# Punjab & Sind Bank > Public sector banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/psb ## Loan book - ₹1.18 lakh crore on 31 March 2026, the end of FY2025-26 (Gross advances). - ₹1.26 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: Punjab & Sind Bank Investor Presentation Q4 FY26, PDF page 11: https://nsearchives.nseindia.com/corporate/PSB_27042026221411_bsenseppt.pdf ## Findings - Grew 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. - Growth picked up to 18% in FY2025-26, from 16% the year before. - Slipped from 22nd to 23rd biggest of these 33 banks between March 2022 and March 2026. ## What it lends against (30 Sep 2026) - Corporate: ₹48,643 crore (38.6%) - Total MSME: ₹26,583 crore (21.1%) - Total Agri: ₹17,215 crore (13.7%) - Home Loans: ₹13,584 crore (10.8%) - Gold Loans: ₹9,804 crore (7.8%) - Others (retail): ₹4,535 crore (3.6%) - Vehicle Loans: ₹4,356 crore (3.5%) - Personal Loan: ₹1,199 crore (1%) Source: Punjab & Sind Bank Investor Presentation Q2 FY27, PDF page 8: https://nsearchives.nseindia.com/corporate/PSB_17102026195921_bsense17102026ppt.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) | 70,387 | 80,982 | 85,964 | 99,605 | 1,17,823 | 1,25,919 | | Retail, agriculture and MSME loans (₹ crore) | 35,692 | 40,591 | 44,467 | 54,932 | 69,276 | 77,276 | | Corporate and wholesale loans (₹ crore) | 34,695 | 40,391 | 41,497 | 44,673 | 48,547 | 48,643 | | Deposits (₹ crore) | 1,02,137 | 1,09,665 | 1,19,410 | 1,29,774 | 1,45,829 | 1,53,312 | | CASA ratio (%) | 33.81 | 33.59 | 32.42 | 31.43 | 30.77 | 28.83 | | Branches (Number) | 1,530 | 1,537 | 1,564 | 1,610 | 1,654 | 1,694 | | Mobile app users (Million) | 0.2 | 0.5 | 0.7 | 0.9 | | 1.2 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Total 67811 67933 67574 66710 70387 5.51 3.80 Advances" (Punjab & Sind Bank Investor Presentation Q4 FY22, PDF page 6) https://nsearchives.nseindia.com/corporate/PSB_19052022145414_bsense190522ppt.pdf - Loan book, FY2022-23 (31 Mar 2023): "Total Advances 80982 83559 85964 2.88 6.15" (Punjab & Sind Bank Investor Presentation Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/PSB_11052024130911_bsense11052024presentation.pdf - Loan book, FY2023-24 (31 Mar 2024): "Total Advances 80982 83559 85964 2.88 6.15" (Punjab & Sind Bank Investor Presentation Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/PSB_11052024130911_bsense11052024presentation.pdf - Loan book, FY2024-25 (31 Mar 2025): "Total Advances 99605 110297 117823 6.82" (Punjab & Sind Bank Investor Presentation Q4 FY26, PDF page 11) https://nsearchives.nseindia.com/corporate/PSB_27042026221411_bsenseppt.pdf - Loan book, FY2025-26 (31 Mar 2026): "Total Advances 99605 110297 117823 6.82" (Punjab & Sind Bank Investor Presentation Q4 FY26, PDF page 11) https://nsearchives.nseindia.com/corporate/PSB_27042026221411_bsenseppt.pdf - Loan book, 30 Sep 2026: "Gross Advances 105566 117823 119290 125919" (Punjab & Sind Bank Investor Presentation Q2 FY27, PDF page 8) https://nsearchives.nseindia.com/corporate/PSB_17102026195921_bsense17102026ppt.pdf - Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "RAM 35692 39956 43082 7.82 20.70" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 8) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "Total RAM 40591 43001 44467" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "Total RAM 40591 43001 44467" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "Total RAM 44467 51966 54932" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 9) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "Total RAM 54932 63368 69276" (Punjab & Sind Bank Investor Presentation, March 2026, PDF page 13) https://punjabandsind.bank.in/system/uploads/document/7932_2026042811211312259.pdf - Retail, agriculture and MSME loans, 30 Sep 2026: "Total RAM 58953 69276 71596 77276" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 9) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate 34695 37789 37900 0.29 9.24" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 8) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 40391 40558 41497" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 40391 40558 41497" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 41497 43904 