Quarterly results · PSB
PUNJAB & SIND BANK reported revenue of ₹1,371 cr and net profit of ₹332 cr in Q1 FY27 (quarter ended 30 Jun 2026), +23.2% year on year. Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated automatically from exchange filings.
| Quarter | Q1 FY27 |
|---|---|
| Quarter ended | 30 Jun 2026 |
| Revenue | ₹1,371 cr |
| Revenue YoY | +0.1% |
| Operating profit | — |
| Operating margin | — |
| Net profit | ₹332 cr |
| Net profit YoY | +23.2% |
| Net profit QoQ | -21.4% |
| Net margin | 24.2% |
| Basic EPS | ₹0.47 |
| TTM revenue | ₹5,636 cr |
| TTM net profit | ₹1,359 cr |
| TTM net margin | 24.1% |
PUNJAB & SIND BANK (PSB) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹1,371 cr and a net profit of ₹332 cr, translating into earnings per share of ₹0.47.
Compared with the same quarter a year earlier, revenue grew marginally by +0.1% and net profit grew strongly by +23.2%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Revenue
₹1,371 cr
+0.1% YoY
Net profit
₹332 cr
+23.2% YoY
Operating profit
—
— YoY
EPS
₹0.47
+23.7% YoY
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q1 FY272026-06-30 | ₹1,371 cr | — | ₹332 cr | — | 24.2% | ₹0.47 | +23.2% | -21.4% |
| Q4 FY262026-03-31 | ₹1,402 cr | — | ₹422 cr | — | 30.1% | ₹0.59 | +34.9% | +25.4% |
| Q3 FY262025-12-31 | ₹1,493 cr | — | ₹336 cr | — | 22.5% | ₹0.47 | — | +25.0% |
| Q1 FY262025-06-30 | ₹1,369 cr | — | ₹269 cr | — | 19.7% | ₹0.38 | — | -13.9% |
| Q4 FY252025-03-31 | ₹1,799 cr | — | ₹313 cr | — | 17.4% | ₹0.46 | — | — |
| TTM (last 4 quarters) | ₹5,636 cr | — | ₹1,359 cr | — | 24.1% | ₹1.91 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 | Q4 FY252025-03-31 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹1,371 cr | ₹1,402 cr | ₹1,493 cr | ₹1,369 cr | ₹1,799 cr |
| Interest cost | ₹2,175 cr | ₹2,055 cr | ₹2,056 cr | ₹2,010 cr | ₹2,037 cr |
| Profit before tax | ₹451 cr | ₹615 cr | ₹456 cr | ₹323 cr | ₹442 cr |
| Tax expense | ₹120 cr | ₹194 cr | ₹120 cr | ₹53.86 cr | ₹130 cr |
| Effective tax rate | 26.6% | 31.5% | 26.3% | 16.7% | 29.3% |
| Net profit (PAT) | ₹332 cr | ₹422 cr | ₹336 cr | ₹269 cr | ₹313 cr |
| Net profit margin | 24.2% | 30.1% | 22.5% | 19.7% | 17.4% |
| Basic EPS | ₹0.47 | ₹0.59 | ₹0.47 | ₹0.38 | ₹0.46 |
| Diluted EPS | ₹0.47 | ₹0.59 | ₹0.47 | ₹0.38 | ₹0.46 |
| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 | Q4 FY25 |
|---|---|---|---|---|---|
| Revenue YoY | +0.1% | -22.0% | — | — | — |
| Revenue QoQ | -2.2% | -6.1% | +9.1% | -23.9% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | +23.2% | +34.9% | — | — | — |
| Net profit QoQ | -21.4% | +25.4% | +25.0% | -13.9% | — |
| EPS YoY | +23.7% | +28.3% | — | — | — |
| EPS QoQ | -20.3% | +25.5% | +23.7% | -17.4% | — |
Full-year performance for PUNJAB & SIND BANK, useful for reading each quarter in context.
| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
|---|---|---|---|---|
| Revenue / Sales | ₹5,632 cr | ₹5,381 cr | ₹3,709 cr | ₹3,886 cr |
| Interest cost | ₹8,170 cr | ₹7,698 cr | ₹6,853 cr | ₹5,019 cr |
| Profit before tax | ₹1,752 cr | ₹1,338 cr | ₹937 cr | ₹1,620 cr |
| Tax expense | ₹430 cr | ₹322 cr | ₹342 cr | ₹307 cr |
| Effective tax rate | 24.6% | 24.1% | 36.5% | 18.9% |
| Net profit (PAT) | ₹1,322 cr | ₹1,016 cr | ₹595 cr | ₹1,313 cr |
| Net profit margin | 23.5% | 18.9% | 16.1% | 33.8% |
| Basic EPS | ₹1.86 | ₹1.50 | ₹0.88 | ₹1.94 |
| Diluted EPS | ₹1.86 | ₹1.50 | ₹0.88 | ₹1.94 |
Topline for Q1 FY27 came in at ₹1,371 cr against ₹1,369 cr in Q1 FY26, and ₹1,402 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue declined -2.2%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Net profit of ₹332 cr works out to a net margin of 24.2% compared with 19.7% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, PUNJAB & SIND BANK reported profit before tax of ₹451 cr, a tax charge of ₹120 cr (effective rate 26.6%), interest cost of ₹2,175 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹422 cr in Q4 FY26 to ₹332 cr in Q1 FY27, a change of -21.4%.
Across the trailing four quarters PUNJAB & SIND BANK has generated revenue of ₹5,636 cr and net profit of ₹1,359 cr, a trailing net margin of 24.1%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹5,632 cr with net profit of ₹1,322 cr and EPS of ₹1.86, versus the prior year where revenue grew +4.7% and profit grew +30.1%.
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
PUNJAB & SIND BANK has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
No results report published for PSB yet — our desk covers each quarter within minutes of the filing.
In Q1 FY27 (quarter ended 30 Jun 2026), PUNJAB & SIND BANK reported revenue of ₹1,371 cr and net profit of ₹332 cr, a change of +23.2% year on year on +0.1% revenue growth. EPS stood at ₹0.47.
PUNJAB & SIND BANK posted a net profit margin of 24.2% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹5,636 cr and net profit ₹1,359 cr.
PUNJAB & SIND BANK net profit changed -21.4% quarter on quarter, from ₹422 cr in Q4 FY26 to ₹332 cr in Q1 FY27.
PUNJAB & SIND BANK has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Results coverage for PSB will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the PSB stock page.
For FY26, PUNJAB & SIND BANK reported full-year revenue of ₹5,632 cr and net profit of ₹1,322 cr, with EPS of ₹1.86.
Past results dates for PSB will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 12 Sept 2026. For information only, not investment advice.
