PNB Share Price in Focus; Bank Eyes Organic Expansion in Southern Markets

Punjab National Bank has outlined its strategic focus on organic growth in India’s southern markets while confirming that no acquisition proposals are currently under consideration.

The bank also provided updates on credit and deposit growth, asset quality outlook, and recovery expectations, alongside commentary on external risk exposure.

No Acquisition Plans Under Consideration

Punjab National Bank’s Managing Director and Chief Executive Officer, Ashok Chandra, stated that the lender is pursuing organic growth in southern states, as per The Times of India report.

He clarified that there have been no discussions or decisions at either board or government level regarding any potential acquisitions.

Credit and Deposit Growth Guidance

The bank indicated that its credit growth remains aligned with its annual guidance. Credit growth currently stands close to the projected range, while deposit growth is slightly below guidance levels. Management noted that deposit expansion has been moderated to maintain a balanced credit-deposit ratio.

Margin and Funding Strategy

PNB expects its net interest margin to improve in the coming quarters. The bank also plans to explore refinancing options through SIDBI and raise funds by leveraging surplus statutory liquidity ratio holdings to support its funding requirements.

Asset Quality and Recovery Outlook

The lender expects gross non-performing assets to decline further in the March quarter compared with the December quarter. It also aims to achieve higher recovery amounts in the current quarter, building on the progress recorded in the previous period.

Limited Exposure to External Trade Risks

Management stated that the bank’s exposure to export-linked loans remains limited, and no immediate stress has been observed from recent international tariff-related developments.

PNB Share Price Performance

Punjab National Bank’s share price was trading at ₹125.83 as of 20 January 2026 at 10:29 AM, reflecting a decline of ₹2.22 or 1.73% compared to the previous close. The stock had opened at ₹127.90 and touched a high of ₹130.35 during the session, while the day’s low stood at ₹125.53

Read More: PNB Q3 FY26 Earnings Results: Net Profit Rises 13% to ₹5,100 Crore and GNPA Falls to 3.19%.

Conclusion

Punjab National Bank continues to prioritise measured balance sheet growth and improving asset quality while focusing on organic regional expansion. Its current strategy reflects a cautious approach to acquisitions, controlled funding plans, and steady operational execution in the near term.

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