Punjab & Sind Bank share price

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 compr…Read more

Website NSE हिंदी में BSE

Financial ServicesBanks - RegionalNSE: PSBISIN INE608A01012

16 Oct 2026, 3:29 PM IST₹21.29▲ 0.05 (0.24%)

Market Cap₹ 15,107 Cr.
Current Price₹ 21.29
High / Low₹ 32 / 21
Stock P/E10.9
Book Value₹ 21
Dividend Yield1.83 %
Price / Book1.03
ROE9.60 %
Face Value₹ 10.0

More figures (8)

EPS (TTM)₹ 1.95
Net margin23.5 %
Sales growth (5Y)11.4 %
Profit growth (5Y)—
Promoter holding93.9 %
EV / EBITDA—
Beta0.51
All-time high₹ 147

Price chart

Price on NSE 50 DMA 200 DMA Volume

Returns	1M	3M	6M	YTD	1Y	3Y CAGR	5Y CAGR
PSB	-4.31%	-13.88%	-15.21%	-23.11%	-29.60%	-21.00%	+2.09%
Nifty 50	-0.31%	-3.85%	-4.34%	-11.42%	-9.53%	+5.46%	+4.76%

Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.

Quick take

Punjab & Sind Bank is in the Banks - Regional industry (Financial Services), with a market value of ₹15,107 crore.
It trades at 10.9 times its last 12 months' earnings and 1.0 times book value.
Revenue grew 11.4% a year over the last 5 years.
Return on equity was 9.6% in the latest year.
The share price is 34.4% below its 52-week high and down 29.6% over one year.
Promoters and insiders hold about 93.9%; institutions about 1.5%.

Pros

Trades at 10.9 times earnings, below its 3-year median of 21.6.
Institutional (FII + DII) holding has risen by 3.3 points over 3 years.

Cons

Return on equity has been low: 6.8% on average over the last 3 years.
Profit growth has been weak: 0.2% a year over the last 3 years.
Promoter holding has fallen by 4.40 points over 3 years, to 93.85%.

Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.

About Punjab & Sind Bank

Head office: New Delhi

Financial ServicesBanks - Regional

S.No.	Company	CMP ₹	P/E	Mar Cap ₹ Cr	Div Yld %	NP Qtr ₹ Cr	Qtr Profit Var %	Sales Qtr ₹ Cr	Qtr Sales Var %	ROCE %	ROE %	P/B	OPM %	Debt / Eq	Prom. Hold. %	Sales ₹ Cr	Sales Var 3Yrs %
1.	Punjab & Sind Bank	21.29	10.9	15,107	1.83	332	23.16	3,213	10.40	—	9.6	1.03	—	0.99	93.85	11,982	11.4
2.	HDFC Bank	728.85	15.9	11,23,776	1.79	20,383	19.26	90,575	3.67	—	8.9	1.85	—	0.81	0.18	3,48,615	16.9
3.	ICICI Bank	1,397.00	18.1	10,02,968	0.86	16,210	12.62	52,241	6.44	—	16.0	2.63	—	0.57	3.54	1,95,218	18.1
4.	State Bank of India	962.60	10.3	8,88,554	1.81	24,579	13.65	1,36,240	8.36	—	15.4	1.43	—	1.22	57.23	5,14,933	12.2
5.	Kotak Mahindra Bank	447.40	21.9	4,45,068	0.15	5,487	23.89	18,355	6.41	—	11.4	2.46	—	0.53	28.41	69,781	13.5
6.	Axis Bank	1,290.00	14.5	4,01,677	0.08	7,632	2.10	22,998	5.32	—	13.1	1.80	—	1.30	3.33	88,067	12.2
7.	Punjab National Bank	116.30	6.1	1,33,663	2.61	5,815	16.54	15,370	-1.85	—	13.0	0.85	—	0.58	70.08	62,620	10.0
8.	Union Bank of India	171.68	6.3	1,31,054	2.90	5,642	12.58	15,455	-2.48	—	15.7	0.94	—	0.55	74.76	58,788	7.6
9.	Bank of Baroda	230.40	6.6	1,19,148	3.73	1,573	-53.08	35,115	6.84	—	12.7	0.71	—	0.94	66.46	1,34,298	10.3
10.	Indian Bank	854.10	8.7	1,15,044	2.19	3,357	12.58	10,341	10.86	—	15.4	1.32	—	0.46	76.55	37,794	10.4
	Median: 39 Co.	588.13	10.2	54,932	0.86	5,728	13.13	20,676	6.43	—	12.0	1.16	—	0.70	61.85	78,924	12.2

Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.

Quarterly Results

Standalone figures in ₹ crore

₹ Cr	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,316	2,406	2,491	2,881	2,652	2,739	2,931	3,159	2,911	2,999	3,042	3,030	3,213
YOY Revenue Growth %		21.52%	18.20%	36.86%	14.53%	13.84%	17.67%	9.66%	9.74%	9.49%	3.78%	-4.08%	10.40%
Interest on advances	1,678	1,721	1,785	1,768	1,825	1,898	2,104	2,331	2,056	2,149	2,198	2,178	2,349
Income on investments	616	663	683	694	813	799	801	812	819	835	828	827	847
Interest	1,578	1,731	1,752	1,792	1,802	1,866	1,992	2,037	2,010	2,049	2,056	2,055	2,175
	682	648	920	875	831	924	902	1,356	1,046	967	1,037	787	920
Employee cost	452	431	548	513	460	493	493	642	524	489	560	496	495
Other operating expenses	206	252	276	253	267	281	300	340	305	330	339	364	330
Provisions & contingencies	23	-35	96	110	103	151	109	374	217	148	138	-73	94
Financing Profit	56	27	-181	213	19	-52	36	-234	-146	-17	-51	188	119
Financing Margin %	2%	1%	-7%	7%	1%	-2%	1%	-7%	-5%	-1%	-2%	6%	4%
Other Income	179	268	362	13	194	359	338	677	469	374	507	427	332
Profit before tax	234	295	181	227	213	307	375	442	323	357	456	615	451
Tax %	35%	36%	37%	39%	15%	22%	25%	29%	17%	18%	26%	31%	27%
	153	189	114	139	182	240	282	313	269	295	336	422	332
Profit to shareholders	153	189	114	139	182	240	282	313	269	295	336	422	332
YOY Profit Growth %		-32.01%	-69.37%	-69.51%	18.88%	26.71%	146.66%	124.46%	48.30%	22.93%	19.31%	34.86%	23.16%
EPS in Rs	0.23	0.28	0.17	0.21	0.27	0.35	0.42	0.46	0.38	0.42	0.47	0.59	0.47
Gross NPA %	0.07%	0.06%	0.06%	0.05%	0.05%	0.04%	0.04%	0.03%	0.03%	0.03%	0.03%	0.02%	0.02%
Net NPA %	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Raw filing

Source: the company's results filed with NSE, as reported. EPS restated for bonus issues and splits. Tap a row marked + for its breakdown. Latest quarter on the right.

