Pun. & Sind Bank

Who are in the management team of Pun. & Sind Bank?

As of March 2022, the management team of Pun. & Sind Bank includes Saket Mehrotra (Company Secretary), Raghavendra Kollegal (Executive Director), K P Patnaik (RBI Nominee), Tirath Raj Mendiratta (Director), Ramjass Yadav (Executive Director), Shankar Lal Agarwal and Rshmi Khetrapal (Non-Official Directors), M.G. Jayasree (Govt Nominee), Swarup Kumar Saha (Managing Director & CEO), and Charan Singh (Chairman). They oversee the bank's strategic direction and management.

As of March 2022, the management team of Pun. & Sind Bank includes the following individuals:<BR><BR>1. Saket Mehrotra - Company Secretary & Compliance Officer<BR>2. Raghavendra Venkatasheshan Kollegal - Executive Director<BR>3. K P Patnaik - Nominee (RBI)<BR>4. Tirath Raj Mendiratta - Director (Shareholder)<BR>5. Ramjass Yadav - Executive Director<BR>6. Shankar Lal Agarwal - Non Official Director<BR>7. Rshmi Khetrapal - Non Official Director<BR>8. M.G. Jayasree - Nominee (Govt)<BR>9. Swarup Kumar Saha - Managing Director & CEO<BR>10. Charan Singh - Chairman (Non-Executive) <BR><BR>This team is responsible for the strategic direction and management of the bank.

What does Pun. & Sind Bank do?

Punjab and Sind Bank is a major public sector bank in Northern India, offering a variety of banking services. As of March 2025, it reported net sales of ₹3,158.94 Cr and a net profit of ₹313 Cr, with a market cap of ₹23,415 Cr.

Overview:<BR>Punjab and Sind Bank is a leading public sector bank in Northern India, providing a wide range of banking products and services.<BR><BR>History:<BR>Punjab and Sind Bank was incorporated in the early 20th century and has maintained its status as a major public sector bank. The latest quarterly results reported are for March 2025, showing sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,158.94 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 313 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 23,415 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.58% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Address: 21 Bank House, Rajendra Palace New Delhi Maharashtra : 110008 <BR>Phone: 91-011-25782926/25728930/25812922 <BR>Email: complianceofficer@psb.co.in <BR>Website: http://www.punjabandsindbank.co.in

Has Pun. & Sind Bank declared dividend?

Punjab & Sind Bank has declared a 2% dividend, amounting to ₹0.20 per share, with an ex-date of July 16, 2024. Recent total returns show significant volatility, with negative returns over the last year and six months, but positive trends in longer-term periods.

Punjab & Sind Bank has declared a 2% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2%<BR>- Amount per share: ₹0.20<BR>- Ex-date: 16 Jul 2024<BR><BR>Dividend Yield: 0.58%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -39.33%, the dividend return was 0%, resulting in a total return of -39.33%.<BR><BR>For the 1-year period, the price return was -44.65%, the dividend return was 0.33%, leading to a total return of -44.32%.<BR><BR>Over the 2-year period, the price return was 1.8%, the dividend return was 1.92%, culminating in a total return of 3.72%.<BR><BR>In the 3-year period, the price return was 115.72%, the dividend return was 6.38%, resulting in a total return of 122.1%.<BR><BR>For the 4-year period, the price return was 58.79%, the dividend return was 4.17%, leading to a total return of 62.96%.<BR><BR>In the 5-year period, the price return was 85.88%, the dividend return was 6.38%, culminating in a total return of 92.26%.<BR><BR>Overall, while Punjab & Sind Bank has declared a dividend, the recent total returns indicate significant volatility, particularly in the shorter periods, with negative returns over the last year and six months. However, longer-term returns show positive trends, suggesting potential recovery and growth in the future.

Who are the peers of the Pun. & Sind Bank?

Peers of Pun. & Sind Bank include St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Indian Bank, I O B, Bank Of India, Bank of Maha, and UCO Bank. Indian Bank has the highest 1-year return at 4.72%, while Pun. & Sind Bank's return is -49.84%.

