About
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and central sector interest subsidiary schemes, roof solar top solar finance, and debt restructuring services. In addition, it offers locker facility and government schemes; life, general, and health insurance services; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding and pay, point of sale, unified payment interface, BBPS, IMPS/USSD, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, residential facilities, and gold card scheme; and social banking services. The company was incorporated in 1908 and is headquartered in New Delhi, India.
Key Metrics
as of Sep 2026Market Cap16,483 Cr
P/E11.90
Div Yield1.68 %
Book Value₹20.60
52w High₹32.50
52w Low₹20.50
Face Value₹10.00
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 | 920.00 | 787.00 | 1,037.00 | 967.00 | 1,046.00 | 1,356.00 | 902.00 | 924.00 | 831.00 | 875.00 | 920.00 | 648.00 | 682.00 |
| Other Income | 332.00 | 427.00 | 507.00 | 374.00 | 469.00 | 677.00 | 338.00 | 359.00 | 194.00 | 413.00 | 362.00 | 268.00 | 179.00 |
| 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 | 2,175.00 | 2,055.00 | 2,056.00 | 2,049.00 | 2,010.00 | 2,037.00 | 1,992.00 | 1,866.00 | 1,802.00 | 1,792.00 | 1,752.00 | 1,731.00 | 1,578.00 |
| Profit before tax | 451.00 | 615.00 | 456.00 | 357.00 | 323.00 | 442.00 | 375.00 | 307.00 | 213.00 | 227.00 | 181.00 | 295.00 | 234.00 |
| Tax % | 27.00 | 31.00 | 26.00 | 18.00 | 17.00 | 29.00 | 25.00 | 22.00 | 15.00 | 39.00 | 37.00 | 36.00 | 35.00 |
| Net Profit | 332.00 | 422.00 | 336.00 | 295.00 | 269.00 | 313.00 | 282.00 | 240.00 | 182.00 | 139.00 | 114.00 | 189.00 | 153.00 |
| EPS in Rs | 0.47 | 0.59 | 0.47 | 0.42 | 0.38 | 0.44 | 0.42 | 0.35 | 0.27 | 0.21 | 0.17 | 0.28 | 0.23 |
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 | 3,660.00 | 3,869.00 | 2,975.00 | 2,145.00 | 2,287.00 | 6,468.00 | 4,423.00 | 3,981.00 | 3,347.00 | 2,536.00 | 2,110.00 | 1,915.00 |
| Other Income | 1,778.00 | 1,568.00 | 1,221.00 | 940.00 | 959.00 | 904.00 | 897.00 | 828.00 | 581.00 | 578.00 | 478.00 | 429.00 |
| Interest | 8,170.00 | 7,698.00 | 6,853.00 | 5,019.00 | 4,444.00 | 4,712.00 | 5,872.00 | 6,279.00 | 5,714.00 | 6,014.00 | 6,569.00 | 6,909.00 |
| Depreciation | 177.00 | 145.00 | 150.00 | 148.00 | 137.00 | 102.00 | 54.00 | -15.00 | 64.00 | 0.00 | 46.00 | 46.00 |
| Profit before tax | 1,752.00 | 1,338.00 | 937.00 | 1,620.00 | 1,187.00 | -3,404.00 | -1,522.00 | -859.00 | -595.00 | 201.00 | 498.00 | 147.00 |
| Tax % | 25.00 | 24.00 | 36.00 | 19.00 | 12.00 | -20.00 | -35.00 | -37.00 | 25.00 | 0.00 | 33.00 | 18.00 |
| Net Profit | 1,322.00 | 1,016.00 | 595.00 | 1,313.00 | 1,039.00 | -2,733.00 | -991.00 | -543.00 | -744.00 | 201.00 | 336.00 | 121.00 |
| EPS in Rs | 1.86 | 1.43 | 0.88 | 1.94 | 1.53 | -6.74 | -14.13 | -9.62 | -13.17 | 5.02 | 8.39 | 3.03 |
| Dividend Payout % | 21.00 | 5.00 | 23.00 | 25.00 | 20.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 20.00 | 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 | 7,096.00 | 7,096.00 | 6,778.00 | 6,778.00 | 6,778.00 | 4,053.00 | 701.00 | 565.00 | 565.00 | 400.00 | 400.00 | 400.00 |
| Reserves | 7,037.00 | 6,259.00 | 8,756.00 | 8,331.00 | 7,233.00 | 4,310.00 | 4,895.00 | 5,136.00 | 5,618.00 | 5,742.00 | 5,570.00 | 5,196.00 |
| Other Liabilities | 2,957.00 | 4,457.00 | 2,943.00 | 2,662.00 | 2,476.00 | 3,367.00 | 2,027.00 | 2,009.00 | 2,167.00 | 2,002.00 | 2,522.00 | 2,394.00 |
