Punjab & Sind Bank Reports 10.94% YoY Growth in Total Business for Q1 FY26
By Shishta Dutta | Published at: Jul 4, 2025 11:01 AM IST
New Delhi, July 4, 2025: Punjab & Sind Bank (NSE: PSB | BSE: 533295), a public sector lender, has reported a solid 10.94% year-on-year (YoY) growth in its total business for the first quarter ended June 30, 2025 (Q1 FY26). According to provisional figures submitted to the stock exchanges, the bank’s total business reached ₹2,31,129 crore as of June 30, 2025, up from ₹2,08,331 crore in the corresponding period of the previous fiscal year.
Key Financial Highlights (₹ in crore)
| Particulars | Q1 FY26 (Provisional) | Q1 FY25 (Reviewed) | YoY Growth (%) |
|---|---|---|---|
| Total Business | 2,31,129 | 2,08,331 | 10.94 |
| Total Deposits | 1,31,183 | 1,20,593 | 8.78 |
| Gross Advances | 99,946 | 87,738 | 13.91 |
| Credit-Deposit Ratio (CD) | 76.19% | 72.76% | — |
Total Deposits grew by 8.78% year-on-year to ₹1,31,183 crore, while Gross Advances saw a more robust increase of 13.91% year-on-year, reaching ₹99,946 crore. The Credit-Deposit (CD) ratio also improved significantly to 76.19% from 72.76% in the year-ago period. The CD ratio indicates how much of a bank’s deposits are deployed as loans; a higher ratio generally signifies better utilization of funds and more aggressive lending. This improvement reflects enhanced credit deployment by the bank.
These figures are provisional and subject to review by the bank’s Central Statutory Auditors.
Regulatory Disclosure
Punjab & Sind Bank stated that this disclosure is in compliance with Regulation 8 of the SEBI (Prohibition of Insider Trading) Regulations, 2015, and the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, which mandate the fair disclosure of unpublished price-sensitive information.
Share Price Performance
As of 10:30 AM, the shares of Punjab & Sind Bank were trading at ₹33.05, up by 0.70% or ₹0.23. It remains to be seen what the market sentiment will be for the stocks throughout the market session.
What’s Ahead?
Punjab & Sind Bank’s strong growth in advances and improvement in its credit-deposit ratio point toward a more aggressive lending stance. Investors will look forward to the bank’s detailed Q1 FY26 financial results to assess asset quality metrics like GNPA/NNPA ratios, net interest margin (NIM), and profitability trends. Continued growth in loan book and stable deposit mobilisation, especially in low-cost CASA, will be key factors for sustaining momentum. Strategic focus on digital banking and MSME lending may further influence the bank’s growth trajectory in the coming quarters.
REF: https://nsearchives.nseindia.com/corporate/PSB_03072025164910_bsense03072025.pdf
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