Punjab & Sind Bank

NSE: PSB BSE: 533295

₹18.21

-2.14 (10.52%)

Sat, 31 Oct 2026, 08:15 pm

MTF 5xInvest in Punjab & Sind Bank with 5x Leverage Buy with MTF

Market Cap (in Cr)12949.44

PE Ratio8.60

Dividend2.14

Finance

Major Banks

24.5K

Punjab & Sind Bank Balance Sheet

Income Statement Balance Sheet Cashflow

Particulars	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-308.60M	-315.90M	-374.60M	-751.90M	-1.31B	-944.43M	-2.98B	-2.74B	-2.36B	-2.13B	-658.96M	-517.67M	-421.76M	-208.22M	-201.36M	-118.85M	-24.95M	-1.49B	-2.92B	-2.56B
Pretax equity in earnings	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity in earnings	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total assets	185.77B	217.05B	303.98B	407.79B	561.00B	685.50B	729.05B	804.78B	946.24B	978.48B	1.03T	966.43B	1.14T	1.09T	1.01T	1.11T	1.21T	1.37T	1.48T	1.62T
Total current assets	23.42B	26.48B	29.40B	28.40B	47.55B	54.85B	50.14B	48.01B	72.27B	51.52B	56.01B	79.25B	114.66B	100.34B	133.51B	97.97B	73.70B	75.14B	88.84B	101.05B
Cash and short term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total receivables, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	6.50M	6.50M	6.50M	6.50M	6.50M	6.54M	6.54M	6.54M	6.54M	0	0	0	6.54M	0	0	0	0	0	0	0
Other investments	—	—	—	—	—	—	0	—	—	0	—	—	—	0	0	0	0	0	0	0
Net property/plant/equipment	344.30M	352.60M	399.40M	508.90M	526.70M	8.16B	8.08B	8.44B	10.03B	9.95B	11.33B	10.95B	10.83B	12.30B	12.41B	15.85B	15.77B	15.19B	17.56B	17.79B
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	—	—	—	—	—	—	—	—	1.15B	949.10M	—	2.23B	6.57B	11.96B	18.42B	24.02B	22.59B	19.27B	17.08B	13.91B
Net intangible assets	—	—	—	—	—	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—
Goodwill, net	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other intangibles, net	—	—	—	—	—	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—
Other long term assets, total	3.10B	6.07B	6.01B	6.44B	7.66B	9.70B	8.70B	8.63B	7.51B	9.89B	42.90B	11.22B	10.06B	12.56B	11.97B	38.19B	40.44B	39.19B	30.61B	44.20B
Short term debt	800.00K	2.05B	29.40B	24.99B	21.56B	76.96B	65.35B	66.43B	7.87B	2.31B	2.46B	14.31B	10.73B	0	0	0	10.83B	71.27B	74.35B	74.81B
Current portion of LT debt and capital leases	800.00K	2.05B	29.40B	24.99B	21.56B	13.11B	15.62B	7.94B	—	—	—	—	—	0	0	0	10.83B	69.61B	73.37B	73.19B
Short term debt excl. current portion of LT debt	0	0	0	0	0	63.86B	49.73B	58.49B	7.87B	2.31B	2.46B	14.31B	10.73B	0	0	0	0	1.67B	980.05M	1.62B
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	3.15B	3.85B	4.17B	11.07B	15.45B	15.75B	18.21B	17.46B	84.78B	81.06B	70.03B	34.01B	48.54B	46.77B	44.99B	32.51B	15.53B	24.20B	32.02B	80.33B
