Nifty
:
24085.70
Sensex
:
77155.62
96.55 (0.40%)
347.14 (0.45%)
Nifty
Sensex
:
:
24085.70
77155.62
96.55 (0.40%)
347.14 (0.45%)

Punjab National Bank

Bank - Public

Rating :
66/99

BSE: 532461 | NSE: PNB

NSE BSE
108.87
17-Jun-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  108.3
  •  109.2
  •  107.43
  •  107.97
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  22022581
  •  2392732417.2
  •  135.15
  •  98.5

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,25,158.15
  • 6.80
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,71,834.38
  • 2.75%
  • 0.90

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 70.08%
  • 0.41%
  • 6.61%
  • FII
  • DII
  • Others
  • 6.39%
  • 15.65%
  • 0.86%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 416.62

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 34.96
  • 36.22
  • 27.16

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.81
  • 1.02

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.38
  • 11.62
  • 8.38

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.73
  • 0.81
  • 1.02

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 4.00
  • 3.91
  • 4.96

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Interest Earned
32,797.77
32,523.09
0.84%
32,889.23
31,894.80
3.12%
32,512.76
30,447.42
6.78%
32,572.33
29,144.54
11.76%
Interest Exp.
22,218.78
21,639.50
2.68%
22,164.43
20,737.68
6.88%
21,857.86
19,790.35
10.45%
21,828.33
18,536.31
17.76%
Net Interest Income
10,578.99
10,883.59
-2.80%
10,724.80
11,157.12
-3.87%
10,654.90
10,657.07
-0.02%
10,744.00
10,608.23
1.28%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
4,080.25
4,775.93
-14.57%
5,013.43
3,391.63
47.82%
4,171.02
4,664.05
-10.57%
5,426.51
3,615.35
50.10%
Total Income
36,878.02
37,299.02
-1.13%
37,902.66
35,286.43
7.41%
36,683.78
35,111.47
4.48%
37,998.84
32,759.89
15.99%
Operating Exp.
7,138.03
8,771.06
-18.62%
8,167.91
7,897.13
3.43%
7,671.04
8,312.32
-7.71%
8,851.98
7,569.95
16.94%
Operating Profit
7,521.21
6,888.46
9.19%
7,570.32
6,651.62
13.81%
7,154.88
7,008.80
2.08%
7,318.53
6,653.63
9.99%
Provision
379.93
370.67
2.50%
1,130.44
-403.42
-
627.80
280.16
124.09%
345.11
902.56
-61.76%
PBT
7,141.28
6,517.79
9.57%
6,439.88
7,055.04
-8.72%
6,527.08
6,728.64
-3.00%
6,973.42
5,751.07
21.25%
PBTM
21.77
20.04
8.63%
19.58
22.12
-11.48%
20.08
22.10
-9.14%
21.41
19.73
8.51%
TAX
1,916.16
1,874.92
2.20%
1,250.09
2,406.44
-48.05%
1,678.44
2,296.65
-26.92%
5,141.20
2,034.90
152.65%
PAT
5,225.12
4,642.87
12.54%
5,189.79
4,648.60
11.64%
4,848.64
4,431.99
9.40%
1,832.22
3,716.17
-50.70%
PATM
15.93%
14.28%
15.78%
14.57%
14.91%
14.56%
5.63%
12.75%
EPS
4.55
4.04
12.62%
4.52
4.04
11.88%
4.22
3.86
9.33%
1.59
3.23
-50.77%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Interest Income
-
42,702.69
43,306.01
40,530.42
35,028.30
29,418.75
31,130.45
17,921.01
17,491.47
15,194.46
15,335.77
Interest Earned
-
1,30,772.09
1,24,009.85
1,09,064.58
86,845.29
76,241.83
81,935.03
54,918.48
52,147.13
48,724.85
48,058.08
Interest Expended
-
88,069.40
80,703.84
68,534.16
51,816.99
46,823.08
50,804.58
36,997.47
34,655.66
33,530.39
32,722.31
Int. income Growth
-
-1.39%
6.85%
15.71%
19.07%
-5.50%
73.71%
2.46%
15.12%
-0.92%
 
