down arrow

Pun. & Sind Bank

  • Market Cap: Small Cap
  • Industry: Public Sector Bank
  • ISIN: INE608A01012
  • NSEID: PSB
  • BSEID: 533295
  • View on NSE | View on BSE
INR
25.06
-1.01 (-3.87%)
BSENSE

May 08

BSE+NSE Vol: 52.74 lacs

Access older stock analysis version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Interest Earned
11,981.50
11,481.30
9,693.98
7,992.73
7,095.81
6,973.91
7,929.53
Income On Investments
3,308.60
3,224.91
2,656.03
2,359.34
2,094.66
1,873.67
1,990.49
Interest On Balances With Rbi Other Inter Bank Funds
16.03
17.03
22.03
30.71
118.43
114.06
37.48
Interest / Discount On Advances / Bills
8,580.59
8,157.74
6,951.24
5,502.44
4,778.41
4,865.45
5,773.83
Others
76.28
81.62
64.68
100.24
104.31
120.73
127.73
Other Income
1,777.80
1,567.65
1,221.47
939.96
959.38
903.62
897.39
Total Income
13,759.30
13,048.95
10,915.45
8,932.69
8,055.19
7,877.53
8,826.92
Interest Expended
8,170.09
7,697.64
6,852.94
5,019.35
4,444.50
4,712.00
5,871.98
Net Interest Income
3,811.41
3,783.66
2,841.04
2,973.38
2,651.31
2,261.91
2,057.55
Total Expenditure (Excl Depreciation)
3,407.47
3,276.39
2,931.57
2,463.40
2,280.60
2,393.50
1,858.03
Employee Cost
2,069.35
2,088.49
1,944.20
1,544.42
1,478.55
1,688.07
1,211.09
Other Operating Expenses
1,338.12
1,187.90
987.37
918.98
802.05
705.43
646.94
Operating Profit Before Provisions and Contingencies
2,181.74
2,074.92
1,130.94
1,449.94
1,330.09
772.03
1,096.91
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
429.41
737.37
193.96
-169.90
143.40
4,176.26
2,619.28
Profit Before Tax
1,752.33
1,337.55
936.98
1,619.84
1,186.69
-3,404.23
-1,522.37
Tax
430.40
321.72
341.56
306.81
147.64
-671.33
-531.57
Profit After Tax
1,321.93
1,015.83
595.42
1,313.03
1,039.05
-2,732.90
-990.80
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,321.93
1,015.83
595.42
1,313.03
1,039.05
-2,732.90
-990.80
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
5,976.30
5,196.47
7,689.25
7,418.50
6,312.90
3,391.91
3,971.22
Earnings per share (EPS)
1.86
1.43
0.88
1.94
1.53
-6.74
-14.13
Diluted Earnings per share
1.86
1.5
0.88
1.94
2.56
-35.71
-15.76
Operating Profit Margin (Excl OI)
67.98%
65.04%
67.76%
71.31%
65.84%
5.8%
43.54%
Gross Profit Margin
14.63%
11.65%
9.67%
20.27%
16.72%
-48.81%
-19.2%
PAT Margin
11.03%
8.85%
6.14%
16.43%
14.64%
-39.19%
-12.5%
Net Interest Margin
0.0%
2.85%
2.45%
2.91%
0.0%
0.0%
1.88%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
31.43%
32.42%
33.59%
33.81%
32.81%
0.0%
CASA Amount
0.00
40,790.00
38,708.00
36,833.00
34,528.00
31,530.00
26,518.00
Capital Adequacy Ratio (Total)
17.42%
17.41%
17.16%
17.1%
18.54%
17.06%
12.76%
Capital Adequacy Ratio (Tier 1)
15.92%
15.59%
14.74%
14.32%
14.8%
13.98%
9.58%
Provision Coverage Ratio (%)
0.0%
91.38%
88.69%
89.06%
87.89%
82.89%
66.74%
Amount of Gross NPAs
2,830.77
3,370.06
4,665.35
5,648.21
8,564.82
9,334.00
8,874.57
Amount of Net NPAs
919.19
937.07
1,350.46
1,411.50
1,742.27
2,461.95
4,684.15
% of Net NPAs
0.79%
0.96%
1.63%
1.84%
2.74%
4.04%
8.03%
% of Gross NPAs
2.4%
3.38%
5.43%
6.97%
12.17%
13.76%
14.18%
Public Share Holdings (%)
0.0%
6.15%
1.75%
1.75%
1.75%
2.93%
16.94%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
1047.0
1033.0
835.0
0.0
0.0
0.0
Number of Branches
0.0
1610.0
1564.0
1553.0
1530.0
0.0
1518.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2026 is 4.36% vs 18.44% in Mar 2025

