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Public Sector Banks: Q1 FY27 results (April-June 2026)
12 companies have declared Public Sector Banks Q1 FY27 results so far, the latest on 7 Aug 2026.
For the 12 banks, net interest income grew +12.3% and net profit +21.2%.
92% of companies grew net profit; 33% beat their own profit trend and 25% fell short of it.
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Public Sector Banks Q1 FY27 scoreboard
Grew profit
92%
0 turnarounds, 0 into loss
Vs own profit trend
33% / 25%
above / below, 42% in line
Banks: NII growth
+12.3%
12 banks; profit +21.2%
Price since results
-6.6%
median; 33% of 12 stocks up
Latest Public Sector Banks Q1 FY27 results 12
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M Cap ₹8,85,309 Cr
P/E 10.0
PEG 0.71
Since results -13.2%
Gross NPA down 36 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+13.8% +5.6%
53,993 51,127 47,463
Other income
+6.2% -12.4%
43,821 49,999 41,263
Operating profit (pre-provision)
— —
38,632 — —
Provisions
— —
5,748 — —
Net profit
+11.1% +19.9%
24,579 20,508 22,121
EPS (₹)
+9.9% +22.7%
26.12 21.28 23.76
Cost-to-income %
— —
60.5% — —
Gross NPA %
-36 bps -2 bps
1.5% 1.5% 1.8%
Net NPA %
-9 bps -1 bps
0.4% 0.4% 0.5%
Where profit came from
Pre-provision profit ₹38,632 Cr; provisions ₹5,748 Cr.
Net profit +11.1% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹49,917 ₹53,993
+8.2% above
Net profit ₹23,940 ₹24,579
+2.7% in line
AI read of the filing Rs 21,121 Cr Standalone PAT: SBI reports 10.2% YoY profit growth; GNPA improves to 1.47% Positive
Standalone Net Profit grew 10.2% YoY to Rs 21,121.22 Cr in Q1 FY27. Gross NPA ratio improved to 1.47% from 1.83% in the year-ago period. Net NPA ratio declined to 0.38% compared to 0.47% in June 2025.
Full analysis →
M Cap ₹1,08,476 Cr
P/E 5.5
PEG 0.30
Since results -6.1%
Gross NPA down 112 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+7.2% +4.1%
10,220 9,815 9,531
Other income
-32.1% +43.4%
6,739 4,700 9,919
Operating profit (pre-provision)
-0.2% —
8,647 — 8,667
Provisions
-11.8% —
2,080 — 2,359
Net profit
+7.1% +13.2%
5,181 4,575 4,836
EPS (₹)
+62.2% +13.3%
5.71 5.04 3.52
Cost-to-income %
-643 bps —
49.0% — 55.4%
Gross NPA %
-112 bps -27 bps
1.6% 1.8% 2.7%
Net NPA %
-27 bps -7 bps
0.4% 0.4% 0.6%
Where profit came from
Pre-provision profit ₹8,647 Cr (-0.2% YoY); provisions ₹2,080 Cr (-11.8% YoY).
Net profit +7.1% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹9,418 ₹10,220
+8.5% above
Net profit ₹5,735 ₹5,181
-9.7% in line
AI read of the filing ₹4,856 C r S t a n d a l o n e P A T ; C a n a r a B a n k Q 1 G r o s s N P A I m p r o v e s t o 1 . 5 7 % P o s i t i v e
S t a n d a l o n e n e t p r o f i t i n c r e a s e d t o ₹ 4 , 8 5 5 . 8 2 C r f r o m ₹ 4 , 7 5 2 . 0 3 C r i n t h e p r e v i o u s y e a r ' s q u a r t e r . G r o s s N o n - P e r f o r m i n g A s s e t s ( G N P A ) r a t i o i m p r o v e d t o 1 . 5 7 % v s 2 . 6 9 % Y o Y . N e t N o n - P e r f o r m i n g A s s e t s ( N N P A ) r a t i o d e c l i n e d t o 0 . 3 6 % v s 0 . 6 3 % Y o Y .
