep 2026, page 1
  45. 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 months
+3.2%
Net profit growth, 12 months
+29.6%

Quarter to Sep 2026, against the quarter before

Total income
₹3,747 Crup 5.66%
Net profit
₹412 Crup 24.27%

Total income by quarter

₹3,269 CrDec 24₹3,836 CrMar 25₹3,379 CrJun 25₹3,373 CrSep 25₹3,549 CrDec 25₹3,457 CrMar 26₹3,546 CrJun 26₹3,747 CrSep 26
Peak total income ₹3,836 Cr, quarter to Mar 2025; lowest ₹3,269 Cr, quarter to Dec 2024

Net profit by quarter, a loss in red

₹282 CrDec 24₹313 CrMar 25₹269 CrJun 25₹295 CrSep 25₹336 CrDec 25₹422 CrMar 26₹332 CrJun 26₹412 CrSep 26
₹ croreDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Total income3,2693,8363,3793,3733,5493,4573,5463,747
Net profit282313269295336422332412
Standalone. The last eight quarters. The latest is shaded.

Business segments

Share of revenue, year to Mar 2026, standalone.Segment revenue and profit

  • Retail Banking₹5,952 Crup 14.58%43.3%
  • Corporate/Wholesale Banking₹4,171 Crdown 1.27%30.3%
  • Treasury₹3,600 Crup 0.01%26.2%
  • Other Banking Operations₹36 Cr0.3%
The pill is the change in revenue on the year before; the share is of all the businesses together.

Valuation

Today, against the company's own history.Punjab & Sind Bank PE ratio and valuation

Price to earnings

At or below today's level on 5% of 1,172 trading days over the last 5 years.

LowestHighest
Its median18.41Industry median7.13
Price to book

At or below today's level on 43% of 1,789 trading days since Nov 2018.

LowestHighest
Its median1.19Industry median0.88
Dividend yield

At or below today's level on 92% of 2,461 trading days over the last 10 years.

LowestHighest
Its median0.00%Industry median2.70%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend 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%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth and the change in P/E are left empty where earnings per share at either end of the window was a loss or is not on record. Earnings growth over 5 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.Punjab & Sind Bank shareholding pattern

Shareholding by group

  • Promoters93.85%
  • Foreign institutions0.12%
  • Indian institutions3.79%
  • Individuals and others2.24%
Holder
President of IndiaPromoter93.85%
LIFE INSURANCE CORPORATION OF INDIAInsurance companies1.33%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters unchanged, foreign institutions −0.02 pts, Indian institutions −0.02 pts, mutual funds +0.02 pts.

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.

Added
5
Cut
4
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

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

Return on equity across, P/E up, size is market cap
Company
Bank of Baroda logoBank of BarodaBANKBARODA1,24,790–0.75+2.7%––0.98%2.83%3.52%
Indian Bank logoIndian BankINDIANB1,16,3918.811.34+12.4%+17.2%16.1%1.25%3.07%2.11%
Canara Bank logoCanara BankCANBK1,08,6575.330.85−6.8%+17.7%16.8%0.99%2.21%3.51%
Bank of Maharashtra logoBank of MaharashtraMAHABANK62,3027.781.67+16.6%+31.5%23.3%1.76%3.83%2.72%
Bank of India logoBank of IndiaBANKINDIA61,7804.940.66+9.1%+29.7%14.1%0.92%2.47%3.43%
Indian Overseas Bank logoIndian Overseas BankIOB56,3268.451.40+14.2%+51.3%17.9%1.25%3.17%0.00%
UCO Bank logoUCO BankUCOBANK27,8009.320.80+4.4%+18.4%8.9%0.73%2.89%1.98%
Central Bank of India logoCentral Bank of IndiaCENTRALBK26,4485.490.64+8.3%+5.2%12.0%0.88%2.99%2.74%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

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

Mar 17Mar 18Mar 19Mar 20Mar 210.3Mar 220.5Mar 230.2Mar 240.1Mar 250.4Mar 26
Highest ₹0.48 a share, year to Mar 2023.
Ex-dateTypePer share
21 Jul 2026Final₹0.39
29 Jul 2025Final₹0.07
16 Jul 2024Final₹0.20
4 Jul 2023Final₹0.48
4 Jul 2022Final₹0.31
20 Jun 2016Final₹1.65
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.Punjab & Sind Bank announcements

Punjab & Sind Bank share price by year

Each calendar year to 2025.Punjab & Sind Bank share price history

YearClose at year endChangeHighest closeLowest close
202527.69−42.5%49.8325.55
202448.15+11.6%75.1542.75
202343.15+27.9%50.1523.70
202233.75+109.6%42.8513.25
202116.10+21.1%21.8512.95
202013.30−36.7%22.7010.45
201921.00−36.2%33.7516.85
201832.90−32.9%50.1025.35
201749.00+4.5%69.3545.00
201646.90+20.7%56.3531.85
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.

Recent sessions

The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
28 Oct 202619.4619.4618.2918.7218.7554,21,64338.1%
27 Oct 202619.0519.8418.9219.6019.3443,96,93639.2%
26 Oct 202618.3019.2518.0419.0518.6736,40,68331.9%
23 Oct 202620.3720.3918.0018.2118.7276,58,88347.8%
22 Oct 202620.6620.7120.3120.3520.4310,64,18942.0%
21 Oct 202621.2021.2720.6820.8320.9019,22,12937.3%
19 Oct 202622.1622.4921.0621.2721.7789,20,66517.0%
16 Oct 202621.3221.4521.0221.2921.2110,62,09441.3%
15 Oct 202621.7021.7421.1521.2421.3910,53,84151.9%
Prices in ₹ per share as traded, not adjusted.

Price adjustments

What the price chart is corrected for, so it reads as one share held throughout.

Ex-dateEventPrice factorWhat happened
1 Apr 2025Price 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.
Each event is noted and not adjusted for.

Company details

Chairperson and managing director and CEO
Swarup Kumar Saha
At the end of the quarter to Sep 2026
NSE symbol
PSB
BSE code
533295
ISIN
INE608A01012
Industry
Banks
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