WEBSITE BSE:532461 NSE: PUNJAB NATIO Inc. Year: 1895 Industry: Bank - Public
Last updated: 15:59
Punjab National Bank is an India-based bank. The Bank's segments include Retail banking,Treasury, Corporate/Wholesale banking, and Other banking operations. The Treasury section consists of the entire investment portfolio and trading in forex contracts and spinoff contracts. The Bank presents numerous banking offerings, along with agriculture banking, retail banking, treasury operations, corporate banking, service provider banking, NRI offerings, depository services, virtual banking offerings and mutual funds. Its depository offerings comprises...Read More
Punjab National Bank is an India-based bank. The Bank's segments include Retail banking,Treasury, Corporate/Wholesale banking, and Other banking operations. The Treasury section consists of the entire investment portfolio and trading in forex contracts and spinoff contracts. The Bank presents numerous banking offerings, along with agriculture banking, retail banking, treasury operations, corporate banking, service provider banking, NRI offerings, depository services, virtual banking offerings and mutual funds. Its depository offerings comprises savings deposits, term deposits, current deposits, recurring deposits, Capital Gain Account Scheme and Gold Monetization Scheme. Its loan portfolio consists of retail loans, agriculture loans, micro, small and medium organisations (MSME) loans and corporate loans. Its other services include cash control offerings, export/import finance, gold card scheme for exporters, doorstep banking service and on-line trading. ...Read Less
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Market Cap ₹136467 Cr.
Stock P/E 7.8
P/B 1
Current Price ₹118.7
Book Value ₹ 116.5
Face Value 2
52W High ₹127.8
Dividend Yield 2.44%
52W Low ₹ 85.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 25673 | 26858 | 27852 | 28682 | 29145 | 30447 | 31895 | 32523 | 32572 | 32513 |
| Other Income | 3360 | 2999 | 2676 | 4294 | 3615 | 4664 | 3392 | 4776 | 5427 | 4171 |
| Total Income | 29033 | 29857 | 30527 | 32976 | 32760 | 35111 | 35286 | 37299 | 37999 | 36684 |
| Interest Expense | 16064 | 16820 | 17444 | 18206 | 18536 | 19790 | 20738 | 21640 | 21828 | 21858 |
| Operating Expenditure | 7035 | 6798 | 6705 | 8271 | 7570 | 8312 | 7897 | 8771 | 8852 | 7671 |
| Provisions and contingencies | 3955 | 3461 | 2744 | 1560 | 903 | 280 | -403 | 371 | 345 | 628 |
| Operating Profit | 1979 | 2778 | 3634 | 4940 | 5751 | 6729 | 7055 | 6518 | 6973 | 6527 |
| Profit Before Tax | 1979 | 2778 | 3634 | 4940 | 5751 | 6729 | 7055 | 6518 | 6973 | 6527 |
| Provision for Tax | 768 | 1014 | 1382 | 1839 | 2035 | 2297 | 2406 | 1875 | 5141 | 1678 |
| Profit After Tax | 1211 | 1765 | 2253 | 3101 | 3716 | 4432 | 4649 | 4643 | 1832 | 4849 |
| Adjustments | 131 | 226 | 180 | 241 | 260 | 282 | 152 | 346 | 288 | 277 |
| Profit After Adjustments | 1342 | 1990 | 2433 | 3342 | 3976 | 4714 | 4801 | 4989 | 2120 | 5125 |
| Adjusted Earnings Per Share | 1.2 | 1.8 | 2.2 | 3 | 3.6 | 4.1 | 4.2 | 4.3 | 1.8 | 4.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 48710 | 50804 | 48058 | 48725 | 52147 | 54918 | 81935 | 76242 | 86845 | 109065 | 124010 | 129503 |
| Other Income | 6175 | 6100 | 9168 | 8883 | 7367 | 9388 | 12235 | 12098 | 12240 | 13329 | 16447 | 17766 |
| Total Income | 54884 | 56904 | 57226 | 57608 | 59515 | 64306 | 94170 | 88339 | 99085 | 122394 | 140457 | 147268 |
| Interest Expense | 31343 | 34331 | 32722 | 33530 | 34656 | 36997 | 50805 | 46823 | 51817 | 68534 | 80704 | 86064 |
