NIM guidance of 2.6-2.7% for FY27
Global NIM expected to improve from Q4 FY26 level of 2.47% to 2.6-2.7% in FY27, driven by deposit repricing and RAM mix shift.
PUNJABNATIONALBANK / guidance tracker
Keep management guidance in view.
Punjab National Bank · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
margins
Credit growth of 12-13% for FY27
Loan growth to remain in double digits, supported by strong pipeline of ₹1.18 lakh crore undisbursed corporate sanctions.
Net interest income growth of ~7% for FY27
NI growth expected to trail credit growth due to conservative assumptions on NIM recovery and deposit costs.
Plan to open 250 new branches in FY27
Network expansion focused on southern and western regions to deepen RAM presence.