Psb Bank Share Price: Punjab & Sind Bank Q1 FY27 Performance And Outlook

Nidhi Thakur

July 18, 2026

Key Takeaways

Punjab & Sind Bank posted net profit Rs 331 crore in Q1 FY27, up 23% YoY.
Total income rose to Rs 3,546 crore; interest earned Rs 3,213 crore; net interest income Rs 1,038 crore.
Asset quality improved with gross NPAs at 2.21% and net NPAs at 0.65%, supported by a provision coverage ratio of 92.33%.
Total advances grew 19% YoY to Rs 1,19,290 crore, and total business stood at Rs 2,66,420 crore; ROA 0.73%, CAR 17.61%.

Punjab & Sind Bank, a state-owned lender, posted its Q1 FY27 numbers for the quarter ended June 2026. Net profit rose 23% year-on-year to Rs 331 crore, while total income climbed to Rs 3,546 crore. Interest earned stood at Rs 3,213 crore, and net interest income rose to Rs 1,038 crore, up 15% year-on-year. This combination of higher interest income, improved asset quality, and lower provisions provides a favorable backdrop for the psb bank share price in the near term.

Psb Bank Share Price: Interpreting Punjab &Amp Sind Bank Q1 FY27 Results

Punjab & Sind Bank's Q1 FY27 results reflect a positive momentum. Net profit for the quarter ended June 2026 rose to Rs 331 crore, up 23% year-on-year from Rs 269 crore in the corresponding quarter last year. Total income was Rs 3,546 crore, compared with Rs 3,379 crore a year earlier, supported by an interest earnings run of Rs 3,213 crore and a net interest income of Rs 1,038 crore, up 15% YoY. The gross NPA ratio stood at 2.21% of gross advances at end-June, down from 3.34% a year ago, while net NPAs declined to 0.65% from 0.91%. Provisions and contingencies totaled Rs 94 crore, versus Rs 217 crore in the year-ago quarter, and the provision coverage ratio improved to 92.33% from 91.77%.

The operating profit printed Rs 545 crore, slightly higher than Rs 540 crore in the year-ago quarter. Gross advances rose to Rs 1,19,290 crore, up 19% YoY, while total business stood at Rs 2,66,420 crore, up 15% YoY. ROA came in at 0.73% (vs 0.67% in the year-ago quarter), and the CAR was 17.61% (vs 17.9% a year ago). The narrative drivers indicate that higher interest income, improved asset quality, and lower provisions supported earnings in the June quarter.

From an investor's lens, margins around 2.5% and asset quality trends will matter most as the year unfolds. The psb car metric stood at 17.61% in June 2026, slightly below 17.9% a year ago, indicating the bank's capital cushion remains solid but dynamic. For deeper stock-level insights, you can rely on Swastika's Sarthi AI stock assistant.

Metric	Value
Net Profit (Q1 FY27)	Rs 331 crore
YoY Profit Growth	Up 23%
Total Income	Rs 3,546 crore
Interest Earned	Rs 3,213 crore
Net Interest Income	Rs 1,038 crore
Net Interest Margin	2.53%
Operating Profit	Rs 545 crore
Gross NPAs	2.21%
Net NPAs	0.65%
Provisions	Rs 94 crore
Provision Coverage	92.33%
Gross Advances	Rs 1,19,290 crore
Total Business	Rs 2,66,420 crore
ROA	0.73%
CAR	17.61%

The June quarter narrative underscores how higher interest income, improved asset quality, and lower provisions supported earnings. The bank's margin remained resilient, and capital ratios stayed robust, with ROA at 0.73% and CAR at 17.61%. In the next section, we unpack what these dynamics mean for retail investors and the stock’s potential trajectory.

Asset Quality Trends And Provisions

Punjab & Sind Bank's asset quality improved meaningfully in Q1 FY27. Gross NPAs were 2.21% of gross advances at end-June 2026, down from 3.34% a year ago. Net NPAs declined to 0.65% from 0.91% in the year-ago quarter. Provisions and contingencies totaled Rs 94 crore, versus Rs 217 crore a year earlier, and the provision coverage ratio rose to 92.33% from 91.77%.

These numbers reflect a cleaner balance sheet, supporting a more stable earnings path and reducing credit costs going forward. The improvement in asset quality, along with a higher NIM and controlled provisioning, provides a supportive backdrop for the psb bank share price as investors reassess risk and growth prospects.

Balance Sheet And Growth: Advances, Total Business, ROA And CAR

Gross advances rose to Rs 1,19,290 crore in Q1 FY27, up 19% YoY, while total business stood at Rs 2,66,420 crore, up 15% YoY. ROA expanded to 0.73% from 0.67% a year ago, and the CAR stood at 17.61% (vs 17.9% a year ago), indicating a robust capital position. The combination of strong loan growth and a robust capital position supports sustainable earnings momentum.

Investors can monitor margins and asset-quality trajectories across subsequent quarters. A watchful eye on NIM around 2.5% and on continued loan growth will help gauge whether this momentum sustains into the next quarters.

Frequently Asked Questions

What were Punjab & Sind Bank's Q1 FY27 results?

