Punjab & Sind Bank share price today

Punjab & Sind Bank's share price was ₹19.31 at the close on 4 November 2026. It has been falling for 105 weeks. That is 20.9% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹18 and ₹31, and at that close it sat 9% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Punjab & Sind Bank is in stage 4. The phase helps read everything below.

Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 16 weeks running.

Over the last 11 years the share price moved −43% while the NIFTY 500 moved +251%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 24 July 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: bad loans at their lowest share in 16 quarters, profit up on a year earlier for 10 quarters in a row and indian funds and insurers (DIIs) cut their stake for 6 quarters in a row.

1. Bad loans at their lowest share in 16 quarters

   Gross NPA, the share of loans not being repaid, was 2.09% in the September 2026 quarter, from 2.92% a year earlier.

   Why: Bad loans fell because fewer borrowers were behind on payments, with overdue loans falling from above 9% to below 4%.

   From the earnings call on 19 Oct 2026.

2. Profit up on a year earlier for 10 quarters in a row

   In the September 2026 quarter profit was ₹412 crore, +39.7% on a year earlier.

   Why: Profit rose because the bank made more on loans than it paid on deposits, with net interest income up 22%.

   Next results: check whether the gap between loan income and deposit costs holds, since management did not break down what drove the recent rise.

   From the earnings call on 19 Oct 2026.

3. Indian funds and insurers (DIIs) cut their stake for 6 quarters in a row

   From 4.3% to 3.8% of the company by the September 2026 quarter.

Punjab & Sind Bank paid ₹0.39 a share in regular dividends in the 12 months to 5 November 2026 (1 payment), a yield of 2.02% at the ₹19.31 close on 4 November 2026. The last was a dividend of ₹0.39 a share, ex-date 21 July 2026.

Punjab & Sind Bank dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. Punjab & Sind Bank paid out 21% of its profit as dividends in FY26, and it paid a dividend in 8 of its last 13 reported years.

From the NSE corporate-actions record, read 5 November 2026.

For July to September 2026 (the quarter ended 30 September 2026), Punjab & Sind Bank reported total income of ₹3,394 crore, up 13.2% from ₹2,999 crore a year earlier, and a profit of ₹412 crore, up 39.7% from ₹295 crore.

Punjab & Sind Bank results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

Punjab & Sind Bank's management discussed these results on a call held on 19 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

Punjab & Sind Bank closed at ₹19.31 on 4 November 2026, down 37.7% from ₹31.01 a year earlier (7 November 2025) and up 6.7% over five years. Its highest weekly close since March 2016 was ₹68.44 on 26 July 2024.

Punjab & Sind Bank share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

564 weekly closes from 11 March 2016 to 4 November 2026.

4 Nov 2026: Punjab & Sind Bank closed at ₹19.31, up 3.5% on the week and down 7.9% on the month. 19 Oct 2026: Punjab & Sind Bank held its results call for July to September 2026. Management guided: FY27 deposit growth 13-14%, advances growth 18-20%, and CD ratio around 82% over the next two quarters.

Earlier

• Results for July to September 2026: Total income up 13.2% and profit up 39.7% on a year earlier.
• 21 Jul 2026: ex-date for a dividend of ₹0.39 a share.

On the call for July to September 2026, held on 19 October 2026, Punjab & Sind Bank's management guided: FY27 deposit growth 13-14%, advances growth 18-20%, and CD ratio around 82% over the next two quarters.

“Therefore, we expect the total additional provisioning requirement to range between 0.5% and 0.6%.”Dheeraj, CRO, on the call for July to September 2026

What management guided

• RAM share around 65% by March 2027 and around 70% by March 2028.
• Gross NPA below 2% by end-March 2027.
• FY27 recovery and upgradation above ₹1,000 crore; ₹622 crore achieved to date.
• Steady-state ECL provisioning requirement 0.5-0.6% from subsequent years.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 19 October 2026.

When Punjab & Sind Bank reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Track the gross-NPA trajectory against the March commitment and management's expectation of better-than-goal performance.

Punjab & Sind Bank is on 6 of our India lists: Undervalued stocks, 52 week high & low, Dividend stocks, Small & mid cap stocks, Penny stocks and Bank stocks.

Punjab & Sind Bank earned ₹412 Cr of net profit in the Sep 2026 quarter, +39.7% on the same quarter a year earlier. That is the 10th quarter in a row of profit growth. Full-year FY26 profit was ₹1,322 Cr. Over 10 years profit has grown 14.7% a year on average. That is 12.1% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹295 Cr.

For the full year, FY26 profit was ₹1,322 Cr (+30.1% on the year before).

Why profit moved: revenue changed +13.2% on a year earlier and the margin moved +2.3 percentage points. Most of the change came from keeping more of each sale.

On average over the last four quarters, profit changed +29.3% and revenue +5.8%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

Punjab & Sind Bank reported ₹3,394 Cr of income in the Sep 2026 quarter, +13.2% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 10 years it has grown 3.2% a year on average. The last full year, FY26, came in at ₹11,982 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹12,679 Cr.

FY26 revenue was ₹11,982 Cr, +4.4% on the year before.

Recent pace: the last four quarters grew +5.8% on average, against 3.2% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +5.7%, against +10.6% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +29.6%, against +49.2% a year (rolling over).

Punjab & Sind Bank's net margin was 12.1% in the Sep 2026 quarter, 2.3 percentage points higher than the same quarter a year ago. Across 13 years it has been between −39.2% and 16.4%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

Punjab & Sind Bank's gross NPA, the share of loans that have stopped being repaid, is 2.09% in Sep 2026, down from 2.92% a year ago. After the money already set aside for bad loans, 0.61% is left (net NPA). That is the 11th quarter in a row of improvement.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Across the 12 quarters on file it has been between 2.09% and 5.70%. Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Sep 2026, gross NPA was 2.09% and net NPA 0.61%, against 2.92% and 0.83% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Punjab & Sind Bank's revenue was ₹11,982 Cr in FY26, +4.4% on the year before, so the loan book is growing. The latest quarter was +13.2% on a year earlier. The net margin on that income is 12.1%, +2.3 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Punjab & Sind Bank's P/BV is 0.9×, in the middle of its own history: higher than 62% of past readings. Its usual P/BV (the middle reading) is 0.6×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 10% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.