Highlights
- Punjab & Sind Bank's total business increased 15.33% year-on-year to Rs. 2,66,574 Cr.
- Gross advances recorded 19.50% annual growth, outpacing deposit growth during the quarter.
- The bank's credit-deposit ratio improved to 81.18% as of June 30, 2026.
Punjab & Sind Bank (NSE:PSB) has announced its provisional business figures for the quarter ended June 30, 2026. The bank disclosed the update to the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
According to the filing, the reported figures are provisional and remain subject to review by the Central Statutory Auditors of the bank.
Total Business Grows Over 15% Year-on-Year
The bank reported total business of Rs. 2,66,574 Cr as of June 30, 2026, compared with Rs. 2,31,132 Cr in the corresponding period last year. This represents a year-on-year increase of 15.33%.
The growth in total business reflects expansion across both deposits and advances during the reported period.
Deposits Register Double-Digit Growth
Punjab & Sind Bank's total deposits stood at Rs. 1,47,134 Cr as of June 30, 2026, compared with Rs. 1,31,182 Cr a year earlier. The bank reported year-on-year deposit growth of 12.16%.
The filing did not provide a break-up of deposit categories or additional operational details.
Advances Continue to Expand
Gross advances increased to Rs. 1,19,440 Cr as of June 30, 2026, from Rs. 99,950 Cr reported in the corresponding period of the previous year. This represents year-on-year growth of 19.50%.
The growth in advances exceeded the pace of deposit growth during the reporting period.
Credit-Deposit Ratio Improves
The bank's credit-deposit (CD) ratio stood at 81.18% as of June 30, 2026, compared with 76.19% as of June 30, 2025.
The disclosed figures indicate an increase in the proportion of advances relative to deposits compared with the previous year.
Provisional Figures Subject to Auditor Review
Punjab & Sind Bank stated that the provisional business figures as of June 30, 2026, are subject to review by the Central Statutory Auditors of the bank.
The disclosure was signed by Saket Mehrotra, Company Secretary.
Key Risks
- Asset quality trends may influence future lending performance.
- Deposit mobilisation depends on competitive banking conditions.
- Interest rate movements could affect banking margins.
- Regulatory changes may impact banking operations and credit growth.
Summary
Punjab & Sind Bank reported provisional total business of Rs. 2,66,574 Cr as of June 30, 2026, reflecting year-on-year growth of 15.33%. Total deposits increased 12.16% to Rs. 1,47,134 Cr, while gross advances rose 19.50% to Rs. 1,19,440 Cr. The bank also reported an improvement in its credit-deposit ratio to 81.18%. The disclosed figures remain subject to review by the Central Statutory Auditors.
FAQs
Q: What was Punjab & Sind Bank's total business as of June 30, 2026?
A: The bank reported provisional total business of Rs. 2,66,574 Cr, representing 15.33% year-on-year growth.
Q: How did Punjab & Sind Bank's advances perform during Q1 FY27?
A: Gross advances increased 19.50% year-on-year to Rs. 1,19,440 Cr as of June 30, 2026.
Q: What was the bank's credit-deposit ratio at the end of June 2026?
A: Punjab & Sind Bank reported a credit-deposit ratio of 81.18% as of June 30, 2026, compared with 76.19% a year earlier.