Today's Low
₹ 47.80
Today's High
₹ 48.95
52 Weeks Low
₹ 13.00
52 Weeks High
₹ 44.75
Lower
₹ 38.42
Upper
₹ 57.63
Punjab & Sind Bank provides various banking and financial products and services in India. It operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, business, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. It also provides non fund based products, such as letter of credit, LC advising/confirming, bank guarantee, letter of comfort for availing the buyers credit, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, the company offers locker facility, government schemes, and life and general insurance; digital banking services, including internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, NEFT, ATM/debit cards, and online payment; international banking services comprising NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. It operates through 25 zonal offices comprising 1526 branches. Punjab & Sind Bank was incorporated in 1908 and is headquartered in New Delhi, India.
No of shares Outstanding
EPS-TTM
Face Value
Book Value
Net Asset Value
ROE
ROA
ROCE
Dividend Yield
Total Debt
Sales Growth
PAT Growth
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
SOURCES OF FUNDS: | |||||||||||||
Total Liabilities & Total Equity | 136,454.5 | 121,067.6 | 110,481.9 | 100,503.8 | 108,982.0 | 113,759.2 | 96,643.4 | 102,581.4 | 97,753.4 | 94,509.2 | 80,477.9 | 72,905.3 | 68,550.1 |
Share Capital | 6,777.8 | 6,777.8 | 4,052.7 | 701.1 | 564.9 | 564.9 | 400.4 | 400.4 | 400.4 | 475.3 | 454.0 | 434.2 | 423.1 |
Share Warrants & Outstandings | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Total Reserves | 8,330.7 | 7,232.8 | 4,310.4 | 4,895.3 | 5,136.5 | 5,617.8 | 5,742.1 | 5,569.8 | 5,195.8 | 4,536.0 | 4,150.1 | 3,814.7 | 3,380.3 |
Deposits | 109,665.5 | 102,137.0 | 96,108.2 | 89,667.6 | 98,557.6 | 101,726.2 | 85,540.2 | 91,250.0 | 86,714.7 | 84,730.2 | 70,641.5 | 63,124.0 | 59,723.2 |
Borrowings | 9,018.4 | 2,443.6 | 2,643.6 | 3,213.1 | 2,714.0 | 3,683.0 | 2,958.4 | 2,839.0 | 3,048.2 | 2,305.0 | 2,540.1 | 3,382.3 | 2,885.9 |
Liabilities & Provisions | 2,662.1 | 2,476.3 | 3,367.1 | 2,026.8 | 2,009.0 | 2,167.4 | 2,002.4 | 2,522.2 | 2,394.3 | 2,462.7 | 2,692.3 | 2,150.0 | 2,137.7 |
APPLICATION OF FUNDS: | |||||||||||||
Total Assets | 136,454.5 | 121,067.6 | 110,481.9 | 100,503.8 | 108,982.0 | 113,759.2 | 96,643.4 | 102,581.4 | 97,753.4 | 94,509.2 | 80,477.9 | 72,905.3 | 68,550.1 |
Cash and balance with RBI | 6,225.4 | 6,139.2 | 7,208.5 | 9,488.4 | 4,941.1 | 6,256.4 | 4,364.7 | 3,822.6 | 3,756.1 | 4,834.5 | 3,248.9 | 3,640.2 | 4,579.8 |
Balances with banks and money at call | 71.3 | 149.0 | 1,130.9 | 89.9 | 1,677.1 | 876.3 | 225.1 | 1,080.0 | 463.4 | 1,490.4 | 830.3 | 675.3 | 316.7 |
Investments | 44,838.4 | 42,280.9 | 32,022.8 | 24,552.1 | 26,172.9 | 32,981.8 | 27,948.5 | 27,645.0 | 24,006.6 | 28,294.1 | 22,542.5 | 20,064.1 | 18,643.7 |
Advances | 76,819.4 | 63,626.6 | 60,941.7 | 58,411.9 | 69,175.5 | 66,569.5 | 58,334.5 | 63,916.1 | 63,870.2 | 57,239.1 | 51,430.8 | 46,151.4 | 42,637.9 |
Net Block | 1,519.4 | 1,577.4 | 1,584.9 | 1,240.8 | 1,230.4 | 1,082.6 | 1,095.4 | 1,133.4 | 994.8 | 1,002.7 | 844.1 | 808.4 | 816.3 |
Lease Adjustment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Capital Work in Progress | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Other Assets | 6,980.5 | 7,294.4 | 7,593.1 | 6,720.7 | 5,785.0 | 5,992.8 | 4,675.2 | 4,984.3 | 4,662.3 | 1,648.4 | 1,581.3 | 1,565.9 | 1,555.9 |
The Industry Debt to Equity Ratio stands at 1.14, vs the Debt to Equity Ratio of 0.64, which results in a Positive aspect.