Full analysis →
M Cap ₹1,21,941 Cr
P/E 6.7
PEG 0.67
Since results -5.1%
Profit -49% below its own trend Gross NPA down 29 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+10.0% +0.5%
13,813 13,738 12,560
Other income
+12.0% +13.3%
6,202 5,474 5,538
Operating profit (pre-provision)
+23.3% —
10,584 — 8,586
Provisions
-21.0% —
2,698 — 3,416
Net profit
-48.6% -69.6%
1,783 5,872 3,469
EPS (₹)
-48.6% -69.3%
3.45 11.22 6.71
Cost-to-income %
-544 bps —
47.1% — 52.6%
Gross NPA %
-29 bps +10 bps
2.0% 1.9% 2.3%
Net NPA %
-10 bps +5 bps
0.5% 0.5% 0.6%
Where profit came from
Pre-provision profit ₹10,584 Cr (+23.3% YoY); provisions ₹2,698 Cr (-21.0% YoY).
Net profit -48.6% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹13,108 ₹13,813
+5.4% above
Net profit ₹3,474 ₹1,783
-48.7% below
AI read of the filing Bank of Baroda Q1 FY27 Net Profit at ₹1,278 Cr; Impacted by ₹5,680 Cr Exceptional Item Negative
Net Profit dropped to ₹1,278.39 Cr, down approximately 71.8% YoY from ₹4,541.36 Cr. Recognized a significant one-time exceptional item of ₹5,680.23 Cr during the quarter. Gross NPA ratio increased to 1.99% from 1.89% in the previous quarter (March 2026).
Full analysis →
M Cap ₹61,215 Cr
P/E 5.2
PEG 0.12
Since results -7.1%
Profit +69% above its own trend Gross NPA down 111 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+12.9% +2.3%
6,941 6,788 6,146
Other income
+54.6% -20.3%
2,615 3,280 1,692
Operating profit (pre-provision)
— —
5,138 — —
Provisions
— —
971 — —
Net profit
+80.4% +6.9%
3,303 3,089 1,831
EPS (₹)
+80.3% +6.9%
7.25 6.78 4.02
Cost-to-income %
— —
46.2% — —
Gross NPA %
-111 bps -17 bps
1.8% 2.0% 2.9%
Net NPA %
-24 bps -5 bps
0.5% 0.6% 0.8%
Where profit came from
Pre-provision profit ₹5,138 Cr; provisions ₹971 Cr.
Net profit +80.4% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹6,308 ₹6,941
+10.0% above
Net profit ₹1,950 ₹3,303
+69.3% above
AI read of the filing 80.5% YoY Consolidated PAT Growth to ₹3,303 Cr; GNPA Improves to 1.81% Positive
Consolidated Net Profit increased 80.5% YoY to ₹3,302.58 Cr from ₹1,829.56 Cr. Gross NPA ratio improved by 111 bps YoY to 1.81% compared to 2.92% in June 2025. Net NPA ratio declined to 0.51% from 0.75% in the same quarter last year.
Full analysis →
M Cap ₹29,154 Cr
P/E 10.4
PEG 0.74
Since results -13.0%
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+16.8% +7.4%
2,808 2,614 2,403
Other income
+69.1% +137.8%
1,686 709 997
Operating profit (pre-provision)
+79.9% —
2,810 — 1,562
Provisions
-61.9% —
235 — 616
Net profit
+8.0% -18.1%
656 801 607
Cost-to-income %
-1656 bps —
37.5% — 54.1%
Where profit came from
Pre-provision profit ₹2,810 Cr (+79.9% YoY); provisions ₹235 Cr (-61.9% YoY).
Net profit +8.0% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹2,604 ₹2,808
+7.8% above
Net profit ₹686 ₹656
-4.4% in line
AI read of the filing UCO Bank Q1 FY27: Net Profit Up 8% to ₹656 Cr; Advances Grow 21% YoY Positive
Global Advances grew 21.18% YoY to ₹2,72,768 Cr, significantly higher than the 12-14% guidance range. Asset quality improved with GNPA at 2.08% (down 55 bps YoY) and NNPA at 0.25% (down 20 bps YoY). Operating Profit surged 79.84% YoY to ₹2,810 Cr, while Net Interest Income rose 16.86% to ₹2,808 Cr.
Full analysis →
M Cap ₹58,887 Cr
P/E 9.9
PEG 0.27
Since results -10.3%
Profit -10% below its own trend Profit growth came mainly from lower provisions (pre-provision profit +14%) Gross NPA down 64 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+34.2% +6.3%
3,688 3,470 2,748
Other income
+45.9% +67.3%
2,160 1,291 1,480
Operating profit (pre-provision)
+14.2% —
2,693 — 2,359
Provisions
-1.2% —
834 — 844
Net profit
+45.6% +10.3%
1,716 1,556 1,178
EPS (₹)
+45.9% +9.9%
0.89 0.81 0.61
Cost-to-income %
+972 bps —
53.9% — 44.2%
Gross NPA %
-64 bps -9 bps
1.3% 1.4% 2.0%
Net NPA %
-14 bps -3 bps
0.2% 0.2% 0.3%
Where profit came from
Pre-provision profit ₹2,693 Cr (+14.2% YoY); provisions ₹834 Cr (-1.2% YoY).
