INTEGRATED FILING — BANKING



General information about company

Scrip code 532461
NSE Symbol PNB
MSEI Symbol NOTLISTED
ISIN INE160A01022
Name of bank Punjab National Bank
Class of security Equity
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 18-10-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-10-2025
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Second quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 18-10-2025   11:15:00
End date and time of board meeting 18-10-2025   13:40:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? Yes
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 14-08-2025
Indicate Company website link for updated RPT policy of the Company https://pnb.bank.in/Policies.html
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 21,91,421.00 43,57,867.00
Income on investments 8,54,121.00 16,97,922.00
Interest on balances with reserve bank of India and other inter bank funds 99,694.00 2,02,163.00
Others 41,917.00 1,25,595.00
Total interest earned 31,87,153.00 63,83,547.00
2 Other income 4,34,209.00 9,60,991.00
3 Total income 36,21,362.00 73,44,538.00
Expenses
4 Interest expenses 21,40,273.00 42,78,858.00
5 Operating expenses
(i) Employees cost 4,74,699.00 9,91,136.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 2,83,684.00 6,43,703.00
Total other operating Expenses 2,83,684.00 6,43,703.00
Total Operating Expenses 7,58,383.00 16,34,839.00
6 Total expenditure excluding provisions and contingencies 28,98,656.00 59,13,697.00
7 Operating profit before provision and contingencies 7,22,706.00 14,30,841.00
8 Provisions other than tax and contingencies 64,308.00 96,618.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 6,58,398.00 13,34,223.00
11 Provision for Tax 1,68,025.00 6,76,350.00
12 Net profit (loss) from ordinary activities after tax 4,90,373.00 6,57,873.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 4,90,373.00 6,57,873.00
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 4,90,373.00 6,57,873.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 2,29,859.00 2,29,859.00
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 70.0800 70.0800
(ii) Capital adequacy ratio
CET 1 ratio 12.7500 12.7500
Additional Tier 1 ratio 1.6600 1.6600
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.27 5.72
Diluted earnings per share before extraordinary items 4.27 5.72
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.27 5.72
Diluted earnings per share after extraordinary items 4.27 5.72
(iv) NPA Ratios
Amount of gross non-performing assets 40,34,333.00 40,34,333.00
Amount of net non-performing assets 4,02,575.00 4,02,575.00
% of gross NPAs 3.4500 3.4500
% of net NPAs 0.3600 0.3600
Return on assets 1.0500 0.7100
21 Disclosure of notes on financial results by banks Textual Information(1)


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Textual Information(1) As per PDF


Statement of Asset and Liabilities

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-04-2025
Date of end of reporting period 30-09-2025
Whether results are audited or unaudited Unaudited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 2,29,859.00
Reserves and surplus 1,33,50,256.00
Deposits 16,17,08,027.00
Borrowings 84,68,653.00
Other liabilities and provisions 39,23,283.00
Total Capital Liabilities 18,76,80,078.00
2 ASSETS
Cash and Balances with Reserve Bank of India 65,22,831.00
Balances with Banks and money at call and short notice 81,10,735.00
Investments 5,01,96,052.00
Advances 11,33,78,033.00
Fixed Assets 155830000000
Other Assets 79,14,127.00
Total Assets 18,76,80,078.00
Disclosure of notes on assets and liabilities Textual Information(1)


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Textual Information(1) As per PDF


