BBA Project Report (The Study of Loan and Advances of Punjab and Sind Bank)

SUMMER TRAINING REPORT
On
“A STUDY ON MANAGEMENT OF LOANS AND ADVANCES “AT PUNJAB & SIND
BANK
AT PUNJAB & SIND BANK

Submitted in partial fulfillment of the requirements
For the award of the degree of
Bachelor of Business Administration (BBA)
To
Guru Gobind Singh Indraprastha University, Delhi
Submitted by
Student Name: Anju s Nair
Roll no:00220801717
Guide name: MS NAINA NARANG
Bhagwan Parshuram Institute of Technology

School of Business Administration
New Delhi -110089
Batch 2017 20
Certificate
I, Ms.Anju s Nair , Roll No. 00220801717 certify that the Summer Training Report (Paper
Code BBA 310) entitled “A STUDY ON MANAGEMENT OF LOANS AND ADVANCES”
is done by me and it is an authentic work carried out by me at PUNJAB & SIND BANK.
The matter embodied in this Report has not been submitted earlier for the award of any
degree or diploma to the best of my knowledge and belief.
Signature of the Student
Date:
1
2
ACKNOWLEGEMENT
No one can do this type of work alone. This formal piece of acknowledgement may not be
sufficient to express the feeling of gratitude and affection for those who were associated with the
project and without whose co-operation and guidance this project could not have been conducted
properly.
It is a matter of great pleasure for me in submitting the project report on “A STUDY ON
MANAGEMENT OF LOANS AND ADVANCES AT PUNJAB & SIND BANK
AT PUNJAB & SIND BANK” in the partial fulfillment of the requirement of my course from
“Bhagwan Parshuram Institute of Technology.”
I would like to thank honorable HOD Prof. (Dr.) Sundram Priyadarshnie for providing this
Opportunity.
I graciously thank MS NAINA NARANG Faculty of management, Bhagwan Parshuram Institute
of Technology for her nice guidance and proper direction while working for project. They have
been constant source of motivation.
I am thankful to all those people who has supported me directly or indirectly, and provided me
all the necessary information throughout this project report completed.
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CONTENTS
S No Topic Page No
1. Certificate (s) 1-2
2. Acknowledgement 3
3. List of Tables 5-6
4. List of Figures 6
5. Executive Summary 9-10
6. Chapter-1: Profile of the company 11-21
7. Chpater-2: SWOT Analysis of the company 22-26
8. Chapter-3: Data Presentation & Analysis 27-83

 Data Collection
 Data Presentation
 Data Analysis
9. Chapter-4: Summary and Conclusions 84-85

 Findings/Results
 Lessons Learnt
 Suggestions
10. Bibliography 86
11. Appendices 87
LIST OF TABLES
Table No Title Page No

1. Brand analysis between Punjab National Bank and Punjab 21-22
and Sind Bank
2. Yearly Results of Punjab & Sind Bank 26-27
3. Profit and loss statement of Punjab and Sind bank 27
4. Balance Sheet of Punjab & Sind Bank 28-29
5. Details on PSB Apna Ghar 30-32
4
6. Details on PSB Apna Ghar Top Up 33
7. Details on PSB Apna Vahan 33-34
8. Details on PSB Education Loan 34-36
9. Details on PSB Excellence-Education Loan 36
10. Details on PSB Skill Education Loan 36-37
11. Details on PSB Commercial Vehicle 37-39
12. Details on PSB Personal Loan 39-40
13. Details on PSB Doctors Special 40-43
14. Details on PSB Sukhmoney Scheme for Senior Citizens 43-45
15. Details on PSB SB OD 45-46
16. Details on PSB Mortgage 46-47
17. Details on PSB Vyapar 47-49
18. Details on PSB SME liquid Plus 49-51
19. Details on PSB Kisan Home Loan 51-53
20. Details on PSB Contractor Plus 53-55
21. Details on PSB Gold Loan 55-56
22. MCLR rates 56-57
23. Review of Base Rate & BPLR: 57
24. Rate of interest of PSB Apna Vahan 57
25. Rate of interest of PSB Education Loan 57
26. Rate of interest of PSB Skill Education Loan: 58
27. Rate of interest of PSB Personal Loans 58
28. Rate of interest of PSB Doctor Special 58
29. Rate of interest of PSB Sukhmoney 58
30. Retail Loan Processing Charges 59-61
31. Key Financial Ratios of Punjab & Sind Bank 75-76

