Punjab National Bank Q2 FY27: Total income Rs 38,185 cr, PAT Rs 5,532 cr
Punjab National Bank’s standalone Q2 FY27 total income was Rs 38,185.00 cr and net profit Rs 5,532.00 cr, up from Rs 36,214.00 cr and Rs 4,904.00 cr in Q2 FY26.
Key takeaways
- Total income in Q2 FY27 was Rs 38,185.00 cr vs Rs 36,214.00 cr in Q2 FY26.
- Net profit in Q2 FY27 was Rs 5,532.00 cr vs Rs 4,904.00 cr a year earlier.
- Net interest income rose to Rs 11,601.00 cr from Rs 10,469.00 cr in Q2 FY26.
- Operating profit was Rs 7,532.00 cr in Q2 FY27 vs Rs 7,227.00 cr in Q2 FY26.
- Total expenses increased to Rs 30,653.00 cr from Rs 28,987.00 cr in Q2 FY26.
Q2 FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 38,185.00 cr | Rs 36,214.00 cr | +5.4% |
| PAT | Rs 5,532.00 cr | Rs 4,904.00 cr | +12.8% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 14.49% of revenue, up 94 bps from 13.54%.
- Finance costs accounted for Rs 1,581.00 cr of the Rs 1,666.00 cr rise in total expenses (94%).
- Finance costs took 60.2% of revenue, against 59.1% a year earlier.
• Total income (Q2 FY27 vs Q2 FY26, standalone): Rs 38,185.00 cr vs Rs 36,214.00 cr
• Interest income: Rs 34,585.00 cr vs Rs 31,872.00 cr
• Other income: Rs 3,601.00 cr vs Rs 4,342.00 cr
• Total expenses: Rs 30,653.00 cr vs Rs 28,987.00 cr
• Total interest paid: Rs 22,984.00 cr vs Rs 21,403.00 cr
• Operating expenses: Rs 7,670.00 cr vs Rs 7,584.00 cr
• Net interest income: Rs 11,601.00 cr vs Rs 10,469.00 cr
• Operating profit: Rs 7,532.00 cr vs Rs 7,227.00 cr
• Profit before tax: Rs 7,435.00 cr vs Rs 6,584.00 cr
• Net profit (PAT): Rs 5,532.00 cr vs Rs 4,904.00 cr
According to the Income and Expenses sections of the statement of financial results in the investor presentation (financial performance tables for Q2 FY27), Punjab National Bank’s standalone total income for the quarter ended 30th September, 2026 (Q2 FY27) was Rs 38,185.00 cr, compared with Rs 36,214.00 cr in the corresponding quarter a year earlier (Q2 FY26). Within this, interest income rose to Rs 34,585.00 cr from Rs 31,872.00 cr, while other income declined to Rs 3,601.00 cr from Rs 4,342.00 cr.
On the cost side, total expenses for Q2 FY27 were Rs 30,653.00 cr, up from Rs 28,987.00 cr in Q2 FY26. Total interest paid increased to Rs 22,984.00 cr from Rs 21,403.00 cr, and operating expenses (establishment plus other operating expenses) were Rs 7,670.00 cr versus Rs 7,584.00 cr a year earlier.
From the Profit & Provisions table in the same statement of financial results, net interest income for Q2 FY27 stood at Rs 11,601.00 cr, compared with Rs 10,469.00 cr in Q2 FY26. Operating income (net interest income plus other income) was Rs 15,202.00 cr versus Rs 14,811.00 cr. After operating expenses of Rs 7,670.00 cr (Rs 7,584.00 cr in Q2 FY26), operating profit came in at Rs 7,532.00 cr, slightly higher than Rs 7,227.00 cr in the year-ago quarter.
Provisions other than tax were Rs 97.00 cr in Q2 FY27, compared with Rs 643.00 cr in Q2 FY26. This resulted in profit before tax of Rs 7,435.00 cr, up from Rs 6,584.00 cr. After a provision for income tax of Rs 1,902.00 cr (Rs 1,680.00 cr in Q2 FY26), net profit (PAT) for Q2 FY27 was Rs 5,532.00 cr, compared with Rs 4,904.00 cr in the corresponding quarter of the previous year, as reported in the statement of financial results.
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