Long term debt excl. lease liabilities	3.15B	3.85B	4.17B	11.07B	15.45B	15.75B	18.21B	17.46B	84.78B	81.06B	70.03B	34.01B	48.54B	46.77B	44.99B	32.51B	15.53B	24.20B	32.02B	80.33B
Total equity	7.67B	11.57B	15.46B	16.17B	21.07B	38.03B	42.49B	46.04B	50.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Shareholders' equity	7.67B	11.57B	15.46B	16.17B	21.07B	38.03B	42.49B	46.04B	50.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Common equity, total	7.67B	11.57B	15.46B	14.17B	19.07B	36.03B	40.49B	44.04B	48.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Other common equity	236.90M	4.14B	8.03B	12.34B	8.67B	17.86B	18.87B	19.82B	21.97B	21.99B	24.39B	25.67B	26.93B	28.76B	29.57B	30.53B	34.75B	38.42B	42.29B	3.33B
Total debt	3.15B	5.90B	33.57B	36.06B	37.01B	92.72B	83.56B	83.89B	92.65B	83.37B	72.49B	48.32B	59.27B	46.77B	44.99B	32.51B	26.36B	95.48B	106.37B	155.14B
Net debt	—	—	—	7.66B	-9.54B	44.58B	44.90B	49.18B	42.24B	42.67B	31.47B	-25.55B	-40.70B	-32.40B	-80.57B	-48.07B	-36.53B	32.51B	32.54B	66.94B
Change in accounts receivable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in taxes payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in other assets/liabilities	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Sale of fixed assets & businesses	0	47.20M	1.40M	700.00K	800.00K	1.09M	206.00K	1.24M	1.50M	402.00K	397.00K	0	0	97.99M	9.64M	0	-1.58M	21.54M	4.40M	0
Purchase/sale of investments, net	1.20B	2.06B	-17.82B	-41.52B	-53.70B	-7.86B	-14.92B	-24.60B	-57.57B	15.55B	-36.71B	-3.23B	-51.52B	65.51B	14.03B	-75.72B	-102.55B	-27.14B	-51.58B	26.94B
Sale/maturity of investments	1.20B	2.06B	0	0	0	0	0	0	0	15.55B	—	—	—	65.51B	14.03B	0	0	0	0	26.94B
Purchase of investments	0	0	-17.82B	-41.52B	-53.70B	-7.86B	-14.92B	-24.60B	-57.57B	0	-36.71B	-3.23B	-51.52B	0	0	-75.72B	-102.55B	-27.14B	-51.58B	0
Other investing cash flow items, total	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance/retirement of debt, net	-31.30M	2.75B	27.67B	-1.10B	945.70M	-8.15B	4.96B	-8.42B	-2.35B	-400.00M	0	1.19B	7.25B	-9.69B	4.99B	-5.70B	-2.00B	-10.00B	0	30.00B
Issuance/retirement of long term debt	0	700.00M	-50.00M	3.55B	3.75B	0	2.55B	0	-2.35B	-400.00M	0	3.50B	10.00B	-1.00B	1.62B	-2.00B	-3.00B	-10.00B	0	0
Issuance/retirement of short term debt	-31.30M	2.05B	27.72B	-4.65B	-2.80B	-8.15B	2.41B	-8.42B	—	—	0	-2.31B	-2.75B	-8.69B	3.37B	-3.69B	1.00B	0	0	0
Issuance/retirement of other debt	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	30.00B
Total cash dividends paid	0	0	0	-27.40M	-100.00M	-581.11M	-658.42M	-850.77M	-785.62M	-294.41M	-795.18M	0	0	0	0	0	0	-2.10B	-3.25B	-1.36B
Other financing cash flow items, total	5.00B	0	0	-4.60M	-17.00M	-96.52M	-104.57M	-140.52M	0	0	0	0	0	0	0	0	0	0	0	0

