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Punjab & Sind Bank: Business Overview, Financials & Competitive Analysis

Punjab & Sind Bank scores 5/10 on the AskCyborg Cyborg Score (Mixed). A digitally-expanding, NPA-improving public sector bank facing ROE headwinds but positioned for growth through retail lending and new international operations. Asset quality improved significantly with gross NPA declining to 2.92% from 4.21% and net NPA to 0.83% from 1.46%. However, the company has low interest coverage ratio and.

What is Punjab & Sind Bank's industry? Punjab & Sind Bank (punjabandsind.bank.in) operates in Banking - Public Sector. AskCyborg classifies Punjab & Sind Bank under Banking - Public Sector in its company registry.

Punjab & Sind Bank is engaged in deposits, loans & advances, remittances & collections, and provides comprehensive banking and financial services in India. Founded in 1908 and headquartered in New Delhi, the bank is a...

5/ 10Mixed

Cyborg Score thesis

A digitally-expanding, NPA-improving public sector bank facing ROE headwinds but positioned for growth through retail lending and...

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Industry Banking - Public Sector
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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Analyst-debate audio for Punjab & Sind Bank

AskCyborg analysts argue the bull and bear cases for Punjab & Sind Bank across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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What's in This Report
Punjab & Sind Bank OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Punjab & Sind Bank Overview

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Punjab & Sind Bank is engaged in deposits, loans & advances, remittances & collections, and provides comprehensive banking and financial services in India. Founded in 1908 and headquartered in New Delhi, the bank is a major public sector lender.

Strategic Profile

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The bank is a leading public sector bank and major player in northern India. It operates across diverse segments: Corporate Banking (38%), Retail Banking (32%), and Treasury (29%). Recently, RBI permitted the bank to establish an IFSC Banking Unit in GIFT City, Gujarat as of January 27, 2026.

Competitive Landscape

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Primary competitors include HDFC Bank, ICICI Bank, State Bank of India, Axis Bank, Kotak Mahindra Bank, Bank of Baroda, and Punjab National Bank. PSB competes as a mid-sized public sector player with strong northern India presence but faces profitability challenges versus private sector peers.

Industry Context

Punjab & Sind Bank operates in Banking - Public Sector.

Key facts

Founded: 1908 · Headquarters: New Delhi, India · Employees: N/A · Revenue: ₹3,373.28 Cr (Q2 FY26) · Market cap: ₹19,221 Cr (~$2.3B USD)

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Punjab & Sind Bank.

  • Gross advances increased by 15.25% to Rs 110,488 crore as of December 31, 2025.
  • Q2 FY26 standalone net profit jumped 22.92% to Rs 294.52 crore on an 8.89% increase in total income.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026RBI Permission to Setup IFSC Banking Unit at GIFT City
  • January 2026Q3 FY26 net profit of Rs 336 crore with 2.60% GNPA
  • +1 moreTrack every material event for Punjab & Sind Bank as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Private Sector BankingLarger private banks with superior profitability metrics→Public Sector BankingLarger, systemically important public sector competitor→Regional Public BankingSimilar-positioned public sector peer→

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Industry context

Punjab & Sind Bank operates in Banking - Public Sector. See how the rest of the sector scores on the Cyborg framework.

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How AskCyborg research is made

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AI analyst debate, not single-author opinion

Every report is generated by a panel of AI analysts arguing across 11 dimensions, so counter-arguments sit alongside the case. The debate is a reasoning process; it does not independently verify facts.

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The Cyborg Score and recent developments reflect public sources as of the date shown and can miss or lag recent events. Check primary sources before relying on them.

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Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The Cyborg Score is an AI-generated opinion under that framework, not a credit rating or an investment recommendation.

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Sources: public filings, regulatory data, and news flow, analysed by AI models. Read the methodology →

AI-generated research summary based on public sources; it may contain errors or omissions. Not investment advice. Not reviewed or endorsed by the companies covered. Report an error: legal@askcyborg.com · Terms of Service

Frequently asked questions

What does Punjab & Sind Bank do?+
Punjab & Sind Bank is engaged in deposits, loans & advances, remittances & collections, and provides comprehensive banking and financial services in India. Founded in 1908 and headquartered in New Delhi, the bank is a...
What is Punjab & Sind Bank's Cyborg Score?+
Punjab & Sind Bank has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Punjab & Sind Bank's main competitors?+
Named competitors include Private Sector Banking, Public Sector Banking, Regional Public Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Punjab & Sind Bank research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Punjab & Sind Bank research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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