Punjab National Bank

Web: pnbindia.in NSE: PNB BSE: 532461 SECTOR: Financial Services - Banks

110 1(-1%)

Volume

2c as on 22, Jul

Open

108

High

108

Low

107

111

VWAP

111

52 Week High

135

52 Week Low

Viand Research Rating

Quality Score

55/100

Growth Score

37/100

Valuation Score

85/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,26,422

No. of Shares

1149

P/E

7.76

P/B

1.1

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

9.62

ROCE

Profit Growth

Listing Date

24-Apr-02

Promoter Holding

70.08%

FII Holding

5.93%

DII Holding

16.06%

Price Chart

Price Performance

1 Week5%

1 Month1%

3 Months3%

6 Months12%

1 Year1%

YTD11%

Moving Average

5 Day SMA109

10 Day SMA107

20 Day SMA106

30 Day SMA107

50 Day SMA106

61 Day SMA107

80 Day SMA107

200 Day SMA115

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	115	113	114	115
Resistance 2	114	112	114	114
Resistance 1	113	112	113	113
Pivot Point	112	112	112	112
Support 1	111	112	111	111
Support 2	110	112	111	110
Support 3	109	112	110	109

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 70.08%	(0.01) 70.08%	(0.01) 70.08%	(0.01) 70.08%	(0.01) 70.08%	(0.01) 70.08%	(0.01) 70.08%	(-3.11) 70.08%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%	(0.01) 73.15%
FIIs	(-0.51) 5.93%	(0.51) 6.39%	(0.31) 5.93%	(0.21) 5.67%	(-0.21) 5.52%	(0.01) 5.71%	(-2.71) 5.70%	(2.91) 8.42%	(0.71) 5.51%	(1.71) 4.82%	(0.51) 3.10%	(0.81) 2.65%	(0.11) 1.82%	(0.01) 1.71%	(0.51) 1.71%	(0.21) 1.22%	(-0.41) 0.99%	(0.21) 1.36%	(-1.01) 1.19%	(0.01) 2.21%
DIIs	(0.01) 16.06%	(0.01) 16.05%	(0.61) 16.09%	(0.51) 15.54%	(0.41) 15.06%	(0.41) 14.67%	(2.71) 14.31%	(0.91) 11.61%	(-1.61) 10.76%	(-1.41) 12.37%	(-0.11) 13.74%	(0.41) 13.80%	(-0.11) 13.44%	(0.51) 13.53%	(0.71) 12.98%	(0.81) 12.29%	(-0.21) 11.45%	(0.01) 11.60%	(0.41) 11.61%	(0.01) 11.21%
Public	7.91%	7.48%	7.91%	8.70%	9.34%	9.54%	9.91%	9.89%	10.57%	9.67%	10.00%	10.41%	11.57%	11.61%	12.16%	13.33%	14.41%	13.89%	14.05%	13.44%
No. of Shareholders	2,231,532	2,222,889	2,309,003	2,455,484	2,574,693	2,653,665	2,640,520	2,579,491	2,529,283	2,353,625	2,163,625	2,083,546	2,030,100	2,067,202	2,029,646	2,010,938	2,040,141	1,950,659	1,877,247	1,690,484