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-07-2025 01-04-2025
Date of end of reporting period 30-09-2025 30-09-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury operations 11,32,211.00 22,61,019.00
2 Corporate/wholesale Banking 12,19,341.00 26,35,901.00
3 Retail Banking 11,00,318.00 22,11,133.00
4 Other Banking Operations 1,69,492.00 2,36,485.00
Total Segment Revenue 36,21,362.00 73,44,538.00
Less: Inter segment revenue 0.00 0.00
Income from operations 36,21,362.00 73,44,538.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury operations 3,11,042.00 6,52,563.00
2 Corporate/wholesale Banking 2,46,505.00 5,23,347.00
3 Retail Banking 2,35,056.00 4,66,571.00
4 Other Banking Operations 39,963.00 55,363.00
Total Profit before tax 8,32,566.00 16,97,844.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 1,74,168.00 3,63,621.00
Profit before tax 6,58,398.00 13,34,223.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury operations 5,12,78,123.00 5,12,78,123.00
2 Corporate/wholesale Banking 8,02,91,170.00 8,02,91,170.00
3 Retail Banking 4,69,33,400.00 4,69,33,400.00
4 Other Banking Operations 58,59,013.00 58,59,013.00
Total Segment Assets 18,43,61,706.00 18,43,61,706.00
Un-allocable Assets 33,18,372.00 33,18,372.00
Net Segment Assets 18,76,80,078.00 18,76,80,078.00
4 Segment Liabilities
Segment Liabilities
1 Treasury operations 4,84,23,680.00 4,84,23,680.00
2 Corporate/wholesale Banking 7,58,21,690.00 7,58,21,690.00
3 Retail Banking 4,43,20,810.00 4,43,20,810.00
4 Other Banking Operations 55,32,865.00 55,32,865.00
Total Segment Liabilities 17,40,99,045.00 17,40,99,045.00
Un-allocable Liabilities 918.00 918.00
Net Segment Liabilities 17,40,99,963.00 17,40,99,963.00
Disclosure of notes on segments 1. Segment Liabilities are distributed in the ratio of their respective Segment Assets. 2. Figures of the previous period have been re-grouped/re-classified wherever necessary. 3. As per RBI Circular RBI/2022-23/19 DOR.AUT.REC. 12/22.01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment Reporting, Digital Banking Segment has been identified as sub-segment under Retail Banking by Reserve Bank of India (RBI). As on September 30, 2025, 8 (eight) Digital Banking Units (DBUs) of the Bank are operating and the segment information disclosed as Digital Banking under Retail Banking Operations is related to the said DBUs.




Cash Flow Statement, Indirect

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2025
B Date of end of reporting period 30-09-2025
C Whether results are audited or unaudited Unaudited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax 13,34,223.00
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 1,49,585.00
Adjustments for depreciation and amortisation expense 58,498.00
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss (1,78,153.00)
Adjustments for unrealised foreign exchange losses gains 0.00
Adjustments for dividend income 5,842.00
Adjustments for share-based payments 0.00
Other adjustments for which cash effects are investing or financing cash flow (281.00)
Other adjustments to reconcile profit (loss) 0.00
Other adjustments for non-cash items 1,57,551.00
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0.00
Total adjustments to profit (loss) 1,81,358.00
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0.00
Adjustments for decrease (increase) in trade receivables 0.00
Adjustments for decrease (increase) in other current assets (66,17,949.00)
Adjustments for increase (decrease) in trade payables 0.00
Adjustments for increase (decrease) in other current liabilities 52,23,735.00
Adjustments for provisions 46,148.00
Total adjustments for working capital (13,48,066.00)
Total adjustments for reconcile profit (loss) (11,66,708.00)
Net cash flows from (used in) operations 1,67,515.00
Dividends received 0.00
Interest paid 0.00
Interest received 0.00
Income taxes paid (refund) (3,35,033.00)
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) operating activities before extraordinary items 5,02,548.00
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) operating activities 5,02,548.00
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 1,21,886.00
Cash flows used in obtaining control of subsidiaries or other businesses 2,26,912.00
Other cash receipts from sales of equity or debt instruments of other entities 0.00
Other cash payments to acquire equity or debt instruments of other entities 0.00
Other cash receipts from sales of interests in joint ventures 0.00
Other cash payments to acquire interests in joint ventures 0.00
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0.00
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0.00
Proceeds from sales of tangible assets 2,687.00
Purchase of tangible assets 63,106.00
Proceeds from sales of intangible assets 0.00
Purchase of intangible assets 0.00
Cash advances and loans made to other parties 0.00
Cash receipts from repayment of advances and loans made to other parties 0.00
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0.00
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0.00
Dividends received 5,842.00
Interest received 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 0.00
Proceeds from government grants 0.00
Net cash flows from (used in) investing activities before extraordinary items (1,59,603.00)
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) investing activities (1,59,603.00)
5 Cash flows from used in financing activities
Proceeds from issuing shares 0.00
Proceeds from issuing other equity instruments 0.00
Proceeds from issuing debentures notes bonds etc 0.00
Proceeds from borrowings 0.00
Repayments of borrowings 99,400.00
Dividends paid 3,32,378.00
Interest paid 1,49,585.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) financing activities before extraordinary items (5,81,363.00)
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) financing activities (5,81,363.00)
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes (2,38,418.00)
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0.00
Net increase (decrease) in cash and cash equivalents (2,38,418.00)
Cash and cash equivalents cash flow statement at beginning of period 1,48,71,984.00
Cash and cash equivalents cash flow statement at end of period 1,46,33,566.00


