{"id":174026,"date":"2026-07-28T15:40:31","date_gmt":"2026-07-28T10:10:31","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=174026"},"modified":"2026-07-28T15:40:33","modified_gmt":"2026-07-28T10:10:33","slug":"punjab-national-bank-vs-bank-of-baroda-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/punjab-national-bank-vs-bank-of-baroda-comparison\/","title":{"rendered":"Punjab National Bank vs Bank of Baroda: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Punjab National Bank vs Bank of Baroda: Second-largest PSU bank by branch network vs One of India&#8217;s three largest PSU banks by business size. Punjab National Bank sector: PSU Banking. Bank of Barod&#8230;<\/em><\/p>\n<p>Punjab National Bank vs Bank of Baroda is a comparison investors search for because the two companies represent genuinely different positions within PSU Banking. This Punjab National Bank vs Bank of Baroda breakdown goes beyond generic labels and looks at real numbers: reach, products, the latest results each company has declared, and how each stock is positioned today. Understanding Punjab National Bank vs Bank of Baroda this way is more useful than a surface-level label, because it shows where each company actually stands rather than how it describes itself.<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Punjab_National_Bank_vs_Bank_of_Baroda_Reach_and_Market_Position\" title=\"Punjab National Bank vs Bank of Baroda: Reach and Market Position\">Punjab National Bank vs Bank of Baroda: Reach and Market Position<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Punjab_National_Bank_vs_Bank_of_Baroda_Key_Products_and_Business_Mix\" title=\"Punjab National Bank vs Bank of Baroda: Key Products and Business Mix\">Punjab National Bank vs Bank of Baroda: Key Products and Business Mix<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Punjab_National_Bank_vs_Bank_of_Baroda_Latest_Results\" title=\"Punjab National Bank vs Bank of Baroda: Latest Results\">Punjab National Bank vs Bank of Baroda: Latest Results<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Punjab_National_Bank_vs_Bank_of_Baroda_Stock_and_Valuation\" title=\"Punjab National Bank vs Bank of Baroda: Stock and Valuation\">Punjab National Bank vs Bank of Baroda: Stock and Valuation<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Punjab_National_Bank_vs_Bank_of_Baroda_Quick_Comparison_Table\" title=\"Punjab National Bank vs Bank of Baroda: Quick Comparison Table\">Punjab National Bank vs Bank of Baroda: Quick Comparison Table<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#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-7\" href=\"https:\/\/univest.in\/blogs-2\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/punjab-national-bank-vs-bank-of-baroda-comparison\/#What_is_the_main_difference_between_Punjab_National_Bank_and_Bank_of_Baroda\" title=\"What is the main difference between Punjab National Bank and Bank of Baroda?\">What is the main difference between Punjab National Bank and Bank of Baroda?<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#How_do_Punjab_National_Bank_and_Bank_of_Barodas_latest_results_compare\" title=\"How do Punjab National Bank and Bank of Baroda&#8217;s latest results compare?\">How do Punjab National Bank and Bank of Baroda&#8217;s latest results compare?<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#What_sector_do_Punjab_National_Bank_and_Bank_of_Baroda_operate_in\" title=\"What sector do Punjab National Bank and Bank of Baroda operate in?\">What sector do Punjab National Bank and Bank of Baroda operate in?<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#Should_I_invest_in_Punjab_National_Bank_or_Bank_of_Baroda\" title=\"Should I invest in Punjab National Bank or Bank of Baroda?\">Should I invest in Punjab National Bank or Bank of Baroda?<\/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\/punjab-national-bank-vs-bank-of-baroda-comparison\/#What_are_the_key_products_of_Punjab_National_Bank\" title=\"What are the key products of Punjab National Bank?\">What are the key products of Punjab National Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/punjab-national-bank-vs-bank-of-baroda-comparison\/#What_are_the_key_products_of_Bank_of_Baroda\" title=\"What are the key products of Bank of Baroda?\">What are the key products of Bank of Baroda?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/punjab-national-bank-vs-bank-of-baroda-comparison\/#How_do_Punjab_National_Bank_and_Bank_of_Baroda_compare_on_market_position\" title=\"How do Punjab National Bank and Bank of Baroda compare on market position?