Punjab and Sind Bank Q4 FY26: Profit rises as asset quality improves and retail-led growth deepens
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Total business was 2,63,652 crore at March 2026, up 14.94% YoY, as per the investor presentation.
Deposits grew 12.37% YoY to 1,45,829 crore and gross advances grew 18.29% YoY to 1,17,823 crore at March 2026.
Operating profit was 2,182 crore (up 5.16% YoY) and net profit was 1,322 crore (up 30.12% YoY). Net interest income was 3,812 crore (up 0.74% YoY).
Gross NPA improved to 2.40% from 3.38% YoY and net NPA improved to 0.79% from 0.96% YoY. Slippage ratio for FY26 was stated at 0.70% and credit cost at 0.06% in the highlights slide.
Management guided for FY27 deposit growth of 13-14%, advances growth of 16-18%, RAM above 60%, gross NPA below 2.0%, net NPA below 0.65%, PCR 92-93%, and recovery and upgradation above 1,000 crore.
The bank highlighted PSB UniC app enhancements, multiple digital loan products, and fraud control measures including i4C integration, RBIH Mule Hunter, EFRMS, and a Resilience Operations Centre under implementation.
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