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Where this quarter sits.
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What the record says.
Punjab & Sind Bank reported its highest-ever net profit of ₹1,322 crore for FY26, up 30.12% YoY, driven by robust business growth (total business +14.94% to ₹2,63,265 crore) and strong asset quality (GNPA 2.40%, NNPA 0.79%). Core fee income grew 22%+ to ₹759 crore, while NIM remained under pressure at 2.55% due to low CASA and repo rate cuts. Management guided for FY27: deposit growth 13-14%, advances growth 16-18%, RAM share >60%, GNPA <2%, and credit cost <1%. NIM is expected to improve to 2.65-2.70% by year-end. Key risks include residual stress in MSME/agriculture segments and potential global economic headwinds impacting small businesses.
Colored figures show movement against the previous available record.
Guidance to track
- Management expects deposit growth in the range of 13-14% for the current financial year.
- Advances are expected to grow 16-18% in FY27, driven by RAM segments.
- Retail, agriculture, and MSME share of total advances is targeted to exceed 60% in FY27.
- Management guided gross NPA ratio to be below 2% for the current financial year.
Risks flagged
- Slippages increased in Q4 due to MSME accounts; management acknowledged residual stress and need for vigilance.
- Analyst raised concern about global challenges affecting MSME cash flows; management agreed prolonged issues could impact.
- Persistently low CASA ratio (below industry average) continues to constrain net interest margin despite improving asset mix.
- CRO estimated ECL impact of ₹600-800 crore over five years; though manageable, it will absorb capital buffers.
Key quotes
- The net profit of 1322 cr has been the highest ever historic profit of the bank over in it in its history. it has grown by 30.12%.
- We intend to achieve three lakh cr by the current financial year. That's our aspiration figure. We have taken a board approval to achieve four lakh cr by financial year FY29.
- Overall impact will be not that much actually what we are expecting anywhere between 600 to 800 K to give a number like although not right to give a number at this point of time.
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