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%.

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 April 27, 2026.

The next results date for Punjab & Sind Bank is scheduled for April 27, 2026.

Are Punjab & Sind Bank latest results good or bad?

Punjab & Sind Bank's latest results show a net profit increase of 25.39% quarter-on-quarter, but declining net interest income and a low return on equity indicate underlying challenges. While the improvement in the gross NPA ratio is positive, reliance on non-operating income raises concerns about the sustainability of earnings.

Punjab & Sind Bank's latest results present a mixed picture. On the positive side, the bank reported a net profit of ₹421.83 crores for Q4 FY26, marking a significant increase of 25.39% quarter-on-quarter and 34.86% year-on-year. This profit surge was largely driven by a reversal in provisioning requirements, which indicates improved asset quality.<BR><BR>However, there are notable concerns. The net interest income (NII) declined by 1.15% quarter-on-quarter and 13.12% year-on-year, reflecting pressures on core banking profitability. Additionally, the bank's return on equity (ROE) stands at 8.71%, which is substantially below the peer average of around 14%. This suggests that while the bank has shown strong profit growth, the underlying operational efficiency and profitability metrics remain weak.<BR><BR>The gross non-performing asset (NPA) ratio improved to 2.40%, the lowest in over two years, which is a positive development. Yet, the reliance on non-operating income—accounting for nearly 70% of profit before tax—raises concerns about the sustainability of these earnings.<BR><BR>Overall, while the quarterly profit figures are impressive, the challenges in core profitability and operational efficiency suggest that the results are not entirely favorable. Investors may need to approach the bank's performance with caution, considering the structural issues that could impact future profitability.

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

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

Why is Punjab & Sind Bank falling/rising?

As of 03-Jun, Punjab & Sind Bank's stock price is declining, currently at 23.44, with a significant drop of -28.27% over the past year, underperforming the Sensex. Despite strong fundamentals, the stock is trading below key moving averages and experiencing reduced investor interest, contributing to a bearish sentiment.

As of 03-Jun, Punjab & Sind Bank's stock price is falling, currently at 23.44, reflecting a change of -0.22 (-0.93%). The stock has been on a downward trend, having lost -3.42% over the past week and -5.90% over the past month. This decline is compounded by a consecutive fall over the last four days, indicating a persistent negative momentum.<BR><BR>The stock's performance is notably underwhelming when compared to the broader market, as it has underperformed the Sensex by -2.46% today. Additionally, it is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which suggests a lack of positive momentum and investor confidence.<BR><BR>Investor participation has also decreased, with delivery volume falling by -17.25% against the 5-day average, indicating reduced interest in trading the stock. Furthermore, despite the bank's strong fundamentals, such as a high Capital Adequacy Ratio of 15.07% and consistent profit growth, the stock has generated a return of -28.27% over the past year, which is significantly worse than the -7.92% return of the Sensex in the same period.<BR><BR>The low stake of domestic mutual funds at only 1.86% may reflect a lack of confidence in the stock's current valuation or business outlook. Overall, these factors contribute to the stock's decline, overshadowing its positive financial indicators and leading to a bearish sentiment among investors.