PUNJAB & SIND BANK
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and central sector interest subsidiary schemes, roof solar top solar finance, and debt restructuring services. In addition, it offers locker facility and government schemes; life, general, and health insurance services; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding and pay, point of sale, unified payment interface, BBPS, IMPS/USSD, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, residential facilities, and gold card scheme; and social banking services. The company was incorporated in 1908 and is headquartered in New Delhi, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Dec has averaged the highest return (+11.0%); Mar the lowest (-4.5%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +0.6%Neutral MonthJan 2026: +0.58% | -4.6%Negative MonthFeb 2026: -4.59% | -22.5%Negative MonthMar 2026: -22.55% | +20.9%Positive MonthApr 2026: +20.86% | -3.7%Negative MonthMay 2026: -3.73% | +1.1%Neutral MonthJun 2026: +1.08% | -2.3%*Negative MonthJul 2026: -2.27% | β | β | β | β | β |
| 2025 | +0.4%Neutral MonthJan 2025: +0.44% | -16.5%Negative MonthFeb 2025: -16.50% | +8.0%Positive MonthMar 2025: +8.02% | -31.9%Negative MonthApr 2025: -31.88% | +7.9%Positive MonthMay 2025: +7.93% | +3.1%Positive MonthJun 2025: +3.09% | -11.5%Negative MonthJul 2025: -11.52% | -4.9%Negative MonthAug 2025: -4.90% | +7.2%Positive MonthSep 2025: +7.21% | +5.2%Positive MonthOct 2025: +5.18% | -4.4%Negative MonthNov 2025: -4.41% | -7.3%Negative MonthDec 2025: -7.29% |
| 2024 | +17.4%Positive MonthJan 2024: +17.40% | +27.3%Positive MonthFeb 2024: +27.32% | -7.4%Negative MonthMar 2024: -7.38% | +5.5%Positive MonthApr 2024: +5.47% | -3.1%Negative MonthMay 2024: -3.13% | -2.4%Negative MonthJun 2024: -2.38% | +11.1%Positive MonthJul 2024: +11.08% | -10.2%Negative MonthAug 2024: -10.18% | -7.4%Negative MonthSep 2024: -7.38% | -5.4%Negative MonthOct 2024: -5.39% | -3.9%Negative MonthNov 2024: -3.88% | -4.1%Negative MonthDec 2024: -4.07% |
| 2023 | -13.0%Negative MonthJan 2023: -12.98% | -11.9%Negative MonthFeb 2023: -11.86% | -1.2%Neutral MonthMar 2023: -1.23% | +40.1%Positive MonthApr 2023: +40.07% | -10.0%Negative MonthMay 2023: -10.01% | -1.3%Neutral MonthJun 2023: -1.33% | +2.7%Positive MonthJul 2023: +2.69% | +5.6%Positive MonthAug 2023: +5.58% | +34.2%Positive MonthSep 2023: +34.19% | -15.3%Negative MonthOct 2023: -15.32% | +4.1%Positive MonthNov 2023: +4.12% | +5.3%Positive MonthDec 2023: +5.32% |
| 2022 | +7.1%Positive MonthJan 2022: +7.14% | -11.0%Negative MonthFeb 2022: -11.01% | +0.7%Neutral MonthMar 2022: +0.65% | +2.9%Positive MonthApr 2022: +2.91% | -1.9%Neutral MonthMay 2022: -1.89% | -9.3%Negative MonthJun 2022: -9.29% | +5.6%Positive MonthJul 2022: +5.58% | +4.7%Positive MonthAug 2022: +4.69% | -0.6%Neutral MonthSep 2022: -0.58% | +6.8%Positive MonthOct 2022: +6.75% | +25.3%Positive MonthNov 2022: +25.30% | +63.0%Positive MonthDec 2022: +62.98% |
