About
Punjab National Bank provides various banking and financial products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; and housing, vehicle, education, personal, gold, and mortgage and other loans. It also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, the company offers life and general insurance services; and depository, mutual funds, merchant banking, and application supported by blocked amount services. Further, the company provides mobile and internet banking, SMS banking, missed call, e-statement, ATM, passbook updating machine, and electronic cheque deposit machine services; and point of sale (PoS) is the payment acceptance solutions, NFC-enabled terminals facilitating quick payments, as well as debit and credit cards. Punjab National Bank was incorporated in 1894 and is headquartered in New Delhi, India.
Key Metrics
as of Sep 2026Market Cap134,260 Cr
P/E6.08
Div Yield2.56 %
Book Value₹136.00
52w High₹135.00
52w Low₹98.50
Face Value₹2.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 8,154.00 | 7,466.00 | 9,224.00 | 8,227.00 | 9,088.00 | 9,057.00 | 7,538.00 | 8,523.00 | 8,817.00 | 9,783.00 | 9,375.00 | 10,179.00 | 10,935.00 |
| Other Income | 4,333.00 | 4,162.00 | 5,022.00 | 4,342.00 | 5,268.00 | 4,716.00 | 3,412.00 | 4,572.00 | 3,610.00 | 4,248.00 | 2,674.00 | 3,028.00 | 3,434.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 22,099.00 | 21,776.00 | 21,698.00 | 21,403.00 | 21,386.00 | 21,232.00 | 20,308.00 | 19,358.00 | 18,080.00 | 17,750.00 | 16,995.00 | 16,432.00 | 15,641.00 |
| Profit before tax | 6,978.00 | 7,077.00 | 6,331.00 | 6,584.00 | 6,758.00 | 6,416.00 | 6,906.00 | 6,565.00 | 5,269.00 | 4,828.00 | 3,592.00 | 2,772.00 | 2,003.00 |
| Tax % | 25.00 | 26.00 | 19.00 | 26.00 | 75.00 | 29.00 | 35.00 | 34.00 | 38.00 | 38.00 | 38.00 | 37.00 | 37.00 |
| Net Profit | 5,253.00 | 5,225.00 | 5,100.00 | 4,904.00 | 1,675.00 | 4,567.00 | 4,508.00 | 4,303.00 | 3,252.00 | 3,010.00 | 2,223.00 | 1,756.00 | 1,255.00 |
| EPS in Rs | 4.57 | 4.55 | 4.44 | 4.27 | 1.46 | 3.97 | 3.92 | 3.74 | 2.95 | 2.73 | 2.02 | 1.59 | 1.14 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 32,732.00 | 32,988.00 | 39,377.00 | 41,449.00 | 35,809.00 | 38,014.00 | 25,365.00 | 39,301.00 | 42,802.00 | 21,508.00 | 26,654.00 | 18,119.00 |
| Other Income | 18,794.00 | 16,309.00 | 13,384.00 | 12,143.00 | 12,320.00 | 11,922.00 | 9,274.00 | 7,377.00 | 8,881.00 | 8,951.00 | 6,000.00 | 5,891.00 |
| Interest | 86,263.00 | 78,979.00 | 66,819.00 | 50,652.00 | 46,185.00 | 50,273.00 | 36,362.00 | 34,154.00 | 33,073.00 | 32,283.00 | 32,113.00 | 29,760.00 |
| Depreciation | 1,272.00 | 948.00 | 895.00 | 897.00 | 889.00 | 975.00 | 608.00 | 578.00 | 576.00 | 425.00 | 396.00 | 370.00 |
| Profit before tax | 26,750.00 | 25,156.00 | 13,194.00 | 4,288.00 | 4,316.00 | 3,479.00 | 739.00 | -15,346.00 | -19,575.00 | 2,012.00 | -5,738.00 | 3,957.00 |
| Tax % | 37.00 | 34.00 | 38.00 | 42.00 | 20.00 | 42.00 | 55.00 | -35.00 | -37.00 | 34.00 | -31.00 | 23.00 |
| Net Profit | 16,904.00 | 16,630.00 | 8,245.00 | 2,507.00 | 3,457.00 | 2,022.00 | 336.00 | -9,975.00 | -12,283.00 | 1,325.00 | -3,974.00 | 3,062.00 |
| EPS in Rs | 14.71 | 14.47 | 7.49 | 2.28 | 3.14 | 1.93 | 0.50 | -21.67 | -44.49 | 6.23 | -20.24 | 16.51 |
| Dividend Payout % | 20.00 | 20.00 | 20.00 | 29.00 | 20.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 20.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 2,299.00 | 2,299.00 | 2,202.00 | 2,202.00 | 2,202.00 | 2,096.00 | 1,348.00 | 921.00 | 552.00 | 426.00 | 393.00 | 371.00 |
| Reserves | 140,351.00 | 125,064.00 | 104,274.00 | 97,653.00 | 93,285.00 | 88,842.00 | 61,010.00 | 43,866.00 | 40,522.00 | 41,672.00 | 37,917.00 | 38,709.00 |
| Other Liabilities | 49,802.00 | 40,408.00 | 35,216.00 | 29,521.00 | 27,418.00 | 20,523.00 | 14,237.00 | 14,806.00 | 21,679.00 | 15,766.00 | 16,274.00 | 17,205.00 |
| Total Liabilities | 1,985,892.00 | 1,818,171.00 | 1,561,835.00 | 1,461,831.00 | 1,314,805.00 | 1,260,633.00 | 830,666.00 | 774,949.00 | 765,830.00 | 720,331.00 | 667,390.00 | 603,334.00 |
