Punjab & Sind Bank Q2 FY27 Results Explained
In Q2 FY27 (July–September 2026), Punjab & Sind Bank reported a net profit of ₹412 crore, up 39.7% from a year earlier. Gross NPA was 2.09% of loans (#9 of 12 PSU banks, lowest first), CASA ratio 28.8% and capital adequacy 16.55%. On BankersClub's PSU Bank Scorecard it ranks #12 of 12 overall this quarter.
Open P&S in the interactive scorecard Compare P&S with another bank
P&S report card, Q2 FY27
Graded against the other 11 public sector banks this quarter.
Key numbers
| Measure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 | PSU median |
|---|---|---|---|---|
| Business growth (YoY) | 15.7% | – | #8 | 16.6% |
| CASA ratio | 28.8% | down 148 bps | #11 | 36.8% |
| Net interest margin | – | – | – | 2.97% |
| Cost-to-income | 59.2% | down 268 bps | #12 | 47.9% |
| Return on assets | 0.87% | up 15 bps | #11 | 1.12% |
| Gross NPA | 2.09% | down 83 bps | #9 | 1.69% |
| Net NPA | 0.61% | down 22 bps | #12 | 0.30% |
| Provision coverage (excl. TWO) | 71.5% | down 78 bps | #11 | 82.9% |
| Capital adequacy (CRAR) | 16.55% | down 64 bps | #10 | 17.73% |
| Credit cost | 0.17% | down 39 bps | #2 | 0.55% |
| Business per employee | ₹26.4 crore | – | #10 | ₹34.4 crore |
| Profit per employee | ₹15.6 lakh | – | #10 | ₹25.3 lakh |
Size of the bank
| Figure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 |
|---|---|---|---|
| Total business | ₹2.79 lakh crore | up 15.7% | #12 |
| Deposits | ₹1.53 lakh crore | up 13.0% | #12 |
| Advances | ₹1.26 lakh crore | up 19.3% | #12 |
| Gross NPA amount | ₹2,636 crore | down 14.5% | #1 |
| Operating profit | ₹618 crore | up 22.4% | #12 |
| Net profit | ₹412 crore | up 39.7% | #12 |
The quarter at a glance
What went right
- Gross NPA down 83 bps from a year ago to 2.09%, now #9 of 12.
- Net NPA down 22 bps from a year ago to 0.61%, now #12 of 12.
- Return on assets up 15 bps from a year ago to 0.87%, now #11 of 12.
What went wrong
- CASA ratio down 148 bps from a year ago to 28.8%, now #11 of 12.
- Capital adequacy (CRAR) down 64 bps from a year ago to 16.55%, now #10 of 12.
Loan book and deposits
Bar = share of advances or deposits. Growth is against Q2 FY26. Advances are domestic; shares are of the sum of segments. Banks report segments slightly differently; see the methodology.
Quarter by quarter
| Measure | Q2 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Net profit | ₹295 crore | ₹331 crore | ₹412 crore |
| Operating profit | ₹505 crore | ₹545 crore | ₹618 crore |
| Gross NPA | 2.92% | 2.21% | 2.09% |
| Net NPA | 0.83% | 0.65% | 0.61% |
| Net interest margin | – | – | – |
| Return on assets | 0.71% | 0.73% | 0.87% |
| CASA ratio | 30.3% | 30.1% | 28.8% |
| Capital adequacy (CRAR) | 17.19% | 17.61% | 16.55% |
| Cost-to-income | 61.9% | 60.2% | 59.2% |
Compare with similar-sized banks
- UCO Bank (#6 overall)
- Bank of Maharashtra (#1 overall)
- Indian Overseas Bank (#2 overall)
- Central Bank of India (#8 overall)
Source and method
Standalone figures from Punjab & Sind Bank’s own Q2 FY27 filing (Punjab & Sind Bank investor presentation Q2 FY27 (NSE)), checked against the bank’s reported ratios. Ratios are recalculated the same way for all 12 banks where the filing allows. How the scorecard works. Not investment advice.
Last updated 12 November 2026.
Frequently asked questions
What was Punjab & Sind Bank's net profit in Q2 FY27?
Punjab & Sind Bank reported a standalone net profit of ₹412 crore in Q2 FY27 (July–September 2026), up 39.7% from Q2 FY26.
What is Punjab & Sind Bank's gross NPA ratio?
Gross NPA was 2.09% of loans at the end of Q2 FY27, ranking #9 of 12 public sector banks (lowest first). Net NPA was 0.61%.
How does Punjab & Sind Bank rank among public sector banks?
On BankersClub's PSU Bank Scorecard, Punjab & Sind Bank ranks #12 of 12 overall in Q2 FY27, based on growth, return on assets, gross NPA, capital adequacy, CASA ratio and cost-to-income.
What is Punjab & Sind Bank's CASA ratio?
Punjab & Sind Bank's CASA ratio was 28.8% in Q2 FY27, #11 of 12 public sector banks.
Where does this data come from?
From Punjab & Sind Bank's own Q2 FY27 results filing, using standalone figures. Every ratio is recalculated the same way for all 12 public sector banks where the filing allows.