FINANCIAL RESULTS FOR THE QUARTER ENDED 30th June 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 18 Jul 2026, 06:10 PM IST · BSE ID: bb8dadfb-8709-458e-b221-1da60fe24a49
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab & Sind Bank's Q1 FY27 profit increased, driven by higher income and better asset quality.
🤖 AI Summary
- Punjab & Sind Bank's Net Profit increased by 23.05% year-on-year to ₹331 Cr. for Q1 FY27.
- Net Interest Income grew by 15.33% to ₹1038 Cr., compared to ₹900 Cr. in Q1 FY26.
- Gross NPA decreased by 113 bps to 2.21%, and Net NPA reduced by 26 bps to 0.65%.
- Total Business expanded by 15.27% to ₹266420 Cr., with Total Advances growing 19.35%.
- Provision Coverage Ratio improved by 56 bps to 92.33% from 91.77% in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit
₹331 Cr.
23.05%
Net Interest Income
₹1038 Cr.
15.33%
Total Business
₹266420 Cr.
15.27%
Total Advances
₹119290 Cr.
19.35%
Gross NPA (%)
2.21%
(113) bps
Net NPA (%)
0.65%
(26) bps
Provision Coverage Ratio
92.33 %
56 bps
Return on Assets (%)
0.73%
6 bps
Return on Equity (%)
10.85%
118 bps
🏢 How This Affects the Company
Total Business for Punjab & Sind Bank grew by 15.27% to ₹266420 Cr., with Total Advances increasing by 19.35% and RAM advances by 32.66%. Retail, Agriculture, and MSME advances saw growth of 36.44%, 25.85%, and 32.71% respectively.
Net Profit for Q1 FY27 stood at ₹331 Cr., a 23.05% year-on-year increase. Net Interest Income rose by 15.33% to ₹1038 Cr. Return on Assets improved by 6 bps to 0.73% and Return on Equity by 118 bps to 10.85%.
The bank's Cost to Income ratio reduced by 34 bps to 60.21%, indicating an improvement in operational efficiency.
Asset quality improved significantly with Gross NPA decreasing by 113 bps to 2.21% and Net NPA by 26 bps to 0.65%. The Provision Coverage Ratio also increased by 56 bps to 92.33%, reducing credit risk exposure.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected as these results reflect the bank's operational and financial performance for the quarter, impacting key metrics like Return on Equity which improved by 118 bps to 10.85%.
🔍
Management Signal
The focus on improving asset quality, expanding advances, and managing the Cost to Income ratio indicates a strategy aimed at sustainable profitability and balance sheet strength.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — monitor Net Profit and Net Interest Income growth.
Upcoming disclosures on advances portfolio quality and NPA trends.
Updates on deposit growth, particularly retail term deposits, in next quarter.
LOW RISK
Improved asset quality and profitability ratios signal reduced immediate risks.
💡 Investor Takeaway
Punjab & Sind Bank reported Q1 FY27 Net Profit of ₹331 Cr., up 23.05% year-on-year from ₹269 Cr. Asset quality improved, with Gross NPA at 2.21% and Net NPA at 0.65%, alongside a 15.27% growth in Total Business to ₹266420 Cr.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit increased by 23.05% to ₹331 Cr. in Q1 FY27, demonstrating growth in earnings.
- Gross NPA decreased by 113 bps to 2.21% and Net NPA decreased by 26 bps to 0.65%, indicating improved asset quality.
📅 Company Track Record
In Q1 FY27, Punjab & Sind Bank's Net Profit increased by 23.05% to ₹331 Cr. This follows FY26, where the bank's total business reached ₹2,63,750 Crore, marking a 14.98% expansion, with advances growing faster than deposits, as reported in past filings.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Punjab & Sind Bank's net profit for Q1 FY27?
Punjab & Sind Bank reported a Net Profit of ₹331 Cr. for the quarter ended June 30, 2026, marking a 23.05% year-on-year increase from ₹269 Cr. in Q1 FY26.
How did Punjab & Sind Bank's asset quality change in Q1 FY27?
In Q1 FY27, Punjab & Sind Bank's Gross NPA decreased by 113 bps to 2.21%, and Net NPA decreased by 26 bps to 0.65% year-on-year. The Provision Coverage Ratio also improved by 56 bps to 92.33%.
What was the growth in Total Business and Advances for Punjab & Sind Bank in Q1 FY27?
Punjab & Sind Bank's Total Business grew by 15.27% year-on-year to ₹266420 Cr. in Q1 FY27. Total Advances increased by 19.35%, and RAM Advances grew by 32.66% during the same period.
What was Punjab & Sind Bank's Net Interest Income for Q1 FY27?
Punjab & Sind Bank reported a Net Interest Income of ₹1038 Cr. for Q1 FY27, showing a year-on-year growth of 15.33% from ₹900 Cr. in Q1 FY26.
Questions based on this BSE filing only. For information purposes.