Punjab National Bank (NSE:PNB) Net Loan: ₹12,545,118 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:PNB Punjab National Bank NSE:PNB
68 GF Score
Price ₹115.61
GF Value ₹108.04
Valuation Fairly Valued
! 4 Warning Signs
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What is Punjab National Bank Net Loan?

Punjab National Bank NSE:PNB -0.34% 68 Net Loan is ₹12,545,118 Mil as of Jun. 2026. GuruFocus rates NSE:PNB with a GF Score™ of 68/100 and a GF Value™ of ₹108.04 (Fairly Valued). The stock has 4 warning signs investors should review.

Punjab National Bank's quarterly net loan increased from Dec. 2025 (₹12,074,250 Mil) to Mar. 2026 (₹12,286,153 Mil) and increased from Mar. 2026 (₹12,286,153 Mil) to Jun. 2026 (₹12,545,118 Mil).

Punjab National Bank's annual net loan increased from Mar. 2024 (₹9,361,636 Mil) to Mar. 2025 (₹12,286,153 Mil) and increased from Mar. 2025 (₹12,286,153 Mil) to Mar. 2026 (₹12,545,118 Mil).

Punjab National Bank Net Loan Historical Data

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The historical data trend for Punjab National Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Punjab National Bank Net Loan Chart

Punjab National Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7,324,567.90 8,338,787.10 9,361,635.90 10,802,879.00 12,286,153.10

Punjab National Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11,013,238.10 11,444,483.30 12,074,249.50 12,286,153.10 12,545,117.70
NSE:PNB
68GF Score
Punjab National Bank NSE:PNB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Punjab National Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₹12,545,118 Mil mean?
Punjab National Bank (NSE:PNB) has a Net Loan of ₹12,545,118 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Punjab National Bank and its competitors.
Is Punjab National Bank's Net Loan too high?
Punjab National Bank's current Net Loan is ₹12,545,118 Mil. Overall, Punjab National Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Punjab National Bank's Net Loan compare to competitors?
Punjab National Bank's Net Loan of ₹12,545,118 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Punjab National Bank and its competitors. Punjab National Bank's current Net Loan is ₹12,545,118 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab National Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab National Bank (NSE:PNB) is currently considered Fairly Valued. The stock's GF Value™ is ₹108.04, compared to a current price of ₹115.61 — trading 7% above its estimated fair value. The current Net Loan is ₹12,545,118 Mil. Punjab National Bank's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Punjab National Bank (NSE:PNB), the current Net Loan is ₹12,545,118 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Punjab National Bank (NSE:PNB) Overvalued in 2026?

Based on GuruFocus' analysis, Punjab National Bank stock appears to be overvalued. The current stock price of ₹115.61 is trading 7% above its estimated GF Value™ of ₹108.04. GuruFocus considers Punjab National Bank to be Fairly Valued.

Key valuation signals for NSE:PNB:

  • Net Loan: ₹12,545,118 Mil
  • GF Value™: ₹108.04 vs. price of ₹115.61 (7% above fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the NSE:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Punjab National Bank Business Description

Other Exchanges 532461:India
Address Plot No. 4, Sector 10, Sector - 10, Dwarka, New Delhi, IND, 110075
Punjab National Bank is an Indian public sector bank. It provides all banking products and financial services including acceptance of various kinds of deposits like savings, term, current, recurring deposits etc. and credit financing. Its banking operations cater to individuals, corporates, farmers, government entities, start-ups, MSMEs, and other constituents, offering comprehensive Product offering and services. Its primary segments are Treasury, Retail Banking, Corporate / Wholesale Banking, and Other Banking Operations. The bank generates majority of revenue from Corporate / Wholesale Banking includes all advances which are not included under Retail Banking. Secondary segments are Domestic operations, and Foreign Operations. It generates majority of income from Domestic operations.
68GF Score

Get the complete analysis for NSE:PNB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹115.61
Price
₹108.04
GF Value