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
The Industry Price to BV stands at 1.81, vs the Price to BV of 3.76, which results in a Positive aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Income | 7,992.7 | 7,095.8 | 6,973.9 | 7,929.5 | 8,558.7 | 7,948.8 | 8,172.9 | 8,744.3 | 8,588.6 | 7,972.7 | 7,340.1 | 6,474.5 | 4,932.5 |
Total Expenditure | 7,992.7 | 7,095.8 | 6,973.9 | 7,929.5 | 8,558.7 | 7,948.8 | 8,172.9 | 8,744.3 | 8,588.6 | 7,972.7 | 7,340.1 | 6,474.5 | 4,932.5 |
Profit Before Tax | 6,206.8 | 6,034.7 | 9,735.3 | 7,432.2 | 6,987.5 | 6,470.2 | 5,422.5 | 4,638.4 | 3,924.6 | 3,665.3 | 3,584.0 | 3,222.8 | 3,225.4 |
Less: Taxation | 306.8 | 147.6 | -671.3 | -531.6 | -228.1 | -93.7 | -148.7 | 334.1 | 169.9 | 129.8 | 147.3 | 163.0 | 243.5 |
Profit After Tax | 1,313.0 | 1,039.1 | -2,732.9 | -990.8 | -543.5 | -743.8 | 201.1 | 336.0 | 121.4 | 300.6 | 339.2 | 451.3 | 526.2 |
Earnings Per Share | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Appropriation | 1,939.1 | 1,148.1 | -3,482.1 | -667.7 | 443.5 | 1,113.5 | 2,013.9 | 2,015.2 | 1,756.9 | 1,843.7 | 1,761.7 | 1,624.2 | 1,405.0 |
The Industry PAT Margin stands at 13.19, vs the PAT Margin of 16.43, which results in a Positive aspect.
The Industry PAT Growth stands at 53.23, vs the PAT Growth of 26.37, which results in a Negative aspect.
The Industry Dividend Yield stands at 1.74, vs the Dividend Yield of 0.35, which results in a Negative aspect.
The Industry PE Ratio stands at 13.39, vs the PE Ratio of 62.21, which results in a Positive aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Profit Before Tax | 1,313.0 | 1,039.1 | -2,732.9 | -990.8 | -543.5 | -743.8 | 201.1 | 336.0 | 121.3 | 300.6 | 339.2 | 451.3 | 526.2 |
Tax Paid | -149.4 | 854.0 | -223.6 | -362.5 | -221.5 | -239.2 | 336.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Adjustment | 399.7 | 659.7 | 3,851.5 | 2,375.2 | 2,171.9 | 2,205.7 | 1,217.5 | 1,079.9 | 849.2 | 670.8 | 790.1 | 494.0 | 645.7 |
Changes In Working Capital | 1,313.0 | 1,039.1 | -2,732.9 | -990.8 | -543.5 | -743.8 | 201.1 | 336.0 | 121.3 | 300.6 | 339.2 | 451.3 | 526.2 |
Cash Flow after changes in Working Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Cash Flow from Operating Activities | 1,428.4 | -5,998.6 | -5,847.7 | 2,209.9 | -97.3 | 1,063.3 | -495.2 | 929.5 | -1,981.6 | 2,468.6 | -25.9 | -652.9 | -84.7 |