| Operating Expenditure | 10809 | 10350 | 9524 | 13643 | 11689 | 12150 | 20516 | 20491 | 24336 | 28809 | 32550 | 33191 |
| Provisions and contingencies | 8335 | 17516 | 13440 | 30284 | 28539 | 14331 | 19067 | 16431 | 18071 | 11719 | 1150 | 941 |
| Operating Profit | 4397 | -5293 | 1540 | -19849 | -15370 | 827 | 3782 | 4594 | 4861 | 13332 | 26053 | 27073 |
| Profit Before Tax | 4397 | -5293 | 1540 | -19849 | -15370 | 827 | 3782 | 4594 | 4861 | 13332 | 26053 | 27073 |
| Provision for Tax | 1056 | -1630 | 639 | -7264 | -5343 | 464 | 1630 | 919 | 1792 | 5003 | 8613 | 11100 |
| Profit After Tax | 3341 | -3663 | 901 | -12584 | -10026 | 363 | 2152 | 3676 | 3069 | 8329 | 17440 | 15973 |
| Adjustments | 58 | -27 | 286 | 471 | 456 | 75 | 410 | 185 | 279 | 778 | 1041 | 1063 |
| Profit After Adjustments | 3400 | -3690 | 1187 | -12113 | -9570 | 438 | 2562 | 3861 | 3348 | 9107 | 18480 | 17035 |
| Adjusted Earnings Per Share | 18.3 | -18.8 | 5.6 | -43.9 | -20.8 | 0.7 | 2.4 | 3.5 | 3 | 8.3 | 16.1 | 14.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 14% | 18% | 18% | 10% |
| Operating Profit CAGR | 95% | 78% | 99% | 19% |
| PAT CAGR | 109% | 68% | 117% | 18% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 10% | 26% | 24% | -0% |
| ROE Average | 15% | 9% | 7% | -2% |
| ROCE Average | 15% | 11% | 9% | 2% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 42039 | 41804 | 43415 | 41517 | 46084 | 63876 | 92534 | 97582 | 102881 | 110387 | 133138 |
| Minority's Interest | 549 | 729 | 781 | 309 | 288 | 361 | 487 | 473 | 459 | 561 | 628 |
| Deposits | 515245 | 570383 | 629651 | 648439 | 681874 | 710254 | 1113717 | 1154234 | 1290347 | 1379225 | 1577020 |
| Borrowings | 59205 | 81674 | 43336 | 65330 | 46828 | 62512 | 52298 | 59372 | 70149 | 72586 | 105807 |
| Other Liabilities & Provisions | 18973 | 18204 | 16128 | 21934 | 15046 | 14453 | 20689 | 27640 | 29813 | 35878 | 40951 |
| Total Liabilities | 636011 | 712793 | 733311 | 777528 | 790120 | 851457 | 1279725 | 1339301 | 1493649 | 1598636 | 1857544 |
| Cash and balance with RBI | 24436 | 26492 | 25410 | 29029 | 32338 | 38604 | 44267 | 86128 | 78214 | 65325 | 64389 |
| Bank Balance | 33823 | 52557 | 65969 | 68459 | 44958 | 39152 | 69067 | 48066 | 79115 | 66075 | 86370 |
| Investments | 156762 | 165126 | 191527 | 204419 | 210578 | 253782 | 404369 | 388586 | 416914 | 446421 | 524840 |
| Advances | 404614 | 446083 | 424230 | 438826 | 462416 | 476853 | 679346 | 733766 | 837459 | 941762 | 1086273 |
| Fixed Assets | 3656 | 5308 | 6298 | 6371 | 6246 | 7262 | 11049 | 10696 | 12084 | 12348 | 13083 |
| Other Assets | 12720 | 17226 | 19876 | 30424 | 33583 | 35804 | 71627 | 72059 | 69864 | 66704 | 82587 |
| Total Assets | 636011 | 712793 | 733311 | 777528 | 790120 | 851457 | 1279725 | 1339301 | 1493649 | 1598636 | 1857544 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 46866 | 58259 | 79049 | 91379 | 97488 | 77296 | 77756 | 113334 | 134194 | 157328 | 131400 |
| Cash Flow from Operating Activities | 4814 | 14167 | 21938 | -1742 | -33532 | -12793 | 1240 | 20032 | 22592 | -27939 | 22075 |
| Cash Flow from Investing Activities | -872 | -1352 | 159 | 392 | -629 | -338 | -787 | -1204 | -732 | -1506 | -1578 |
| Cash Flow from Financing Activities | 7451 | 5975 | -9767 | 7460 | 13969 | 13591 | 5415 | 2032 | 1275 | 3518 | -1138 |
| Net Cash Inflow / Outflow | 11393 | 18790 | 12330 | 6109 | -20192 | 460 | 5868 | 20859 | 23135 | -25928 | 19359 |