Other Income
-
18,691.21
16,446.96
13,329.43
12,239.59
12,097.66
12,234.91
9,387.65
7,367.40
8,883.34
9,167.58
Total Income
-
61,393.90
59,752.97
53,859.85
47,267.89
41,516.41
43,365.36
27,308.66
24,858.87
24,077.80
24,503.35
Total Expenditure
-
33,031.03
32,742.92
39,622.54
41,501.60
36,025.78
38,600.78
25,867.21
39,644.66
43,345.47
22,532.81
Employee Cost
-
18,992.28
21,548.69
18,643.24
14,942.59
11,971.93
12,296.72
7,060.02
7,047.54
9,242.37
5,482.33
% Of Sales
-
14.52%
17.38%
17.09%
17.21%
15.70%
15.01%
12.86%
13.51%
18.97%
11.41%
Opt. & Establishment Exp.
-
14,117.88
11,959.28
11,071.34
10,297.96
9,415.01
9,201.28
5,704.91
5,225.73
4,981.25
4,471.66
% Of Sales
-
10.80%
9.64%
10.15%
11.86%
12.35%
11.23%
10.39%
10.02%
10.22%
9.30%
Provisions
-
2,483.27
1,149.97
11,719.16
18,070.79
16,431.18
19,067.24
14,331.16
28,539.41
30,283.91
13,439.70
% Of Sales
-
1.90%
0.93%
10.75%
20.81%
21.55%
23.27%
26.10%
54.73%
62.15%
27.97%
EBITDA
-
28,362.87
27,010.05
14,237.31
5,766.29
5,490.63
4,764.58
1,441.45
-14,785.79
-19,267.67
1,970.54
EBITDA Margin
-
66.42%
62.37%
35.13%
16.46%
18.66%
15.31%
8.04%
-84.53%
-126.81%
12.85%
Depreciation
-
1,281.20
957.51
905.60
904.87
896.17
982.23
614.44
584.01
581.03
430.44
PBT
-
27,081.67
26,052.54
13,331.71
4,861.42
4,594.46
3,782.35
827.00
-15,369.80
-19,848.70
1,540.10
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
-
9,985.90
8,612.91
5,002.80
1,792.08
918.50
1,629.93
463.67
-5,343.39
-7,264.36
638.97
Tax Rate
-
36.87%
33.06%
37.53%
36.86%
19.99%
43.09%
56.07%
34.77%
36.60%
41.49%
PAT
-
17,021.76
17,367.31
8,278.96
3,059.01
3,629.11
2,019.80
316.85
-10,046.50
-12,586.44
849.15
PAT before Minority Interest
-
17,095.77
17,439.63
8,328.91
3,069.34
3,675.96
2,152.42
363.33
-10,026.41
-12,584.34
901.13
Minority Interest
-
-74.01
-72.32
-49.95
-10.33
-46.85
-132.62
-46.48
-20.09
-2.10
-51.98
PAT Margin
-
27.73%
29.07%
15.37%
6.47%
8.74%
4.66%
1.16%
-40.41%
-52.27%
3.47%
PAT Growth
-
-1.99%
109.78%
170.64%
-15.71%
79.68%
537.46%
0
0
-1582.24%
 