Net profit Rs 331 crore; total income Rs 3,546 crore; interest earned Rs 3,213 crore; net interest income Rs 1,038 crore; NIM 2.53%; gross NPAs 2.21%; net NPAs 0.65%; provisions Rs 94 crore; provision coverage 92.33%; gross advances Rs 1,19,290 crore; total business Rs 2,66,420 crore; ROA 0.73%; CAR 17.61%.

How did asset quality change YoY in Q1 FY27?

Gross NPAs fell to 2.21% of gross advances from 3.34% a year ago; net NPAs declined to 0.65% from 0.91%; provision coverage rose to 92.33% from 91.77%.

What are the key growth indicators in Q1 FY27?

Total income Rs 3,546 crore; interest earned Rs 3,213 crore; net interest income Rs 1,038 crore; gross advances Rs 1,19,290 crore (up 19% YoY); total business Rs 2,66,420 crore (up 15% YoY); ROA 0.73%; CAR 17.61%.

What is the significance for retail investors about the psb bank share price?

Improved profitability and asset quality, along with a robust capital base, can support the psb bank share price in the near term; investors should monitor NIM around 2.5% and any changes in loan growth and credit costs.

What is the capital adequacy status of Punjab & Sind Bank?

CAR stands at 17.61% in Q1 FY27, slightly below 17.9% a year ago, indicating a robust but evolving capitalization.

Conclusion

The Q1 FY27 numbers place Punjab & Sind Bank on a more durable profitability path, anchored by higher interest income, better asset quality, and disciplined provisioning. For the retail investor, this translates into a potentially steadier psb bank share price trajectory, supported by a robust ROA and capital base. The next step is to monitor quarterly results for continued margin stability, asset-quality trends, and loan growth to assess whether momentum can be sustained into the next two quarters.

As a practical mental model, consider tracking the ratio of loan growth to provisioning and the direction of NIM as early indicators of earnings trajectory. For deeper stock-level insights, you can consult Swastika's Sarthi AI stock assistant.

Open your trading and demat account here

Reference :

1 : Ndtvprofit

DISCLAIMER:

^{The information contained herein are strictly confidential and are meant solely for the information of the recipient and shall not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written permission of Swastika Investmart Ltd. (“SIL”). The contents of this document are for information purpose only. This document is not an investment advice and must not alone be taken as the basis for an investment decision. Before taking any decision to invest, the recipient of this document must read carefully the Red Herring Prospectus (“RHP”) issued to know the details of IPO and various risks and uncertainties associated with the investment in the IPO of the Company. All recipients of this document must before acting on the given information/details, make their own investigation and apply independent judgment based on their specific investment objectives and financial position. They can also seek appropriate professional advice from their own legal and tax consultants, advisors, etc. to understand the risks and investment considerations arising from such investment. The investor should possess appropriate resources to analyze such investment and the suitability of such investment to such investor’s particular circumstances before making any decisions on the investment. The Investor shall be solely responsible for any action taken based on this document. SIL shall not be liable for any direct or indirect losses arising from the use of the information contained in this document and accept no responsibility for statements made otherwise issued or any other source of information received by the investor and the investor would be doing so at his/her/its own risk. The information contained in this document should not be construed as forecast or promise or guarantee or assurance of any kind. The investors are not being offered any assurance or guaranteed or fixed returns on their investments. The users of this document must bear in mind that past performances if any, are not indicative of future results. The actual returns on investment may be materially different than the past. Investments in Securities market products and instruments including in the IPO of the Company are highly risky and they are generally not an appropriate avenue for someone with limited resources/ limited investment and low risk tolerance. Such Investments are subject to market risks including, without limitation, price, volatility and liquidity and capital risks. Therefore, the users of this document must carefully consider all the information given in the RHP including the risks factors before making any investment in the Equity Shares of the Company.Swastika Investmart Ltd or its analysts did not receive any compensation or other benefits from the companies mentioned in the report or third party in connection with preparation of the research report. Accordingly, neither Swastika Investmart Ltd nor Research Analysts have any material conflict of interest at the time of publication of this report. Compensation of our Research Analysts is not based on any specific merchant banking, investment banking or brokerage service transactions. Swastika Investment Ltd may have issued other reports that are inconsistent with and reach different conclusion from the information presented in this report. Research entity has not been engaged in market making activity for the subject company. Research analyst has not served as an officer, director or employee of the subject company. We have not received any compensation/benefits from the Subject Company or third party in connection with the Research Report.CORPORATE & ADMINISTRATIVE OFFICE - 48, Jaora Compound, M.Y.H. Road, Indore - 452 001 | Phone 0731 - 6644000 Compliance Officer: Dimple Soni. Email: compliance@swastika.co.in Phone: (0731) 6644 241 Swastika Investmart Limited, SEBI Reg. No. : NSE/BSE/MSEI: INZ000192732 Merchant Banking: INM000012102 Investment Adviser: INA000009843 MCX/NCDEX: INZ000072532 CDSL/NSDL: IN-DP-115-2015 RBI Reg. No.: B-03-00174 IRDA Reg. No.: 713. Research Analyst Registration Number: INH000024073}