Results for the Quarter ended June 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 18 Jul 2026, 05:55 PM IST · BSE ID: 9a645e5b-289f-42a1-bc30-a623055ff453
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab & Sind Bank announced its first quarter financial results, reporting increased profit and total income compared to the same period last year.
🤖 AI Summary
- Punjab & Sind Bank reported a Net Profit of Rs. 33151 Lacs for the quarter ended June 30, 2026.
- Total Income for Q1 FY27 was Rs. 354572 Lacs, up from Rs. 337939 Lacs in Q1 FY26.
- Gross Non-Performing Assets (NPAs) were 2.21% and Net NPAs were 0.65% as of June 30, 2026.
- Basic and Diluted EPS before extraordinary items stood at Rs. 4.47 for the quarter.
- Capital Adequacy Ratio (Basel III) was 17.61% as of June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (+)/ Loss (-) from Ordinary Activities after tax
33151 Lacs
23.16
TOTAL INCOME
354572 Lacs
4.92
Capital Adequacy Ratio (Basel III)
17.61
Earnings per share (Basic and diluted)
4.47
🏢 How This Affects the Company
The bank's retail banking segment revenue grew to Rs. 156672 Lacs in Q1 FY27 from Rs. 126570 Lacs in Q1 FY26, indicating growth in its customer-facing operations.
Net Profit for Q1 FY27 was Rs. 33151 Lacs, marking a 23.16% increase compared to Rs. 26916 Lacs in Q1 FY26. This improved profitability is supported by a 4.92% rise in Total Income.
The bank's asset quality showed improvement with Gross NPA ratio at 2.21% and Net NPA ratio at 0.65% for Q1 FY27, down from 3.34% and 0.91% respectively in Q1 FY26.
Improved asset quality ratios (Gross NPA down to 2.21% and Net NPA to 0.65%) suggest reduced credit risk compared to the previous year, enhancing overall financial stability.
👥 What This Means For Shareholders
✅
Action Required
No action required. The filing communicates the unaudited financial results for the quarter.
👤
Who Is Affected
All shareholders are affected as these results reflect the bank's financial performance. Basic and diluted EPS before extraordinary items for the period is Rs. 4.47.
🔍
Management Signal
The approval and disclosure of these results signal management's ongoing commitment to financial transparency and compliance with SEBI regulations.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained profit and income growth.
RBI regulatory updates — monitor any new guidelines affecting banking sector.
Asset quality trends — observe if NPA ratios continue to improve in future quarters.
LOW RISK
The financial results indicate improved asset quality and profitability, reducing immediate financial risks.
💡 Investor Takeaway
Punjab & Sind Bank reported a Net Profit of Rs. 33151 Lacs for Q1 FY27, a 23.16% increase YoY from Rs. 26916 Lacs. Total Income rose to Rs. 354572 Lacs, while Gross NPAs reduced to 2.21% and Net NPAs to 0.65%.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit increased by 23.16% to Rs. 33151 Lacs in Q1 FY27 compared to Rs. 26916 Lacs in Q1 FY26.
- Gross NPA ratio improved to 2.21% from 3.34% and Net NPA ratio to 0.65% from 0.91% YoY in Q1 FY27.
⚠️ Concerns
- Provisions (other than tax) and Contingencies increased to Rs. 9399 Lacs in Q1 FY27 from a release of Rs. (7315) Lacs in Q4 FY26.
- Other operating expenses decreased to Rs. 33049 Lacs in Q1 FY27 from Rs. 34527 Lacs in Q1 FY26 but were lower than Rs. 36353 Lacs in Q4 FY26.
📅 Company Track Record
Punjab & Sind Bank's FY26 business reached Rs. 2,63,750 Crore, marking a 14.98% growth, with advances growing faster than deposits. The Q1 FY27 results build on this growth, showing a 23.16% increase in net profit.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Punjab & Sind Bank's net profit in Q1 FY27?
Punjab & Sind Bank reported a Net Profit of Rs. 33151 Lacs for the quarter ended June 30, 2026.
How did Punjab & Sind Bank's total income perform in Q1 FY27?
The Total Income for Punjab & Sind Bank in Q1 FY27 was Rs. 354572 Lacs, up from Rs. 337939 Lacs in Q1 FY26.
What were the Gross and Net NPA ratios for Punjab & Sind Bank as of June 30, 2026?
As of June 30, 2026, Punjab & Sind Bank's Gross Non-Performing Assets were 2.21%, and Net Non-Performing Assets were 0.65%.
What is Punjab & Sind Bank's Capital Adequacy Ratio (Basel III) for Q1 FY27?
Punjab & Sind Bank's Capital Adequacy Ratio (Basel III) stood at 17.61% as of June 30, 2026.
What was the Basic and Diluted EPS for Punjab & Sind Bank in Q1 FY27?
The Basic and Diluted EPS before extraordinary items for Punjab & Sind Bank for Q1 FY27 was Rs. 4.47.
Questions based on this BSE filing only. For information purposes.