Total income increased to ₹3,529 crore during the quarter under review against ₹3,269 crore in the same period last year, Punjab & Sind Bank said in a regulatory filing.
The interest income also rose to ₹3,042 crore compared with ₹2,931 crore in the year-ago period.
On the asset quality front, gross non-performing assets (NPAs) declined to 2.6% of the gross loans by the end of December 2025 from 3.8% a year earlier.
Similarly, net NPAs or bad loans came down to 0.7% from 1.3% at the end of the third quarter of the previous fiscal year. As a result provisions for the bad loans declined to ₹47 crore from ₹96 crore at the end of third quarter of the last fiscal year.
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The Provision Coverage Ratio (including technically written off) as on December 31, 2025, works out to 92.2% against 89.5% at the end of December 31, 2024.