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-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 07-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 03-May-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 07-May-2025   12:25:00
End date and time of board meeting 07-May-2025   14:20:00
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?
(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 2025-03-24
Indicate Company website link for updated RPT policy of the Company https://www.pnbindia.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? Yes
No. of times funds raised during the quarter 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 222249200000 861009500000
Income on investments 80116000000 307005500000
Interest on balances with reserve bank of India and other inter bank funds 11299100000 34658600000
Others 6230300000 14933700000
Total interest earned 319894600000 1217607300000
2 Other income 47158900000 163093700000
3 Total income 367053500000 1380701000000
Expenses
4 Interest expenses 212324800000 789785600000
5 Operating expenses
(i) Employees cost 57927300000 213577200000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 29044900000 109031500000
Total other operating Expenses 29044900000 109031500000
Total Operating Expenses 86972200000 322608700000
6 Total expenditure excluding provisions and contingencies 299297000000 1112394300000
7 Operating profit before provision and contingencies 67756500000 268306700000
8 Provisions other than tax and contingencies 3596700000 16746000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 64159800000 251560700000
11 Provision for Tax 18489800000 85258700000
12 Net profit (loss) from ordinary activities after tax 45670000000 166302000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 45670000000 166302000000
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 45670000000 166302000000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 22985900000 22985900000
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 1167552300000
20 Analytical ratios
(i) Percentage of share held by government of India 70.08 70.08
(ii) Capital adequacy ratio
CET 1 ratio 12.33 12.33
Additional Tier 1 ratio 1.72 1.72
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 3.97 14.77
Diluted earnings per share before extraordinary items 3.97 14.77
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.97 14.77
Diluted earnings per share after extraordinary items 3.97 14.77
(iv) NPA Ratios
Amount of gross non-performing assets 440816000000 440816000000
Amount of net non-performing assets 42905500000 42905500000
% of gross NPAs 3.95 3.95
% of net NPAs 0.4 0.4
Return on assets 1.02 0.97
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) AS per PDF Submitted


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 22985900000
Reserves and surplus 1250636600000
Deposits 15666232800000
Borrowings 837767100000
Other liabilities and provisions 404084900000
Total Capital Liabilities 18181707300000
2 ASSETS
Cash and Balances with Reserve Bank of India 643046100000
Balances with Banks and money at call and short notice 844152300000
Investments 4973112500000
Advances 10774745700000
Fixed Assets 130533900000
Other Assets 816116800000
Total Assets 18181707300000
Disclosure of notes on assets and liabilities Textual Information(1)


Text Block
Textual Information(1) As per PDF


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 102093200000 385941200000
2 Corporate/wholesale Banking 154788900000 582224100000
3 Retail Banking 98118100000 379641600000
4 Other Banking Operations 12053300000 32894100000
Total Segment Revenue 367053500000 1380701000000
Less: Inter segment revenue
Income from operations 367053500000 1380701000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 19629900000 98319400000
2 Corporate/wholesale Banking 30642500000 116128000000
3 Retail Banking 23641400000 82433500000
4 Other Banking Operations 4732800000 13308900000
Total Profit before tax 78646600000 310189800000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 14486800000 58629100000
Profit before tax 64159800000 251560700000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 5251928800000 5251928800000
2 Corporate/wholesale Banking 7742673100000 7742673100000
3 Retail Banking 4318787500000 4318787500000
4 Other Banking Operations 457264500000 457264500000
Total Segment Assets 17770653900000 17770653900000
Un-allocable Assets 411053400000 411053400000