Profit & Loss

Standalone figures in ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	7,930	6,974	7,096	7,993	10,851	11,481	11,982	12,284
YOY Revenue Growth %		-12.05%	1.75%	12.64%	35.76%	5.81%	4.36%
Interest on advances	5,774	4,865	4,778	5,502	6,951	8,158	8,581
Income on investments	1,990	1,874	2,095	2,359	2,656	3,225	3,309
Interest	5,872	4,712	4,445	5,019	6,853	7,698	8,170	8,335
	4,477	6,569	2,424	2,294	3,126	4,014	3,837	3,710
Employee cost	1,211	1,688	1,453	1,544	1,944	2,088	2,069	2,041
Other operating expenses	647	705	827	919	987	1,188	1,338	1,363
Provisions & contingencies	2,619	4,175	143	-170	194	737	429	306
Financing Profit	-2,420	-4,307	227	680	872	-230	-25	239
Financing Margin %	-31%	-62%	3%	9%	8%	-2%	0%	2%
Other Income	897	903	959	940	65	1,568	1,778	1,641
Profit before tax	-1,522	-3,404	1,187	1,620	937	1,338	1,752	1,881
Tax %	35%	20%	12%	19%	36%	24%	25%	26%
	-991	-2,733	1,039	1,313	595	1,016	1,322	1,384
Profit to shareholders	-991	-2,733	1,039	1,313	595	1,016	1,322	1,384
YOY Profit Growth %				26.37%	-54.65%	70.61%	30.13%
EPS in Rs	-2.63	-35.71	2.56	1.94	0.88	1.50	1.86	1.95
Gross NPA %	0.14%	0.14%	0.12%	0.07%	0.05%	0.03%	0.02%
Net NPA %	0.08%	0.04%	0.03%	0.02%	0.02%	0.01%	0.01%
Dividend Payout %				16%	55%	13%	4%

Compounded Sales Growth

5 Years:: 11%
3 Years:: 14%
TTM:: 5%

Compounded Profit Growth

3 Years:: 0%
TTM:: 25%

Stock Price CAGR

5 Years:: 2%
3 Years:: -21%
1 Year:: -30%

Return on Equity

4 Years:: 7%
Last Year:: 10%

Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. EPS restated for bonus issues and splits. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.

Balance Sheet

Consolidated figures in ₹ crore, as at 31 March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	6,778	6,778	7,096	7,096
Reserves	8,331	8,756	6,259	7,037
Borrowings	9,018	9,171	11,880	13,952
	1,12,328	1,22,952	1,36,581	1,51,186
Trade payables	811	1,032	1,167	1,094
Total Liabilities	1,36,455	1,47,657	1,61,815	1,79,270
	1,519	1,756	1,798	1,862
Gross block	2,280	2,658	2,839	3,073
Accumulated depreciation	760	902	1,041	1,211
CWIP			19	24
Investments	38,751	43,347	41,922	42,908
	96,184	1,02,553	1,18,075	1,34,476
Cash & equivalents	8,656	9,057	10,189	7,689
Total Assets	1,36,455	1,47,657	1,61,815	1,79,270

Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.

Cash Flows

Consolidated figures in ₹ crore, financial years ending March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1,428	1,746	-2,294	-1,893
Profit for the year	1,313	595	1,016	1,322
Working capital changes	-135	705	-5,284	-4,414
Direct taxes paid	-149	-342	662	-281
	-88	-229	-168	-241
Fixed assets purchased	-90	-229	-167	-241
Fixed assets sold	2	0
	-1,332	-431	3,898	-387
Proceeds from borrowings			3,000
Repayment of borrowings	-1,000
Interest paid	-117	-106	-171	-338
Dividends paid	-210	-325	-136	-50
Net Cash Flow	9	1,086	1,437	-2,521
Free Cash Flow	1,338	1,517	-2,461	-2,134

Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.

Ratios

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE	—	—	—	8.7%	3.9%	7.0%	9.6%
Net margin	-12.5%	-39.2%	14.6%	16.4%	5.5%	8.8%	11.0%
Tax rate	34.9%	19.7%	12.4%	18.9%	36.5%	24.1%	24.6%

ROE = profit for shareholders ÷ average net worth (paid-up capital + reserves, from each year's March results filed with NSE). Interest coverage = (profit before tax + interest) ÷ interest. ROCE = EBIT ÷ (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; working capital days = (current assets − current liabilities) ÷ sales × 365. Balance-sheet ratios are shown for the years whose full balance sheet is available (Yahoo Finance and NSE filings from FY2025).