EPS
-
14.81
15.11
7.20
2.66
3.16
1.76
0.28
-8.74
-10.95
0.74

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
1,49,972.22
1,33,137.96
1,10,386.73
1,02,880.50
97,581.92
92,534.34
63,876.37
46,084.36
41,517.30
43,415.34
Share Capital
2,298.59
2,298.59
2,202.20
2,202.20
2,202.20
2,095.54
1,347.51
920.81
552.11
425.59
Total Reserves
1,47,673.63
1,30,839.37
1,08,184.53
1,00,678.30
95,379.72
90,438.80
62,528.86
45,163.55
40,965.19
42,989.75
Minority Interest
689.53
628.43
560.77
459.38
473.46
486.79
360.69
287.70
308.53
780.63
Deposits
17,24,795.42
15,77,019.88
13,79,225.24
12,90,347.07
11,54,234.46
11,13,716.86
7,10,254.37
6,81,874.18
6,48,439.01
6,29,650.86
Borrowings
1,07,558.40
1,05,806.55
72,585.62
70,148.62
59,371.67
52,298.14
62,512.41
46,827.97
65,329.66
43,336.01
Other Liabilities & Provisions
50,315.38
40,950.81
35,877.60
29,813.37
27,639.62
20,688.92
14,453.41
15,045.51
21,933.57
16,128.07
Total Liabilities
20,33,330.95
18,57,543.63
15,98,635.96
14,93,648.94
13,39,301.13
12,79,725.05
8,51,457.25
7,90,119.72
7,77,528.07
7,33,310.91
Net Block
15,625.36
13,083.30
12,347.84
12,083.96
10,696.21
11,048.70
7,261.98
6,246.22
6,370.99
6,297.76
Gross Block
25,180.36
23,362.64
24,443.89
23,273.33
20,982.82
20,441.02
12,402.65
10,975.65
10,670.94
10,072.46
Accumulated Depreciation
9,555.00
10,279.34
12,096.05
11,189.37
10,286.61
9,392.32
5,140.67
4,729.43
4,299.95
3,774.70
Total Non-Current Assets
19,41,241.91
17,74,956.33
15,31,931.77
14,23,785.26
12,67,241.74
12,08,097.86
8,15,653.54
7,56,536.74
7,47,103.60
7,13,434.50
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash and balance with RBI
60,882.17
64,389.22
65,325.13
78,213.52
86,127.84
44,267.27
38,603.79
32,338.32
29,028.91
25,410.36
Balance with banks and money at call
1,03,239.81
86,370.36
66,075.06
79,114.96
48,066.04
69,067.16
39,151.96
44,957.65
68,459.24
65,968.73
Investments
5,23,514.52
5,24,840.31
4,46,421.27
4,16,913.84
3,88,585.82
4,04,368.96
2,53,782.47
2,10,578.32
2,04,418.68
1,91,527.16
Advances
12,37,980.05
10,86,273.14
9,41,762.47
8,37,458.98
7,33,765.83
6,79,345.77
4,76,853.34
4,62,416.23
4,38,825.78
4,24,230.49
Other Assets
92,089.04
82,587.30
66,704.19
69,863.68
72,059.39
71,627.19
35,803.70
33,582.98
30,424.47
19,876.41
Total Assets
20,33,330.95
18,57,543.63
15,98,635.96
14,93,648.94
13,39,301.13
12,79,725.05
8,51,457.24
7,90,119.72
7,77,528.07
7,33,310.91
Contingent Liabilities
4,89,063.24
6,54,196.64
2,24,540.02
6,45,263.22
6,06,685.43
3,85,387.96
2,13,299.33
3,07,895.89
3,08,790.20
3,38,851.04
Bills for collection
35,566.16
39,512.92
36,019.12
34,377.60
37,786.05
40,493.76
28,052.60
27,866.28
27,898.25
25,805.94
Adjusted Book Value
121.47
108.61
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
25,635.41
22,075.28
-27,939.44
22,592.09
20,032.33
1,239.53
-12,793.04
-33,531.96
-1,742.13
21,938.03
PBT
28,378.59
27,093.20
14,110.00
5,140.53
4,779.30
4,194.00
902.13
-14,888.37
-19,373.08
1,878.18
Adjustment
4,703.29
2,955.70
15,450.20
22,945.12
19,752.86
22,357.19
15,959.87
28,468.09
27,678.15
15,392.31
Adjustments for Liabilities & Assets
-7,415.12
-2,857.09
-55,624.93
-4,289.40
-2,870.71
-24,997.34
-27,456.94
-47,081.88
-8,265.22
6,084.88
Refund/(Payment) of direct taxes
-31.35
-5,116.53
-1,874.71
-1,204.16
-1,629.12
-314.32
-2,198.10
-29.80
-1,781.98
-1,417.34
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-609.00
-1,577.63
-1,506.42
-732.47
-1,204.38
-786.84
-338.33
-629.17
391.65
158.75
Net Fixed Assets
-1769.07
1069.41
-1162.16
-2274.01
-541.33
-8030.82
-1417.83
-261.90
-597.67
-1434.59
Other Investment Activity
-26590.46
-24750.18
-25045.64
-24355.39
-21663.84
-20674.00
-12934.02
-10495.37
-10466.37
-11378.96
Cash from Financing Activity
-11,664.01
-1,138.26
3,517.57
1,274.98
2,031.50
5,415.17
13,591.15
13,968.95
7,459.54
-9,767.07
Closing Cash & Equivalent
1,64,121.98
1,50,759.58
1,31,400.19
1,57,328.48
1,34,193.88
1,13,334.43
77,755.75
77,295.97
97,488.15
91,379.09
Net Cash Inflow / Outflow
13,362.40
19,359.39
-25,928.29
23,134.60
20,859.45
5,867.86
459.78
-20,192.18
6,109.06
12,329.71
Opening Cash & Equivalents
1,50,759.58
1,31,400.19
1,57,328.48
1,34,193.88
1,13,334.43
77,755.75
77,295.97
97,488.15
91,379.09
79,049.38