| Fixed Assets | 15,577.00 | 13,053.00 | 12,319.00 | 12,051.00 | 10,674.00 | 11,021.00 | 7,239.00 | 6,225.00 | 6,349.00 | 6,273.00 | 5,223.00 | 3,551.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 494,112.00 | 497,311.00 | 420,318.00 | 395,997.00 | 372,168.00 | 392,983.00 | 240,466.00 | 202,128.00 | 200,306.00 | 186,725.00 | 157,846.00 | 149,877.00 |
| Other Assets | 1,476,204.00 | 1,307,806.00 | 1,129,198.00 | 1,053,784.00 | 931,964.00 | 856,628.00 | 582,961.00 | 566,596.00 | 559,175.00 | 527,332.00 | 504,322.00 | 449,905.00 |
| Total Assets | 1,985,892.00 | 1,818,171.00 | 1,561,835.00 | 1,461,831.00 | 1,314,805.00 | 1,260,633.00 | 830,666.00 | 774,949.00 | 765,830.00 | 720,331.00 | 667,390.00 | 603,334.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 26,302.00 | 22,272.00 | -27,895.00 | 21,780.00 | 20,464.00 | 30,903.00 | -12,613.00 | -30,893.00 | 1,012.00 | 12,497.00 | 17,045.00 | 5,619.00 |
| Cash from Investing Activity | -1,416.00 | -1,534.00 | -1,539.00 | -682.00 | -1,207.00 | -839.00 | -239.00 | -260.00 | -1,288.00 | -527.00 | -783.00 | -849.00 |
| Cash from Financing Activity | -11,659.00 | -1,123.00 | 3,430.00 | 1,364.00 | 2,041.00 | 5,293.00 | 13,557.00 | 10,979.00 | 7,407.00 | 739.00 | 856.00 | 5,946.00 |
| Net Cash Flow | 13,227.00 | 19,615.00 | -26,004.00 | 22,462.00 | 21,297.00 | 35,357.00 | 705.00 | -20,174.00 | 7,130.00 | 12,709.00 | 17,119.00 | 10,716.00 |
| Free Cash Flow | 24,747.00 | 20,697.00 | -29,032.00 | 21,246.00 | 19,930.00 | 30,128.00 | -12,943.00 | -31,327.00 | 362.00 | 11,933.00 | 16,438.00 | 5,099.00 |
| CFO/OP % | 27.00 | 31.00 | -39.00 | 53.00 | 56.00 | 73.00 | -37.00 | -254.00 | 53.00 | 54.00 | 89.00 | 28.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
31 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 12 Jun 2026 | 13 Jun 2026 | — | 3.00 | |
| Dividend | 20 Jun 2025 | 20 Jun 2025 | — | 2.90 | |
| Dividend | 21 Jun 2024 | 22 Jun 2024 | — | 1.50 | |
| Other | 21 Jun 2024 | — | — | — | Annual General Meeting |
| Dividend | 23 Jun 2023 | — | — | 0.65 | |
| Dividend | 22 Jun 2022 | — | — | 0.64 | |
| Other | 16 Jul 2021 | — | — | — | Annual General Meeting |
| Other | 27 Jul 2020 | — | — | — | Annual General Meeting |
| Other | 04 Jul 2019 | — | — | — | Annual General Meeting |
| Other | 10 Sep 2018 | — | — | — | Annual General Meeting |
| Other | 21 Jun 2017 | — | — | — | Annual General Meeting |
| Other | 23 Jun 2016 | — | — | — | Annual General Meeting |
| Dividend | 22 Jun 2015 | — | — | 3.30 | |
| Split | 18 Dec 2014 | 19 Dec 2014 | 10:2 | — | |
| Other | 20 Jun 2014 | — | — | — | Annual General Meeting |
| Dividend | 11 Feb 2014 | 12 Feb 2014 | — | 10.00 | |
| Dividend | 13 Jun 2013 | — | — | 27.00 | |
| Other | 13 Jun 2013 | — | — | — | Annual General Meeting / Final Dividend Rs.27 Per Equity Share |
| Dividend | 14 Jun 2012 | — | — | 22.00 | |
| Dividend | 16 Jun 2011 | — | — | 22.00 | |
| Dividend | 08 Jul 2010 | — | — | 12.00 | |
| Dividend | 04 Feb 2010 | 06 Feb 2010 | — | 10.00 | |
| Dividend | 04 Jun 2009 | — | — | 20.00 | |
| Other | 12 Nov 2008 | 14 Nov 2008 | — | — | General |
| Other | 12 Nov 2008 | 14 Nov 2008 | — | — | Egm-Election Of Directors |
| Dividend | 29 May 2008 | — | — | 13.00 | NSE/BSE dividend mismatch: NSE=2.6; BSE=13.0 |
| Dividend | 29 May 2008 | — | — | 2.60 | NSE/BSE dividend mismatch: NSE=2.6; BSE=13.0 |
| Dividend | 07 Jun 2007 | — | — | 6.00 | |
| Dividend | 14 Feb 2007 | 15 Feb 2007 | — | 0.80 | |
| Dividend | 22 Jun 2006 | — | — | 0.60 | |
| Other | 13 Oct 2005 | — | — | — | Egm |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update15 Dec 2025 from brickwork
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Rating update12 Dec 2025 from crisil
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Rating update8 Dec 2025 from care
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Rating update5 Dec 2025 from icra
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Rating update30 Sep 2025 from care
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Rating update17 Feb 2025 from fitch