CreditBrief

What Punjab National Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹13.41 lakh crore (+6.6% since March).

Punjab National BankPublic sector banks

₹12.59lakh croreglobal gross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers5thof 33 banks on CreditBrief, March 2026
Biggest segment39.9%Corporate & Others, latest split (30 Sep 2026)
Share of the combined book5.9%of all banks on CreditBrief

Chapter 01 · The loan book

₹12.59 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Punjab National Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate & others down, and you get ₹12.59 lakh crore. By 30 Sep 2026 it was ₹13.41 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

38%People and households₹5.07 lakh croreRetailAgriculture
56%Businesses₹7.50 lakh croreMSMECorporate & Others

6% sits in lines the filing does not tie to either: Overseas Advances.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate & Others₹5.35 lakh crore39.9%
  • Retail₹2.97 lakh crore22.1%
  • MSME₹2.15 lakh crore16%
  • Agriculture₹2.10 lakh crore15.7%
  • Overseas Advances₹84,110 crore6.3%

The filing calls this "Global Advances". It is gross, since net advances are shown separately at ₹13,10,451 crore. Retail includes loans shared through IBPC.

Sources: Punjab National Bank Analyst Presentation Q4 FY26, PDF page 11 ↗ for March 2026; Punjab National Bank Analyst Presentation Q2 FY27, PDF page 12 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 13% a year since March 2022.

From ₹7.85 lakh crore on 31 March 2022 to ₹12.59 lakh crore on 31 March 2026, and ₹13.41 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights40 figures from 10 filings · each checked against its pageHow it works
Punjab National Bank · loan book · 31 March 2026₹12.59lakh crore+13% in FY2025-26₹13.41 lakh crore by 30 Sep 2026
  1. 0113%a year since 2022Grew 13% a year from March 2022 to March 2026, faster than 5 of the 29 other banks with like-for-like figures for those years.
  2. 0213%in FY2025-26Growth held steady at 13% in FY2025-26, from 14% the year before.
  3. 035thamong peersHeld its place as the 5th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹17.11 lakh crore+9.2% · in FY2025-26
Loans to deposits73.6%+2.3 pts · in FY2025-26
CASA ratio37.0%-1.0 pts · in FY2025-26
Retail, agriculture and MSME loans₹6.76 lakh crore+12% · in FY2025-26
Corporate and wholesale loans₹5.17 lakh crore+12% · in FY2025-26
Branches10,324+1.3% · in FY2025-26
Mobile app users21.4 million+23% · in FY2024-25
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · global gross advances7,85,1048,84,6819,83,32511,16,63712,58,55913,41,194
Retail, agriculture and MSME loans₹ crore3,88,9124,69,9815,20,0506,02,6826,75,7257,21,996
Corporate and wholesale loans₹ crore3,70,3023,79,7854,22,3414,63,3675,17,2255,35,088
Deposits₹ crore11,46,21812,81,16313,69,71315,66,62317,11,12617,77,240
CASA ratio%47.4343.0041.4437.9537.0036.60
BranchesNumber10,09810,07610,13610,18910,32410,481
Mobile app usersMillion11.617.421.428.5

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Punjab National Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Punjab National Bank, Q2 FY2026-27: loan book ₹13.41 lakh crore, +6.6% since March

  • ₹13.41 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate & Others, 40% of the book
  • Every figure links to page 12 of its filing

Chapter 03 · Among its peers

5th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 5.9% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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