| Total Liabilities | 179,270.00 | 161,815.00 | 147,657.00 | 136,455.00 | 121,068.00 | 110,482.00 | 100,504.00 | 108,982.00 | 113,759.00 | 96,643.00 | 102,581.00 | 97,753.00 |
| Fixed Assets | 1,862.00 | 1,798.00 | 1,756.00 | 1,519.00 | 1,577.00 | 1,585.00 | 1,241.00 | 1,230.00 | 1,083.00 | 1,095.00 | 1,133.00 | 995.00 |
| 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 | 49,388.00 | 46,912.00 | 49,599.00 | 44,838.00 | 42,281.00 | 32,023.00 | 24,552.00 | 26,173.00 | 32,982.00 | 27,948.00 | 27,645.00 | 24,007.00 |
| Other Assets | 128,020.00 | 113,105.00 | 96,302.00 | 90,097.00 | 77,209.00 | 76,874.00 | 74,711.00 | 81,579.00 | 79,695.00 | 67,600.00 | 73,803.00 | 72,752.00 |
| Total Assets | 179,270.00 | 161,815.00 | 147,657.00 | 136,455.00 | 121,068.00 | 110,482.00 | 100,504.00 | 108,982.00 | 113,759.00 | 96,643.00 | 102,581.00 | 97,753.00 |
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 | -1,893.00 | -2,294.00 | 1,746.00 | 1,428.00 | -5,999.00 | -5,848.00 | 2,210.00 | -97.00 | 1,063.00 | -495.00 | 930.00 | -1,982.00 |
| Cash from Investing Activity | -241.00 | -168.00 | -229.00 | -88.00 | -121.00 | -446.00 | -63.00 | -61.00 | -51.00 | -33.00 | -38.00 | -84.00 |
| Cash from Financing Activity | -387.00 | 3,898.00 | -431.00 | -1,332.00 | 4,068.00 | 5,055.00 | 814.00 | -356.00 | 1,531.00 | 216.00 | -209.00 | -39.00 |
| Net Cash Flow | -2,521.00 | 1,437.00 | 1,086.00 | 8.00 | -2,051.00 | -1,239.00 | 2,960.00 | -514.00 | 2,543.00 | -313.00 | 683.00 | -2,105.00 |
| Free Cash Flow | -2,134.00 | -2,461.00 | 1,518.00 | 1,340.00 | -6,119.00 | -6,294.00 | 2,147.00 | -158.00 | 1,012.00 | -529.00 | 892.00 | -2,066.00 |
| CFO/OP % | -19.00 | -39.00 | 31.00 | 27.00 | -142.00 | -1,111.00 | 73.00 | 3.00 | 28.00 | -9.00 | 14.00 | -30.00 |
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
18 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 21 Jul 2026 | 21 Jul 2026 | — | 0.39 | |
| Dividend | 29 Jul 2025 | 29 Jul 2025 | — | 0.07 | |
| Dividend | 16 Jul 2024 | 17 Jul 2024 | — | 0.20 | |
| Dividend | 04 Jul 2023 | — | — | 0.48 | |
| Dividend | 04 Jul 2022 | — | — | 0.31 | |
| Other | 12 Jul 2021 | — | — | — | Annual General Meeting |
| Other | 03 Aug 2020 | — | — | — | Annual General Meeting |
| Other | 03 Jul 2019 | — | — | — | Annual General Meeting |
| Other | 21 Jun 2018 | — | — | — | Annual General Meeting |
| Other | 21 Jun 2017 | — | — | — | Annual General Meeting |
| Dividend | 20 Jun 2016 | — | — | 1.65 | |
| Dividend | 19 Jun 2015 | — | — | 0.60 | |
| Dividend | 12 Jun 2014 | — | — | 0.60 | |
| Dividend | 27 Jan 2014 | 28 Jan 2014 | — | 1.60 | |
| Dividend | 06 Jun 2013 | — | — | 2.68 | |
| Other | 06 Jun 2013 | — | — | — | Annual General Meeting/Dividend Rs 2.68 Per Equity Share |
| Dividend | 14 Jun 2012 | — | — | 2.00 | |
| Dividend | 31 May 2011 | — | — | 2.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update21 Aug from care
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Rating update20 Mar from icra
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Rating update27 Feb from infomerics
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Rating update7 Oct 2025 from fitch
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Rating update10 Sep 2025 from crisil
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Rating update22 Aug 2025 from care