Punjab & Sind Bank›Financial health

Punjab & Sind Bank

RBI-published financial indicators · Q4FY2026

PSUNSE+BSE: PSB
Compared with 43 banks
17.4
Capital adequacyⓘ
✓RBIRBI min 9%
#5/12 PSU
2.4
Gross NPAⓘ
✓RBI PCAPCA trigger 6%
#7/12 PSU
1.0
Return on assetsⓘ
✓RBI PCAPCA floor 0.25%
#10/12 PSU
📈

Stock returns

Historical CAGR · Past performance ≠ future results

1Y
-23%
CAGR
#37/38
3Y
-8%
CAGR
#35/36
5Y
+4%
CAGR
#29/35
✓

Deposits insured up to ₹5,00,000

Per depositor, per bank — by DICGC (RBI subsidiary)

⭐

Customer experience

Mobile app rating and RBI Ombudsman complaint data.

Google Playⓘ
PSB UniC
4.4
out of 5
★★★★★22K reviews
✓IndustryUsable threshold 4.0+
#3/12 PSU·#15/26 All SCBs
Ombudsman complaintsⓘ
552
RBI Ombudsman FY23
#1/4 PSU·#2/5 All SCBs
🛡

Safety & asset quality

Capital buffer + bad-loan ratios. Higher CAR, lower NPA = safer.

Capital adequacy (CAR)ⓘ
17.42%
✓RBIRBI min 9%
#5/12 PSU·#26/42 All SCBs
Gross NPAⓘ
2.40%
✓RBI PCAPCA trigger 6%
#7/12 PSU·#26/43 All SCBs
Net NPAⓘ
0.79%
✓RBI PCAPCA trigger 6%
#12/12 PSU·#33/43 All SCBs
📊

Profitability

Earnings efficiency. Strong margins & returns = well-run bank.

Net interest marginⓘ
2.65%
✓IndustryIndustry avg 2.5%+
#11/12 PSU·#40/41 All SCBs
CASA ratioⓘ
30.77%
✓IndustryIndustry avg 30%+
#11/12 PSU·#28/42 All SCBs
Return on assetsⓘ
0.96%
✓RBI PCAPCA floor 0.25%
#10/12 PSU·#33/41 All SCBs
Return on equityⓘ
8.71%
✓IndustryIndustry avg 8%+
#11/12 PSU·#33/41 All SCBs
🏦

Scale & reach

Larger deposit base + branch network = wider accessibility.

Branchesⓘ
1,817
#12/12 PSU·#20/42 All SCBs
Total depositsⓘ
1.5L Cr
#12/12 PSU·#23/43 All SCBs
Total advancesⓘ
1.2L Cr
#12/12 PSU·#23/41 All SCBs
Net profitⓘ
₹422 Cr
#12/12 PSU·#26/42 All SCBs
Rankings:Among PSU peersAmong all 43 SCBs

Compare all banks

Side-by-side on any metric. Click a bank name to view its page. Data: Q4FY2026.

#BankCapital adequacy
1
Tamilnad Mercantile BankPrivate
33.73%
2
IDBI BankPrivate
26.65%
3
Kotak Mahindra BankPrivate
23.40%
4
Capital Small Finance BankSFB
22.31%
5
ESAF Small Finance BankSFB
22.20%
6
City Union BankPrivate
21.92%
7
Equitas Small Finance BankSFB
21.40%
8
Ujjivan Small Finance BankSFB
21.14%
9
Shivalik Small Finance BankSFB
20.80%
10
CSB BankPrivate
20.66%
11
Suryoday Small Finance BankSFB
20.45%
12
Karnataka BankPrivate
20.07%
13
Indian Overseas BankPSU
19.78%
14
HDFC BankPrivate
19.70%
15
South Indian BankPrivate
19.66%
16
Jana Small Finance BankSFB
19.40%
17
Dhanlaxmi BankPrivate
18.92%
18
Karur Vysya BankPrivate
18.76%
19
AU Small Finance BankSFB
18.68%
20
UCO BankPSU
18.51%
21
Bank of MaharashtraPSU
18.36%
22
Central Bank of IndiaPSU
17.91%
23
DBS BankForeign
17.80%
24
Utkarsh Small Finance BankSFB
17.71%
25
Axis BankPrivate
17.60%
26
Punjab & Sind BankPSU
17.42%
27
Union Bank of IndiaPSU
17.25%
28
Canara BankPSU
17.04%
29
IndusInd BankPrivate
16.95%
30
Bank of BarodaPSU
16.90%
31
Bandhan BankPrivate
16.60%
32
Jammu & Kashmir BankPrivate
16.55%
33
DCB BankPrivate
16.55%
34
Bank of IndiaPSU
16.50%
35
Indian BankPSU
16.45%
36
Punjab National BankPSU
16.10%
37
Federal BankPrivate
15.70%
38
IDFC First BankPrivate
15.60%
39
State Bank of IndiaPSU
15.40%
40
ICICI BankPrivate
15.30%
41
Yes BankPrivate
15.30%
42
RBL BankPrivate
14.25%
42 banks · sorted by Capital adequacy (CAR) (higher is better)RBI minimum: 9%

Data sources & disclaimer

All data sourced from RBI quarterly statistical supplements, bank investor presentations, BSE/NSE filings, Screener.in (stock returns), Google Play Store (app ratings), and RBI Ombudsman Annual Report (complaint data). This is a factual transparency dashboard — not a credit rating, safety score, investment recommendation, or opinion on any bank. Checkmarks (✓) indicate the reported value meets or exceeds a specific published RBI regulatory threshold or industry average — they are not endorsements or pass/fail judgments. Green highlighting indicates the value meets a published RBI threshold or industry benchmark; grey cards are informational comparisons without a pass/fail threshold. Peer rankings are factual sort-order among banks with published data. DICGC deposit insurance (₹5 lakh) applies to all scheduled commercial banks regardless of any metric shown here. Stock returns are historical CAGR — past performance does not guarantee future results. App ratings are from Google Play Store and reflect user-submitted reviews; they are not verified by MyPassbook. Ombudsman complaint data is from the RBI Annual Report on the Ombudsman Schemes (FY2022-23); bank-wise data for later periods is not publicly available. MyPassbook is not a SEBI-registered investment adviser or credit rating agency.