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Punjab & Sind Bank

Q2 FY27Banks

Punjab & Sind Bank Q2 FY27: Revenue ₹3,747 Cr, PAT ₹412 Cr

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹21
Market cap₹15.1K Cr
P/E10.9
Updated17 Oct 2026
Read3 min read

Based on Punjab & Sind Bank's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentationreports, not management guidance.

The short version

Quarterly Revenue and Volumes (Q2 Sep’26 vs Sep’25): - Total Interest Income: ₹3,395 Cr, up 13.20% YoY (Page 19) - Net Interest Income: ₹1,162 Cr, up 22.32% YoY (Page 17) - Core Fee Income: ₹2 EBITDA: Not explicitly stated in the presentation.

From Punjab & Sind Bank's Q2 FY27 earnings-call transcript · updated 17 Oct 2026.

Revenue & Sales Performance

  • Quarterly Revenue and Volumes (Q2 Sep’26 vs Sep’25):
  • Total Interest Income: ₹3,395 Cr, up 13.20% YoY (Page 19)
  • Net Interest Income: ₹1,162 Cr, up 22.32% YoY (Page 17)
  • Core Fee Income: ₹246 Cr, up 23.62% YoY (Page 15)
  • Total Income: ₹3,747 Cr, up 11.06% YoY (Page 19)
  • Operating Profit: ₹618 Cr, up 22.38% YoY (Page 17)
  • Net Profit: ₹412 Cr, up 39.66% YoY (Page 17)
  • Digital Transactions: 28.67 Cr, up 9.00% YoY (Page 36)
  • UPI Transactions: 12.01 Cr, up 21.27% YoY (Page 36)
  • Total Deposits: ₹153,312 Cr, up 12.97% YoY (Page 8)
  • Gross Advances: ₹125,919 Cr, up 19.28% YoY (Page 8)
  • Outlook/Guidance for FY'27 (explicit) (Page 45):
  • Deposit Growth: 13-14% YoY
  • Advances Growth: 16-18% YoY
  • Gross NPA: <2.0%
  • Net NPA: <0.65%

2 more points from Punjab & Sind Bank's call on revenue

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Profitability & Margins

See what Punjab & Sind Bank said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The investor presentation does not explicitly describe any capex, capacity expansion, or new plant/project details, including amounts, status, or timelines. The focus is mainly on financial results, business performance, ESG initiatives, capital adequacy, asset quality, segmental lending, and digital product offerings without specific mention of capex or new physical projects.

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Ranked on what management guided this quarter

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3
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4
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5
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Punjab & Sind Bank said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The investor presentation does not explicitly report on order book, order inflow, or pending orders. Based on the provided content, the presentation focuses on: - Financial performance and ratios. - Business mix and growth in deposits, advances, and transactions. - Digital initiatives and adoption metrics. - Treasury operations and investment portfolio. - Asset quality and recovery measures.

2 more points from Punjab & Sind Bank's call on order book

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What Pun. & Sind Bank's management said in earlier quarters

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Frequently Asked Questions

What were Punjab & Sind Bank Q2 FY27 results?

Quarterly Revenue and Volumes (Q2 Sep’26 vs Sep’25): - Total Interest Income: ₹3,395 Cr, up 13.20% YoY (Page 19) - Net Interest Income: ₹1,162 Cr, up 22.32% YoY (Page 17) - Core Fee Income: ₹2 EBITDA: Not explicitly stated in the presentation.

What is Punjab & Sind Bank share price analysis?

Punjab & Sind Bank currently shows a neutral. The stock trades at a P/E of 10.9 with a market cap of ₹15,106 Cr. Investors should review the full earnings analysis for detailed insights.

Is Punjab & Sind Bank planning capital expenditure?

The investor presentation does not explicitly describe any capex, capacity expansion, or new plant/project details, including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.