Details of Impact of Audit Qualification

Amount in (Lakhs)

Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 Ummed Jain & Co Yes 31-07-2028
2 N K Bhargava & Co Yes 28-02-2026
3 P S D & Associates Yes 31-01-2026
4 Prem Gupta & Co. Yes 31-12-2027
5 P A & Associates Yes 30-11-2025


Amount in (Lakhs)

Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of the related party transaction ratified by the audit committee Date of Audit Committee Meeting where the ratification was approved Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 Punjab National Bank Sh. K. G. Ananthakrishnan Non- Executive Chairman Any other transaction Sitting Fee 0.00 NA 0.00 01-01-2000 16.05 0.00 0.00
2 Punjab National Bank Sh. Ashok Chandra Director (MD & CEO) Remuneration 0.00 NA 0.00 01-01-2000 23.05 0.00 0.00
3 Punjab National Bank Sh. Kalyan Kumar (demitted office on 30.09.2025) Executive Director Remuneration 0.00 NA 0.00 01-01-2000 102.31 0.00 0.00
4 Punjab National Bank Sh. Kalyan Kumar (demitted office on 30.09.2025) Executive Director Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 3.00 0.00 0.00
5 Punjab National Bank Sh. M. Paramasivam Executive Director Remuneration 0.00 NA 0.00 01-01-2000 23.57 0.00 0.00
6 Punjab National Bank Sh. Bibhu Prasad Mahapatra Executive Director Remuneration 0.00 NA 0.00 01-01-2000 22.26 0.00 0.00
7 Punjab National Bank Sh. Bibhu Prasad Mahapatra Executive Director Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 6.15 0.00 0.00
8 Punjab National Bank Smt. Anita Mahapatra Relative of Executive Director Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 5.65 0.00 0.00
9 Punjab National Bank Sh. D. Surendran Executive Director Remuneration 0.00 NA 0.00 01-01-2000 23.96 0.00 0.00
10 Punjab National Bank Sh. Pankaj Sharma (demitted office on 24.07.2025) Govt. Nominee Director Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 0.38 0.00 0.00
11 Punjab National Bank Sh. Jatinder Singh Bajaj (Ceased to be director w.e.f. 06.06.2025) Non-Executive Independent Director Any other transaction Sitting Fee 0.00 NA 0.00 01-01-2000 4.65 0.00 0.00
12 Punjab National Bank Ambarish Ojha Non-Executive Independent Director Any other transaction Sitting Fee 0.00 NA 0.00 01-01-2000 19.20 0.00 0.00
13 Punjab National Bank Ambarish Ojha Non-Executive Independent Director Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 27.00 0.00 0.00
14 Punjab National Bank Ms. Vandana Bhagavatula Non-Executive Independent Director Any other transaction Sitting Fee 0.00 NA 0.00 01-01-2000 2.90 0.00 0.00
15 Punjab National Bank Sh. Dilip Kumar Jain (Superannuated on 31.08.2025) Former KMP (CFO) Remuneration 0.00 NA 0.00 01-01-2000 148.61 0.00 0.00
16 Punjab National Bank Sh. Dilip Kumar Jain (Superannuated on 31.08.2025) Former KMP (CFO) Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 16.40 0.00 0.00
17 Punjab National Bank Sh. Raman Grover KMP (CFO) Remuneration 0.00 NA 0.00 01-01-2000 4.52 0.00 0.00
18 Punjab National Bank Smt. Ekta Pasricha Former KMP (CS) Remuneration 0.00 NA 0.00 01-01-2000 3.08 0.00 0.00
19 Punjab National Bank Sh. Bikramjit Shom KMP (CS) Remuneration 0.00 NA 0.00 01-01-2000 13.93 0.00 0.00
20 Punjab National Bank Sh. Bikramjit Shom KMP (CS) Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 5.85 0.00 0.00
21 Punjab National Bank Sh. Nandini Shom Relative of KMP (CS) Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 5.00 0.00 0.00
22 Punjab National Bank Sh. Ahana Shom Relative of KMP (CS) Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 24.00 0.00 0.00
23 Punjab National Bank Sh. Lopamudra Shom Relative of KMP (CS) Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 68.35 0.00 0.00
24 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Rent Received 103.32 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 103.32 0.00 0.00
25 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Securities Purchase/Subscription and Securities Sale/Redemption & Money Market Transactions 6,00,000.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 4,79,984.90 0.00 0.00
26 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Processing Fee received on Line of Credit 306.80 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 306.80 0.00 0.00
27 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Bank Charges 7.80 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 7.80 3.08 0.00
28 Punjab National Bank PNB Gilts Ltd. Subsidiary Interest received 105.42 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 105.42 12.69 15.13
29 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Interest paid on Reverse Repo 0.35 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 0.35 0.00 0.00
30 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Power Fuel & Water Charges 10.14 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 10.14 0.00 0.77
31 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Royalty Fee 549.95 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 549.95 0.00 0.00
32 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 60,000.00 0.00 0.00
33 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Interest Accrued on Term Deposits 1,246.07 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 1,246.07 29.73 824.28
