{"id":139080,"date":"2026-07-03T12:09:43","date_gmt":"2026-07-03T06:39:43","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=139080"},"modified":"2026-07-03T12:09:43","modified_gmt":"2026-07-03T06:39:43","slug":"pnb-share-price-citi-sell-rating-target-103","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/","title":{"rendered":"PNB Share Price in Focus as Citi Retains Sell Rating With Rs 103 Target"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>PNB Rs 105.75 (-1.09%). Citi Sell, target Rs 103. Advances +12.9% YoY, in-line but below system growth. Deposit growth 8.5% missed 9-10% target.<\/em><\/p>\n<p>PNB share price is in focus today after Citi retained its Sell rating on Punjab National Bank with a target price of Rs 103, based on the brokerage&#8217;s assessment of the bank&#8217;s preliminary first quarter business update, with the stock trading around Rs 105.75, down 1.09 percent.<\/p>\n<p>Citi&#8217;s continued cautious stance on PNB share price comes even as the bank&#8217;s advances grew 12.9 percent year on year, broadly in line with its own guidance, though the brokerage flagged this growth as still trailing the overall banking system&#8217;s credit growth pace.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=pnb-citi-sell-rating-target-103\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#Why_Citi_Retains_a_Sell_Rating_on_PNB_Share_Price\" title=\"Why Citi Retains a Sell Rating on PNB Share Price\">Why Citi Retains a Sell Rating on PNB Share Price<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#Citis_Key_Estimates_for_PNB\" title=\"Citi&#8217;s Key Estimates for PNB\">Citi&#8217;s Key Estimates for PNB<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#Outlook_for_PNB_Share_Price\" title=\"Outlook for PNB Share Price\">Outlook for PNB Share Price<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#Key_Risks_to_Watch_on_PNB_Share_Price\" title=\"Key Risks to Watch on PNB Share Price\">Key Risks to Watch on PNB Share Price<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#FAQs_on_PNB_Share_Price\" title=\"FAQs on PNB Share Price\">FAQs on PNB Share Price<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#1_What_is_Citis_rating_on_PNB_share_price\" title=\"1. What is Citi&#8217;s rating on PNB share price?\">1. What is Citi&#8217;s rating on PNB share price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#2_Why_did_Citi_flag_PNBs_deposit_growth\" title=\"2. Why did Citi flag PNB&#8217;s deposit growth?\">2. Why did Citi flag PNB&#8217;s deposit growth?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#3_How_did_PNBs_advances_grow_according_to_Citis_note\" title=\"3. How did PNB&#8217;s advances grow according to Citi&#8217;s note?\">3. How did PNB&#8217;s advances grow according to Citi&#8217;s note?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#4_What_is_PNBs_floating_provisions_buffer\" title=\"4. What is PNB&#8217;s floating provisions buffer?\">4. What is PNB&#8217;s floating provisions buffer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#5_Has_PNB_announced_its_full_Q1_FY27_results\" title=\"5. Has PNB announced its full Q1 FY27 results?\">5. Has PNB announced its full Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/pnb-share-price-citi-sell-rating-target-103\/#6_What_are_the_key_risks_to_PNB_share_price_per_Citis_note\" title=\"6. What are the key risks to PNB share price per Citi&#8217;s note?\">6. What are the key risks to PNB share price per Citi&#8217;s note?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Citi_Retains_a_Sell_Rating_on_PNB_Share_Price\"><\/span><strong>Why Citi Retains a Sell Rating on PNB Share Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/univest.in\/stocks\/pnb\/punjab-national-bank-share-price-today\">Punjab National Bank<\/a>&#8216;s deposit growth of 8.5 percent year on year came in below the bank&#8217;s own internal target of 9 to 10 percent, a shortfall Citi has specifically flagged as a factor behind its cautious view on PNB share price. The brokerage&#8217;s note also pointed out that while corporate and overseas lending remained strong during the quarter, retail loan growth lagged, a mix shift that could have implications for margins and asset quality over time.<\/p>\n<p>On the more constructive side, Citi noted that slippages and credit costs are expected to stay low, with net interest margins likely to remain stable, and highlighted that the bank may continue building floating provisions, with its cumulative buffer now standing at Rs 2,045 crore, a cushion that could support asset quality resilience even as growth metrics show some mixed signals. This is a key data point for anyone tracking the PNB share price today.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Citis_Key_Estimates_for_PNB\"><\/span><strong>Citi&#8217;s Key Estimates for PNB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<tr>\n<td>Citi Rating<\/td>\n<td>Sell<\/td>\n<\/tr>\n<tr>\n<td>Citi Target Price<\/td>\n<td>Rs 103<\/td>\n<\/tr>\n<tr>\n<td>CMP<\/td>\n<td>Rs 105.75<\/td>\n<\/tr>\n<tr>\n<td>Advances Growth (YoY)<\/td>\n<td>+12.9%<\/td>\n<\/tr>\n<tr>\n<td>Deposit Growth (YoY)<\/td>\n<td>+8.5% (vs 9-10% target)<\/td>\n<\/tr>\n<tr>\n<td>Floating Provisions Buffer<\/td>\n<td>Rs 2,045 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expected Q1FY27 RoA<\/td>\n<td>0.8% to 0.85%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for Live PSU Banking Sector Data<\/strong><\/a><\/p>\n<p>Citi&#8217;s expectation of a return on assets in the 0.8 to 0.85 percent range for the first quarter of FY27 reflects a note based on the bank&#8217;s preliminary business update and management guidance, since Punjab National Bank&#8217;s full quarterly financial results, including detailed profitability figures, have not yet been formally announced. Investors watching the PNB share price should note this development closely.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Outlook_for_PNB_Share_Price\"><\/span><strong>Outlook for PNB Share Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With Citi&#8217;s Rs 103 target sitting below PNB&#8217;s current trading price, the brokerage&#8217;s Sell rating implies limited near term upside in its view, largely tied to concerns around deposit growth trailing internal targets and retail lending momentum lagging the stronger corporate and overseas book. Confirmation of whether Citi&#8217;s RoA estimate and margin stability view play out will only come once PNB formally announces its full Q1 FY27 results in the coming weeks. This detail is central to the near term outlook on the PNB share price.