Key Financial Highlights

Profitability Metrics

  • Net Profit: ₹5,253 crore in Q1 FY27, increased by 213.6% YoY from ₹1,675 crore in Q1 FY26
  • Return on Assets (RoA): 1.04% in Q1 FY27, increased by 67 bps over Q1 FY26
  • Operating Profit: ₹7,519 crore for Q1 FY27, increased 6.2% YoY from ₹7,081 crore
  • Net Interest Income: ₹10,798 crore in Q1 FY27, increased 2.1% YoY
  • Global Net Interest Margin: 2.50% in Q1 FY27, improved from 2.47% in Q4 FY26
  • Fee-based Income: ₹2,339 crore for Q1 FY27, increased 19.6% QoQ from ₹1,956 crore
  • Interest Income on Advances: ₹23,061 crore for Q1 FY27, increased 6.4% YoY from ₹21,664 crore
  • Total Interest Income: ₹32,897 crore for Q1 FY27, increased 2.3% QoQ from ₹32,157 crore

Business Growth

  • Global Business: ₹29.98 lakh crore as on June 2026, grew 10.2% YoY from ₹27.19 lakh crore
  • Global Deposits: ₹17.24 lakh crore as on June 2026, increased 8.5% YoY from ₹15.89 lakh crore
  • Global Advances: ₹12,73,132 crore as on June 2026, increased 12.7% YoY from ₹11,29,898 crore
  • Credit-Deposit Ratio: 73.8% as on June 2026 compared to 71.1% in June 2025

Asset Quality

  • Gross NPA Ratio: 2.78% as on June 2026, improved by 100 bps YoY from 3.78% and improved 17 bps sequentially
  • Net NPA Ratio: 0.28% as on June 2026, improved by 10 bps YoY from 0.38% and improved 1 bp sequentially
  • Slippage Ratio: 0.68% in Q1 FY27, improved by 3 bps YoY from 0.71%
  • Gross NPAs: ₹35,381 crore as on June 2026, declined by ₹7,292 crore from ₹42,673 crore as on June 2025
  • Net NPAs: ₹3,433 crore as on June 2026, declined by ₹699 crore from ₹4,132 crore as on June 2025

Deposit Composition

  • Savings Deposits: ₹5,33,798 crore, grew 7.2% YoY
  • Current Deposits: ₹79,318 crore, grew 12.3% YoY
  • CASA Deposits: ₹6,13,116 crore, grew 7.8% YoY
  • CASA Share: 36.7% as on June 2026

Advances Portfolio

  • Core Retail Advances: Grew 17.5% YoY
  • Housing Loan: ₹1,32,840 crore, grew 11.9% YoY
  • Vehicle Loan: ₹36,599 crore, grew 34.4% YoY
  • Agriculture PS Advances: ₹1,61,668 crore, grew 16.4% YoY
  • MSME Advances: ₹2,03,025 crore, grew 19.8% YoY

Capital Adequacy

  • CRAR: 18.13% as on June 2026, increased from 17.50% as on June 2025
  • Book Value per Share (Tangible): ₹108.58 in June 2026, increased from ₹92.64 in June 2025

Efficiency Metrics

  • Business per Employee: ₹29.71 crore as on June 2026, improved from ₹27.30 crore as on June 2025
  • Business per Branch: ₹278.28 crore as on June 2026, improved from ₹257.39 crore as on June 2025
  • Net Profit per Employee: ₹21.71 lakhs as on Q1 FY27
  • Net Profit per Branch: ₹203.37 lakhs as on Q1 FY27

Financial Inclusion Initiatives

  • PMJDY Accounts: 573.46 crore as on June 2026, increased from 539 crore as on June 2025
  • Scheme Enrollments as on 30.06.2026:
  • Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): 95.72 (from 75.54 in 2025)
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY): 357.00 (from 300.15 in 2025)
  • Atal Pension Yojana (APY): 59.77 (from 48.11 in 2025)

Distribution Network

  • Total Touch Points: 54,248 as on 30th June 2026
  • Domestic Branches: 10,359
  • International Branches: 2
  • Branch Distribution:
  • Metro: 1,761 branches (17.0% share)
  • Urban: 2,041 branches (19.7% share)
  • Semi Urban: 2,548 branches (24.6% share)
  • Rural: 4,009 branches (38.7% share)
  • ATMs: 10,605
  • Business Correspondents (BCs): 33,284

Digital Progress

  • Digital Transactions: 365 crores as on 30.06.2026, grew 24% YoY from 295 crores
  • PNB One Activated Users: 270 lakh as on 30.06.2026, grew 19% YoY from 227 lakh
  • WhatsApp Banking Users: 140 lakh as on 30.06.2026, grew 100% YoY from 70 lakh
  • CBDC Users: 17.22 lakh
  • CBDC Transactions: 153.06 lakh
  • Project Sentinel: Implemented for tracing mule network and pre-empting financial fraud

Awards and Accolades

  • Golden Peacock National Training Award for 2026
  • APY Annual Awards: Excellence Achiever for FY 2025-26 targets (awarded by PFRDA)
  • Platinum Award for Treasury Transformation at Infosys Finacle Innovation Awards 2026
  • Winner in Climate Finance category for Viksit Bharat "Ambassador for Change" Awards 2026
  • BAANKNET Highest Value Realization Award from PSB Alliance
  • Platinum Award for Product Innovation at Infosys Finacle Innovation Awards 2026 for Krishi Tatkal Rinn

Social Media Presence

  • Facebook: 34,84,289 followers
  • X (Twitter): 4,70,546 followers
  • Instagram: 11,94,090 followers
  • LinkedIn: 2,35,760 followers
  • YouTube: 5,32,000 subscribers
  • Threads: 53,500 followers