34 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Sponsorship Income 11.80 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 11.80 0.00 35.40
35 Punjab National Bank PNB Investment Services Ltd. Subsidiary Interest paid 0.00 NA 0.00 01-01-2000 184.72 0.00 0.00
36 Punjab National Bank PNB Investment Services Ltd. Subsidiary Any other transaction Rent Income 22.86 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 22.86 0.00 15.05
37 Punjab National Bank PNB Investment Services Ltd. Subsidiary Any other transaction Security Trusteeship services & Other Advisory Services 13.17 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 13.17 0.00 0.00
38 Punjab National Bank PNB Investment Services Ltd. Subsidiary Any other transaction Royalty 10.46 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 10.46 0.00 0.00
39 Punjab National Bank PNB Investment Services Ltd. Subsidiary Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 2,256.45 0.00 0.00
40 Punjab National Bank PNB Cards and Services Limited Subsidiary Interest paid 0.00 NA 0.00 01-01-2000 69.76 0.00 0.00
41 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 1,211.29 0.00 0.00
42 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Rent Received 18.37 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 18.37 0.00 0.00
43 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Payment for Business Support Services 3,014.14 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 3,014.14 0.00 0.00
44 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Royalty 8.54 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 8.54 0.00 0.00
45 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Bank Charges 0.01 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 0.01 0.00 0.00
46 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction IT Charges 107.98 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 107.98 0.00 0.00
47 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Interest received 3,259.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 3,259.00 0.00 0.00
48 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Rent Received 16.14 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 16.14 0.00 0.00
49 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Inter Bank Placement 18,867.20 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 18,867.20 0.00 0.00
50 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Forex Deals 11,705.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 11,705.00 0.00 0.00
51 Punjab National Bank Druk PNB Bank Ltd Subsidiary Any other transaction Bank Charges 48.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 48.00 0.00 0.00
52 Punjab National Bank Druk PNB Bank Ltd Subsidiary Any other transaction Counter Guarantee Issued 9.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 9.00 0.00 1,557.00
53 Punjab National Bank Druk PNB Bank Ltd Subsidiary Any other transaction Counter Guarantee received 1,488.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 1,488.00 0.00 3,891.00
54 Punjab National Bank Bhutan Ventures Hospitality Private Limited Related Party of Subsidiary (Druk PNB Limited) Interest received 577.97 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 577.97 0.00 0.00
55 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Bank Charges 29.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 29.00 0.00 0.00
56 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Interest paid 0.00 NA 0.00 01-01-2000 26.00 16.00 17.00
57 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Commission 11,977.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 11,977.00 5,363.00 1,639.00
58 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Premium (2.00) As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 (2.00) 0.00 0.00
59 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Insurance Claim Settled 1,840.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 1,840.00 0.00 0.00
60 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Interest received 407.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 407.00 0.00 0.00
61 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Royalty Charges (489.00) As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 (489.00) 1,047.00 607.00
62 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Rewards to Intermediaries 1,384.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 1,384.00 0.00 0.00
63 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Sale of Securities by Associate 476.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 476.00 0.00 0.00
64 Punjab National Bank PNB Housing Finance Ltd Associate Interest received 20,221.61 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 20,221.61 0.00 0.00
65 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Principal on assignment of loans 25,060.69 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 25,060.69 0.00 0.00
66 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Interest and other charges on assignment of loans 9,792.13 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 9,792.13 0.00 0.00
