Banks / Punjab & Sind Bank
Banks / Punjab & Sind Bank
Managing Director & CEO, Punjab & Sind Bank — in office since 3 June 2022. The Government of India has extended his tenure up to 28 February 2027 (or until further orders, whichever is earlier). Under his leadership the bank has posted record annual profitability, sharply reduced non-performing assets and maintained a comfortable capital adequacy position well above the regulatory minimum.
Like most public sector banks, Punjab & Sind Bank's top executive holds the standard title MD & CEO, appointed by the Government of India on the recommendation of the Financial Services Institutions Bureau (FSIB).
| Name | Tenure | Notable Period |
|---|---|---|
| S Krishnan | Sep 2020 – May 2022 | Steered the bank back to profitability after a prolonged loss-making phase; began the asset-quality clean-up that later cut GNPA sharply |
| S Harisankar | Sep 2018 – Sep 2020 | Led the bank through a period of elevated non-performing assets and capital constraints common to several PSU banks in the late 2010s |
| Jatinder Bir Singh | Feb 2014 – Dec 2017 | Oversaw branch network expansion and early technology/digital banking initiatives |
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Retail Domestic Term Deposit rates below are fetched live from Punjab & Sind Bank's official rates page where possible. If the live fetch is unavailable, the last published rates are shown instead.
| Metric | FY 2025-26 (Mar 2026) | FY 2024-25 (Mar 2025) | FY 2023-24 (Mar 2024) | FY 2022-23 (Mar 2023) |
|---|---|---|---|---|
| Net Profit (Full Year) | ₹1,322 Cr | ₹1,016 Cr | ₹595 Cr | ~₹1,313 Cr |
| Total Deposits | ~₹1,45,800 Cr | ₹1,29,774 Cr | ~₹1,19,410 Cr | ~₹1,09,700 Cr |
| Total Advances (Gross) | ~₹1,17,850 Cr | ₹99,605 Cr | ~₹85,960 Cr | ~₹80,700 Cr |
| Total Business | ₹2,63,652 Cr | ₹2,29,379 Cr | ~₹2,05,370 Cr | ~₹1,90,400 Cr |
| Gross NPA Ratio | 2.40% | 3.40% | 5.40% | 7.00% |
| Net NPA Ratio | 0.79% | ~0.98% | 1.63% | ~2.50% |
| CRAR (Capital Adequacy) | 17.42% | 17.41% | 17.20% | 17.10% |