Peers: The peers of Pun. & Sind Bank are St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Indian Bank, I O B, Bank Of India, Bank of Maha, UCO Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at St Bk of India, Bank Of Baroda, Union Bank (I), Canara Bank, Indian Bank, Bank Of India, and Bank of Maha, while Average management risk is found at Punjab Natl.Bank, I O B, and UCO Bank. Growth is excellent at Bank Of Baroda, Union Bank (I), Canara Bank, Indian Bank, and Bank of Maha, while good growth is noted at St Bk of India, Punjab Natl.Bank, and I O B, and the rest have average growth. Average capital structure is seen at St Bk of India and I O B, while good capital structure is found at Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Indian Bank, Bank Of India, Bank of Maha, and UCO Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Indian Bank at 4.72%, while I O B has the lowest at -44.62%. Pun. & Sind Bank's 1-year return of -49.84% is lower than both. Additionally, the six-month return is negative for I O B, UCO Bank, and Pun. & Sind Bank.

Who are the top shareholders of the Pun. & Sind Bank?

The top shareholder of Pun. & Sind Bank is the President of India, holding 93.85% of the shares. Other shareholders include the Life Insurance Corporation of India (1.33%), individual investors (0.94%), 21 Foreign Institutional Investors (0.73%), and 7 mutual fund schemes (0.03%).

The top shareholders of Pun. & Sind Bank include the President of India, who holds a significant 93.85% of the shares, making it the largest stakeholder. Other notable shareholders include the Life Insurance Corporation of India, which holds 1.33%, and individual investors who collectively own 0.94%. Additionally, there are 21 Foreign Institutional Investors (FIIs) holding 0.73% and 7 mutual fund schemes with a combined holding of 0.03%.

Are Pun. & Sind Bank latest results good or bad?

Punjab & Sind Bank's latest results show strong growth in Profit After Tax, up 81.37% to Rs 581.94 crore, and improved asset quality with lower NPAs. However, a significant decline in Profit Before Tax and operating performance raises concerns about sustainability.

Punjab & Sind Bank's latest results present a mixed picture. On the positive side, the bank has reported a significant year-on-year growth in Profit After Tax (PAT), reaching Rs 581.94 crore, which is an impressive increase of 81.37%. Additionally, the Gross Non-Performing Assets (NPA) have decreased to 3.34%, and the Net NPA stands at a low of 0.91%, indicating improved asset quality and a reduction in stressed loans.<BR><BR>Moreover, the bank's liquidity position appears strong, with cash and cash equivalents at Rs 8,793.80 crore, the highest in recent periods. The Capital Adequacy Ratio (CAR) of 17.90% also reflects a solid capital base.<BR><BR>However, there are notable challenges. The Profit Before Tax (PBT) has declined significantly to Rs -145.71 crore, and the Operating Profit has dropped to Rs 71.37 crore, marking the lowest level in five quarters. This decline in operating performance is concerning, especially with the Operating Profit Margin decreasing to 2.45%. Additionally, the reliance on non-operating income, which constitutes 145.11% of PBT, raises questions about the sustainability of the bank's earnings.<BR><BR>In summary, while there are strong indicators of growth and improved asset quality, the decline in operational performance and profitability presents challenges that the bank will need to address moving forward.

How big is Pun. & Sind Bank?

As of 24th July, Punjab & Sind Bank has a market capitalization of 21,975.00 Cr and reported a Net Profit of 1,103.49 Cr, with Shareholder's Funds at 13,354.76 Cr and Total Assets of 1,61,950.06 Cr for the latest annual period ending in March 2025. Net Sales data is unavailable.

As of 24th July, Punjab & Sind Bank has a market capitalization of 21,975.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the bank reported Net Sales of 0.00 Cr, indicating no valid data found for summing. The Net Profit for the same period was 1,103.49 Cr.<BR><BR>For the latest annual period ending in March 2025, the Shareholder's Funds were reported at 13,354.76 Cr, while the Total Assets amounted to 1,61,950.06 Cr.

Is Pun. & Sind Bank technically bullish or bearish?

As of November 3, 2025, the market trend is mildly bearish due to daily moving averages and monthly indicators signaling bearishness, despite some mixed signals from weekly indicators.

As of 3 November 2025, the technical trend has changed from sideways to mildly bearish. The current technical stance is mildly bearish, driven primarily by the daily moving averages indicating a bearish outlook and the monthly MACD and KST both showing bearish signals. While the weekly MACD and KST are mildly bullish, they are overshadowed by the overall bearish sentiment from the monthly indicators. The RSI shows a bullish signal on the monthly timeframe but lacks a clear signal on the weekly. Overall, the mixed signals suggest a cautious approach, with the bearish indicators currently taking precedence.