67 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Servicing Fee on assignment of loans 142.16 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 142.16 0.00 0.00
68 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Royalty Charges 1,504.11 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 1,504.11 0.00 0.00
69 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Bank Charges 2.54 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 2.54 0.00 0.00
70 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 1,38,500.00 0.00 0.00
71 Punjab National Bank PNB Housing Finance Ltd Associate Interest paid 0.00 NA 0.00 01-01-2000 172.65 0.00 0.00
72 Punjab National Bank Everest Bank Ltd Associate Any other transaction Counter Guarantee Issued 44.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 44.00 0.00 495.00
73 Punjab National Bank Everest Bank Ltd Associate Any other transaction Counter Guarantee received 85.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 85.00 4,339.00 4,457.00
74 Punjab National Bank Dakshin Bihar Gramin Bank Associate Interest received 113.64 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 113.64 0.00 0.00
75 Punjab National Bank Dakshin Bihar Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 24.69 0.00 0.00
76 Punjab National Bank Bihar Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 1,34,202.43 0.00 0.00
77 Punjab National Bank Bihar Gramin Bank Associate Any other transaction Bank Charges 134.28 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 134.28 0.00 0.00
78 Punjab National Bank Bihar Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 236.64 0.00 0.00
79 Punjab National Bank Bihar Gramin Bank Associate Interest received 668.30 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 668.30 0.00 0.00
80 Punjab National Bank Sarva Haryana Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 6,269.68 0.00 0.00
81 Punjab National Bank Sarva Haryana Gramin Bank Associate Interest received 53.25 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 53.25 0.00 0.00
82 Punjab National Bank Sarva Haryana Gramin Bank Associate Any other transaction Bank Charges 151.88 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 151.88 0.00 0.00
83 Punjab National Bank Sarva Haryana Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 1,10,000.00 0.00 0.00
84 Punjab National Bank Tripura Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 561.92 0.00 0.00
85 Punjab National Bank Tripura Gramin Bank Associate Interest received 7.64 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 7.64 0.00 0.00
86 Punjab National Bank Tripura Gramin Bank Associate Any other transaction Bank Charges 74.60 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 74.60 0.00 0.00
87 Punjab National Bank Tripura Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 10,000.00 0.00 0.00
88 Punjab National Bank Punjab Gramin Bank Associate Interest received 618.08 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 618.08 0.00 0.00
89 Punjab National Bank Punjab Gramin Bank Associate Any other transaction Bank Charges 98.90 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 98.90 0.00 0.00
90 Punjab National Bank Punjab Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 64,011.02 0.00 0.00
91 Punjab National Bank Assam Gramin Vikash Bank Associate Any other transaction Interest Accrued on Term Deposits 842.30 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 842.30 0.00 0.00
92 Punjab National Bank Assam Gramin Vikash Bank Associate Interest received 257.74 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 257.74 0.00 0.00
93 Punjab National Bank Assam Gramin Vikash Bank Associate Any other transaction Finacle Hosting Charges 238.90 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 238.90 0.00 0.00
94 Punjab National Bank Bangiya Gramin Vikash Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 1.06 0.00 0.00
95 Punjab National Bank Bangiya Gramin Vikash Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 83.00 0.00 0.00
96 Punjab National Bank Bangiya Gramin Vikash Bank Associate Interest received 2.03 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 2.03 0.00 0.00
97 Punjab National Bank West Bengal Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 10,004.35 0.00 0.00
98 Punjab National Bank West Bengal Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 606.49 0.00 0.00
99 Punjab National Bank West Bengal Gramin Bank Associate Interest received 16.24 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 16.24 0.00 0.00
100 Punjab National Bank Himachal Pradesh Gramin Bank Associate Interest received 52.90 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 52.90 0.00 0.00
101 Punjab National Bank Himachal Pradesh Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 15,000.00 0.00 0.00
102 Punjab National Bank Himachal Pradesh Gramin Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 73.49 0.00 0.00
103 Punjab National Bank Manipur Rural Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 53,353.63 0.00 0.00
104 Punjab National Bank Manipur Rural Bank Associate Interest received 14.14 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 14.14 0.00 0.00
