CreditBrief

What Punjab & Sind 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 ₹1.26 lakh crore (+6.9% since March).

Punjab & Sind BankPublic sector banks

₹1.18lakh croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers23rdof 33 banks on CreditBrief, March 2026
Biggest segment38.6%Corporate, latest split (30 Sep 2026)
Share of the combined book0.6%of all banks on CreditBrief

Chapter 01 · The loan book

₹1.18 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 & Sind Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate down, and you get ₹1.18 lakh crore. By 30 Sep 2026 it was ₹1.26 lakh crore.

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

40%People and households₹50,693 croreHome LoansVehicle LoansPersonal LoanGold LoansOthers (retail)
60%Businesses₹75,226 croreTotal MSMECorporate

Drilling down: what it lends against · 30 Sep 2026

  • Corporate₹48,643 crore38.6%
  • Total MSME₹26,583 crore21.1%
  • Total Agri₹17,215 crore13.7%
  • Home Loans₹13,584 crore10.8%
  • Gold Loans₹9,804 crore7.8%
  • Others (retail)₹4,535 crore3.6%
  • Vehicle Loans₹4,356 crore3.5%
  • Personal Loan₹1,199 crore1%

Corporate is on page 10; retail, agriculture and MSME on page 11. Gold loans include ₹7,087 crore bought by direct assignment.

Sources: Punjab & Sind Bank Investor Presentation Q4 FY26, PDF page 11 ↗ for March 2026; Punjab & Sind Bank Investor Presentation Q2 FY27, PDF page 8 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 14% a year since March 2022.

From ₹70,387 crore on 31 March 2022 to ₹1.18 lakh crore on 31 March 2026, and ₹1.26 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights41 figures from 11 filings · each checked against its pageHow it works
Punjab & Sind Bank · loan book · 31 March 2026₹1.18lakh crore+18% in FY2025-26₹1.26 lakh crore by 30 Sep 2026
  1. 0114%a year since 2022Grew 14% a year from March 2022 to March 2026, faster than 10 of the 29 other banks with like-for-like figures for those years.
  2. 0218%in FY2025-26Growth picked up to 18% in FY2025-26, from 16% the year before.
  3. 0322ndamong peersSlipped from 22nd to 23rd biggest of these 33 banks between March 2022 and March 2026.
Deposits₹1.46 lakh crore+12% · in FY2025-26
Loans to deposits80.8%+4.0 pts · in FY2025-26
CASA ratio30.8%-0.7 pts · in FY2025-26
Retail, agriculture and MSME loans₹69,276 crore+26% · in FY2025-26
Corporate and wholesale loans₹48,547 crore+8.7% · in FY2025-26
Branches1,654+2.7% · in FY2025-26
Mobile app users0.9 million+30% · in FY2024-25
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances70,38780,98285,96499,6051,17,8231,25,919
Retail, agriculture and MSME loans₹ crore35,69240,59144,46754,93269,27677,276
Corporate and wholesale loans₹ crore34,69540,39141,49744,67348,54748,643
Deposits₹ crore1,02,1371,09,6651,19,4101,29,7741,45,8291,53,312
CASA ratio%33.8133.5932.4231.4330.7728.83
BranchesNumber1,5301,5371,5641,6101,6541,694
Mobile app usersMillion0.20.50.70.91.2

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 & Sind 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 & Sind Bank, Q2 FY2026-27: loan book ₹1.26 lakh crore, +6.9% since March

  • ₹1.26 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate, 39% of the book
  • Every figure links to page 8 of its filing

Chapter 03 · Among its peers

23rd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.6% 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
  9. 23Punjab & Sind Bank₹1.18 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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