Punjab National Bank Limited Fundamentals

    Punjab National Bank gives different banking and monetary items and administrations in India. The organization works through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations sections. It offers individual financial items and administrations, including saving asset accounts, current records, fixed store, and capital addition record and gold adaptation plans; lodging, vehicle, training, individual, and home loan credits; and cards. The organization additionally gives different miniature, little, and medium ventures plans; banking items for government clients; farming financial administrations; corporate financial items and administrations comprising of credits against future rent rentals, working capital financing, and term advances; EXIM money and money the board administrations, just as gold card plans for exporters; and global financial items and administrations. Moreover, it offers protection administrations, like life, fire, engine vehicle, marine, robbery/thievery, constancy ensure, individual mishap, wellbeing, travel, house hold products, and so on; and safe, shared asset, dealer banking, and application upheld by impeded sum administrations. Further, the organization gives portable banking, SMS banking, missed call, e-proclamation, ATM, cash store machine, passbook refreshing machine, and electronic check store machine administrations, just as charge cards. As of March 31, 2021, it worked an organization of 10,769 branches in India; and 2 branches containing 1 in Hong Kong and 1 in Dubai, just as 2 agent workplaces in Bangladesh and Myanmar. The organization was established in 1895 and is settled in New Delhi, India.

    Business space of the organization 

    The bank is one of the head banking foundations in the country with a long custom of sound and reasonable banking.

    Products of the company


    • Personal (Deposit
    • Loans, Apply For OTS in NPA Accounts
    • Insurance
    • Government Business
    • Agriculture Banking
    • Financial Inclusion
    • Priority Sector)
    • Corporate (Corporate Loans
    • EXIM finance, Cash Management Services
    • Gold Card Scheme for Exporters
    • Doorstep Banking Services)
    • International (Schemes / Products / Services, NRI Services
    • Help Desk For Forex Services
    • World Travel Card, Foreign Office Details)
    • Capital Services (Depository Services, 
    • Mutual Funds, Merchant Banking, ASBA)


    • PNB ONE
    • PNB PIHU
    • OTP Based Aadhaar Seeding
    • Retail Internet Banking
    • Corporate Internet Banking
    • PNB Bharat BillPay
    • BHIM
    • BHIM PNB (UPI)
    • Green PIN - Debit Card
    • Missed Call Services
    • E-Statement
    • SMS Banking

    Subsidiaries of the company


    • PNB Gilts Ltd. 
    • PNB Investment Services Ltd. 
    • PNB Insurance Broking Pvt. Ltd.


    • Punjab National Bank (International) Ltd.
    • Druk PNB Bank Ltd


    FICCI Corporate Social Responsibility Award 2013-14
    PNB Conferred With Appreciation Certificate
    RBI Rajbhasha Award 2014-15
    Assocham Social Banking Exellence Award 2015
    Golden Peacock National Training Award 2016
    Rajbhasha Kirti Award 2017-18
    Aadhar Excellence Award
    NSDL Star Performer Awards 2018
    Best State Nodal Bank Award 2018-19
    Digital Payments Award 2018-19
    IBA Banking Technology Awards 2019
    Top Rankers Excellence Award
    EASE Reforms Excellency Award
    PNB Wins Governance Now BFSI Awards 2019
    BFSI Digital Innovation Awards 2019
    Rajbhasha Kirti Award 2019
    Bank Of The Year Award 2019
    PNB Wins SCOPE CCE Award 2019
    PNB Won IBA Banking Technology Awards 2020

    PNB Stock Price Analysis and Quick Research Report

    Let’s scrutinize however PNB is acting and if it's the proper time to buy the stock of  PNB with careful analysis.

    • For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 80,749.77 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 18.94 % in last 3 Years.
    • In terms of advances, the bank reported 42.90 % YOY,  rise . If you see 3 years advance growth, it stands at 15.84 %.
    • Currently the company has a CASA ratio of 44.54 %. It’s overall cost of liability stands at 4.37 %.  Also, the total deposits from these accounts stood at Rs 11,06,332.47 Cr.
    • The Bank has a Poor ROA track record. The ROA of PNB is at 0.19 %.
    • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 14.12 % and 5.73 % respectively as on the latest financial year.
    • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 39.29 % which means it has increased from the previous year.
    • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of PNB surged and is currently at Rs 12,811.85 Cr.
    • The company has a Good Capital Adequacy Ratio of 14.32 .
    • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 0.48 . The historical average PB was 0.69.


    PNB Mini Live Chart


    PNB Technical 

    NOTE: We might update this page with latest updates/information/news etc if it deems to be necessary.

    Thank You


    To Top