Cash Flow from Investing Activities | -88.2 | -120.8 | -446.2 | -63.4 | -61.1 | -51.4 | -33.5 | -37.9 | -84.5 | -58.0 | -81.5 | -35.9 | -24.7 |
Cash Flow from Financing Activities | -1,331.7 | 4,068.1 | 5,055.1 | 813.5 | -356.1 | 1,531.0 | 215.9 | -208.6 | -39.2 | -164.9 | -128.8 | 107.8 | 250.6 |
Net Cash Inflow / Outflow | 8.5 | -2,051.2 | -1,238.8 | 2,960.0 | -514.5 | 2,542.9 | -312.8 | 683.1 | -2,105.3 | 2,245.6 | -236.2 | -581.1 | 141.1 |
Opening Cash & Cash Equivalents | 6,288.2 | 8,339.4 | 9,578.3 | 6,618.2 | 7,132.7 | 4,589.8 | 4,902.6 | 4,219.5 | 6,324.8 | 4,079.2 | 4,315.4 | 4,896.5 | 4,755.3 |
Effect of Foreign Exchange Fluctuations | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Closing Cash & Cash Equivalent | 6,296.7 | 6,288.2 | 8,339.4 | 9,578.3 | 6,618.2 | 7,132.7 | 4,589.8 | 4,902.6 | 4,219.5 | 6,324.8 | 4,079.2 | 4,315.4 | 4,896.5 |
The Industry PFCF Ratio stands at -7.60, vs the PFCF Ratio of 14.08, which results in a Positive aspect.
The Industry PCF RATIO stands at -2.35, vs the PCF RATIO of 12.19, which results in a Positive aspect.
Particulars | Sep 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 27,389.5 | 24,910.3 | 24,058.9 | 23,157.9 | 21,049.4 | 21,074.4 | 19,798.8 | 18,004.7 | 17,932.9 | 18,711.8 | 17,409.2 | 16,904.2 | 16,106.7 | 17,631.0 | 18,001.2 | 18,000.2 | 19,043.3 |
Other Income | 3,589.1 | 3,616.8 | 2,682.6 | 1,785.8 | 5,470.4 | 1,376.3 | 1,402.9 | 1,150.0 | 2,146.1 | 1,708.5 | 2,042.0 | 3,491.9 | 3,299.5 | 2,194.2 | 1,990.7 | 1,543.7 | 3,851.0 |
Total Income | 30,978.6 | 28,527.1 | 26,741.5 | 24,943.7 | 26,519.8 | 22,450.7 | 21,201.7 | 19,154.7 | 20,079.0 | 20,420.3 | 19,451.2 | 20,396.1 | 19,406.2 | 19,825.2 | 19,991.9 | 19,543.9 | 22,894.3 |
Interest Expended | 18,661.0 | 17,517.5 | 17,310.1 | 15,782.3 | 14,211.6 | 13,024.4 | 12,047.4 | 10,910.1 | 10,957.3 | 11,135.6 | 11,238.0 | 11,114.1 | 11,156.9 | 11,468.2 | 11,866.9 | 12,628.0 | 14,001.7 |
Operating Expenses | 7,738.1 | 8,239.7 | 6,828.8 | 6,588.0 | 6,948.1 | 5,983.0 | 5,978.0 | 5,724.9 | 5,946.8 | 5,961.0 | 5,725.1 | 5,173.1 | 6,511.9 | 6,955.6 | 5,810.7 | 4,656.8 | 4,595.1 |
Total Expenditure | 7,738.1 | 8,239.7 | 6,828.8 | 6,588.0 | 6,948.1 | 5,983.0 | 5,978.0 | 5,724.9 | 5,946.8 | 5,961.0 | 5,725.1 | 5,173.1 | 6,511.9 | 6,955.6 | 5,810.7 | 4,656.8 | 4,595.1 |
Operating Profit Before Provisions and Contingencies | 4,579.5 | 2,769.9 | 2,602.6 | 2,573.4 | 5,360.1 | 3,443.3 | 3,176.3 | 2,519.7 | 3,174.9 | 3,323.7 | 2,488.1 | 4,108.9 | 1,737.4 | 1,401.4 | 2,314.3 | 2,259.1 | 4,297.5 |
Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Provisions and contingencies | 1,506.4 | 962.9 | -349.9 | 231.0 | -571.2 | -2,074.6 | 1,249.1 | -302.3 | -1,315.6 | 263.5 | 1,507.8 | 773.0 | 43.8 | 29,246.9 | 8,638.2 | 3,825.6 | 8,178.3 |
Profit Before Tax | 3,073.1 | 1,807.0 | 2,952.5 | 2,342.4 | 5,931.3 | 5,517.9 | 1,927.2 | 2,822.0 | 4,490.5 | 3,060.2 | 980.3 | 3,335.9 | 1,693.6 | -27,845.5 | -6,323.9 | -1,566.5 | -3,880.8 |
Tax | 677.2 | 663.9 | 1,061.6 | 815.7 | 1,361.4 | 1,785.5 | -853.8 | 775.0 | 1,029.5 | 52.0 | -1,202.5 | 1,597.4 | 85.7 | -4,090.2 | -2,311.2 | -397.6 | -1,517.8 |
Profit After Tax | 2,395.9 | 1,143.1 | 1,890.9 | 1,526.7 | 4,569.9 | 3,732.4 | 2,781.0 | 2,047.0 | 3,461.0 | 3,008.2 | 2,182.8 | 1,738.5 | 1,607.9 | -23,755.3 | -4,012.7 | -1,168.9 | -2,363.0 |
Net Profit | 2,395.9 | 1,143.1 | 1,890.9 | 1,526.7 | 4,569.9 | 3,732.4 | 2,781.0 | 2,047.0 | 3,461.0 | 3,008.2 | 2,182.8 | 1,738.5 | 1,607.9 | -23,755.3 | -4,012.7 | -1,168.9 | -2,363.0 |
ADDITIONAL INFOS: | |||||||||||||||||
Equity Capital | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 67,777.9 | 40,526.7 | 40,526.7 | 40,526.7 | 40,526.7 | 7,010.5 | 7,010.5 | 7,010.5 | 7,010.5 |
Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 74,185.0 | 0.0 | 0.0 | 0.0 | 63,129.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Capital Adequacy Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
% of Net NPAs | 1.5 | 1.8 | 1.9 | 2.0 | 1.8 | 2.0 | 2.2 | 2.6 | 2.7 | 3.0 | 3.8 | 3.6 | 4.0 | 2.8 | 5.9 | 7.6 | 8.0 |
% of Gross NPAs | 4.2 | 5.7 | 6.2 | 6.8 | 7.0 | 8.4 | 9.7 | 11.3 | 12.2 | 14.4 | 14.5 | 13.3 | 13.8 | 13.1 | 14.1 | 14.3 | 14.2 |
Return on Assets | 0.7 | 0.3 | 0.5 | 0.4 | 1.3 | 1.1 | 0.8 | 0.6 | 1.1 | 1.0 | 0.7 | 0.6 | 0.6 | -8.9 | -1.6 | -0.5 | -0.9 |
EPS | 0.4 | 0.2 | 0.3 | 0.2 | 0.7 | 0.6 | 0.4 | 0.3 | 0.9 | 0.7 | 0.5 | 0.4 | 1.7 | -33.9 | -5.7 | -1.7 | -3.4 |
Operating Profit Margin | 3,097,763.5 | 2,852,606.5 | 2,674,049.8 | 2,494,273.5 | 2,651,879.5 | 2,244,979.8 | 2,120,079.0 | 1,915,377.6 | 2,007,805.8 | 2,041,938.6 | 1,945,022.5 | 2,039,513.6 | 1,940,510.2 | 1,982,415.5 | 1,999,091.8 | 1,954,294.0 | 2,289,332.2 |
Net Profit Margin | 8.7 | 4.6 | 7.9 | 6.6 | 21.7 | 17.7 | 14.0 | 11.4 | 19.3 | 16.1 | 12.5 | 10.3 | 10.0 | -134.7 | -22.3 | -6.5 | -12.4 |
The Industry Mcap Growth stands at 30.97, vs the Mcap Growth of 66.21, which results in a Positive aspect.