| 2021 | β | β | β | β | β | +8.7%Positive MonthJun 2021: +8.71% | -8.5%Negative MonthJul 2021: -8.47% | -15.2%Negative MonthAug 2021: -15.25% | +3.2%Positive MonthSep 2021: +3.24% | +1.7%Neutral MonthOct 2021: +1.71% | -7.6%Negative MonthNov 2021: -7.58% | -2.1%Negative MonthDec 2021: -2.13% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 6 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ11.48 K Cr | β | βΉ1.02 K Cr | β | β | β | 18.4% | 70.8% |
| Mar 2024 | βΉ9.69 K Cr | β | βΉ595.00 Cr | β | β | β | 21.3% | -54.7% |
| Mar 2023 | βΉ7.99 K Cr | β | βΉ1.31 K Cr | β | β | β | 12.6% | 26.4% |
| Mar 2022 | βΉ7.10 K Cr | β | βΉ1.04 K Cr | β | β | β | 1.7% | -138.0% |
| Mar 2021 | βΉ6.97 K Cr | β | βΉ-2733.00 | β | β | β | -12.1% | 175.8% |
| Mar 2020 | βΉ7.93 K Cr | β | βΉ-991.00 | β | β | β | -7.3% | 82.5% |
| Mar 2019 | βΉ8.56 K Cr | β | βΉ-543.00 | β | β | β | 7.7% | -27.0% |
| Mar 2018 | βΉ7.95 K Cr | β | βΉ-744.00 | β | β | β | -2.7% | -470.1% |
| Mar 2017 | βΉ8.17 K Cr | β | βΉ201.00 Cr | β | β | β | -6.5% | -40.2% |
| Mar 2016 | βΉ8.74 K Cr | β | βΉ336.00 Cr | β | β | β | 1.8% | 177.7% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,973 | 8,589 | 8,744 | 8,173 | 7,949 | 8,559 | 7,930 | 6,974 | 7,096 | 7,993 | 9,694 | 11,481 | 12,000 |
| Finance Costs | 6,352 | 6,909 | 6,569 | 6,014 | 5,714 | 6,279 | 5,872 | 4,712 | 4,444 | 5,019 | 6,853 | 7,698 | 8,088 |
| Total Expenses | 1,742 | 1,915 | 2,110 | 2,536 | 3,347 | 3,981 | 4,423 | 6,468 | 2,287 | 2,145 | 2,975 | 3,869 | 4,272 |
| Financing Profit | -121 | -235 | 66 | -377 | -1,112 | -1,702 | -2,366 | -4,206 | 364 | 828 | -134 | -85 | -361 |
| Financing Margin % | -2% | -3% | 1% | -5% | -14% | -20% | -30% | -60% | 5% | 10% | -1% | -1% | -3% |
| Other Income | 427 | 429 | 478 | 578 | 581 | 828 | 897 | 904 | 959 | 940 | 1,221 | 1,568 | 1,858 |
| Depreciation & Amortisation | 60 | 46 | 46 | 0 | 64 | -15 | 54 | 102 | 137 | 148 | 150 | 145 | 0 |
| Profit Before Tax | 246 | 147 | 498 | 201 | -595 | -859 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,497 |
| Tax % | -22% | 18% | 33% | 0% | 25% | -37% | -35% | -20% | 12% | 19% | 36% | 24% | - |
| Net Profit / PAT | 301 | 121 | 336 | 201 | -744 | -543 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,158 |
| EPS (βΉ) | 10.92 | 3.03 | 8.39 | 5.02 | -13.17 | -9.62 | -14.13 | -6.74 | 1.53 | 1.94 | 0.88 | 1.43 | 1.66 |
| Dividend Payout % | 20% | 20% | 20% | 0% | 0% | 0% | 0% | 0% | 20% | 25% | 23% | 5% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| PUNJAB & SIND BANKthis co. | βΉ19.39 K Cr | βΉ11.48 K Cr | 16.70 | 1.42 | 0.00 | 18.4% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