32. Cash flow of Punjab & Sind Bank 85
33. Capital Structure of Punjab & Sind Bank 85
LIST OF FIGURES
Figure No Title Page No
1. Operational structure of Punjab and Sind 17
2. Graph of Profit Before Tax & Profit After Tax 62
3. Graph of Total Assets & Asset Turnover Ratio 63
4. Graph of Net Interest Income 64
5. Graph of Profit Before Tax 65
5
6. Graph of Profit After Tax 66
7. Graph of Net worth 67
8. Graph of Dividend 68
9. Graph of Book Value 69
10. Graph of Deposits & Advances 70
11. Graph of Capital Adequacy Ratio 71
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Executive Summary
The study is an indepth study of loans and advances procedure followed by the Punjab & Sind
Bank. Punjab & Sind Bank is a government-owned bank (79.62%), with headquarters in New
Delhi. Of its 1559 branches spread throughout India, 623 branches are in Punjab state. The
product range of the bank or services provided by the bank are: Saving bank account, Current
account, Term deposit account, Safe deposit lockers, Deposit schemes: Saving bank (SB),
Recurring deposit (RD), Fixed deposit,RTGS,NEFT,Credit cards, Debit cards, Smart cards, Gift
cards, Loans and Advances.
The main objective of the study is to analyze the Loans and Advances of Punjab & Sind Bank.
To conduct comparative study of the five years data of loans and advances and financial status of
Punjab & Sind Bank by using ratio analysis. Data have been collected through secondary
medium. Data analysis is done through – Use of ratio analysis, Bar graphs, Tabular
representation, Use of figures. After collecting the data, it was analyzed with the help of
Microsoft Excel and Microsoft Word software. Then the findings were made. Based on the
finding, the present situation was explained and recommendations were made.
The scope involves an in depth study of loans and advances procedure followed by the Punjab &
Sind Bank. It encompasses study of credit services and loan operations system of Punjab & Sind
Bank, product and services that have been offered by Punjab & Sind Bank.
Chapter 1 includes history of Punjab and Sind bank in detail, company’s vision and mission,
product range of the company, organization structure of the company, market share and position
of the company in the industry, nature of the organization, size (in terms of manpower &
turnover) of organization.
Chapter 2 comprises of literature review and SWOT analysis, strengths and weaknesses of the
company, opportunities and threats that the company faces, USPs that the company follows.
Chapter 3 encompasses data presentation and data analysis, detailed information about products
been offered by Punjab and Sind bank regarding loans and advances, ratio analysis and their
interpretations, graphical presentation of ratio analysis.
Chapter 4 includes findings of the study, learning experiences of the Punjab and Sind bank.At the
end, suggestions have been given, after a detailed study of the findings of the project.
Chapter-1
Profile of Punjab & Sind
Bank
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About the Punjab & Sind bank
 Type: Public
 Traded as BSE: 533295 NSE: PSB
 Founded : 24 June 1908; 110 years ago
 Owner : Government of India
 Punjab and Sind Bank (A Govt Of India Undertaking), S-16, Green Park Extension, New
Delhi, Delhi 110016
 Telephone on:.011-25768831, 25738372
 email : cmd@PSB.co.in
 Website : www.PSBindia.com
 Multinational bank
 Headquarters : Rajendra Place New Delhi, India
 Nature : Service
 Products : Finance, FOREX, Retail Banking
 Industry : Banking Financial services
 Number of employees : 9,403 (2016)
 Capital ratio : 10.91% (2016)
History of the PSB
It was in the year 1908, when a humble idea to uplift the poorest of poor of the land culminated
in the birth of Punjab & Sind Bank with the far-sighted vision of luminaries like Bhai Vir Singh,
Sir Sunder Singh Majitha and Sardar Tarlochan Singh. They enjoyed the highest respect with the
people of Punjab.
The bank was founded on the principle of social commitment to help the weaker section of the
society in their economic endeavors to raise their standard of life.
Decades have gone by, even today Punjab & Sind Bank stands committed to honor the social
commitments of the founding fathers.
Introduction
PSB is a Government Bank of India undertaking. This bank Is nationalized on 15th April, 1980.
This provides banking services to their customers like loan, lockers and other facilities. This
organization performs all financial activities. This operates the Banking and Finance sector.
8
The bank was founded on the principle of social commitment to help the weaker section of the
society in their economic endeavors to raise their standard of life and to strive to achieve
excellence in Customer Service.
Sales Analysis.
Punjab & Sind Bank reported sales of 85.30 billion Indian Rupees (US$1.22 billion) for the
fiscal year ending March of 2018. This represents a decrease of 2.5% versus 2017, when the
company's sales were 87.51 billion Indian Rupees. The sales level in 2018 was fairly close to the
level five years ago: in 2013, Punjab & Sind Bank had sales of 77.57 billion Indian Rupees.
Contributing to the drop in overall sales was the 7.4% decline in Retail Banking, from 21.13
billion Indian Rupees to 19.58 billion Indian Rupees. There were also decreases in sales in
Corporate/wholesale Banking (down 6.3% to 38.60 billion Indian Rupees) . However, these
declines were partially offset by the increase in sales of Treasury (up 7.7% to 27.10 billion Indian
Rupees)and Other Banking Operations (up 108.2% to 22.90 million Indian Rupees).
Vision & Mission Statement of the Bank.

