Home > Annual Financials > PUNJAB & SIND BANK

PUNJAB & SIND BANK Financial Statement Analysis
[BOM: 533295|NSE : PSB]

The Net Interest Income of PUNJAB & SIND BANK have decreased by -4.45% YoY .
The Earnings Per Share (EPS) of PUNJAB & SIND BANK has increased by 62.50 % YoY.
NET INTEREST INCOME
NET INTEREST MARGIN
PROFIT AFTER TAX
EPS
ROCE

PUNJAB & SIND BANK Last 5 Annual Financial Results
[BOM: 533295|NSE : PSB]

StandaloneMar2025
Mar2024
Mar2023
Mar2022
Mar2021
Interest Earned ₹9,694 Cr₹7,993 Cr₹7,096 Cr₹6,974 Cr₹7,930 Cr
Other Income ₹1,221 Cr₹940 Cr₹959 Cr₹904 Cr₹897 Cr
Interest Expended ₹6,853 Cr₹5,019 Cr₹4,444 Cr₹4,712 Cr₹5,872 Cr
Operating Expenses ₹2,932 Cr₹2,463 Cr₹2,281 Cr₹2,393 Cr₹1,858 Cr
Profit Before Tax ₹937 Cr₹1,620 Cr₹1,187 Cr₹-3,404 Cr₹-1,522 Cr
Profit After Tax ₹595 Cr₹1,313 Cr₹1,039 Cr₹-2,733 Cr₹-991 Cr
Earnings Per Share (Rs)₹1.43₹0.88₹1.94₹1.53₹-6.74
NIM2.472.032.322.362.23
ROE(%)7.594.159.6210.12-45.11
ROCE(%)7.405.989.4710.37-31.74
Advances Growth17.607.7020.734.414.33
Net NPAs (funded) to Net Advances (%)0.961.631.842.744.04

Key Financials

Market Cap : ₹ 20,690.8 Cr
Revenue (TTM) : ₹ 11,739.7 Cr
Net Profit(TTM) : ₹ 1,103.5 Cr
EPS (TTM) : ₹ 1.6
P/E (TTM) : 18.8

Industry Peers & Returns1W1M1Y
PUNJAB & SIND BANK 2.6% 4.3% -50%
STATE BANK OF INDIA 1.1% 1.7% 3.4%
PUNJAB NATIONAL BANK 2.8% 2.1% -5.1%
BANK OF BARODA 1.8% -0.5% -0.5%
INDIAN OVERSEAS BANK 4.3% 10.5% -33%
UNION BANK OF INDIA 4.5% 1.2% 5%
CANARA BANK 4.3% 2.6% 4.5%
INDIAN BANK 4.1% 6.2% 28.3%
UCO BANK 2.4% 3.8% -41.7%


PUNJAB & SIND BANK Net Interest Income
[BOM: 533295|NSE : PSB]

Y-o-Y

-4.45 %

5 Yr CAGR

8.40 %

Years Net Interest Income % Change
Mar2025 ₹2,841 Cr
-4.45
Mar2024 ₹2,973 Cr
12.15
Mar2023 ₹2,651 Cr
17.22
Mar2022 ₹2,262 Cr
9.93
Mar2021 ₹2,058 Cr -

PUNJAB & SIND BANK Net Interest Margin (NIM)
[BOM: 533295|NSE : PSB]

Net Interest Margins
Y-o-Y

21.67 %

5 Yr CAGR

2.59 %

Years Net Interest Margin% % Change
Mar2025 2.47%
21.67
Mar2024 2.03%
-12.50
Mar2023 2.32%
-1.69
Mar2022 2.36%
5.83
Mar2021 2.23% -

PUNJAB & SIND BANK Profit After Tax
[BOM: 533295|NSE : PSB]

Y-o-Y

-54.65 %

5 Yr CAGR

Positive

Years Profit After Tax % Change
Mar2025 ₹595 Cr
-54.65
Mar2024 ₹1,313 Cr
26.37
Mar2023 ₹1,039 Cr
Positive
Mar2022 ₹-2,733 Cr
Negative
Mar2021 ₹-991 Cr -

PAT Margins
Y-o-Y

-52.54 %

5 Yr CAGR

Positive

Years PAT Margin(%) % Change
Mar2025 20.96 %
-52.54
Mar2024 44.16 %
12.68
Mar2023 39.19 %
Positive
Mar2022 -120.82 %
Negative
Mar2021 -48.15 % -

PUNJAB & SIND BANK Earnings Per Share (EPS)
[BOM: 533295|NSE : PSB]

Y-o-Y

62.50 %

5 Yr CAGR

Positive

Years EPS % Change
Mar2025 ₹1.43
62.50
Mar2024 ₹0.88
-54.64
Mar2023 ₹1.94
26.80
Mar2022 ₹1.53
Positive
Mar2021 ₹-6.74 -

PUNJAB & SIND BANK Return on Capital Employed (ROCE)
[BOM: 533295|NSE : PSB]

Y-o-Y

23.75 %

5 Yr CAGR

Positive

Years ROCE % Change
Mar2025 7.4%
23.75
Mar2024 5.98%
-36.85
Mar2023 9.47%
-8.68
Mar2022 10.37%
Positive
Mar2021 -31.74% -

PUNJAB & SIND BANK Share Price vs Sensex

Current Share Price : ₹29.2
Current MarketCap: ₹ 20,690.8 Cr
Updated EOD on :Sep 10,2025

Share Price Returns(%) 1 Week 1 Month 1 Year
PUNJAB & SIND BANK

2.6%

4.3%

-50%

SENSEX

1.1%

1%

-0.9%

PUNJAB & SIND BANK related INDICES

BSE Indices1W1M1Y
BSE ALLCAP 6.4% 8.9% 7.5%
BSE MIDSMALLCAP 4.7% 9% 8.4%
BSE LARGEMIDCAP 4.5% 7.2% 8.3%
BSE FINANCIAL SERVICES 1.4% -0.4% 6.1%
BSE 250 LARGEMIDCAP INDEX 1% 1.7% -2.8%
NSE Indices1W1M1Y
NIFTY PSU BANK 1.5% 1.7% 1.8%

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FAQ about PUNJAB & SIND BANK Financials


How the annual revenues of PUNJAB & SIND BANK have changed ?

The Net Interest Income of PUNJAB & SIND BANK have decreased by -4.45% YoY .

How the Earnings per Share (EPS) of PUNJAB & SIND BANK have changed?

The Earnings Per Share (EPS) of PUNJAB & SIND BANK has increased by 62.50 % YoY .