<\/p>\n<p><em>Quick take: Citi&#8217;s Sell rating on PNB share price is grounded in specific, granular concerns around deposit mix and retail growth rather than a broadly negative view, with the brokerage still expecting stable margins and low credit costs.<\/em><\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track PNB&#8217;s live price and brokerage updates.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_Watch_on_PNB_Share_Price\"><\/span><strong>Key Risks to Watch on PNB Share Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Since Citi&#8217;s estimates are based on preliminary business update figures and management guidance rather than PNB&#8217;s formally announced Q1 FY27 results, investors should treat the brokerage&#8217;s specific RoA and margin projections as estimates subject to revision once actual results are disclosed. The gap between PNB&#8217;s deposit growth and its own stated target is also worth monitoring in subsequent quarters, since a persistent shortfall could pressure the bank&#8217;s ability to fund continued advances growth. This is likely to remain a talking point for the PNB share price in coming sessions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB share price remains under a cautious brokerage lens after Citi retained its Sell rating with a Rs 103 target, citing deposit growth missing the bank&#8217;s internal target even as advances grew broadly in line with guidance. With PNB&#8217;s full Q1 FY27 results still awaited, investors should watch for formal confirmation of the margin and profitability trends Citi has projected before drawing firm conclusions. This article is for educational purposes and is not investment advice; consult a SEBI-registered investment adviser before making any investment decision.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_PNB_Share_Price\"><\/span><strong>FAQs on PNB Share Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_Citis_rating_on_PNB_share_price\"><\/span><strong>1. What is Citi&#8217;s rating on PNB share price?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Citi has retained a Sell rating on PNB with a target price of Rs 103.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_did_Citi_flag_PNBs_deposit_growth\"><\/span><strong>2. Why did Citi flag PNB&#8217;s deposit growth?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB&#8217;s deposit growth of 8.5 percent year on year came in below the bank&#8217;s own internal target of 9 to 10 percent, a shortfall Citi cited as a factor behind its cautious view.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_did_PNBs_advances_grow_according_to_Citis_note\"><\/span><strong>3. How did PNB&#8217;s advances grow according to Citi&#8217;s note?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Advances grew 12.9 percent year on year, broadly in line with the bank&#8217;s guidance, though still trailing overall banking system credit growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_PNBs_floating_provisions_buffer\"><\/span><strong>4. What is PNB&#8217;s floating provisions buffer?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB&#8217;s cumulative floating provisions buffer stands at Rs 2,045 crore, which Citi noted the bank may continue to build.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Has_PNB_announced_its_full_Q1_FY27_results\"><\/span><strong>5. Has PNB announced its full Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No, Citi&#8217;s estimates, including its 0.8 to 0.85 percent RoA projection, are based on PNB&#8217;s preliminary business update and management guidance, with full quarterly results still awaited.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_are_the_key_risks_to_PNB_share_price_per_Citis_note\"><\/span><strong>6. What are the key risks to PNB share price per Citi&#8217;s note?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Retail loan growth lagging behind corporate and overseas lending, and the persistent gap between deposit growth and the bank&#8217;s own target, are key risks flagged in Citi&#8217;s assessment.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is Citi's rating on PNB share price?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Citi has retained a Sell rating on PNB with a target price of Rs 103.\"}},{\"@type\":\"Question\",\"name\":\"Why did Citi flag PNB's deposit growth?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB's deposit growth of 8.5 percent year on year came in below the bank's own internal target of 9 to 10 percent, a shortfall Citi cited as a factor behind its cautious view.\"}},{\"@type\":\"Question\",\"name\":\"How did PNB's advances grow according to Citi's note?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Advances grew 12.9 percent year on year, broadly in line with the bank's guidance, though still trailing overall banking system credit growth.\"}},{\"@type\":\"Question\",\"name\":\"What is PNB's floating provisions buffer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB's cumulative floating provisions buffer stands at Rs 2,045 crore, which Citi noted the bank may continue to build.\"}},{\"@type\":\"Question\",\"name\":\"Has PNB announced its full Q1 FY27 results?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, Citi's estimates, including its 0.8 to 0.85 percent RoA projection, are based on PNB's preliminary business update and management guidance, with full quarterly results still awaited.\"}},{\"@type\":\"Question\",\"name\":\"What are the key risks to PNB share price per Citi's note?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Retail loan growth lagging behind corporate and overseas lending, and the persistent gap between deposit growth and the bank's own target, are key risks flagged in Citi's assessment.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>PNB share price is in focus as Citi retains its Sell rating with a target of Rs 103, citing deposit growth missing the bank&#8217;s own target. Details here.<\/p>\n","protected":false},"author":34,"featured_media":139147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[4385],"class_list":["post-139080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-share-price-in-focus"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1783060789:23"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["79"],"rank_math_title":["PNB Share Price: Citi Retains Sell Rating, Target Rs 103"],"rank_math_description":["PNB share price is in focus as Citi retains its Sell rating with a target of Rs 103, citing deposit growth missing the bank's own target. 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