PNB Q4 Results FY26: Standalone PAT Rs 5225 Crore Up 14 Percent, GNPA Improves to 2.95 Percent

PNB Q4 results FY26 reported standalone net profit of Rs 5,225 crore for the quarter ended March 31, 2026, up 14.4 percent year on year. Consolidated PNB Q4 results PAT including subsidiaries stood at Rs 5,591.64 crore. The PNB Q4 results delivered a record FY26 full-year standalone PAT of Rs 16,904 crore, cementing Punjab National Bank’s position as one of India’s most profitable public sector banks and confirming the multi-year NPA resolution and credit quality improvement cycle.

The PNB Q4 results asset quality metrics showed a significant improvement, with Gross Non-Performing Assets ratio declining to 2.95 percent from above 4 percent a year ago, reflecting sustained recovery from stressed loan accounts. The PNB Q4 results board recommended a dividend of Rs 3 per equity share for FY26, the highest in recent years. Net Interest Margin remained healthy above 3 percent, supported by improved asset quality and the RBI rate cut cycle’s positive impact on borrowing cost.

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Punjab National Bank Q4 FY26 Results at a Glance

Metric	Q4 FY26	Change / Context
Q4 Standalone PAT	Rs 5,225 crore	+14.4% YoY
Q4 Consolidated PAT	Rs 5,592 crore	Including subsidiaries
FY26 Annual PAT	Rs 16,904 crore	Record annual profit
GNPA Ratio	2.95%	Significant improvement YoY
Net Interest Margin	Above 3%	Healthy credit spread
FY26 Dividend	Rs 3 per share	Highest in recent years

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Key Highlights from PNB Q4 results

GNPA Declining to 2.95 Percent is Landmark Improvement in PNB Q4 Results

The PNB Q4 results asset quality turnaround is one of the most significant highlights of the quarter. GNPA ratio of 2.95 percent compares with over 4 percent a year ago and above 10 percent during the NPA crisis years of FY19 to FY22. The PNB Q4 results credit quality improvement reflects successful resolution of large legacy stressed accounts, improved recovery from NCLT proceedings, and disciplined fresh lending focused on retail, MSME, and Kisan credit segments. This improvement in PNB Q4 results asset quality directly reduces credit provisioning drag on profitability.

Record FY26 PAT of Rs 16904 Crore Confirmed in PNB Q4 Results

PNB Q4 results marked the culmination of a fiscal year where standalone PAT of Rs 16,904 crore represents the bank’s highest-ever annual profit. This compares with Rs 8,245 crore in FY25 and demonstrates the sharp operating leverage improvement in the PNB Q4 results as provisioning requirements fell with NPA resolution. Net Interest Income grew in double digits, fee income improved, and operating expenses remained controlled in PNB Q4 results.

What Drove Punjab National Bank Q4 FY26 Performance

The PNB Q4 results performance was driven by three factors: improved asset quality reducing credit cost provisions, healthy Net Interest Income growth on the back of strong credit growth in Retail and Agriculture segments, and operational efficiency improvements. The RBI’s rate cut cycle beginning in early 2026 also created a positive borrowing cost environment that supported PNB Q4 results NIM. Recovery from NCLT-resolved accounts added back-book income that supplemented the core operating PNB Q4 results profitability.

Dividend and Capital Allocation

The PNB Q4 results board recommended a final dividend of Rs 3 per equity share for FY26. This is the highest final dividend in recent years and compares with Rs 2.90 per share in FY25. The PNB Q4 results dividend reflects the bank’s improved profitability and regulator’s comfort with PNB’s capital adequacy as the NPA resolution cycle matures.

Outlook for FY27

Following the PNB Q4 results, FY27 outlook is positive with continued NPA resolution expected to further lower the GNPA ratio toward 2 to 2.5 percent. Credit growth in retail and MSME segments, coupled with steady NIM above 3 percent, should drive double-digit PAT growth in FY27 from the PNB Q4 results base of Rs 16,904 crore annual PAT. Analyst consensus targets for PNB post Q4 results range between Rs 120 and Rs 145.

Conclusion

The PNB Q4 results FY26 confirm a record-breaking year with standalone PAT of Rs 5,225 crore in Q4, FY26 annual PAT of Rs 16,904 crore, and GNPA improving to 2.95 percent. PNB Q4 results represent a landmark in the bank’s multi-year turnaround from NPA crisis to profitable growth. Track live PNB Q4 results data on the Univest Screener.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Consult a SEBI-registered financial advisor before making investment decisions.

Frequently Asked Questions

What was the PNB Q4 results FY26 net profit?

PNB Q4 results FY26 reported standalone PAT of Rs 5,225 crore, up 14.4 percent year on year. Consolidated PAT was Rs 5,592 crore. FY26 annual standalone PAT was Rs 16,904 crore, the highest ever for Punjab National Bank.

What is PNB GNPA after Q4 results FY26?

PNB Q4 results FY26 showed GNPA ratio declining to 2.95 percent, a major improvement from above 4 percent a year ago. This reflects sustained NPA resolution and improved credit quality in the Retail, MSME, and Agriculture loan book.

What dividend did PNB declare in Q4 results FY26?

PNB Q4 results board recommended a final dividend of Rs 3 per equity share for FY26, the highest in recent years, compared to Rs 2.90 per share in FY25. This reflects improved profitability and strong capital position.

What is the outlook after PNB Q4 results FY26?

Following PNB Q4 results, FY27 outlook is positive with GNPA expected to decline further to 2 to 2.5 percent, credit growth in retail and MSME, and NIM above 3 percent. Analyst targets range Rs 120 to Rs 145 post PNB Q4 results.

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