# Punjab National Bank

> Public sector banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/pnb

## Loan book

- ₹12.59 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances).
- ₹13.41 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: Punjab National Bank Analyst Presentation Q4 FY26, PDF page 11: https://nsearchives.nseindia.com/corporate/pnb2_05052026133509_Intimation_Analyst_Presentation_05052026_DS.pdf

## Findings

- Grew 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.
- Growth held steady at 13% in FY2025-26, from 14% the year before.
- Held its place as the 5th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Corporate & Others: ₹5.35 lakh crore (39.9%)
- Retail: ₹2.97 lakh crore (22.1%)
- MSME: ₹2.15 lakh crore (16%)
- Agriculture: ₹2.10 lakh crore (15.7%)
- Overseas Advances: ₹84,110 crore (6.3%)

Source: Punjab National Bank Analyst Presentation Q2 FY27, PDF page 12: https://nsearchives.nseindia.com/corporate/pnb2_16102026162720_Intimation_AnalystPresentation_16102026_DS_.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 7,85,104 | 8,84,681 | 9,83,325 | 11,16,637 | 12,58,559 | 13,41,194 |
| Retail, agriculture and MSME loans (₹ crore) | 3,88,912 | 4,69,981 | 5,20,050 | 6,02,682 | 6,75,725 | 7,21,996 |
| Corporate and wholesale loans (₹ crore) | 3,70,302 | 3,79,785 | 4,22,341 | 4,63,367 | 5,17,225 | 5,35,088 |
| Deposits (₹ crore) | 11,46,218 | 12,81,163 | 13,69,713 | 15,66,623 | 17,11,126 | 17,77,240 |
| CASA ratio (%) | 47.43 | 43.00 | 41.44 | 37.95 | 37.00 | 36.60 |
| Branches (Number) | 10,098 | 10,076 | 10,136 | 10,189 | 10,324 | 10,481 |
| Mobile app users (Million) |  | 11.6 | 17.4 | 21.4 |  | 28.5 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Global Gross Advances 739407 755306 785104" (Punjab National Bank Analyst Presentation March 2022 (PNB website), PDF page 4) https://pnb.bank.in/downloadprocess.aspx?fid=9m9yVijy0tWh3zErE9LQeg==
- Loan book, FY2022-23 (31 Mar 2023): "Global Advances (2+3) 884681 967256 983325" (Punjab National Bank Analyst Presentation Q4 FY24, PDF page 9) https://nsearchives.nseindia.com/corporate/PNB_09052024144016_Intimation_Analyst_presentation_09052024_final_DS.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Global Advances (2+3) 884681 967256 983325" (Punjab National Bank Analyst Presentation Q4 FY24, PDF page 9) https://nsearchives.nseindia.com/corporate/PNB_09052024144016_Intimation_Analyst_presentation_09052024_final_DS.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Global Advances (2+3) 1116637 1231238 1258559" (Punjab National Bank Analyst Presentation Q4 FY26, PDF page 11) https://nsearchives.nseindia.com/corporate/pnb2_05052026133509_Intimation_Analyst_Presentation_05052026_DS.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Global Advances (2+3) 1116637 1231238 1258559" (Punjab National Bank Analyst Presentation Q4 FY26, PDF page 11) https://nsearchives.nseindia.com/corporate/pnb2_05052026133509_Intimation_Analyst_Presentation_05052026_DS.pdf
- Loan book, 30 Sep 2026: "Global Advances (2+3) 1169592 1273132 1341194" (Punjab National Bank Analyst Presentation Q2 FY27, PDF page 12) https://nsearchives.nseindia.com/corporate/pnb2_16102026162720_Intimation_AnalystPresentation_16102026_DS_.pdf
- Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "7 RAM (4+5+6) 388912 442913 469981" (PNB Analyst Presentation March 2023, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "7 RAM (4+5+6) 388912 442913 469981" (PNB Analyst Presentation March 2023, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "7 RAM (4+5+6)* 469981 512327 520050" (PNB Analyst Presentation March 2024, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "7 RAM (4+5+6) 520050 596482 602682" (PNB Analyst Presentation March 2025, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "7 RAM (4+5+6) 602682 661826 675725" (PNB Analyst Presentation March 2026, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=IKC%2BH2ufHGK0lpKCrFJz6Q%3D%3D
- Retail, agriculture and MSME loans, 30 Sep 2026: "7 RAM (4+5+6) 635417 688487 721996" (PNB Analyst Presentation September 2026, PDF page 11) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "9 Corporate & Others 370302 378202 379785" (PNB Analyst Presentation March 2023, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "9 Corporate & Others 370302 378202 379785" (PNB Analyst Presentation March 2023, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "9 Corporate & Others* 379785 418016 422341" (PNB Analyst Presentation March 2024, PDF page 8) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "9 Corporate & Others 422341 463723 463367" (PNB Analyst Presentation March 2025, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "9 Corporate & Others 463367 504967 517225" (PNB Analyst Presentation March 2026, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=IKC%2BH2ufHGK0lpKCrFJz6Q%3D%3D