Shareholding Pattern

Numbers in percentages · as filed with NSE each quarter

Promoters 93.85%
FIIs 0.12%
DIIs 3.79%
Public 2.24%

%	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	98.25%	98.25%	98.25%	98.25%	98.25%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%
	0.01%	0.02%				0.73%	0.25%	0.16%	0.16%	0.15%	0.14%	0.12%
Foreign portfolio investors (Cat. I)	0.01%	0.01%				0.73%	0.25%	0.15%	0.16%	0.15%	0.14%	0.12%
Foreign portfolio investors (Cat. II)		0.01%						0.01%
	0.65%	0.65%	0.65%	0.65%	0.65%	4.32%	4.07%	4.04%	4.00%	3.91%	3.81%	3.79%
Mutual funds	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.11%	0.11%	0.11%	0.11%	0.13%	0.15%
Insurance companies	0.62%	0.62%	0.62%	0.62%	0.62%	1.99%	1.98%	1.97%	1.97%	1.98%	1.96%	1.96%
Banks						2.02%	1.80%	1.77%	1.74%	1.72%	1.63%	1.58%
Alternative investment funds						0.22%	0.18%	0.18%	0.18%	0.09%	0.09%	0.09%
	1.09%	1.08%	1.10%	1.10%	1.10%	1.10%	1.84%	1.96%	1.99%	2.10%	2.20%	2.24%
Retail (up to ₹2 lakh)	0.75%	0.77%	0.84%	0.86%	0.87%	0.81%	1.23%	1.27%	1.30%	1.35%	1.38%	1.41%
HNIs (above ₹2 lakh)	0.21%	0.20%	0.16%	0.15%	0.13%	0.13%	0.39%	0.43%	0.44%	0.48%	0.54%	0.57%
NRIs	0.02%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.04%	0.04%	0.05%	0.05%	0.05%
Bodies corporate	0.06%	0.05%	0.04%	0.03%	0.03%	0.10%	0.11%	0.14%	0.13%	0.13%	0.14%	0.11%
No. of Shareholders	1,56,109	1,84,679	1,91,445	1,99,351	1,99,133	1,99,821	2,22,234	2,22,120	2,22,415	2,22,301	2,21,849	2,22,056

Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.

Mutual funds & institutions holding Punjab & Sind Bank

Holder (above 1%)	Stake
Life Insurance Corporation Of IndiaInsurance	1.33%

As named in the shareholding pattern for Sep 2026 filed with NSE; mutual funds together hold 0.15% of the company. Shareholders below 1% are not named in the filing.

Documents

Announcements

All announcements on NSE →

Annual reports

Credit ratings

Concalls & investor meets

Filings made by the company with NSE; documents open on NSE's website.

Key dates

Ex-dividend date: 21 Jul 2026
Latest quarter: 30 Jun 2026
Financial year end: 31 Mar 2026

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Latest news

In the news

From the company (NSE)

Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.

Questions about Punjab & Sind Bank

What is the share price of Punjab & Sind Bank today?

Punjab & Sind Bank (PSB) last traded at ₹21.29 on NSE (16 Oct 2026, 3:29 PM IST). Prices may be delayed.

What is the market cap of Punjab & Sind Bank?

About ₹15,107 crore at the latest price.

What is the P/E ratio of Punjab & Sind Bank?

About 10.9 times its earnings over the last 12 months.

Is Punjab & Sind Bank a good investment?

We do not give views on individual shares. Whether any share suits you depends on your goals, time horizon and risk appetite; for long-term goals, a diversified mutual fund is often a simpler way to own shares. Investments in securities markets are subject to market risks.

How can I buy Punjab & Sind Bank shares?

You need a trading and demat account with a SEBI-registered stock broker. We can help you open one through Parshvanath Investments, an Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539). We provide execution and account service only, not tips or research.

Important. Prices from NSE via Yahoo Finance. Quarterly and annual results, shareholding and documents are taken from the filings the company made with NSE; balance sheet, cash flow and valuation figures are compiled by Yahoo Finance; ratios are computed by us from them. Figures may be delayed or revised. This page is for information only: it is not research, a recommendation or an offer to buy or sell any security. Investments in securities markets are subject to market risks; read all related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934); share broking is offered through Parshvanath Investments, Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539).

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