Net profit +45.6% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹3,169 ₹3,688
+16.4% above
Net profit ₹1,912 ₹1,716
-10.2% below
M Cap ₹14,908 Cr
P/E 10.8
PEG —
Since results -15.7%
Profit growth came mainly from lower provisions (pre-provision profit +1%) Gross NPA down 113 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+15.4% +6.5%
1,039 975 900
Other income
-29.1% -22.2%
332 427 469
Operating profit (pre-provision)
+1.0% —
545 — 540
Provisions
-56.7% —
94.0 — 217
Net profit
+23.2% -21.4%
332 422 269
EPS (₹)
+23.7% -20.3%
0.47 0.59 0.38
Cost-to-income %
-34 bps —
60.2% — 60.6%
Gross NPA %
-113 bps -19 bps
2.2% 2.4% 3.3%
Net NPA %
-26 bps -14 bps
0.7% 0.8% 0.9%
Where profit came from
Pre-provision profit ₹545 Cr (+1.0% YoY); provisions ₹94.0 Cr (-56.7% YoY).
Net profit +23.2% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹950 ₹1,039
+9.4% above
Net profit ₹347 ₹332
-4.5% in line
AI read of the filing Rs 331.51 Cr Q1 PAT; Punjab & Sind Bank Reports 23% YoY Profit Growth and Improved Asset Quality Positive
Net Profit grew 23.2% YoY to Rs 331.51 Cr for the quarter ended June 30, 2026. Gross NPA ratio improved to 2.21% from 3.34% in the same quarter last year. Provisions (other than tax) and contingencies dropped sharply to Rs 93.99 Cr from Rs 217.44 Cr YoY.
Full analysis →
M Cap ₹1,34,444 Cr
P/E 6.1
PEG 0.08
Since results +8.7%
Profit +144% above its own trend Gross NPA down 100 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+2.4% +4.0%
11,006 10,579 10,744
Other income
-19.6% +7.0%
4,365 4,080 5,427
Operating profit (pre-provision)
— —
7,663 — —
Provisions
— —
555 — —
Net profit
+168.3% +3.8%
5,815 5,602 2,167
EPS (₹)
+175.0% +3.9%
5.06 4.87 1.84
Cost-to-income %
— —
50.1% — —
Gross NPA %
-100 bps -17 bps
2.8% 3.0% 3.8%
Net NPA %
-10 bps -1 bps
0.3% 0.3% 0.4%
Where profit came from
Pre-provision profit ₹7,663 Cr; provisions ₹555 Cr.
Net profit +168.3% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹10,593 ₹11,006
+3.9% in line
Net profit ₹2,382 ₹5,815
+144.1% above
AI read of the filing Rs 5,253 Cr Net Profit: PNB Q1 FY27 Profit jumps 213% YoY; Gross NPA falls to 2.78% Positive
Standalone Net Profit increased by 213.6% YoY to Rs 5,253.29 Cr from Rs 1,675.00 Cr. Gross NPA ratio improved to 2.78% compared to 3.78% in Q1 FY26 and 2.95% in Q4 FY26. Provisions and contingencies (excluding tax) dropped sharply by 67.1% YoY to Rs 1,301.50 Cr.
Full analysis →
M Cap ₹27,245 Cr
P/E 6.0
PEG 0.15
Since results -7.9%
Profit -22% below its own trend Gross NPA down 53 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+15.6% -2.2%
3,932 4,021 3,402
Other income
-44.7% -14.9%
988 1,161 1,787
Operating profit (pre-provision)
-5.1% —
2,196 — 2,315
Provisions
-22.5% —
405 — 522
Net profit
+3.2% +76.9%
1,323 748 1,282
EPS (₹)
+2.8% +78.0%
1.46 0.82 1.42
Cost-to-income %
-1 bps —
55.4% — 55.4%
Gross NPA %
-53 bps -6 bps
2.6% 2.7% 3.1%
Net NPA %
+1 bps +1 bps
0.5% 0.5% 0.5%
Where profit came from
Pre-provision profit ₹2,196 Cr (-5.1% YoY); provisions ₹405 Cr (-22.5% YoY).