Net Segment Assets 18181707300000 18181707300000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4987140500000 4987140500000
2 Corporate/wholesale Banking 7352308000000 7352308000000
3 Retail Banking 4101045700000 4101045700000
4 Other Banking Operations 434210300000 434210300000
Total Segment Liabilities 16874704500000 16874704500000
Un-allocable Liabilities 33380300000 33380300000
Net Segment Liabilities 16874704500000 16874704500000
Disclosure of notes on segments As per PDF Submitted




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
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
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 31085856000
Adjustments for depreciation and amortisation expense -2199526000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 407000000
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow -40601000
Other adjustments to reconcile profit (loss) 4587000
Other adjustments for non-cash items 16862530000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 45305846000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -2371715105000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 2347861716000
Adjustments for provisions 0
Total adjustments for working capital -23853389000
Total adjustments for reconcile profit (loss) 21452457000
Net cash flows from (used in) operations 273013157000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 50290780000
Other inflows (outflows) of cash -33000
Net cash flows from (used in) operating activities before extraordinary items 222722344000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 222722344000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 0
Purchase of tangible assets 15750028000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 407000000
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -15343028000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -15343028000
5 Cash flows from used in financing activities
Proceeds from issuing shares 49875671000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 13500000000
Dividends paid 16516523000
Interest paid 31085856000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -11226708000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -11226708000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 196152608000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 196152608000
Cash and cash equivalents cash flow statement at beginning of period 1291045809000
Cash and cash equivalents cash flow statement at end of period 1487198417000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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-Jul-2025
2 N K Bhargava & Co Yes 28-Feb-2026
3 P S D & Associates Yes 31-Jan-2026
4 Prem Gupta & Co. Yes 31-Dec-2027
5 P A & Associates Yes 30-Nov-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 14-Feb-2025
Amount Raised 29500000000
Report filed for Quarter ended 31-Mar-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation NA
Comments of the Audit Committee after review NA
Comments of the auditors, if any NA
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Signatory Details
Name of signatory Bikramjit Shom
Designation of person Company Secretary and Compliance Officer
Place New Delhi
Date 07-May-2025




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 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 NA 1105000 0 0
2 Punjab National Bank Sh. Ashok Chandra Director (MD & CEO) Remuneration 0 NA 875000 0 0
3 Punjab National Bank Sh. Atul Kumar Goel (superannuated on 31.12.2024) Former Director (MD & CEO) Remuneration 0 NA 3485000 0 0
4 Punjab National Bank Sh. Kalyan Kumar Executive Director Remuneration 0 NA 4043000 0 0
5 Punjab National Bank Sh. Binod Kumar Former Executive Director Remuneration 0 NA 3144000 0 0
6 Punjab National Bank Sh. M. Paramasivam Executive Director Remuneration 0 NA 3976000 0 0
7 Punjab National Bank Sh. Bibhu Prasad Mahapatra Executive Director Remuneration 0 NA 2817000 0 0
8 Punjab National Bank Sh. D. Surendran Executive Director Remuneration 0 NA 74000 0 0
9 Punjab National Bank Sh. Pankaj Joshi (Tenure Completed on 20.12.2024) Former Non-Executive Independent Director Any other transaction Sitting Fee 0 NA 685000 0 0
10 Punjab National Bank Sh. Sanjeev Kumar Singhaln(Tenure Completed on 20.12.2024) Former Non-Executive Independent Director Any other transaction Sitting Fee 0 NA 670000 0 0
11 Punjab National Bank Jatinder Singh Bajaj Non-Executive Independent Director Any other transaction Sitting Fee 0 NA 930000 0 0
