Punjab and Sind Bank Q1 FY27: Profit rises 23 percent as loan growth stays strong and NPAs fall
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Total business was INR 2,66,420 crore, up 15.27% year on year.
Total deposits were INR 1,47,130 crore, up 12.16% YoY, and gross advances were INR 1,19,290 crore, up 19.35% YoY.
Net interest income was INR 1,038 crore (15.33% YoY), operating profit was INR 545 crore (0.93% YoY), and net profit was INR 331 crore (23.05% YoY).
Gross NPA was 2.21% and net NPA was 0.65% as of Jun 2026. PCR with technical write-offs was 92.33%.
RAM was 60.02% of total advances. RAM advances were INR 71,596 crore, up 32.66% YoY.
Non-interest income fell to INR 332 crore from INR 469 crore YoY, driven mainly by a sharp decline in profit on sale of investments to INR 10 crore from INR 208 crore YoY, along with lower recoveries in written-off accounts.
Guidance included deposit growth of 13-14% YoY, advances growth of 16-18% YoY, RAM share above 60%, gross NPA below 2.0%, net NPA below 0.65%, PCR 92-93%, recovery and upgradation above INR 1000 crore, and annualised credit cost and slippage ratio below 1%.
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