CORPORATE VISION OF THE BANK:
To emerge as a techno savvy vibrant Public Sector Bank with Pan India presence aspiring to
meet expectations of all stake holders
The Mission Statement Of The Bank:
 To provide excellent customer service through innovative products and services for
different segments of customers using state of the art technology.
 To dedicate ourselves wholeheartedly for “Sarva Jana Hitai Sarva Jana Sukhai”.
BUSINESS FOCUS
Punjab and Sind Bank's mission is to be a World Class Indian Bank. The objective is to build
sound customer franchises across distinct businesses so as to be the preferred provider of
banking services for target retail and wholesale customer segments, and to achieve healthy
growth in profitability. The bank is committed to maintain the highest level of ethical standards,
professional integrity, corporate governance and regulatory compliance. Punjab and Sind Bank’s
business philosophy is based on five core values: Operational Excellence, Customer Focus,
Product Leadership, People and Sustainability.
SERVICE PROFILE
DEPOSITS
Different types of deposit accounts:

(a) Saving Bank account
(b) Term deposit account
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(c) Interest rate account
(d) Current account
(e) Recurring deposit account
(f) Lockers account
ADVANCES
•Base rate
•Priority sector
•Housing
•Consumer
•Conveyance
•Personal loan
•Education
•Debt restructuring
•Other loans
•FPC leading
SERVICES
On various services offered by Bank
 BBPS
 GST
 POS /BHARAT QR Code
 UPI (Unified Payment Interface)
 PSB BHIM Aadhaar Pay
 Internet Banking
 Mobile Banking Services
 USSD/NUUP
 ATM
 ECS
 RTGS
 NEFT
 Indo Nepal Remittances Facility Scheme
 NRI Services
Punjab and Sind Bank Branches
Punjab & Sind Bank is a government-owned bank (79.62%), with headquarters in New Delhi. Of
its 1466 branches spread throughout India, 623 branches are in Punjab state.
Total business of the bank was Rs. 1, 51,511 crores for the year ending 2014-15 and Business per
employee is Rs. 15.95 crore. The net worth of the bank as on 31.03.15 is Rs. 4812 crore.
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Punjab and Sind Bank Branches in Punjab
Branch Name: SHAM NAGAR DISTRICT AMRITSAR

Zone: AMRITSAR (RURAL)
Address: VPO SHAM NAGAR, BLOCK MAJITHA, DISTT. AMRITSAR143601, .
City: SHAMNAGAR
District: AMRITSAR
State: PUNJAB
Branch Name: BABA BAKALA

Address: BABA BAKALA, DISTT.AMRITSAR 143202, .
City: BABA BAKALA
District: AMRITSAR
State: PUNJAB
Branch Name: BHANGALI KALAN

Address: BHANGALI KALAN, DISTT. AMRITSAR-143601, .
City: BHANGALI KALAN
District: AMRITSAR
State: PUNJAB
Branch Name: LOHARKA KALAN

Address: Village Loharka Kalan Tehsil & Distt Amritsar, DISTT. AMRITSAR-143601, .
City: Loharka Kalan
District: AMRITSAR
State: PUNJAB
Branch Name: BUTTER KALAN

Address: BUTTER KALAN, DISTT. AMRITSAR-143205, .
City: BUTTER KALAN
District: AMRITSAR
State: PUNJAB
Punjab and Sind Bank Branches in Delhi
Branch Name IFSC Code

Punjab And Sind Bank Anand Vihar PSIB0000565
Punjab And Sind Bank Anand Vihar PSIB0001034
Punjab And Sind Bank Azadpur PSIB0000192
Punjab And Sind Bank Babarpur PSIB0000536
Punjab And Sind Bank Bikrikar Bhawan PSIB0000690
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Punjab And Sind Bank Central Processing Centre Back Office PSIB0009032
Punjab And Sind Bank Defence Colony PSIB0000250
Punjab And Sind Bank Delhi Adharshila Vidyapeeth Pitam PSIB0000755
Punjab And Sind Bank Delhi Chandni Chowk PSIB0000007
Punjab And Sind Bank Delhi Gujranwala Town PSIB0000295