12 Punjab National Bank Ambarish Ojha Non-Executive Independent Director Any other transaction Sitting Fee 0 NA 1575000 0 0
13 Punjab National Bank Sh. Dilip Kumar Jain KMP (CFO) Remuneration 0 NA 6285000 0 0
14 Punjab National Bank Smt. Ekta Pasricha KMP (CS) Remuneration 0 NA 2360000 0 0
15 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Rent Received 10500000 As per Bank’s Policy/Omnibus Approval 10500000 0 0
16 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Securities Purchase/Subscription and Securities Sale/Redemption 60000000000 As per Bank’s Policy/Omnibus Approval 21360569000 0 0
17 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Processing Fee received on Line of Credit 931000 As per Bank’s Policy/Omnibus Approval 931000 0 0
18 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Bank Charges 1620000 As per Bank’s Policy/Omnibus Approval 1620000 263000 308000
19 Punjab National Bank PNB Gilts Ltd. Subsidiary Interest received 16060000 As per Bank’s Policy/Omnibus Approval 16060000 748000 1269000
20 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Power Fuel & Water Charges 1490000 As per Bank’s Policy/Omnibus Approval 1490000 0 0
21 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Royalty Fee 8190000 As per Bank’s Policy/Omnibus Approval 8190000 0 0
22 Punjab National Bank PNB Investment Services Ltd Subsidiary Interest paid 17650000 As per Bank’s Policy/Omnibus Approval 17650000 0 0
23 Punjab National Bank PNB Investment Services Ltd Subsidiary Any other transaction Rent Received 2288000 As per Bank’s Policy/Omnibus Approval 2288000 0 0
24 Punjab National Bank PNB Cards and Services Limited Subsidiary Interest paid 6300000 As per Bank’s Policy/Omnibus Approval 6300000 0 0
25 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Rent Received 2400000 As per Bank’s Policy/Omnibus Approval 2400000 0 0
26 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Payment for Business Support Services 236100000 As per Bank’s Policy/Omnibus Approval 236100000 0 0
27 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Royalty 700000 As per Bank’s Policy/Omnibus Approval 700000 0 0
28 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction IT Charges 10800000 As per Bank’s Policy/Omnibus Approval 10800000 0 0
29 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Interest received 331600000 As per Bank’s Policy/Omnibus Approval 331600000 0 0
30 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Rent Received 1600000 As per Bank’s Policy/Omnibus Approval 1600000 0 0
31 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Inter Bank Placement 6384600000 As per Bank’s Policy/Omnibus Approval 6384600000 0 0
32 Punjab National Bank Punjab National Bank (International) Ltd. Subsidiary Any other transaction Forex Deals 1177600000 As per Bank’s Policy/Omnibus Approval 1177600000 0 0
33 Punjab National Bank Druk PNB Bank Ltd Subsidiary Any other transaction Bank Charges 3100000 As per Bank’s Policy/Omnibus Approval 3100000 0 0
34 Punjab National Bank Druk PNB Bank Ltd Subsidiary Any other transaction Other income 2800000 As per Bank’s Policy/Omnibus Approval 2800000 0 0
35 Punjab National Bank Canara HSBC Life Insurance Co. Ltd. Associate Any other transaction Commission 109900000 As per Bank’s Policy/Omnibus Approval 109900000 0 0
36 Punjab National Bank Canara HSBC Life Insurance Co. Ltd. Associate Any other transaction Other Charges 210000 As per Bank’s Policy/Omnibus Approval 210000 0 0
37 Punjab National Bank Canara HSBC Life Insurance Co. Ltd. Associate Any other transaction Outstanding Receivables (including Commission) 25120000 As per Bank’s Policy/Omnibus Approval 25120000 19130000 25120000
38 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Bank Charges 3700000 As per Bank’s Policy/Omnibus Approval 3700000 0 0
39 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Interest paid 7700000 As per Bank’s Policy/Omnibus Approval 7700000 1466000 1600000
40 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Commission 1704000000 As per Bank’s Policy/Omnibus Approval 1704000000 350439000 536300000
41 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Premium 353300000 As per Bank’s Policy/Omnibus Approval 353300000 0 0
42 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Insurance Claims Settled 200200000 As per Bank’s Policy/Omnibus Approval 200200000 0 0
43 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Interest received 40700000 As per Bank’s Policy/Omnibus Approval 40700000 0 0