How has been the historical performance of Pun. & Sind Bank?

Pun. & Sind Bank has shown significant financial improvement since March 2021, with interest earned rising to 11,481.30 crore in March 2025, and profit after tax increasing to 1,015.83 crore. The bank's total assets grew to 161,950.06 crore, and its capital adequacy ratio improved to 17.41%.

Answer:<BR>The historical performance of Pun. & Sind Bank shows a significant improvement in various financial metrics over the years, particularly from March 2021 onwards.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2025, Pun. & Sind Bank reported interest earned of 11,481.30 crore, a notable increase from 9,693.98 crore in March 2024 and 7,992.73 crore in March 2023. This growth was driven by a rise in interest on advances, which reached 8,157.74 crore in March 2025, up from 6,951.24 crore in the previous year. The bank's net interest income also saw a substantial increase to 3,783.66 crore, compared to 2,841.04 crore in March 2024. Total income rose to 13,048.95 crore, reflecting a strong upward trend. However, interest expended also increased to 7,697.64 crore, leading to a profit before tax of 1,337.55 crore, up from 936.98 crore in the prior year. The profit after tax for March 2025 was 1,015.83 crore, an increase from 595.42 crore in March 2024. The bank's total assets grew to 161,950.06 crore, up from 147,744.00 crore in March 2024, while total liabilities also increased to 161,950.06 crore. The bank's capital adequacy ratio improved to 17.41%, and the provision coverage ratio stood at 91.38%. The number of branches and ATMs also increased, indicating an expansion in operations. Overall, the bank has shown resilience and growth in its financial performance over the years, particularly after a challenging period in 2021.

Is Pun. & Sind Bank overvalued or undervalued?

As of November 21, 2025, Pun. & Sind Bank is fairly valued with a PE ratio of 18.23, a Price to Book Value of 1.55, and a PEG ratio of 0.28, despite underperforming the Sensex year-to-date.

As of 21 November 2025, Pun. & Sind Bank's valuation grade has moved from expensive to fair. The bank appears to be fairly valued at this time. Key ratios include a PE ratio of 18.23, a Price to Book Value of 1.55, and a PEG ratio of 0.28, indicating a relatively attractive growth potential compared to its price.<BR><BR>In comparison to its peers, Pun. & Sind Bank's PE ratio is higher than that of SBI, which stands at 12.58, but lower than the attractive valuations of Bank of Baroda and Punjab National Bank, which have PE ratios of 7.64 and 8.98, respectively. Notably, the bank's return on equity (ROE) is 8.50%, while its net NPA to book value stands at 6.26%. Despite recent underperformance against the Sensex, with a year-to-date return of -37.77% compared to the Sensex's 9.08%, the current valuation suggests that Pun. & Sind Bank is positioned fairly within the market.

When is the next results date for Punjab & Sind Bank?

The next results date for Punjab & Sind Bank is January 17, 2026.

The next results date for Punjab & Sind Bank is scheduled for January 17, 2026.

Should I buy, sell or hold Punjab & Sind Bank?

Why is Punjab & Sind Bank falling/rising?

As of 20-Jan, Punjab & Sind Bank's stock price is declining at 27.29, down 3.23% and significantly underperforming with a -45.42% return over the past year. Despite positive long-term fundamentals, the stock's recent trend and low mutual fund holdings indicate a lack of confidence in its valuation.

As of 20-Jan, Punjab & Sind Bank's stock price is falling, currently at 27.29, reflecting a change of -0.91 (-3.23%). The stock has been on a downward trend, having lost -5.83% over the last two days. It is also trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a weak performance relative to its recent price history.<BR><BR>In terms of performance against benchmarks, the stock has underperformed the sector by -2.04% today and has generated a significant -45.42% return over the past year, contrasting sharply with the Sensex, which has gained +6.63% during the same period. This underperformance is compounded by the fact that domestic mutual funds hold only 1.87% of the company, suggesting a lack of confidence in the stock's current valuation.<BR><BR>Despite some positive long-term fundamentals, such as a 19.01% CAGR growth in net profits and consistent positive results over the last seven quarters, the stock's recent performance and the significant decline in its value over the past year have contributed to its current falling price.

Which are the latest news on Pun. & Sind Bank?