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value
121.47
108.61
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13
NIM
2.22
2.46
2.67
2.48
2.34
2.60
2.22
2.33
2.05
2.17
Yield on Advances
10.56
11.42
11.58
10.37
10.39
12.06
11.52
11.28
11.10
11.33
Yield on Investments
7.57
6.69
6.82
6.52
7.04
7.43
7.02
7.45
8.43
8.05
Cost of Liabilities
4.81
4.80
4.72
3.81
3.86
4.36
4.79
4.76
4.70
4.86
Interest Spread
5.76
6.62
6.86
6.56
6.53
7.70
6.73
6.52
6.41
6.47
ROCE
13.26%
15.27%
10.82%
5.86%
5.34%
5.39%
3.04%
-13.05%
-17.46%
3.92%
Cost Income Ratio
51.84
54.48
53.49
51.48
49.36
47.31
44.49
47.02
56.66
38.87
Core Cost Income Ratio
55.89
58.44
54.11
50.40
52.75
51.84
47.47
49.14
65.51
43.92
Operating Costs to Assets
1.57
1.75
1.80
1.63
1.53
1.60
1.43
1.48
1.75
1.30
Loans/Deposits
0.06
0.07
0.05
0.05
0.05
0.05
0.09
0.07
0.10
0.07
Cash/Deposits
0.04
0.04
0.05
0.06
0.07
0.04
0.05
0.05
0.04
0.04
Investment/Deposits
0.30
0.33
0.32
0.32
0.34
0.36
0.36
0.31
0.32
0.30
Inc Loan/Deposits
6.24%
6.71%
5.26%
5.44%
5.14%
4.70%
8.80%
6.87%
10.07%
6.88%
Credit Deposits
71.78%
68.88%
68.28%
64.90%
63.57%
61.00%
67.14%
67.82%
67.67%
67.38%
Interest Expended / Interest earned
67.35%
65.08%
62.84%
59.67%
61.41%
62.01%
67.37%
66.46%
68.82%
68.09%
Interest income / Total funds
6.43%
6.68%
6.82%
5.81%
5.69%
6.40%
6.45%
6.60%
6.27%
6.55%
Interest Expended / Total funds
4.33%
4.34%
4.29%
3.47%
3.50%
3.97%
4.35%
4.39%
4.31%
4.46%
CASA
35.49%
36.52%
40.23%
41.92%
46.45%
44.45%
42.86%
42.15%
40.97%
41.66%

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • PNB - Quarterly Results
    6th May 2026, 00:00 AM

    Read More
  • Punjab National Bank signs MoU with Government e-Marketplace
    8th Apr 2026, 15:42 PM

    MoU aims to enhance financial access for sellers registered on the platform

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.