\">How do Punjab National Bank and Bank of Baroda compare on market position?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_vs_Bank_of_Baroda_Reach_and_Market_Position\"><\/span><strong>Punjab National Bank vs Bank of Baroda: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Punjab National Bank vs Bank of Baroda comparison, Punjab National Bank stands out for One of India&#8217;s largest PSU bank networks with a wide presence across semi-urban and rural India. This scale gives Punjab National Bank a distinct position within PSU Banking that shapes how it competes.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=punjab-national-bank-vs-bank-of-baroda-reach\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>Bank of Baroda, on the other hand, is built around Domestic deposits of Rs 13.82 lakh crore and global deposits of Rs 16.34 lakh crore as of June 2026. Comparing Punjab National Bank vs Bank of Baroda on reach alone shows two different growth strategies, not a single verdict.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_vs_Bank_of_Baroda_Key_Products_and_Business_Mix\"><\/span><strong>Punjab National Bank vs Bank of Baroda: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Punjab National Bank&#8217;s business runs on retail lending, MSME banking, agriculture credit, corporate banking and government scheme implementation. This product mix is central to any Punjab National Bank vs Bank of Baroda comparison, since it explains where each company&#8217;s revenue actually comes from.<\/p>\n<p>Bank of Baroda instead leans on retail and corporate banking, international banking, SME and rural lending, treasury services. The Punjab National Bank vs Bank of Baroda product comparison shows these are genuinely different businesses, not just different brand names in the same category.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_vs_Bank_of_Baroda_Latest_Results\"><\/span><strong>Punjab National Bank vs Bank of Baroda: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Looking at real numbers rather than claims, Punjab National Bank&#8217;s latest disclosed results show Q1 FY27 standalone net profit of Rs 5,253 crore, with gross NPA improving to 2.78%. This is the clearest evidence available for the Punjab National Bank vs Bank of Baroda comparison on Punjab National Bank&#8217;s side.<\/p>\n<p>Bank of Baroda&#8217;s latest disclosed results show Q1 FY27 standalone net profit fell 71.8% YoY to Rs 1,278.39 crore on margin pressure, even as NII rose 9.5% to Rs 12,524 crore and domestic deposits grew 14.7%. Weighing Punjab National Bank vs Bank of Baroda on actual results, rather than headline positioning, is what separates a useful comparison from a generic one.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Punjab National Bank and Bank of Baroda Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_vs_Bank_of_Baroda_Stock_and_Valuation\"><\/span><strong>Punjab National Bank vs Bank of Baroda: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the market side, Punjab National Bank is described as: Among the more actively traded PSU bank stocks on NSE and BSE. Bank of Baroda is described as: CMP around Rs 246. The Punjab National Bank vs Bank of Baroda valuation gap often reflects how the market is pricing each company&#8217;s growth and risk profile differently.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_vs_Bank_of_Baroda_Quick_Comparison_Table\"><\/span><strong>Punjab National Bank vs Bank of Baroda: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Parameter<\/th>\n<th><a href=\"https:\/\/univest.in\/stocks\/pnb\/punjab-national-bank-share-price-today\">Punjab National Bank<\/a><\/th>\n<th><a href=\"https:\/\/univest.in\/stocks\/bankbaroda\/bank-of-baroda-share-price-today\">Bank of Baroda<\/a><\/th>\n<\/tr>\n<tr>\n<td>Sector<\/td>\n<td>PSU Banking<\/td>\n<td>PSU Banking<\/td>\n<\/tr>\n<tr>\n<td>Market position<\/td>\n<td>Second-largest PSU bank by branch network<\/td>\n<td>One of India&#8217;s three largest PSU banks by business size<\/td>\n<\/tr>\n<tr>\n<td>Reach<\/td>\n<td>One of India&#8217;s largest PSU bank networks with a wide presence across semi-urban and rural<\/td>\n<td>Domestic deposits of Rs 13.82 lakh crore and global deposits of Rs 16.34 lakh crore as of<\/td>\n<\/tr>\n<tr>\n<td>Latest results<\/td>\n<td>Q1 FY27 standalone net profit of Rs 5,253 crore, with gross NPA improving to 2.78%<\/td>\n<td>Q1 FY27 standalone net profit fell 71.8% YoY to Rs 1,278.39 crore on margin pressure, even as NII ro<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Punjab National Bank vs Bank of Baroda ultimately comes down to two companies solving similar problems in different ways. Punjab National Bank brings Second-largest PSU bank by branch network, while Bank of Baroda brings One of India&#8217;s three largest PSU banks by business size. Investors weighing Punjab National Bank vs Bank of Baroda should track both companies&#8217; upcoming results and valuation gap rather than picking a side on reputation alone. This Punjab National Bank vs Bank of Baroda breakdown is a starting point, not a final verdict.