44673" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 9) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate 44673 46929 48547" (Punjab & Sind Bank Investor Presentation, March 2026, PDF page 13) https://punjabandsind.bank.in/system/uploads/document/7932_2026042811211312259.pdf - Corporate and wholesale loans, 30 Sep 2026: "Corporate 46614 48547 47694 48643" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 9) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf - Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 102137 109497 109665" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 102137 109497 109665" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 109665 118355 119410" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 5) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 119410 127397 129774" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 129774 139202 145829" (Punjab & Sind Bank Investor Presentation, March 2026, PDF page 10) https://punjabandsind.bank.in/system/uploads/document/7932_2026042811211312259.pdf - Deposits, 30 Sep 2026: "Total Deposits 135706 145829 147130 153312" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA (%) 33.81 33.30 33.59" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA (%) 33.81 33.30 33.59" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA 33.59 32.77 32.42" (Punjab & Sind Bank Investor Presentation, March 2024, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/2150_2024051310173441481.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA (%) 32.42 31.16 31.43" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 7) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA (%) 31.43 31.02 30.77" (Punjab & Sind Bank Investor Presentation, March 2026, PDF page 12) https://punjabandsind.bank.in/system/uploads/document/7932_2026042811211312259.pdf - CASA ratio, 30 Sep 2026: "CASA (%) 30.31 30.77 30.06 28.83" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 8) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf - Branches, FY2021-22 (31 Mar 2022): "Number of Branches 1531 1530 1537" (Punjab & Sind Bank Annual Report 2022-23, PDF page 4) https://punjabandsind.bank.in/document/Punjab_Sind_Bank_Annual_Report_t2022_23_Final.pdf - Branches, FY2022-23 (31 Mar 2023): "Number of Branches 1531 1530 1537" (Punjab & Sind Bank Annual Report 2022-23, PDF page 4) https://punjabandsind.bank.in/document/Punjab_Sind_Bank_Annual_Report_t2022_23_Final.pdf - Branches, FY2023-24 (31 Mar 2024): "Number of Branches 1,654 1,610 1,564" (Punjab & Sind Bank Annual Report 2025-26, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/2150_2026070616492019651.pdf - Branches, FY2024-25 (31 Mar 2025): "Total 1,610 56.02%" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 30) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Branches, FY2025-26 (31 Mar 2026): "Number of Branches 1,654 1,610 1,564" (Punjab & Sind Bank Annual Report 2025-26, PDF page 6) https://punjabandsind.bank.in/system/uploads/document/2150_2026070616492019651.pdf - Branches, 30 Sep 2026: "Grand Total 331 590 348 425 1694" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 30) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "PSB Unic Registration (In Lakhs) 28.62 21.13 4.96 12.75 11.85 1.76" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 33) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "PSB Unic Registration (In Lakhs) 28.62 21.13 4.96" (Punjab & Sind Bank Investor Presentation, March 2023, PDF page 33) https://punjabandsind.bank.in/system/uploads/document/2150_2023050216143531589.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "Mar’24 32.94 44.50 7.17" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 28) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Mobile app users, FY2024-25 (31 Mar 2025): "Mar’25 51.60 73.12 9.35" (Punjab & Sind Bank Investor Presentation, March 2025, PDF page 28) https://punjabandsind.bank.in/system/uploads/document/7803_2025042922443420319.pdf - Mobile app users, 30 Sep 2026: "September 20.13 28.67 12.01" (Punjab & Sind Bank Investor Presentation, September 2026, PDF page 35) https://punjabandsind.bank.in/system/uploads/document/7932_2026101720511387675.pdf CreditBrief is independent and not linked to any lender. Not investment advice.