Net profit +3.2% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹3,319 ₹3,932
+18.5% above
Net profit ₹1,694 ₹1,323
-21.9% below
AI read of the filing Central Bank of India Q1 FY27 Results: Net Deferred Tax Asset at Rs 1,624.36 Cr Neutral
Net Deferred Tax Asset (DTA) stood at Rs 1,624.36 Cr as of June 30, 2026 DTA decreased by Rs 907.02 Cr from the Rs 2,531.38 Cr reported in June 2025 Auditors issued an unmodified opinion for the standalone and consolidated results for Q1 FY27
Full analysis →
M Cap ₹1,32,107 Cr
P/E 6.4
PEG 0.20
Since results +0.1%
Profit +16% above its own trend Gross NPA down 87 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+10.6% +5.7%
10,221 9,671 9,244
Other income
+7.5% -12.8%
5,233 5,999 4,869
Operating profit (pre-provision)
+15.9% —
8,040 — 6,936
Provisions
-41.6% —
973 — 1,667
Net profit
+27.4% +2.5%
5,642 5,504 4,428
EPS (₹)
+27.4% +2.5%
7.39 7.21 5.80
Cost-to-income %
-288 bps —
48.0% — 50.9%
Gross NPA %
-87 bps -17 bps
2.6% 2.8% 3.5%
Net NPA %
-15 bps -1 bps
0.5% 0.5% 0.6%
Where profit came from
Pre-provision profit ₹8,040 Cr (+15.9% YoY); provisions ₹973 Cr (-41.6% YoY).
Net profit +27.4% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹9,161 ₹10,221
+11.6% above
Net profit ₹4,861 ₹5,642
+16.1% above
AI read of the filing Union Bank Q1 FY27: Net Profit up 29.5% YoY to ₹5,332 Cr; Gross NPA improves to 2.65% Positive
Standalone Net Profit increased 29.5% YoY to ₹5,332.30 Cr for the quarter ended June 30, 2026 Gross NPA ratio improved to 2.65% from 3.52% in June 2025 and 2.82% in March 2026 Net NPA ratio reached 0.47%, down from 0.62% in the year-ago period
Full analysis →
M Cap ₹63,963 Cr
P/E 8.5
PEG 0.22
Since results +0.6%
Gross NPA down 29 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+14.5% +1.8%
3,770 3,703 3,292
Other income
+24.7% +9.7%
1,029 938 825
Operating profit (pre-provision)
+21.3% —
3,118 — 2,570
Provisions
-3.1% —
840 — 867
Net profit
+34.3% -1.2%
2,021 2,045 1,504
EPS (₹)
+34.2% -1.1%
2.63 2.66 1.96
Cost-to-income %
-253 bps —
35.0% — 37.6%
Gross NPA %
-29 bps +0 bps
1.4% 1.4% 1.7%
Net NPA %
-5 bps +0 bps
0.1% 0.1% 0.2%
Where profit came from
Pre-provision profit ₹3,118 Cr (+21.3% YoY); provisions ₹840 Cr (-3.1% YoY).
Net profit +34.3% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹3,849 ₹3,770
-2.0% in line
Net profit ₹1,901 ₹2,021
+6.3% in line
AI read of the filing Bank of Maharashtra Q1 FY27: ₹250 Cr Provision Reversal Boosts Results Positive
Reversed ₹250 crore of COVID-19 contingency provisions during the quarter ended June 30, 2026 Maintains a remaining contingency provision buffer of ₹760 crore as of June 30, 2026 Audit review covered 54.25% of the bank's total advances portfolio through concurrent and statutory auditors
Full analysis →
M Cap ₹1,11,771 Cr
P/E 8.7
PEG 0.31
Since results +3.2%
Profit +37% above its own trend Provisions up 73% YoY Gross NPA down 115 bps YoY
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Net interest income
+16.9% +4.5%
7,438 7,116 6,361
Other income
+10.8% +4.7%
2,902 2,773 2,620
Operating profit (pre-provision)
+16.6% —
5,588 — 4,792
Provisions
+72.7% —
1,194 — 691
Net profit
+47.5% +5.8%
3,357 3,174 2,276
EPS (₹)
+47.5% +5.8%
24.92 23.56 16.90
Cost-to-income %
-68 bps —
46.0% — 46.6%
Gross NPA %
-115 bps -12 bps
1.9% 2.0% 3.0%
Net NPA %
-3 bps +0 bps
0.1% 0.1% 0.2%
Where profit came from
Pre-provision profit ₹5,588 Cr (+16.6% YoY); provisions ₹1,194 Cr (+72.7% YoY).