Punjab And Sind Bank Delhi Roshanara Road PSIB0000301
Punjab And Sind Bank Green Park Extn PSIB0000040
Punjab And Sind Bank H Block PSIB0000013
Punjab And Sind Bank Heart & Lung Inst PSIB0001121
Punjab And Sind Bank Hemkunt Colony PSIB0000165
Punjab And Sind Bank Ibd PSIB0000484
Punjab And Sind Bank IFB PSIB0000717
Punjab And Sind Bank Janakpuri PSIB0000105
Punjab And Sind Bank Kailash Colony PSIB0000044
Punjab And Sind Bank Karol Bagh PSIB0000010
Punjab And Sind Bank Krishna Ngr PSIB0000338
Punjab And Sind Bank Madanpur Khadar PSIB0000336
Punjab And Sind Bank Maya Puri PSIB0000424
Punjab And Sind Bank N. Freinds Colony PSIB0000344
Punjab And Sind Bank N. Mansoravar Garden PSIB0000947
Punjab And Sind Bank N. Santpura PSIB0001027
Punjab And Sind Bank Nangloi PSIB0021180
Punjab And Sind Bank Naraina PSIB0000181
Punjab And Sind Bank Nehru Place PSIB0000388
Punjab And Sind Bank New Asaf Ali Road PSIB0000435
Punjab And Sind Bank New Ec Jankpuri PSIB0000963
Punjab And Sind Bank New Guru Gobind
Singh Indra PSIB0001098
Punjab And Sind Bank New Jangpura Extension PSIB0000323
Punjab And Sind Bank Safdarjung Enclave PSIB0000478

Punjab And Sind Bank Shalimar Bagh PSIB0000759
Punjab And Sind Bank Sidharatha Enclave PSIB0000612
Punjab And Sind Bank Tilak Nagar PSIB0000038
Punjab And Sind Bank Uttam Nagar PSIB0000373
Punjab And Sind Bank Vikas Puri PSIB0000927
Punjab And Sind Bank West Patel Nagar PSIB0000054
Punjab And Sind Bank Branches In Patna
Punjab & Sind Bank

Public Sector Bank
Patna, Bihar
0612 267 4978
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Punjab & Sind Bank
Public Sector Bank
Patna, Bihar
1800 22 1908
Punjab & Sind Bank ATM

ATM
Patna, Bihar
1800 22 1908
Punjab & Sind Bank Branches in Jaipur
JAIPUR STATION ROAD

Branch Code: J0135
12 PARK STREET, STATION ROAD JAIPUR - 302 006, .
IFSC: PSIB0000135
MICR: 302023002
Ph: 0141-2366121/2360057
Mail: j0135@psb.co.in
LBS,Collage, JAIPUR
Branch Code: J0607
441-A, Near Dolphin School,Gali No-4, Raja Park, JAIPUR, .
RAJASTHAN
IFSC Code: PSIB0000607
MICR: 302023003
Ph: 0141-2621150/2624714
JAIPUR, RAYON INTERNATIONAL SCHOOL

Branch Code: J0870
RAYON INTERNATIONAL SCHOOL, PADAMAWATI COLONEY - II, JAIPUR-302001,
RAJASTHAN
IFSC: PSIB0000870
MICR: 302023004
Ph: 0141-2390922
JAIPUR, VAISHALI NAGAR

Branch Code: J0871
B55 GAUTAM MARG, HANUMAN NAGAR, VAISHALI NAGAR, JAIPUR - 302 021, .
RAJASTHAN
IFSC: PSIB0000871
MICR: 302023005
Ph: 0141-2353634
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SPECIALIZED RETAIL LENDING BRANCH JAIPUR

Branch Code: J1405
Specialized Retail Lending Branch, 30-31, Mohan Tower, Prince Tower, Vidhyut Nagar, Tehsil
Sanganer, Distt. Jaipur, Rajasthan - 302 021, RAJASTHAN
IFSC: PSIB0021405
Ph: 01412358350
Punjab And Sind Bank Branches In Himachal
Punjab & Sind Bank

Public Sector Bank
Address: Ritz Annexi, Ridge To US Club, The Mall Ridge, Shimla, Himachal Pradesh 171001
Phone:0177 265 8353
Punjab & Sind Bank