stock-summary

Net Profit

YoY Growth in year ended Mar 2026 is 30.13% vs 70.61% in Mar 2025

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 5.15% vs 83.47% in Mar 2025

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.17% vs -0.67% in Mar 2025

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.98% vs -2.05% in Mar 2025

Compare Annual Results Of Pun. & Sind Bank With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
11,981.50
36,025.68
-24,044.18
-66.74%
Income On Investments
3,308.60
10,210.09
-6,901.49
-67.59%
Interest On Balances With Rbi Other Inter Bank Funds
16.03
1,253.83
-1,237.80
-98.72%
Interest / Discount On Advances / Bills
8,580.59
24,049.76
-15,469.17
-64.32%
Others
76.28
512.00
-435.72
-85.1%
Other Income
1,777.80
6,315.74
-4,537.94
-71.85%
Total Income
13,759.30
42,341.42
-28,582.12
-67.5%
Interest Expended
8,170.09
21,855.36
-13,685.27
-62.62%
Net Interest Income
3,811.41
14,170.32
-10,358.91
-73.1%
Total Expenditure (Excl Depreciation)
3,407.47
12,007.84
-8,600.37
-71.62%
Employee Cost
2,069.35
7,580.93
-5,511.58
-72.7%
Other Operating Expenses
1,338.12
4,426.91
-3,088.79
-69.77%
Operating Profit Before Provisions and Contingencies
2,181.74
8,478.22
-6,296.48
-74.27%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
429.41
2,043.88
-1,614.47
-78.99%
Profit Before Tax
1,752.33
6,434.34
-4,682.01
-72.77%
Tax
430.40
2,065.74
-1,635.34
-79.16%
Profit After Tax
1,321.93
4,368.60
-3,046.67
-69.74%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,321.93
4,368.60
-3,046.67
-69.74%
Face Value
10.00
10.00
0.00
Reserves
5,976.30
25,558.24
-19,581.94
-76.62%
Earnings per share (EPS)
1.86
4.83
-2.97
-61.49%
Diluted Earnings per share
1.86
4.83
-2.97
-61.49%
Operating Profit Margin (Excl OI)
67.98%
61.00%
0.00
6.98%
Gross Profit Margin
14.63%
17.86%
0.00
-3.23%
PAT Margin
11.03%
12.13%
0.00
-1.10%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
0.00%
0.00%
0.00
0.00%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
17.42%
17.91%
-0.49
-0.49%
Capital Adequacy Ratio (Tier 1)
15.92%
15.61%
0.31
0.31%
Provision Coverage Ratio (%)
0.00%
0.00%
0.00
0.00%
Amount of Gross NPAs
2,830.77
9,185.04
-6,354.27
-69.18%
Amount of Net NPAs
919.19
1,665.86
-746.67
-44.82%
% of Net NPAs
0.79%
0.49%
0.30
0.30%
% of Gross NPAs
2.40%
2.67%
-0.27
-0.27%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
0.00
0.00
Annual - Interest Earned
Interest Earned 11981.5 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 4.36% vs 18.44% in Mar 2025

Annual - Net Profit
Net Profit 1,321.93 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 30.13% vs 70.61% in Mar 2025

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,181.74 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 5.15% vs 83.47% in Mar 2025

Annual - % of Net NPAs
% of Net NPAs 0.79%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -0.17% vs -0.67% in Mar 2025

Annual - % of Gross NPAs
% of Gross NPAs 2.40%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -0.98% vs -2.05% in Mar 2025

Stock List
ABCDEFGHIJKLMNOPQRSTUVWXYZOther
Footer Logo
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Download on App Store
Get it on Google Play
Company
Stocks
Portfolio
Market
Webinars
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."