Net profit +47.5% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹6,787 ₹7,438
+9.6% above
Net profit ₹2,443 ₹3,357
+37.4% above
AI read of the filing ₹3,273 Cr Q1 Net Profit: Indian Bank Reports 10% YoY Growth; GNPA Improves to 1.86% Positive
Standalone Net Profit increased 10.1% YoY to ₹3,273.09 Cr in Q1 FY27 Gross NPA ratio improved significantly to 1.86% from 3.01% in Q1 FY26 Net NPA ratio remains stable and low at 0.15% as of June 30, 2026
Full analysis →
Standouts so far
Among companies with a market cap of ₹1,000 Cr or more, so a tiny base does not top the list. Price reaction: last close against the close before the filing.
Reporting in the next three days
HCL Technologies (Mon 12 Oct), ICICI Prudential (Mon 12 Oct), RBL Bank (Mon 12 Oct), Swan Defence (Mon 12 Oct), Gujarat State (Mon 12 Oct), Swaraj Engines (Mon 12 Oct), Plastiblends India (Mon 12 Oct), UMIYA BUILDCON (Mon 12 Oct), Alkali Metals (Mon 12 Oct), Gradiente Infotainment (Mon 12 Oct), Agri-Tech (India) (Mon 12 Oct), Abhishek Integrations (Mon 12 Oct), Rudra Ecovation (Mon 12 Oct), Newtrac Foods (Mon 12 Oct), Inani Securities (Mon 12 Oct), Neil Industries (Mon 12 Oct), Adroit Industries (Mon 12 Oct), TYPHOON (Mon 12 Oct), UNIVARTS (Mon 12 Oct), VERONICAPRO (Mon 12 Oct), ICICI Prudential (Tue 13 Oct), Tata Elxsi (Tue 13 Oct), Transformers And Rectifiers (Tue 13 Oct), Anand Rathi (Tue 13 Oct) and 87 more.
Full results calendar →
How to read this page
The numbers. Each card is one company's Q1 FY27 results as filed with NSE or BSE, read from the
filing within hours of its release, in ₹ crore. We show the consolidated statement, or the standalone one when
the consolidated figures are a copy of it or have no year-ago quarter to compare with. YoY compares with the same
quarter a year earlier and QoQ with the quarter before (the previous half-year for companies that report every six months).
A swing between profit and loss is described in words: a percentage across it would mislead.
Margins. Operating margin (OPM) is operating profit, before depreciation, interest and other income,
as a share of sales; PAT margin is net profit as a share of sales. Their changes are in basis points
(100 bps = 1 percentage point).
Quality of profit. Core profit is operating profit minus interest and depreciation: what the business
itself earned before tax. The rest of pre-tax profit is other income (interest on cash, dividends, gains on
investments) and exceptional or one-off items. We flag a quarter when that share is 25% or more,
and when reported profit grew much faster than core profit. For banks we compare pre-provision profit with net
profit, since a fall in provisions can lift profit without the business growing.
Against its own trend. We do not have analyst consensus estimates, and we do not make them up. Instead
each company is measured against the path it was on: the same quarter last year, grown at the median of its
last four year-on-year growth rates (held between −50% and +100%; at least two growth rates needed). Sales
5% or more above that, or net profit 10% or more above, is "above trend";
as far below is "below trend". It answers "was this quarter better or worse than the company's own recent
run?", which consensus does not.
Cash and debt. Profit is an accounting figure; cash is harder to dress up. For each company we show
its operating cash flow for the last financial year as a share of that year's net profit (flagged under
50%, or when it is negative despite a profit), and its borrowings at the latest balance sheet
against the one six months earlier (flagged at a 25% move). Balance sheets come with the
September and March results, cash-flow statements with the March results.
Price since results. The latest close against the last close before the filing (a filing after 3:30 pm
counts from the next session). It is a fact about the market's reaction, not advice.
Market cap groups. Large cap is the 100 largest companies by market value and mid cap the next 150
(SEBI's ranking); below that, small cap is ₹5,000 Cr or more, micro cap ₹500 Cr or more, nano cap below.
Data source Quarterly results filed by listed companies with NSE and BSE (Regulation 33 of SEBI LODR), read from each filing; share prices from the exchanges; market cap and P/E from our daily fundamentals snapshot.
Last updated 12 Oct 2026, 12:20 IST