Particulars	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-308.60M	-315.90M	-374.60M	-751.90M	-1.31B	-944.43M	-2.98B	-2.74B	-2.36B	-2.13B	-658.96M	-517.67M	-421.76M	-208.22M	-201.36M	-118.85M	-24.95M	-1.49B	-2.92B	-2.56B
Pretax equity in earnings	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity in earnings	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total assets	185.77B	217.05B	303.98B	407.79B	561.00B	685.50B	729.05B	804.78B	946.24B	978.48B	1.03T	966.43B	1.14T	1.09T	1.01T	1.11T	1.21T	1.37T	1.48T	1.62T
Total current assets	23.42B	26.48B	29.40B	28.40B	47.55B	54.85B	50.14B	48.01B	72.27B	51.52B	56.01B	79.25B	114.66B	100.34B	133.51B	97.97B	73.70B	75.14B	88.84B	101.05B
Cash and short term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total receivables, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	6.50M	6.50M	6.50M	6.50M	6.50M	6.54M	6.54M	6.54M	6.54M	0	0	0	6.54M	0	0	0	0	0	0	0
Other investments	—	—	—	—	—	—	0	—	—	0	—	—	—	0	0	0	0	0	0	0
Net property/plant/equipment	344.30M	352.60M	399.40M	508.90M	526.70M	8.16B	8.08B	8.44B	10.03B	9.95B	11.33B	10.95B	10.83B	12.30B	12.41B	15.85B	15.77B	15.19B	17.56B	17.79B
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	—	—	—	—	—	—	—	—	1.15B	949.10M	—	2.23B	6.57B	11.96B	18.42B	24.02B	22.59B	19.27B	17.08B	13.91B
Net intangible assets	—	—	—	—	—	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—
Goodwill, net	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other intangibles, net	—	—	—	—	—	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—
Other long term assets, total	3.10B	6.07B	6.01B	6.44B	7.66B	9.70B	8.70B	8.63B	7.51B	9.89B	42.90B	11.22B	10.06B	12.56B	11.97B	38.19B	40.44B	39.19B	30.61B	44.20B
Short term debt	800.00K	2.05B	29.40B	24.99B	21.56B	76.96B	65.35B	66.43B	7.87B	2.31B	2.46B	14.31B	10.73B	0	0	0	10.83B	71.27B	74.35B	74.81B
Current portion of LT debt and capital leases	800.00K	2.05B	29.40B	24.99B	21.56B	13.11B	15.62B	7.94B	—	—	—	—	—	0	0	0	10.83B	69.61B	73.37B	73.19B
Short term debt excl. current portion of LT debt	0	0	0	0	0	63.86B	49.73B	58.49B	7.87B	2.31B	2.46B	14.31B	10.73B	0	0	0	0	1.67B	980.05M	1.62B
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	3.15B	3.85B	4.17B	11.07B	15.45B	15.75B	18.21B	17.46B	84.78B	81.06B	70.03B	34.01B	48.54B	46.77B	44.99B	32.51B	15.53B	24.20B	32.02B	80.33B
Long term debt excl. lease liabilities	3.15B	3.85B	4.17B	11.07B	15.45B	15.75B	18.21B	17.46B	84.78B	81.06B	70.03B	34.01B	48.54B	46.77B	44.99B	32.51B	15.53B	24.20B	32.02B	80.33B
Total equity	7.67B	11.57B	15.46B	16.17B	21.07B	38.03B	42.49B	46.04B	50.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Shareholders' equity	7.67B	11.57B	15.46B	16.17B	21.07B	38.03B	42.49B	46.04B	50.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Common equity, total	7.67B	11.57B	15.46B	14.17B	19.07B	36.03B	40.49B	44.04B	48.11B	55.96B	59.70B	61.42B	61.83B	57.01B	55.96B	83.63B	140.11B	151.09B	155.33B	133.55B
Other common equity	236.90M	4.14B	8.03B	12.34B	8.67B	17.86B	18.87B	19.82B	21.97B	21.99B	24.39B	25.67B	26.93B	28.76B	29.57B	30.53B	34.75B	38.42B	42.29B	3.33B
Total debt	3.15B	5.90B	33.57B	36.06B	37.01B	92.72B	83.56B	83.89B	92.65B	83.37B	72.49B	48.32B	59.27B	46.77B	44.99B	32.51B	26.36B	95.48B	106.37B	155.14B
Net debt	—	—	—	7.66B	-9.54B	44.58B	44.90B	49.18B	42.24B	42.67B	31.47B	-25.55B	-40.70B	-32.40B	-80.57B	-48.07B	-36.53B	32.51B	32.54B	66.94B
Change in accounts receivable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in taxes payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in other assets/liabilities	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Sale of fixed assets & businesses	0	47.20M	1.40M	700.00K	800.00K	1.09M	206.00K	1.24M	1.50M	402.00K	397.00K	0	0	97.99M	9.64M	0	-1.58M	21.54M	4.40M	0
Purchase/sale of investments, net	1.20B	2.06B	-17.82B	-41.52B	-53.70B	-7.86B	-14.92B	-24.60B	-57.57B	15.55B	-36.71B	-3.23B	-51.52B	65.51B	14.03B	-75.72B	-102.55B	-27.14B	-51.58B	26.94B
Sale/maturity of investments	1.20B	2.06B	0	0	0	0	0	0	0	15.55B	—	—	—	65.51B	14.03B	0	0	0	0	26.94B
Purchase of investments	0	0	-17.82B	-41.52B	-53.70B	-7.86B	-14.92B	-24.60B	-57.57B	0	-36.71B	-3.23B	-51.52B	0	0	-75.72B	-102.55B	-27.14B	-51.58B	0
Other investing cash flow items, total	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance/retirement of debt, net	-31.30M	2.75B	27.67B	-1.10B	945.70M	-8.15B	4.96B	-8.42B	-2.35B	-400.00M	0	1.19B	7.25B	-9.69B	4.99B	-5.70B	-2.00B	-10.00B	0	30.00B
Issuance/retirement of long term debt	0	700.00M	-50.00M	3.55B	3.75B	0	2.55B	0	-2.35B	-400.00M	0	3.50B	10.00B	-1.00B	1.62B	-2.00B	-3.00B	-10.00B	0	0
Issuance/retirement of short term debt	-31.30M	2.05B	27.72B	-4.65B	-2.80B	-8.15B	2.41B	-8.42B	—	—	0	-2.31B	-2.75B	-8.69B	3.37B	-3.69B	1.00B	0	0	0
Issuance/retirement of other debt	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	30.00B
Total cash dividends paid	0	0	0	-27.40M	-100.00M	-581.11M	-658.42M	-850.77M	-785.62M	-294.41M	-795.18M	0	0	0	0	0	0	-2.10B	-3.25B	-1.36B
Other financing cash flow items, total	5.00B	0	0	-4.60M	-17.00M	-96.52M	-104.57M	-140.52M	0	0	0	0	0	0	0	0	0	0	0	0