NiveshIQ
Punjab & Sind Bank
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Unlock signals — freeAbout Punjab & Sind Bank
Punjab & Sind Bank (PSB) operates as a full‑service retail and corporate bank in India, offering a broad spectrum of deposit products such as savings, current, fixed and salary accounts, alongside a diversified loan portfolio that includes home, auto, education, MSME, agri, and gold loans. The bank’s recent Q1 earnings report showed a net profit of ₹331 crore, underscoring its ability to generate stable returns amid a competitive banking landscape. PSB is actively expanding its digital footprint, partnering with Veefin Solutions for its PSB Xchange platform and enhancing mobile, internet, and UPI services to capture the growing digital‑banking segment. The institution has set an ambitious recovery target of ₹1,000 crore in loan recoveries and plans to open a new unit in GIFT City, position
Financial Highlights
| Metric | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | ₹4,063 Cr +3.81% | ₹5,351 Cr +31.72% | ₹5,589 Cr +4.45% |
| EBITDA Margin | 0.00% | 0.00% | 0.00% |
| Net Profit | ₹595.42 Cr -54.65% | ₹1,016 Cr +70.61% | ₹1,322 Cr +30.13% |
| EPS | ₹0.88 | ₹1.50 | ₹1.86 |
Annual figures in Indian Rupees (Crores). Source: company filings (NSE).
Strategic Outlook
- Q2FY27 results: PAT ₹412 Cr, EPS ₹0.58. Growth context: PAT YoY +39.9%, PAT QoQ +24.3%.
Loan growth, deposit mix, asset quality, and margin stability are the primary forward drivers over the next 2–4 quarters...
FY26 (last completed FY) delivered PAT ₹1, 322 Cr, EPS ₹1.86, and ROE 9.8%, with PAT YoY up 30.1%. The filing is a secur...
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Frequently Asked Questions
What AI signals does NiveshIQ provide for Punjab & Sind Bank?
NiveshIQ detects active intelligence signals for Punjab & Sind Bank (PSB) — including earnings catalysts, relative strength patterns, sector sweeps, and pullback setups. It also shows an Expected Move (1D/1W/1M range based on news, fundamentals and technicals) and a Confidence Score based on historical directional and magnitude accuracy. These are exclusive to NiveshIQ.
What are the key financials for Punjab & Sind Bank?
Punjab & Sind Bank operates in the Financial Services sector with a market capitalisation of ₹1,629,855.9L Cr. Revenue, net profit, EPS and EBITDA margins across the last three annual periods are shown above, sourced from BSE filings.
Does NiveshIQ provide investment advice?
No. NiveshIQ provides educational market intelligence and research context, not investment advice or buy/sell recommendations.