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	33589	32798	32889	32513	32572	32523	31895	30447	29145	28682	27852	26858	25673	24305	22808	20588	19144	19090	19579	18335	19237
Sales Growth % (YoY)	3.1%	0.8%	3.1%	6.8%	11.8%	13.4%	14.5%	13.4%	13.5%	18%	22.1%	30.4%	34.1%	27.3%	16.5%	12.3%	-0.5%	0.1%	-5.1%	-	-
Sales Growth % (QoQ)	2.4%	-0.3%	1.2%	-0.2%	0.2%	2%	4.8%	4.5%	1.6%	3%	3.7%	4.6%	5.6%	6.6%	10.8%	7.5%	0.3%	-2.5%	6.8%	-4.7%	-
Expenses	8262	7518	9298	8299	9197	9142	7494	8592	8473	9831	9449	10259	10990	10813	11578	10493	9523	9384	8839	8922	9776
Operating Profit	2743	3061	1426	2356	1547	1742	3663	2065	2136	646	959	-221	-1381	-1197	-2282	-2077	-1822	-1791	-957	-2373	-2382
OPM %	8	9	4	7	5	5	11	7	7	2	3	-1	-5	-5	-10	-10	-10	-9	-5	-13	-12
Other Income	4365	4080	5013	4171	5427	4776	3392	4664	3615	4294	2676	2999	3360	3827	3325	2704	2384	2261	2696	3262	3879
Interest	22583	22219	22164	21858	21828	21640	20738	19790	18536	18206	17444	16820	16064	14690	13513	12172	11443	11497	11697	11786	11843
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	7108	7141	6440	6527	6973	6518	7055	6729	5751	4940	3634	2778	1979	2630	1043	626	562	470	1739	889	1497
Tax %	25	27	19	26	74	29	34	34	35	37	38	36	39	34	37	42	46	48	34	-35	28
Net Profit	5835	5602	5577	5121	2167	5011	4811	4739	3991	3363	2441	1990	1363	1876	715	496	271	348	1249	1127	1184
Net Profit Growth % (QoQ)	4.2%	0.4%	8.9%	136.3%	-56.8%	4.2%	1.5%	18.7%	18.7%	37.8%	22.7%	46%	-27.3%	162.4%	44.2%	83%	-22.1%	-72.1%	10.8%	-4.8%	-
Net Profit Growth % (YoY)	169.3%	11.8%	15.9%	8.1%	-45.7%	49%	97.1%	138.1%	192.8%	79.3%	241.4%	301.2%	403%	439.1%	-42.8%	-56%	-77.1%	-	-	-	-
TTM Net Profit	22135	18467	17876	17110	16728	18552	16904	14534	11785	9157	7670	5944	4450	3358	1830	2364	2995	3908	3560	2311	0
EPS in Rs	5.06	4.87	4.83	4.46	1.84	4.34	4.18	4.1	3.61	3.04	2.21	1.81	1.22	1.69	0.64	0.45	0.26	0.31	1.14	1	1.06

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	130772	124010	109065	86845	76242	81935	54918	52147	48725	48058	50804	48710	44958	43071
Sales Growth %	5.4%	13.7%	25.6%	13.9%	-7%	49.2%	5.3%	7%	1.4%	-5.4%	4.3%	8.3%	4.4%	14.9%
Expenses	33031	32743	39623	41502	36026	38601	25867	39645	43345	22533	27453	18760	16112	12456
Operating Profit	9672	10563	908	-6473	-6607	-7470	-7946	-22153	-28151	-7197	-10980	-1394	626	2812
OPM %	7	9	1	-7	-9	-9	-14	-42	-58	-15	-22	-3	1	7
Other Income	20062	17560	14158	12529	12329	12777	9388	7367	8883	9168	6100	6175	4710	4310
Interest	88069	80704	68534	51817	46823	50805	36997	34656	33530	32722	34331	31343	28220	27802
Depreciation	1281	958	906	905	896	982	614	584	581	430	413	384	367	336
Profit before tax	28453	27166	14160	5151	4826	4325	827	-15370	-19849	1540	-5293	4397	4969	6786
Tax %	35	32	35	35	19	38	56	-35	-37	41	-31	24	29	27
Net Profit	18467	18553	9157	3359	3908	2695	485	-9550	-12111	1239	-3510	3525	3674	5020
Net Profit Growth %	-0.5%	102.6%	172.6%	-14%	45%	455.7%	105.1%	21.1%	-1077.5%	135.3%	-199.6%	-4.1%	-26.8%	-
EPS in Rs	16	16.08	8.27	3.04	3.51	2.45	0.65	-20.79	-43.88	5.58	-18.79	18.33	19.98	28.03
Dividend Payout %	19	18	18	21	18	0	0	0	0	0	-2	18	10	19

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	25635	22075	-27939	22592	20032	30950	-12793	-33532	-1742	21938	14167	4814	16906	-692
Cash from Investing Activity	-609	-1578	-1506	-732	-1204	-787	-338	-629	392	159	-1352	-872	-302	-600
Cash from Financing Activity	-11664	-1138	3518	1275	2032	5415	13591	13969	7460	-9767	5975	7451	2129	-694
Net Cash Flow	13362	19359	-25928	23135	20859	35579	460	-20192	6109	12330	18790	11393	18733	-1987