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Punjab National Bank and Bank of Baroda live price and get daily stock recommendations.<\/em><\/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, including company results filings and exchange data, and are current as of the time of writing. 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=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Punjab_National_Bank_and_Bank_of_Baroda\"><\/span><strong>What is the main difference between Punjab National Bank and Bank of Baroda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main difference in the Punjab National Bank vs Bank of Baroda comparison lies in scale and business mix. Punjab National Bank is built on Second-largest PSU bank by branch network, while Bank of Baroda is positioned around One of India&#8217;s three largest PSU banks by business size.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_Punjab_National_Bank_and_Bank_of_Barodas_latest_results_compare\"><\/span><strong>How do Punjab National Bank and Bank of Baroda&#8217;s latest results compare?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Comparing Punjab National Bank vs Bank of Baroda on latest disclosed results: Punjab National Bank reported Q1 FY27 standalone net profit of Rs 5,253 crore, with gross NPA improving to 2.78%, while Bank of Baroda reported Q1 FY27 standalone net profit fell 71.8% YoY to Rs 1,278.39 crore on margin pressure, even as NII rose 9.5% to Rs 12,524 crore and domestic .<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_sector_do_Punjab_National_Bank_and_Bank_of_Baroda_operate_in\"><\/span><strong>What sector do Punjab National Bank and Bank of Baroda operate in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Punjab National Bank operates in PSU Banking and Bank of Baroda operates in PSU Banking. Even where the sectors overlap, the Punjab National Bank vs Bank of Baroda comparison shows different product mixes and market positions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Punjab_National_Bank_or_Bank_of_Baroda\"><\/span><strong>Should I invest in Punjab National Bank or Bank of Baroda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both Punjab National Bank and Bank of Baroda have distinct strengths within their space. Investors comparing Punjab National Bank vs Bank of Baroda should review the latest quarterly results, valuation and their own risk profile, and consult a financial advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_key_products_of_Punjab_National_Bank\"><\/span><strong>What are the key products of Punjab National Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Punjab National Bank&#8217;s key products and business lines include retail lending, MSME banking, agriculture credit, corporate banking and government scheme implementation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_key_products_of_Bank_of_Baroda\"><\/span><strong>What are the key products of Bank of Baroda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Baroda&#8217;s key products and business lines include retail and corporate banking, international banking, SME and rural lending, treasury services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_Punjab_National_Bank_and_Bank_of_Baroda_compare_on_market_position\"><\/span><strong>How do Punjab National Bank and Bank of Baroda compare on market position?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> On market position, Punjab National Bank holds Second-largest PSU bank by branch network, while Bank of Baroda holds One of India&#8217;s three largest PSU banks by business size. The Punjab National Bank vs Bank of Baroda comparison shows both companies lead in different ways rather than one being universally ahead.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Punjab National Bank vs Bank of Baroda compared on reach, products, latest results and stock performance. 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