105 Punjab National Bank Manipur Rural Bank Associate Interest paid 0.00 NA 0.00 01-01-2000 103.18 0.00 0.00
106 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Term Deposit 0.00 NA 0.00 01-01-2000 40,073.00 0.00 0.00
107 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Bank Charges 108.99 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 108.99 0.00 0.00
108 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Other Charges 6.35 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 6.35 0.00 0.00
109 Punjab National Bank Prathama UP Gramin Bank Associate Interest received 19.61 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 19.61 0.00 0.00
110 Punjab National Bank PNB Centenary Rural Development Trust Associate Any other transaction Amount Sanctioned to PNBCRDT for RSETIs 900.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 900.00 0.00 0.00
111 Punjab National Bank PNB Farmers Welfare Trust Associate Any other transaction Amount Sanctioned to PNBFWT for FTCs (Farmers Training Centers) for Farmers’ Welfare 725.00 As per Bank’s Policy/Omnibus Approval 0.00 01-01-2000 725.00 0.00 0.00
112 PNB Gilts Ltd. Assam Gramin Vikash Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 5,062.50 0.00 0.00
113 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 4,853.50 0.00 0.00
114 PNB Gilts Ltd. Dakshin Bihar Gramin Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 310.68 0.00 0.00
115 PNB Gilts Ltd. Himachal Pradesh Gramin Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 1,999.11 0.00 0.00
116 PNB Gilts Ltd. PNB Metlife India Insurance Co. Ltd. Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 501.36 0.00 0.00
117 PNB Gilts Ltd. Punjab Gramin Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 5,606.98 0.00 0.00
118 PNB Gilts Ltd. West Bengal Gramin Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0.00 NA 0.00 01-01-2000 1,949.60 0.00 0.00
119 PNB Gilts Ltd. PNB Metlife India Insurance Co. Ltd. Associate of PNB Any other transaction Securities Sale/Redemption 0.00 NA 0.00 01-01-2000 12,969.33 0.00 0.00
120 PNB Gilts Ltd. Himachal Pradesh Gramin Bank Associate of PNB Any other transaction Securities Sale/Redemption 0.00 NA 0.00 01-01-2000 1,000.20 0.00 0.00
121 PNB Gilts Ltd. Tripura Gramin Bank Associate of PNB Any other transaction Securities Sale/Redemption 0.00 NA 0.00 01-01-2000 1,040.15 0.00 0.00
122 PNB Gilts Ltd. West Bengal Gramin Bank Associate of PNB Any other transaction Securities Sale/Redemption 0.00 NA 0.00 01-01-2000 24,214.87 0.00 0.00
123 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Associate of PNB Any other transaction Borrowing of Call, Notice & Term Money 0.00 NA 0.00 01-01-2000 1,01,300.00 0.00 0.00
124 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Associate of PNB Any other transaction Interest on Borrowing of Call, Notice & Term Money 0.00 NA 0.00 01-01-2000 33.50 0.00 0.00
125 PNB Gilts Ltd. West Bengal Gramin Bank Associate of PNB Any other transaction Borrowing of Call, Notice & Term Money 0.00 NA 0.00 01-01-2000 4,800.00 0.00 0.00
126 PNB Gilts Ltd. West Bengal Gramin Bank Associate of PNB Any other transaction Interest on Borrowing of Call, Notice & Term Money 0.00 NA 0.00 01-01-2000 0.70 0.00 0.00
127 PNB Gilts Ltd. Assam Gramin Vikash Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.78 0.00 0.00
128 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.53 0.00 0.00
129 PNB Gilts Ltd. Bihar Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.73 0.00 0.00
130 PNB Gilts Ltd. Dakshin Bihar Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.46 0.00 0.00
131 PNB Gilts Ltd. Himachal Pradesh Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 1.86 0.00 0.00
132 PNB Gilts Ltd. Manipur Rural Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.02 0.00 0.00
133 PNB Gilts Ltd. PNB Housing Finance Ltd Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.14 0.00 0.00
134 PNB Gilts Ltd. Prathama UP Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.13 0.00 0.00
135 PNB Gilts Ltd. Punjab Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 1.69 0.00 0.00
136 PNB Gilts Ltd. Sarva Haryana Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 1.26 0.00 0.00
137 PNB Gilts Ltd. Tripura Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 1.01 0.00 0.00
138 PNB Gilts Ltd. West Bengal Gramin Bank Associate of PNB Any other transaction Fee Income 0.00 NA 0.00 01-01-2000 0.66 0.00 0.00
139 PNB Gilts Ltd. PNB Metlife India Insurance Co. Ltd. Associate of PNB Any other transaction Term Insurance Premium Expenses 0.00 NA 0.00 01-01-2000 6.67 0.00 0.00
Total value of transaction during the reporting period 14,12,325.14




Format for Disclosing Outstanding Default on Loans and Debt Securities

Amount in (Lakhs)

Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 5,41,634.00
B Of the total amount outstanding, amount of default as on date 0.00
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0.00
B Of the total amount outstanding, amount of default as on date 0.00
3. Total financial indebtedness of the listed entity including short-term and long-term debt 84,68,653.00