Punjab & Sind Bank Q1 FY27 results (Apr–Jun 2026) and concall

Financial Services · Concall AI · Call held 20 Jul 2026

Company page: Punjab & Sind Bank share price, financials & guidance record

Punjab & Sind Bank reported a robust Q1 FY27 with strong advances growth and improved asset quality, leading to a 23.05% increase in net profit. While core NII showed healthy growth, operating profit remained flat due to treasury fluctuations. The bank is proactively provisioning for ECL and rebalancing its portfolio towards high-yielding RAM segments, despite some QoQ subdued growth and MSME slippages.

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What they filed

Q1 FY27: revenue up 10.4%, net profit up 23.4% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
Revenue	2,931	3,159	2,911	2,999	3,042 +4%	3,030 −4%	3,213 +10%
Expenses	902	1,356	1,046	967	1,037	787	920
Other income	338	677	469	374	507	427	332
Interest	1,992	2,037	2,010	2,049	2,056	2,055	2,175
Depreciation	0	0	0	0	0	0	0
Profit before tax	375	442	323	357	456 +22%	615 +39%	451 +40%
Tax rate	25%	29%	17%	18%	26%	31%	27%
Net profit	282	313	269	295	336 +19%	422 +35%	332 +23%
EPS	0.42	0.44	0.38	0.42	0.47	0.59	0.47

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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