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	2299	2299	2299	2299	2202	2202	2202	2096	1348	921	552	426	393	371	362	353
Reserves	147674	139948	130839	124363	108185	100678	95380	90439	62529	45164	40965	42990	41412	41669	37731	34116
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	51005	40395	41579	33079	36438	30273	28113	21176	14814	15333	22242	16909	18932	19522	16490	16089
Total Liabilities	2033331	1920935	1857544	1722652	1598636	1493649	1339301	1279725	851457	790120	777528	733311	712793	636011	574820	496648
Fixed Assets	15625	15624	13083	12369	12348	12084	10696	11049	7262	6246	6371	6298	5308	3656	3490	3422
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	523515	531967	524840	495604	446421	416914	388586	404369	253782	210578	204419	191527	165126	156762	149225	134734
Other Assets	1494191	1373344	1319620	1214679	1139867	1064651	940019	864307	590413	573295	566738	535486	542358	475594	422105	358491
Total Assets	2033331	1920935	1857544	1722652	1598636	1493649	1339301	1279725	851457	790120	777528	733311	712793	636011	574820	496648

OI Chart

Price

Delivery

#	Date	98 15% 113	Value (Cr)	Q/T 357	Del 44	Del 194
1	22-Jul	111	233	235	55	128
2	21-Jul	112	323	320	42	136
3	20-Jul	112	1317	431	27	352
4	17-Jul	106	149	305	41	62
5	16-Jul	105	123	216	49	61
6	15-Jul	106	126	299	28	35
7	14-Jul	105	99	298	40	40
8	13-Jul	106	127	268	42	53
9	10-Jul	105	286	403	41	119
10	9-Jul	103	136	223	38	51
11	8-Jul	101	296	406	49	146
12	7-Jul	104	183	388	61	112
13	6-Jul	104	128	264	44	57
14	3-Jul	105	291	376	31	90
15	2-Jul	107	142	276	38	54
16	1-Jul	108	220	398	53	116
17	30-Jun	107	119	265	43	52
18	29-Jun	107	145	229	46	67
19	25-Jun	108	193	359	52	101
20	24-Jun	108	118	283	39	46
21	23-Jun	107	171	272	50	86
22	22-Jun	110	148	249	58	86
23	19-Jun	109	150	359	49	74
24	18-Jun	110	191	233	47	89
25	17-Jun	109	239	379	48	115
26	16-Jun	108	128	271	41	53
27	15-Jun	108	206	386	51	105
28	12-Jun	107	317	471	37	118
29	11-Jun	106	286	498	47	134
30	10-Jun	107	299	464	52	156
31	9-Jun	110	416	418	49	204
32	8-Jun	106	141	241	35	50
33	5-Jun	107	262	280	30	80
34	4-Jun	106	136	222	36	48
35	3-Jun	106	163	295	34	55
36	2-Jun	104	180	302	45	81
37	1-Jun	104	201	273	49	99
38	29-May	106	341	350	61	207
39	27-May	107	124	251	39	49
40	26-May	106	279	368	51	142
41	25-May	106	245	336	47	114
42	22-May	103	140	298	39	55
43	21-May	102	221	370	50	111
44	20-May	102	207	376	41	85
45	19-May	101	158	276	34	53
46	18-May	99	619	442	56	348
47	15-May	102	228	322	47	106
48	14-May	105	168	287	28	47

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	1,26,422c	471c	0.37
22-Jul	1,26,894c	1,942c	1.51
21-Jul	1,28,836c	6,999c	5.74
17-Jul	1,21,837c	988c	0.82
16-Jul	1,20,848c	1,264c	1.04
15-Jul	1,22,113c	1,149c	0.95
14-Jul	1,20,963c	1,356c	1.11
13-Jul	1,22,319c	2,689c	2.25
10-Jul	1,19,630c	448c	0.38
09-Jul	1,19,182c	3,000c	2.58
08-Jul	1,16,182c	3,689c	3.08
07-Jul	1,19,871c	58c	0.05
06-Jul	1,19,814c	3,333c	2.71
02-Jul	1,23,147c	299c	0.24
01-Jul	1,23,446c	759c	0.62
30-Jun	1,22,687c	908c	0.73
29-Jun	1,23,595c	425c	0.34
26-Jun	1,24,020c	678c	0.54
25-Jun	1,24,698c	1,000c	0.81
24-Jun	1,23,699c	172c	0.14
23-Jun	1,23,526c	2,551c	2.02
22-Jun	1,26,078c	1,103c	0.88
19-Jun	1,24,974c	195c	0.16
17-Jun	1,25,170c	1,046c	0.84
16-Jun	1,24,124c	58c	0.05
15-Jun	1,24,066c	977c	0.79
12-Jun	1,23,089c	1,494c	1.23
11-Jun	1,21,595c	2,977c	2.39
10-Jun	1,24,572c	0	0

