PUNJAB NATIONAL BANK
Quarterly Results Analysis [Mar2026]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 Audited |
Jun2024 Audited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹32,798 Cr | ₹32,889 Cr | ₹32,513 Cr | ₹32,572 Cr | ₹32,523 Cr | ₹31,895 Cr | ₹30,447 Cr | ₹29,145 Cr |
| Other Income | ₹4,080 Cr | ₹5,013 Cr | ₹4,171 Cr | ₹5,427 Cr | ₹4,776 Cr | ₹3,392 Cr | ₹4,664 Cr | ₹3,615 Cr |
| Interest Expended | ₹22,219 Cr | ₹22,164 Cr | ₹21,858 Cr | ₹21,828 Cr | ₹21,640 Cr | ₹20,738 Cr | ₹19,790 Cr | ₹18,536 Cr |
| Expenses | ₹7,138 Cr | ₹8,168 Cr | ₹7,671 Cr | ₹8,852 Cr | ₹8,771 Cr | ₹7,897 Cr | ₹8,312 Cr | ₹7,570 Cr |
| Operating Income | ₹7,521 Cr | ₹7,570 Cr | ₹7,155 Cr | ₹7,319 Cr | ₹6,888 Cr | ₹6,652 Cr | ₹7,009 Cr | ₹6,654 Cr |
| Provisions and contingencies | ₹380 Cr | ₹1,130 Cr | ₹628 Cr | ₹345 Cr | ₹371 Cr | ₹-403 Cr | ₹280 Cr | ₹903 Cr |
| Profit Before Tax | ₹7,141 Cr | ₹6,440 Cr | ₹6,527 Cr | ₹6,973 Cr | ₹6,518 Cr | ₹7,055 Cr | ₹6,729 Cr | ₹5,751 Cr |
| Profit After Tax | ₹5,225 Cr | ₹5,190 Cr | ₹4,849 Cr | ₹1,832 Cr | ₹4,643 Cr | ₹4,649 Cr | ₹4,432 Cr | ₹3,716 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹4.87 | ₹4.83 | ₹4.46 | ₹1.84 | ₹4.34 | ₹4.18 | ₹4.10 | ₹3.61 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | -3.1% | 3.8% | 6.1% |
| STATE BANK OF INDIA | -2.9% | 4.1% | 31.6% |
| BANK OF BARODA | -1.7% | 4.5% | 4.8% |
| INDIAN OVERSEAS BANK | -1.1% | 6.7% | -8.9% |
| UNION BANK OF INDIA | -4% | -4.7% | 27.5% |
| CANARA BANK | -2% | 5.5% | 35.7% |
| INDIAN BANK | -5.3% | -4.5% | 43.8% |
| UCO BANK | 0.7% | 11.7% | -17% |
| BANK OF INDIA | -3.9% | -2.2% | 17.7% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | -1.36 % |
| Y-o-Y | -2.80 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2026 | ₹10,579 Cr | -1.36 | |
| Dec2025 | ₹10,725 Cr | 0.66 | |
| Sep2025 | ₹10,655 Cr | -0.83 | |
| Jun2025 | ₹10,744 Cr | -1.28 | |
| Mar2025 | ₹10,884 Cr | -2.45 | |
| Dec2024 | ₹11,157 Cr | 4.69 | |
| Sep2024 | ₹10,657 Cr | 0.46 | |
| Jun2024 | ₹10,608 Cr | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -0.65 % |
| Y-o-Y | 9.19 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Mar2026 | ₹7,521 Cr | -0.65 | |
| Dec2025 | ₹7,570 Cr | 5.81 | |
| Sep2025 | ₹7,155 Cr | -2.24 | |
| Jun2025 | ₹7,319 Cr | 6.24 | |
| Mar2025 | ₹6,888 Cr | 3.56 | |
| Dec2024 | ₹6,652 Cr | -5.10 | |
| Sep2024 | ₹7,009 Cr | 5.34 | |
| Jun2024 | ₹6,654 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 0.72 % |
| Y-o-Y | 12.34 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 71.1% | 0.72 | |
| Dec2025 | 70.59% | 5.12 | |
| Sep2025 | 67.15% | -1.42 | |
| Jun2025 | 68.12% | 7.63 | |
| Mar2025 | 63.29% | 6.16 | |
| Dec2024 | 59.62% | -9.35 | |
| Sep2024 | 65.77% | 4.86 | |
| Jun2024 | 62.72% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 0.68 % |
| Y-o-Y | 12.54 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹5,225 Cr | 0.68 | |
| Dec2025 | ₹5,190 Cr | 7.04 | |
| Sep2025 | ₹4,849 Cr | 164.63 | |
| Jun2025 | ₹1,832 Cr | -60.54 | |
| Mar2025 | ₹4,643 Cr | -0.12 | |
| Dec2024 | ₹4,649 Cr | 4.89 | |
| Sep2024 | ₹4,432 Cr | 19.26 | |
| Jun2024 | ₹3,716 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 0.95 % |
| Y-o-Y | 11.55 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 15.93 % | 0.95 | |
| Dec2025 | 15.78 % | 5.84 | |
| Sep2025 | 14.91 % | 164.83 | |
| Jun2025 | 5.63 % | -60.57 | |
| Mar2025 | 14.28 % | -1.99 | |
| Dec2024 | 14.57 % | 0.07 | |
| Sep2024 | 14.56 % | 14.20 | |
| Jun2024 | 12.75 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 0.83 % |
| Y-o-Y | 12.21 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹4.87 | 0.83 | |
| Dec2025 | ₹4.83 | 8.30 | |
| Sep2025 | ₹4.46 | 142.39 | |
| Jun2025 | ₹1.84 | -57.60 | |
| Mar2025 | ₹4.34 | 3.83 | |
| Dec2024 | ₹4.18 | 1.95 | |
| Sep2024 | ₹4.1 | 13.57 | |
| Jun2024 | ₹3.61 | - | |
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