44 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Royalty Charges 78900000 As per Bank’s Policy/Omnibus Approval 78900000 33694000 104700000
45 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Rewards to Intermediaries 210700000 As per Bank’s Policy/Omnibus Approval 210700000 0 0
46 Punjab National Bank PNB Metlife India Insurance Co. Ltd. Associate Any other transaction Sale of Securities by Associate 705500000 As per Bank’s Policy/Omnibus Approval 705500000 0 0
47 Punjab National Bank PNB Housing Finance Ltd Associate Interest received 1841200000 As per Bank’s Policy/Omnibus Approval 1841200000 0 0
48 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Principal on assignment of loans 2686200000 As per Bank’s Policy/Omnibus Approval 2686200000 0 0
49 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Interest and other charges on assignment of loans 1092600000 As per Bank’s Policy/Omnibus Approval 1092600000 0 0
50 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Servicing Fee on assignment of loans 15800000 As per Bank’s Policy/Omnibus Approval 15800000 0 0
51 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Royalty Charges 149600000 As per Bank’s Policy/Omnibus Approval 149600000 0 0
52 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Rent and Maintenance expenses 800000 As per Bank’s Policy/Omnibus Approval 800000 0 0
53 Punjab National Bank PNB Housing Finance Ltd Associate Any other transaction Bank Charges 2100000 As per Bank’s Policy/Omnibus Approval 2100000 0 0
54 Punjab National Bank Everest Bank Ltd Associate Any other transaction Counter Guarantee 433900000 As per Bank’s Policy/Omnibus Approval 433900000 127100000 433900000
55 Punjab National Bank Dakshin Bihar Gramin Bank Associate Any other transaction Term Deposits 6450000000 As per Bank’s Policy/Omnibus Approval 6450000000 0 0
56 Punjab National Bank Dakshin Bihar Gramin Bank Associate Interest received 69125000 As per Bank’s Policy/Omnibus Approval 69125000 0 0
57 Punjab National Bank Dakshin Bihar Gramin Bank Associate Interest paid 498131000 As per Bank’s Policy/Omnibus Approval 498131000 0 0
58 Punjab National Bank Dakshin Bihar Gramin Bank Associate Any other transaction Bank Charges 22758000 As per Bank’s Policy/Omnibus Approval 22758000 0 0
59 Punjab National Bank Sarva Haryana Gramin Bank Associate Interest paid 632287000 As per Bank’s Policy/Omnibus Approval 632287000 0 0
60 Punjab National Bank Sarva Haryana Gramin Bank Associate Interest received 7125000 As per Bank’s Policy/Omnibus Approval 7125000 0 0
61 Punjab National Bank Sarva Haryana Gramin Bank Associate Any other transaction Bank Charges 22782000 As per Bank’s Policy/Omnibus Approval 22782000 0 0
62 Punjab National Bank Sarva Haryana Gramin Bank Associate Any other transaction Term Deposits 10000000000 As per Bank’s Policy/Omnibus Approval 10000000000 0 0
63 Punjab National Bank Punjab Gramin Bank Associate Interest received 58478000 As per Bank’s Policy/Omnibus Approval 58478000 0 0
64 Punjab National Bank Punjab Gramin Bank Associate Any other transaction Bank Charges 9756000 As per Bank’s Policy/Omnibus Approval 9756000 0 0
65 Punjab National Bank Punjab Gramin Bank Associate Any other transaction Term Deposits 3955000000 As per Bank’s Policy/Omnibus Approval 3955000000 0 0
66 Punjab National Bank Assam Gramin Vikash Bank Associate Interest paid 78962000 As per Bank’s Policy/Omnibus Approval 78962000 0 0
67 Punjab National Bank Assam Gramin Vikash Bank Associate Interest received 38638000 As per Bank’s Policy/Omnibus Approval 38638000 0 0
68 Punjab National Bank Bangiya Gramin Vikash Bank Associate Any other transaction Term Deposits 620000000 As per Bank’s Policy/Omnibus Approval 620000000 0 0
69 Punjab National Bank Bangiya Gramin Vikash Bank Associate Interest paid 66592000 As per Bank’s Policy/Omnibus Approval 66592000 0 0
70 Punjab National Bank Himachal Pradesh Gramin Bank Associate Interest received 12156000 As per Bank’s Policy/Omnibus Approval 12156000 0 0
71 Punjab National Bank Himachal Pradesh Gramin Bank Associate Any other transaction Term Deposits 2250000000 As per Bank’s Policy/Omnibus Approval 2250000000 0 0
72 Punjab National Bank Manipur Rural Bank Associate Any other transaction Term Deposits 2432982000 As per Bank’s Policy/Omnibus Approval 2432982000 0 0
73 Punjab National Bank Manipur Rural Bank Associate Interest received 995000 As per Bank’s Policy/Omnibus Approval 995000 0 0