| Closing Cash & Cash Equivalent | 58259 | 77049 | 91379 | 97488 | 77296 | 77756 | 113334 | 134194 | 157328 | 131400 | 150760 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 18.33 | -18.79 | 5.58 | -43.88 | -20.79 | 0.65 | 2.45 | 3.51 | 3.04 | 8.27 | 16.08 |
| CEPS(Rs) | 20.09 | -16.55 | 6.26 | -43.48 | -20.51 | 1.45 | 2.99 | 4.15 | 3.61 | 8.39 | 16.01 |
| DPS(Rs) | 3.3 | 0.38 | 0.03 | 0.22 | 0.07 | 0.05 | 0.17 | 0.64 | 0.65 | 1.5 | 2.9 |
| Book NAV/Share(Rs) | 219.18 | 198.41 | 186.13 | 137.05 | 92.31 | 87.74 | 81.44 | 82.22 | 85.76 | 92.71 | 108.61 |
| Yield on Advances | 12.04 | 11.39 | 11.33 | 11.1 | 11.28 | 11.52 | 12.06 | 10.39 | 10.37 | 11.58 | 11.42 |
| Yield on Investments | 7.76 | 8.19 | 8.05 | 8.43 | 7.45 | 7.02 | 7.43 | 7.04 | 6.52 | 6.82 | 6.69 |
| Cost of Liabilities | 5.46 | 5.26 | 4.86 | 4.7 | 4.76 | 4.79 | 4.36 | 3.86 | 3.81 | 4.72 | 4.8 |
| NIM (Net Interest Margin) | 2.8 | 2.39 | 2.17 | 2.05 | 2.33 | 2.22 | 2.6 | 2.34 | 2.48 | 2.67 | 2.46 |
| Interest Spread | 6.58 | 6.12 | 6.47 | 6.41 | 6.52 | 6.73 | 7.7 | 6.53 | 6.56 | 6.86 | 6.62 |
| ROA(%) | 0.55 | -0.54 | 0.12 | -1.67 | -1.28 | 0.04 | 0.2 | 0.28 | 0.22 | 0.54 | 1.01 |
| ROE(%) | 8.64 | -9.2 | 2.29 | -32.5 | -24.96 | 0.72 | 2.98 | 4.18 | 3.32 | 8.48 | 15.37 |
| ROCE(%) | 7.69 | -1.39 | 3.92 | -17.46 | -13.05 | 3.04 | 5.39 | 5.34 | 5.86 | 10.82 | 15.27 |
| PER(x) | 7.88 | 0 | 27.01 | 0 | 0 | 49.71 | 14.99 | 10 | 15.36 | 15.03 | 5.98 |
| Price/Book(x) | 0.66 | 0.43 | 0.81 | 0.7 | 1.03 | 0.37 | 0.45 | 0.43 | 0.54 | 1.34 | 0.89 |
| Dividend Yield(%) | 2.29 | 0.45 | 0.02 | 0.24 | 0.07 | 0.15 | 0.47 | 1.83 | 1.39 | 1.21 | 3.02 |
| EV/Net Sales(x) | 1.77 | 1.93 | 1.57 | 1.88 | 1.74 | 1.54 | 1.11 | 1.28 | 1.4 | 1.92 | 1.74 |
| EV/Core EBITDA(x) | 6.75 | 8.04 | 5.03 | 8.79 | 6.89 | 5.56 | 3.97 | 4.66 | 5.3 | 8.36 | 7.95 |
| Interest Earned Growth(%) | 8.34 | 4.3 | -5.4 | 1.39 | 7.02 | 5.31 | 49.19 | -6.95 | 13.91 | 25.58 | 13.7 |
| Net Profit Growth | -5.47 | -209.63 | 124.6 | -1496.51 | 20.33 | 103.62 | 492.41 | 70.78 | -16.5 | 171.36 | 109.39 |
| Advances Growth | 10.53 | 10.25 | -4.9 | 3.44 | 5.38 | 3.12 | 42.46 | 8.01 | 14.13 | 12.45 | 15.34 |
| EPS Growth(%) | -8.25 | -202.51 | 129.69 | -886.48 | 52.63 | 103.13 | 275.72 | 43.4 | -13.27 | 171.98 | 94.41 |
| Loans/Deposits(x) | 11.49 | 14.32 | 6.88 | 10.07 | 6.87 | 8.8 | 4.7 | 5.14 | 5.44 | 5.26 | 6.71 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.07 | 0.06 | 0.05 | 0.04 |
| Current Ratio(x) | 0.3 | 0.29 | 0.3 | 0.32 | 0.31 | 0.36 | 0.36 | 0.34 | 0.32 | 0.32 | 0.33 |
| Quick Ratio(x) | 11.49 | 14.32 | 6.88 | 10.07 | 6.87 | 8.8 | 4.7 | 5.14 | 5.44 | 5.26 | 6.71 |
| CASA % | 36.03 | 36.58 | 41.66 | 40.97 | 42.15 | 42.86 | 44.45 | 46.45 | 41.92 | 40.23 | 36.52 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 73.15 | 73.15 | 73.15 | 73.15 | 73.15 | 70.08 | 70.08 | 70.08 | 70.08 | 70.08 |
| FII | 1.82 | 2.65 | 3.1 | 4.82 | 5.51 | 8.41 | 5.7 | 5.7 | 5.52 | 5.67 |
| DII | 13.45 | 13.8 | 13.75 | 12.37 | 10.77 | 11.62 | 14.31 | 14.67 | 15.07 | 15.55 |
| Public | 11.58 | 10.4 | 10 | 9.67 | 10.57 | 9.89 | 9.91 | 9.54 | 9.33 | 8.71 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 |
| FII | 20.08 | 29.15 | 34.18 | 53.03 | 60.69 | 96.71 | 65.55 | 65.56 | 63.41 | 65.12 |
| DII | 148.11 | 151.97 | 151.36 | 136.18 | 118.59 | 133.49 | 164.46 | 168.65 | 173.2 | 178.68 |
| Public | 127.5 | 114.57 | 110.15 | 106.48 | 116.42 | 113.68 | 113.88 | 109.68 | 107.27 | 100.08 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1149.29 | 1149.29 | 1149.29 | 1149.29 | 1149.29 |
* The pros and cons are machine generated.
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