PNB hikes MCLR by 10 bps across all tenures; Bank of India cuts rates by 10 bps
NiveshIQ
Punjab National Bank
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Unlock signals — freeAbout Punjab National Bank
Punjab National Bank (PNB) operates across Treasury, Corporate/Wholesale, Retail, and Other Banking segments, offering a broad suite of products from savings and fixed deposits to corporate loans and export finance. In FY27 Q2, PNB reported revenue of ₹58,955 crore and net income of ₹22,861 crore, reflecting robust earnings growth amid a buoyant PSU bank sentiment. The bank’s retail banking arm drives a significant portion of revenue through personal loans, housing, and gold monetization schemes, while its corporate division focuses on working capital and term loans for SMEs and large corporates. PNB’s competitive edge stems from its extensive branch network and strong government and agricultural loan portfolio, positioning it well against peers like State Bank of India and HDFC Bank. Rece
Financial Highlights
| Metric | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | ₹53,860 Cr +13.95% | ₹59,753 Cr +10.94% | ₹61,394 Cr +2.75% |
| EBITDA Margin | 0.00% | 0.00% | 0.00% |
| Net Profit | ₹9,107 Cr +171.98% | ₹18,480 Cr +102.92% | ₹18,393 Cr -0.47% |
| EPS | ₹8.27 | ₹16.42 | ₹16.00 |
Annual figures in Indian Rupees (Crores). Source: company filings (NSE).
Recent News
PNB Housing aims for a 4x growth in corporate loan book to Rs 3,000 crore
PNB Housing aims for a 4x growth in corporate loan book to Rs 3,000 crore
Strategic Outlook
- Q2FY27 results: PAT ₹5, 898 Cr, EPS ₹5.13. Growth context: PAT YoY +15.1%, PAT QoQ +1.4%. Street verdict: strong beat, PAT surprise +35.2%.
Loan growth, deposit mix, asset quality, and margin stability remain the key forward drivers for the next 2–4 quarters. ...
FY26 (last completed FY): PAT ₹18, 393 Cr, EPS ₹16.00, ROE 15.1%. Year‑on‑year: PAT YoY –0.5%. Punjab National Bank repo...
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Frequently Asked Questions
What AI signals does NiveshIQ provide for Punjab National Bank?
NiveshIQ detects active intelligence signals for Punjab National Bank (PNB) — 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 National Bank?
Punjab National Bank operates in the Financial Services sector with a market capitalisation of ₹14,119,079.8L 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.