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Pun. & Sind Bank

  • Market Cap: Small Cap
  • Industry: Public Sector Bank
  • ISIN: INE608A01012
  • NSEID: PSB
  • BSEID: 533295
  • View on NSE | View on BSE
INR
23.41
-0.27 (-1.14%)
BSENSE

Jun 03, 03:30 PM

BSE+NSE Vol: 15.52 lacs

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
8,951.51
8,322.36
7,212.71
5,887.79
5,302.52
5,363.24
6,025.20
Income On Investments
2,481.59
2,413.26
1,961.79
1,768.20
1,548.98
1,420.08
1,510.44
Interest On Balances With Rbi Other Inter Bank Funds
12.31
12.43
16.24
25.58
85.33
70.94
26.80
Interest / Discount On Advances / Bills
6,402.66
5,827.24
5,183.44
4,011.44
3,585.25
3,785.18
4,391.47
Others
54.95
69.43
51.24
82.57
82.96
87.04
96.49
Other Income
1,350.43
890.89
808.52
392.92
744.77
541.18
512.29
Total Income
10,301.94
9,213.25
8,021.23
6,280.71
6,047.29
5,904.42
6,537.49
Interest Expended
6,114.90
5,660.72
5,060.99
3,598.19
3,348.77
3,596.31
4,471.81
Net Interest Income
2,836.61
2,661.64
2,151.72
2,289.60
1,953.75
1,766.93
1,553.39
Total Expenditure (Excl Depreciation)
2,547.60
2,294.00
2,165.65
1,768.59
1,685.92
1,742.31
1,398.52
Employee Cost
1,573.01
1,446.29
1,431.26
1,071.97
1,093.66
1,256.77
920.46
Other Operating Expenses
974.59
847.71
734.39
696.62
592.26
485.54
478.06
Operating Profit Before Provisions and Contingencies
1,639.44
1,258.53
794.59
913.93
1,012.60
565.80
667.16
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
502.56
363.35
84.40
-112.78
274.96
4,139.39
1,801.45
Profit Before Tax
1,136.88
895.18
710.19
1,026.71
737.64
-3,573.59
-1,134.29
Tax
236.78
192.13
254.12
170.67
44.69
-679.90
-379.79
Profit After Tax
900.10
703.05
456.07
856.04
692.95
-2,893.69
-754.50
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
900.10
703.05
456.07
856.04
692.95
-2,893.69
-754.50
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
5,195.71
0.00
0.00
0.00
0.00
0.00
0.00
Diluted Earnings per share
0.47
0.42
0.17
0.55
0.74
-33.89
-3.96
Operating Profit Margin (Excl OI)
71.54%
72.44%
69.97%
69.96%
68.21%
67.51%
76.79%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
10.06%
8.45%
6.32%
14.54%
13.07%
-53.95%
-12.52%
Net Interest Margin
2.59%
2.78%
2.54%
3.12%
3.17%
0.0%
1.74%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.02%
31.16%
32.77%
33.3%
32.63%
0.0%
27.65%
CASA Amount
43,187.00
39,701.00
38,785.00
36,460.00
32,749.00
0.00
25,572.00
Capital Adequacy Ratio (Total)
16.83%
15.95%
16.13%
15.57%
17.82%
16.39%
12.04%
Capital Adequacy Ratio (Tier 1)
15.28%
14.04%
13.75%
12.79%
14.41%
13.4%
9.37%
Provision Coverage Ratio (%)
92.23%
89.53%
88.16%
89.31%
87.77%
0.0%
62.14%
Amount of Gross NPAs
2,870.84
3,675.81
4,759.23
6,499.91
9,635.75
8,489.89
8,923.49
Amount of Net NPAs
795.93
1,168.86
1,443.77
1,469.14
1,773.06
1,638.25
5,417.79
% of Net NPAs
0.74%
1.25%
1.8%
2.02%
3.01%
2.84%
8.71%
% of Gross NPAs
2.6%
3.83%
5.7%
8.36%
14.44%
13.14%
13.58%
Public Share Holdings (%)
6.15%
1.75%
1.75%
1.75%
2.93%
16.94%
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
1107.0
1041.0
937.0
803.0
0.0
0.0
0.0
Number of Branches
1623.0
1584.0
1561.0
1528.0
1531.0
0.0
1521.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is 7.56% vs 15.38% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is 28.03% vs 54.15% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 30.27% vs 58.39% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.51% vs -0.55% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -1.23% vs -1.87% in Dec 2024

Compare Nine Monthly Results Of Pun. & Sind Bank With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
8,951.51
26,365.01
-17,413.50
-66.05%
Income On Investments
2,481.59
7,609.73
-5,128.14
-67.39%
Interest On Balances With Rbi Other Inter Bank Funds
12.31
985.15
-972.84
-98.75%
Interest / Discount On Advances / Bills
6,402.66
17,690.60
-11,287.94
-63.81%
Others
54.95
79.53
-24.58
-30.91%
Other Income
1,350.43
5,217.94
-3,867.51
-74.12%
Total Income
10,301.94
31,582.95
-21,281.01
-67.38%
Interest Expended
6,114.90
16,196.53
-10,081.63
-62.25%
Net Interest Income
2,836.61
10,168.48
-7,331.87
-72.1%
Total Expenditure (Excl Depreciation)
2,547.60
9,004.32
-6,456.72
-71.71%
Employee Cost
1,573.01
5,782.09
-4,209.08
-72.8%
Other Operating Expenses
974.59
3,222.23
-2,247.64
-69.75%
Operating Profit Before Provisions and Contingencies
1,639.44
6,382.10
-4,742.66
-74.31%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
502.56
1,539.54
-1,036.98
-67.36%
Profit Before Tax
1,136.88
4,842.56
-3,705.68
-76.52%
Tax
236.78
1,198.39
-961.61
-80.24%
Profit After Tax
900.10
3,644.17
-2,744.07
-75.3%
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
900.10
3,644.17
-2,744.07
-75.3%
Face Value
10.00
10.00
0.00
Reserves
5,195.71
0.00
5,195.71
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
10.06%
13.82%
0.00
-3.76%
Net Interest Margin
2.59%
2.96%
-0.37
-0.37%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
31.02%
47.13%
-16.11
-16.11%
CASA Amount
43,187.00
2,11,773.00
-1,68,586.00
-79.61%
Capital Adequacy Ratio (Total)
16.83%
16.13%
0.70
0.70%
Capital Adequacy Ratio (Tier 1)
15.28%
13.87%
1.41
1.41%
Provision Coverage Ratio (%)
92.23%
96.69%
-4.46
-4.46%
Amount of Gross NPAs
2,870.84
8,726.00
-5,855.16
-67.1%
Amount of Net NPAs
795.93
1,413.66
-617.73
-43.7%
% of Net NPAs
0.74%
0.45%
0.29
0.29%
% of Gross NPAs
2.60%
2.70%
-0.10
-0.10%
Public Share Holdings (%)
6.15%
0.00%
6.15
6.15%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,107.00
4,111.00
-3,004.00
-73.07%
Number of Branches
1,623.00
4,567.00
-2,944.00
-64.46%
Nine Monthly - Interest Earned
Interest Earned 8951.51 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 7.56% vs 15.38% in Dec 2024

Nine Monthly - Net Profit
Net Profit 900.10 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 28.03% vs 54.15% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,639.44 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 30.27% vs 58.39% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 0.74%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.51% vs -0.55% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.60%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -1.23% vs -1.87% in Dec 2024

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