- Corporate and wholesale loans, 30 Sep 2026: "9 Corporate & Others 482468 515372 535088" (PNB Analyst Presentation September 2026, PDF page 11) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D
- Deposits, FY2021-22 (31 Mar 2022): "Global Deposits 1106332 1127317 1146218" (PNB Analyst Presentation March 2022, PDF page 4) https://pnb.bank.in/downloadprocess.aspx?fid=9m9yVijy0tWh3zErE9LQeg%3D%3D
- Deposits, FY2022-23 (31 Mar 2023): "1 Global Deposits 1146218 1210359 1281163" (PNB Analyst Presentation March 2023, PDF page 7) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Deposits, FY2023-24 (31 Mar 2024): "1 Global Deposits (2+3) 1281163 1323486 1369713" (PNB Analyst Presentation March 2024, PDF page 7) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- Deposits, FY2024-25 (31 Mar 2025): "1 Global Deposits (2+3) 1369713 1529699 1566623" (PNB Analyst Presentation March 2025, PDF page 9) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Deposits, FY2025-26 (31 Mar 2026): "1 Global Deposits (2+3) 1566623 1660290 1711126" (PNB Analyst Presentation March 2026, PDF page 9) https://pnb.bank.in/downloadprocess.aspx?fid=IKC%2BH2ufHGK0lpKCrFJz6Q%3D%3D
- Deposits, 30 Sep 2026: "1 Global Deposits (2+3) 1617080 1724837 1777240" (PNB Analyst Presentation September 2026, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA Share 45.48% 45.65% 47.43%" (PNB Analyst Presentation March 2022, PDF page 4) https://pnb.bank.in/downloadprocess.aspx?fid=9m9yVijy0tWh3zErE9LQeg%3D%3D
- CASA ratio, FY2022-23 (31 Mar 2023): "7 CASA Share % 47.4% 43.7% 43.0%" (PNB Analyst Presentation March 2023, PDF page 7) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- CASA ratio, FY2023-24 (31 Mar 2024): "7 Domestic CASA Share % 42.98% 42.47% 41.44%" (PNB Analyst Presentation March 2024, PDF page 7) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- CASA ratio, FY2024-25 (31 Mar 2025): "7 Domestic CASA Share % 41.44% 38.12% 37.95%" (PNB Analyst Presentation March 2025, PDF page 9) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- CASA ratio, FY2025-26 (31 Mar 2026): "7 Domestic CASA Share % 38.0% 37.1% 37.0%" (PNB Analyst Presentation March 2026, PDF page 9) https://pnb.bank.in/downloadprocess.aspx?fid=IKC%2BH2ufHGK0lpKCrFJz6Q%3D%3D
- CASA ratio, 30 Sep 2026: "7 Domestic CASA Share % 37.3% 36.7% 36.6%" (PNB Analyst Presentation September 2026, PDF page 10) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D
- Branches, FY2021-22 (31 Mar 2022): "(Domestic) 1493566 85231 287716 10,098" (PNB Analyst Presentation March 2022, PDF page 39) https://pnb.bank.in/downloadprocess.aspx?fid=9m9yVijy0tWh3zErE9LQeg%3D%3D
- Branches, FY2022-23 (31 Mar 2023): "(Domestic) 3,93,814 10,076 12898 24227" (PNB Analyst Presentation March 2023, PDF page 41) https://pnb.bank.in/downloadprocess.aspx?fid=UmVMgjZ%2FHGcKe8hon9CPmA%3D%3D
- Branches, FY2023-24 (31 Mar 2024): "Subsidiaries:-London(UK) and Bhutan 10136" (PNB Analyst Presentation March 2024, PDF page 40) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- Branches, FY2024-25 (31 Mar 2025): "10189 11822 33349" (PNB Analyst Presentation March 2025, PDF page 43) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Branches, FY2025-26 (31 Mar 2026): "10324 11065 33314" (PNB Analyst Presentation March 2026, PDF page 41) https://pnb.bank.in/downloadprocess.aspx?fid=IKC%2BH2ufHGK0lpKCrFJz6Q%3D%3D
- Branches, 30 Sep 2026: "10,481 10,915 32,276" (PNB Analyst Presentation September 2026, PDF page 40) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D
- Mobile app users, FY2022-23 (31 Mar 2023): "541 174 25 283 116" (PNB Analyst Presentation March 2024, PDF page 35) https://pnb.bank.in/downloadprocess.aspx?fid=HgGIoVlm%2FBa3mT4klxSf2Q%3D%3D
- Mobile app users, FY2023-24 (31 Mar 2024): "997 214 61.6 659 174" (PNB Analyst Presentation March 2025, PDF page 36) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Mobile app users, FY2024-25 (31 Mar 2025): "997 214 61.6" (PNB Analyst Presentation March 2025, PDF page 36) https://pnb.bank.in/downloadprocess.aspx?fid=3A2WZXJNUHj6ZT8IuSaAbw%3D%3D
- Mobile app users, 30 Sep 2026: "(100+ features) 285" (PNB Analyst Presentation September 2026, PDF page 35) https://pnb.bank.in/downloadprocess.aspx?fid=b2Yy%2BNrrTBBM1UVxgm%2FMaQ%3D%3D

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