Punjab National Bank Share Price – NSE /  BSE

Banks, Mid Cap

Punjab National Bank announced that Marginal Cost of Funds Based Lending Rates (MCLR) with effect from 01 February 2026 remain unchanged as under:

Overnight - 7.95%
One month - 8.20%
Three month - 8.40%
Six month - 8.60%
One year - 8.75%
Three years - 9.05%

Further, existing Repo linked Lending Rate (RLLR) i.e. 8.10 % (including BSP of 0.10%) and Base Rate i.e. 9.50% remain unchanged.

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Net interest income fell by 4.5% to Rs 10,533 crore in the December?25 quarter from Rs 11,032 crore recorded in the December?24 quarter. Net interest margin (NIM) for Q3 FY26 was 2.52% as against 2.93% for Q3 FY25.

Operating expenses for the period under review added up to Rs 8,074 crore, up 3.2% YoY.

Accordingly, operating profit for Q3 FY26 was Rs 7481 crore, higher by 13% as compared with Rs 6621 crore posted in Q3 FY25.

The bank has made a provision of Rs 1,150 crore in Q3 FY26. It had written back provision amounting to Rs 285 crore in Q3 FY25.

Profit before tax in Q3 FY26 stood at Rs 6,331 crore, down by 8.3% from Rs 6,906 crore recorded in Q3 FY25.

The gross NPA ratio improved by 90 basis points YoY to 3.19% as on 31 December 2025 from 4.09% as on 31 December 2024.

The net NPA ratio improved by 9 basis points YoY to 0.32% as on 31 December 2025 from 0.41% as on 31 December 2024.

The provision coverage ratio improved by 22 basis points YoY 96.99% as on 31 December 2025.

The global business of the bank grew by 9.5% to Rs 28,91,528 crore as on 31 December 2025 from Rs 26,39,991 crore as on 31 December 2024.

Global deposits registered a growth of 8.5% YoY basis to Rs 16.60 lakh crore while global advances increased by 10.9% on YoY basis to Rs 12.31 lakh croreas on 31 December 2025.

CRAR improved to 16.77% as on 31 December 2025 from 15.41% as on 31 December 2024, reflecting an increase of 136 basis points.

Punjab National Bank is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, and others. As on 31 December 2025, the bank has 10,261 domestic branches and 2 international branches. Out of total branches, the bank has 63.3% branches in rural & semi-urban areas.

The scrip fell 1.99% to currently trade at Rs 125.50 on the BSE.

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Net profit of Punjab National Bank rose 15.72% to Rs 5555.89 crore in the quarter ended December 2025 as against Rs 4801.00 crore during the previous quarter ended December 2024. Total Operating Income rose 3.12% to Rs 32889.23 crore in the quarter ended December 2025 as against Rs 31894.80 crore during the previous quarter ended December 2024.

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Punjab National Bank is up for a fifth straight session today. The stock is quoting at Rs 131.9, up 2.5% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.37% on the day, quoting at 25759.55. The Sensex is at 83749.1, up 0.44%. Punjab National Bank has gained around 10.53% in last one month.

Meanwhile, Nifty Bank index of which Punjab National Bank is a constituent, has gained around 1.9% in last one month and is currently quoting at 59580.15, up 0.78% on the day. The volume in the stock stood at 242.5 lakh shares today, compared to the daily average of 150.93 lakh shares in last one month.

The benchmark January futures contract for the stock is quoting at Rs 132.07, up 2.32% on the day. Punjab National Bank is up 31.73% in last one year as compared to a 11.02% jump in NIFTY and a 23.71% jump in the Nifty Bank index.

The PE of the stock is 9.45 based on TTM earnings ending September 25.

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