Stock Checklist

Price is below from 52 week high low average: 37%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 762 fund scheme(s) across 51 fund house(s) as of Jul26 · Total value ₹184,622 Cr · 163 increasing / 62 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
SBI Mutual Fund	48	68.54%	+2.51%	39732
Kotak Mahindra Mutual Fund	42	388.08%	+7.84%	23012.9
Aditya Birla Sun Life Mutual Fund	28	4487.24%	-	21449
HDFC Mutual Fund	42	251.99%	+3.03%	17573.6
ICICI Prudential Mutual Fund	44	73.69%	+3.40%	15408.7
Nippon India Mutual Fund	34	9.30%	-	13549.1
HSBC Mutual Fund	33	16.41%	+0.02%	6736.3
ICICI Prudential Asset Management Company Limited	15	1.51%	+7.05%	6562.1
Axis Mutual Fund	39	270.26%	-	5894.4
Baroda BNP Paribas Mutual Fund	25	6.11%	-	4217.3
Invesco Mutual Fund	17	4.10%	-0.31%	3918.3
Bandhan Mutual Fund	38	193.75%	+1.14%	3828.6
Tata Mutual Fund	18	533.27%	+0.14%	3604.9
DSP Mutual Fund	26	128.24%	-	2864.9
LIC Mutual Fund	14	313.62%	+1.04%	2791.2
PPFAS Mutual Fund	8	3.52%	+3.31%	2207.6
Edelweiss Mutual Fund	26	425.48%	+0.02%	2178.5
Sundaram Mutual Fund	14	452.54%	+0.45%	1285.2
Union Mutual Fund	10	7.70%	-	1257.1
UTI Mutual Fund	16	6.74%	-	982.4
Bajaj Finserv Mutual Fund	14	1461.00%	+0.97%	905.8
Mirae Asset Mutual Fund	30	1.88%	+0.02%	846.2
Franklin Templeton Mutual Fund	12	4.61%	+3.92%	499.9
Canara Robeco Mutual Fund	11	6.85%	-	459.9
Bank of India Mutual Fund	14	4.69%	-	459.6
Motilal Oswal Mutual Fund	16	3.28%	-	316.5
Jio BlackRock Mutual Fund	5	173.19%	-	284
WhiteOak Capital Mutual Fund	10	3.06%	+2.99%	244.8
JM Financial Mutual Fund	12	51.58%	+2.18%	231.1
PGIM India Mutual Fund	8	8.75%	-	221.3
Mahindra Manulife Mutual Fund	16	3.17%	+4.23%	215.5
The Wealth Company Mutual Fund	5	166.69%	-	150
PGIM India Asset Management Private Limite	2	11.82%	+11.82%	149.5
Quantum Mutual Fund	4	69.14%	+3.98%	119.6
Shriram Mutual Fund	4	8.94%	-	97.1
Navi Mutual Fund	6	2.16%	-	77.8
ITI Mutual Fund	10	8.21%	+8.13%	64.3
Trust Mutual Fund	4	10.34%	+20.67%	57.4
360 ONE Mutual Fund	3	1.57%	+0.26%	49.6
Groww Mutual Fund	10	153.14%	-	42.9
Sundaram Asset Management Company Ltd	1	14.56%	+14.56%	40.2
Abakkus Mutual Fund	2	9.45%	-	39.8
JM Financial Asset Management Limited	5	2.86%	+14.28%	7.6
Old Bridge Mutual Fund	2	1.68%	+0.48%	6.3
NJ Mutual Fund	4	0.56%	-0.20%	4.4
Zerodha Mutual Fund	3	0.12%	-	2.4
Angel One Mutual Fund	2	0.19%	-	0.2
Capitalmind Mutual Fund	4	0.55%	-	-0.3
quant Mutual Fund	2	0.22%	-	-1.6
Unifi Mutual Fund	2	0.50%	-	-11.8
Helios Mutual Fund	2	2.04%	+1.32%	-12.3

Punjab National Bank

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Price Performance

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