Punjab & Sind Bank (PSB) Q1 Results FY27 Preview: Date, Time, Expectations & Key Things To Watch

Q: How did Punjab & Sind Bank's advances perform in the first quarter of FY27?

The bank reported provisional gross advances of Rs. 1,19,440 Cr, representing a 19.50% YoY growth. This performance places the bank ahead of its full-year guidance range of 16%–18%.

Q: What is the bank's outlook for Gross NPA in FY27?

Management has set a target to reduce Gross NPA to below 2.0% for FY27. This follows a significant improvement in FY26, where Gross NPA dropped to 2.40% from 3.38% in the previous year.

Q: Is the bank on track with its deposit growth guidance?

Provisional data for Q1 FY27 shows deposit growth at 12.16% YoY, which is slightly behind the full-year guidance of 13%–14%. The bank's CD ratio has risen to 81.18%, indicating that loan growth is currently outpacing deposit mobilization.

CompoundingAI Research Updated July 15, 2026 3 min read

Punjab & Sind Bank enters its Q1 FY27 results following a period of robust credit expansion that has outpaced system-wide growth. Investors will be focused on whether this loan momentum can translate into improved margins despite a static interest rate environment and persistent pressure on the bank's CASA ratio.

Quick Details

Results date	July 18, 2026
Quarter	Q1 FY 2026-2027
Previous quarter revenue	Rs. 13,759.30 Cr
Previous quarter PAT	Rs. 1,321.93 Cr
Previous quarter EBITDA margin	N/A
Market cap	Rs. 17,504.57 Cr
CMP	Rs. 24.61

Punjab & Sind Bank Q1 Results Date and Time

The board is scheduled to meet on 18 July 2026 to consider the unaudited financial results for the quarter ended June 2026.

The earnings conference call is scheduled for 20 July 2026 at 4:00 PM via Webex.

What to expect from Punjab & Sind Bank's Q1 FY27 results

The bank's provisional advances growth of 19.5% YoY in Q1 FY27 suggests it is outpacing the broader system credit demand of ~18% recorded in May 2026. While the repo rate remained steady at 5.25% throughout the quarter, management aims to lift NIM from the FY26 level of 2.55% toward a target range of 2.65%–2.70% by leveraging higher-yield RAM assets. Asset quality remains a positive trend, with the bank aiming to reduce Gross NPA below the 2.40% reported in FY26, supported by a recovery target of over Rs. 1,000 Cr for the year. However, the deposit growth of 12.16% YoY remains slightly behind the full-year guidance of 13%–14%, highlighting a tight liquidity environment that will likely be a key discussion point during the upcoming call.

Key Things To Watch

Performance vs Guidance Tracking

Deposit growth — 13-14% target — 12.16% YoY achieved in Q1
Advances growth — 16-18% target — 19.50% YoY achieved in Q1
RAM share — >60% target — 58.80% in Q4 FY26
Gross NPA — <2% target — 2.40% in Q4 FY26
Net NPA — <0.65% target — 0.79% in Q4 FY26

NIM and Margin Management

Assessment of NIM trajectory given the static 5.25% repo rate and 46% EBLR-linked book
Strategies to mitigate the structural drag from a low CASA base
Impact of portfolio rejigging and deposit repricing on the cost-to-income ratio

Asset Quality and Provisioning

Update on MSME segment stress levels and associated provisioning
Roadmap for the Rs. 600-800 Cr capital impact from upcoming ECL implementation
Progress on the annual recovery and upgradation target of over Rs. 1,000 Cr

Strategic and Operational Updates

Operational status and initial capital allocation for the new IFSC Banking Unit at GIFT City
Progress on the UnIC 2.0 digital transformation platform
Status of the 200+ branch expansion plan and BC network scaling

Frequently Asked Questions

How did Punjab & Sind Bank's advances perform in the first quarter of FY27?

The bank reported provisional gross advances of Rs. 1,19,440 Cr, representing a 19.50% YoY growth. This performance places the bank ahead of its full-year guidance range of 16%–18%.

What is the bank's outlook for Gross NPA in FY27?

Management has set a target to reduce Gross NPA to below 2.0% for FY27. This follows a significant improvement in FY26, where Gross NPA dropped to 2.40% from 3.38% in the previous year.

Is the bank on track with its deposit growth guidance?

Provisional data for Q1 FY27 shows deposit growth at 12.16% YoY, which is slightly behind the full-year guidance of 13%–14%. The bank's CD ratio has risen to 81.18%, indicating that loan growth is currently outpacing deposit mobilization.