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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Punjab National Bank

PNB Q1 FY27 Net Profit ₹5,253 Crore, Global Business up 10.2%

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 18 Jul 2026, 12:52 PM IST  ·  BSE ID: bdfe35a4-643c-405d-9b8f-a95687893d8a
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab National Bank reported significantly higher profits and improved asset quality for the first quarter of fiscal year 2027.
🤖 AI Summary
  • Punjab National Bank's Net Profit increased 213.6% Y-o-Y to ₹5,253 Crore in Q1 FY'27.
  • Return on Assets (RoA) improved by 67 BPS to 1.04% in Q1 FY'27 over Q1 FY'26.
  • Global Business grew by 10.2% Y-o-Y to ₹29.98 Lakh Crore as on June'26.
  • Gross Non-Performing Assets (GNPA) ratio improved to 2.78% as on June'26 from 3.78% in June'25.
  • Net Non-Performing Assets (NNPA) ratio improved to 0.28% as on June'26 from 0.38% in June'25.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (Q1 FY'27)
₹5,253 Crore
213.6%
Net Profit (Q1 FY'26)
₹1,675 Crore
RoA (Q1 FY'27)
1.04%
Global Business (June'26)
₹29.98 Lakh Crore
10.2%
Global Advances (June'26)
₹12,73,132 Crore
12.7%
Global Deposits (June'26)
₹17.24 Lakh Crore
8.5%
GNPA ratio (June'26)
2.78%
NNPA ratio (June'26)
0.28%
Operating Profit (Q1 FY'27)
₹7,519 Crore
6.2%
🏢 How This Affects the Company
📈
Business Impact
The bank's global business expanded by 10.2% Y-o-Y, driven by 12.7% growth in global advances and 8.5% growth in global deposits.
💰
Financial Impact
Net profit increased by 213.6% Y-o-Y to ₹5,253 Crore, while the RoA improved to 1.04%, indicating enhanced profitability.
⚙️
Operational Impact
Business per employee improved to ₹29.71 Crore, and business per branch reached ₹278.28 Crore, reflecting increased efficiency.
⚠️
Risk Impact
The Gross NPA ratio improved by 100 bps to 2.78%, and Net NPA ratio improved by 10 bps to 0.28%, reducing credit risk.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results press release.
👤
Who Is Affected
All existing shareholders are affected by the improved financial performance, particularly the increased profitability and asset quality of the bank.
🔍
Management Signal
The financial results indicate management's focus on profitability, asset quality improvement, and expanding credit growth in specific segments.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q2 FY27 financial results — observe sustained profit growth and asset quality.
Global business figures for Q2 FY27 — check growth in deposits and advances.
Net Interest Margin trend — monitor for further improvement in Q2 FY27.
LOW RISK Improved asset quality and robust profit growth reduce immediate financial risks for the bank.
💡 Investor Takeaway
Punjab National Bank reported Q1 FY'27 net profit of ₹5,253 Crore, up 213.6% Y-o-Y from ₹1,675 Crore. Global business grew 10.2% Y-o-Y to ₹29.98 Lakh Crore. GNPA ratio improved to 2.78% from 3.78% Y-o-Y.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit surged by 213.6% Y-o-Y to ₹5,253 Crore in Q1 FY'27, reflecting a significant improvement in profitability.
  • Gross NPA ratio improved by 100 bps Y-o-Y to 2.78% and Net NPA ratio by 10 bps to 0.28%, indicating stronger asset quality.

⚠️ Concerns

  • Global Net Interest Margin improved only marginally to 2.50% in Q1 FY’27 from 2.47% in Q4 FY’26.
  • Total Interest Income growth was 2.3% on Q-o-Q basis, reaching ₹32,897 Crore in Q1 FY'27 from ₹32,157 Crore in Q4 FY'26.
📅 Company Track Record
In a prior filing on 2026-07-18, PNB's Q1 FY27 net profit (standalone) was Rs. 525329 lacs with Net NPA at 0.28%. On 2026-04-02, PNB's FY26 global business reached Rs. 28,91,528 million with 10.79% growth, while CAR was 73.70%.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Punjab National Bank's net profit in Q1 FY'27?
Punjab National Bank reported a net profit of ₹5,253 Crore in Q1 FY'27, a 213.6% Y-o-Y increase from ₹1,675 Crore in Q1 FY'26.
What is Punjab National Bank's Global Business as of June'26?
Punjab National Bank's Global Business grew by 10.2% on a Y-o-Y basis to ₹29.98 Lakh Crore as on June'26.
How did Punjab National Bank's asset quality change in Q1 FY'27?
The Gross Non-Performing Assets (GNPA) ratio improved by 100 bps Y-o-Y to 2.78% as on June'26, and the Net Non-Performing Assets (NNPA) ratio improved by 10 bps Y-o-Y to 0.28%.
What was the growth in Punjab National Bank's Global Advances in Q1 FY'27?
Global Advances increased by 12.7% on a Y-o-Y basis to ₹12,73,132 Crore as on June'26 from ₹11,29,898 Crore as on June'25.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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