74 Punjab National Bank Manipur Rural Bank Associate Interest paid 13629000 As per Bank’s Policy/Omnibus Approval 13629000 0 0
75 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Term Deposits 18500400000 As per Bank’s Policy/Omnibus Approval 18500400000 0 0
76 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Bank Charges 21798000 As per Bank’s Policy/Omnibus Approval 21798000 0 0
77 Punjab National Bank Prathama UP Gramin Bank Associate Any other transaction Other Charges 1116000 As per Bank’s Policy/Omnibus Approval 1116000 0 0
78 Punjab National Bank Prathama UP Gramin Bank Associate Interest received 20070000 As per Bank’s Policy/Omnibus Approval 20070000 0 0
79 Punjab National Bank PNB Centenary Rural Development Trust Associate Any other transaction Amount Sanctioned to PNBCRDT for RSETIs 260000000 As per Bank’s Policy/Omnibus Approval 260000000 0 0
80 Punjab National Bank PNB Farmers Welfare Trust Associate Any other transaction Amount Sanctioned to PNBFWT for FTCs (Farmers Training Centers) for Farmers’ Welfare 41500000 As per Bank’s Policy/Omnibus Approval 41500000 0 0
81 PNB Gilts Ltd. Assam Gramin Vikash Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 638170000 0 0
82 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Associate of PNB Any other transaction Securities Purchase/Subscription 0 NA 2576622000 0 0
83 PNB Gilts Ltd. Dakshin Bihar Gramin Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 730274000 0 0
84 PNB Gilts Ltd. Himachal Pradesh Gramin Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 556925000 0 0
85 PNB Gilts Ltd. Prathama UP Gramin Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 203020000 0 0
86 PNB Gilts Ltd. Punjab Gramin Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 852613000 0 0
87 PNB Gilts Ltd. Sarva Haryana Gramin Bank Assciate of PNB Any other transaction Securities Purchase/Subscription 0 NA 1930075000 0 0
88 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Assciate of PNB Any other transaction Securities Sale/Redemption 0 NA 151920000 0 0
89 PNB Gilts Ltd. Dakshin Bihar Gramin Bank Assciate of PNB Any other transaction Securities Sale/Redemption 0 NA 2536737000 0 0
90 PNB Gilts Ltd. PNB Metlife India Insurance Co. Ltd. Assciate of PNB Any other transaction Securities Sale/Redemption 0 NA 1005240000 0 0
91 PNB Gilts Ltd. Punjab Gramin Bank Assciate of PNB Any other transaction Securities Sale/Redemption 0 NA 1116637000 0 0
92 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Assciate of PNB Any other transaction Borrowing of Call, Notice & Term Money 0 NA 24810000000 0 0
93 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Assciate of PNB Any other transaction Interest on Borrowing of Call, Notice & Term Money 0 NA 22818000 0 0
94 PNB Gilts Ltd. Assam Gramin Vikash Bank Assciate of PNB Any other transaction Fee Income 0 NA 52000 0 0
95 PNB Gilts Ltd. Bangiya Gramin Vikash Bank Assciate of PNB Any other transaction Fee Income 0 NA 103000 0 0
96 PNB Gilts Ltd. Dakshin Bihar Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 103000 0 0
97 PNB Gilts Ltd. Himachal Pradesh Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 154000 0 0
98 PNB Gilts Ltd. Manipur Rural Bank Assciate of PNB Any other transaction Fee Income 0 NA 3000 0 0
99 PNB Gilts Ltd. PNB Housing Finance Limited Assciate of PNB Any other transaction Fee Income 0 NA 17000 0 0
100 PNB Gilts Ltd. Prathama UP Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 109000 0 0
101 PNB Gilts Ltd. Punjab Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 167000 0 0
102 PNB Gilts Ltd. Sarva Haryana Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 150000 0 0
103 PNB Gilts Ltd. Tripura Gramin Bank Assciate of PNB Any other transaction Fee Income 0 NA 142000 0 0
104 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Term Deposits 2000000000 NA 2000000000 0 0
105 Punjab National Bank PNB Gilts Ltd. Subsidiary Any other transaction Interest accrued on term deposits 2973000 NA 2973000 0 0
106 Punjab National Bank PNB Cards and Services Limited Subsidiary Any other transaction Terms Deposits 44000000 NA 44000000 0 0
107 Punjab National Bank Canara HSBC Life Insurance Co. Ltd. Associate Any other transaction Sale of Investments - Deposits, Debt and money Market Instruments 419480000 NA 419480000 0 0
Total value of transaction during the reporting period 124953836000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 799784000
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 8377671000