The Industry Net Sales Growth stands at 19.88, vs the Net Sales Growth of 12.64, which results in a Negative aspect.
Type | Classic | Woodie | Camarilla |
---|---|---|---|
R4 | 50.33 | 51.65 | 48.66 |
R3 | 49.87 | 49.76 | 48.35 |
R2 | 49.41 | 49.35 | 48.24 |
R1 | 48.72 | 48.61 | 48.14 |
Pivot | 48.26 | 48.20 | 48.26 |
S1 | 47.57 | 47.46 | 47.92 |
S2 | 47.11 | 47.05 | 47.82 |
S3 | 46.42 | 46.31 | 47.71 |
S4 | 45.73 | 44.75 | 47.40 |
(All Values are in INR)
1 Day
1 Week
1 Month
Stoch RSI
0.00
Bullish
RSI
42.29
Neutral
ROC
-10.24
Bearish
UltimateOscillator
24.25
Bearish
Williams Indicator
-97.29
Bullish
CCI Indicator
-108.03
Bullish
MACD
-2,899.32
Bearish
Stochastic Indicator
2.33
Bullish
ATR
3.68
High Volatility
Ex-Date | Ratio | Record Date |
---|
Ex-Date | Ratio | Record Date |
---|---|---|
Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
---|---|---|---|
04-07-2023 | 0.48 | 4.8 | Final |
04-07-2022 | 0.31 | 3.1 | Final |
Date Of Conduct | Board Meeting Details |
---|---|
19-10-2024 | Quarterly Results |
28-02-2024 | Inter alia, for considering the following agenda item:- 1) To raise capital up to an amount and aggregating to Rs.2000 crore in any combinations(s) thereof and in one or more tranches within a period of 12 months from the date of approval by way of issue of: a) Equity shares through Public Issue (Follow on Public Offer) / Rights Issue / Qualified Institutional Placement(s) / Preferential Issue or any other mode of combination(s) thereof b) Bonds in the form of Basel III compliant Additional Tier I Bonds / Basel III compliant Tier II Bonds. |
31-01-2024 | Quarterly Results |
03-11-2023 | Quarterly Results |
05-08-2023 | Quarterly Results |
12-06-2023 | Inter alia, to consider and approve the proposal for raising of capital through issuance of Basel-111 compliant Additional Tier-1 Bonds or Tier-IT Bonds up to an amount of Rs.750 crore, in one or more tranches within a period of 12 months from the date of approval |
02-05-2023 | Final Dividend & Audited Results |
21-01-2023 | Quarterly Results |
30-12-2022 | Inter alia, for considering the following agenda item: 1) To raise capital up to an amount and aggregating to Rs.250 crore in any combinations(s) thereof and in one or more tranches within a period of 12 months from the date of approval by way of issue of: a) Equity shares through Public Issue (Follow on Public Offer) / Rights Issue / Qualified Institutional Placement(s) / Preferential Issue or any other mode of combination(s) thereof b) Bonds in the form of Basel III compliant Additional Tier I Bonds / Basel III compliant Tier II Bonds. |
05-11-2022 | Quarterly Results |
01-08-2022 | Quarterly Results |
19-05-2022 | Audited Results |
29-03-2022 | Inter alia, to consider and approve the exercise of the Call Option on the Additional Tier I - Bond Series I issued by the Bank. |
17-02-2022 | Preferential Issue of shares Inter alia, for considering the following agenda item : 1. To offer, issue, create and allot Equity Shares up to Rs.4600 crore (including share premium) to the Government of India by way of preferential issue of equity shares. You are requested to take a note of the above, pursuant to Regulation 29(1) (d) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. |
07-02-2022 | Quarterly Results |
01-11-2021 | Quarterly Results |
29-07-2021 | Quarterly Results |
22-05-2021 | Audited Results |