Public Sector Bank
Address: Agarwal Bhawan, Near Local Bus Stand, Sanjoli, Shimla, Himachal Pradesh 171006
Phone:0177 284 1072
Punjab & Sind Bank

Public Sector Bank
Address: Shoghi, Shimla, Himachal Pradesh 171219
Phone:0177 286 0222
Punjab and Sind Bank Branches in Panchkula

PANCHKULA, SECTOR - 16
BRANCH CODE: P0735
SCF - 251, SECTOR - 16, PANCHKULA, DISTRICT PANCHKULA-134204, .
HARYANA
IFSC: PSIB0000735
MICR: 160023018
PHONE: 0172-2572586, 2585522/0172-2585522
MAIL: p0735@psb.co.in
PANCHKULA, SECTOR - 5
BRANC CODE: P0915
SCO - 76, SECTOR - 5, URBAN ESTATE, PANCHKULA, DISTRICT PANCHKULA-
134204, .
HARYANA
IFSC: PSIB0000915
MICR: 160023015
PHONE: 0172-2581388,5028354/0172-2581388
MAIL: p0915@psb.co.in
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SHAZADAPUR MAJRA
BRANCH CODE: S0014
SHAHJADPUR MAJRA, DISTT. PANCHKULA - 134202, . HARYANA
IFSC: PSIB0000014
MICR: NA
PHONE: 01734-277231
MAIL: s0014@psb.co.in
Punjab and Sind Bank Tamilnadu Branches
 Coimbatore
 Tirupur I B D
 Salem
 Kanchipuram
 Madurai
 Ashok Nagar Chennai
 Chennai Adyar
 Chennai Mount Road
 Gorge Town Chennai
 Ibd Chennai
 Navalur
 Spl Lending Br Chennai
 Trichirapalli Chennai
Punjab and Sind Bank Branches in Meerut

Bank : Punjab And Sind Bank
State : Uttar Pradesh
District : Meerut
Branch : Delhi Rd Meerut
IFSC Code : PSIB0000621 (5th character is zero)
MICR Code : 250023003
Branch Code : 000621 (Last 6 Characters of the IFSC Code)
City : Meerut
Address : 144, Delhi Road, Meerut, Uttar Pradesh-250002
Contact : 0121-2529597
Punjab And Sind Bank Branches In Nagpur

Punjab And Sind Bank
16 Central Avenue Nagpur
IFSC Code :
PSIB0000283 (5th character is zero)
MICR Code :
440023002
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Branch Code :
000283
The Bank has four tier structure comprises of Head Office, Zonal offices, Regional offices and
Branch offices. The delegation of powers is decentralized up to the branch level to facilitate
quick decision-making.
PUNJAB AND SIND BANK has one head quarter, 25 zonal offices and 1559 branches 1470
total ATM spreads through india.
Management
In Punjab and Sind bank there are 9,403 total employees working in the organization.
Chairman
Dr. Charan Singh
(Non Executive Chairman)
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MD & CEO
Shri S. Harisankar
(MD & CEO)
Executive Directors
Dr. Fareed Ahmed

(Executive Director)
Shri. Govind N Dongre

(Executive Director)
Directors
Sh. S. R. Mehar
(MOF Nominee Director)
Sh B P Vijayendra
(RBI Nominee Director)
Non Official Directors
Shri. T R Mendiratta
(Shareholders' Director)
Shri. Harsh Bir Singh

(Shareholders' Director)
Sh. Madhu Sudan Dadu

(Part-Time Non-Official Director)
Sh. Shailesh Ramji Ghedia

Part-Time Non-Official Director (Chartered Accountant category)
CVO (Chief Vigilance Officer)
Shri. Sanjay Jain

Chief Vigilance Officer
General Managers
Mrs. Harvinder Sachdev

(Posted at H.O.)
Sh.Netrananda Sethi
(Posted at H.O.)
17
Sh. Jayanta Kumar Nayak
(Posted at H.O.)
Sh. Rajiv rawat

(Posted at H.O.)
During the time of internship (6 weeks) I was posted in green park branch there I worked in
locker management department under Ms Himani Mam who is in charge of locker and loan
department and Ms Nishi Mam who is posted on general manager post.
MARKET SHARE AND POSITION

Net NPA is 6.93% for the year ending 2017-18. The bank's operating profit for the year ending
2017-18 is Rs. 1144.71 crores. Total business of the bank was Rs. 1,71,464.95 crores for the year
ending 2017-18. The net worth of the bank as on 31.03.18 is Rs. 4733.96 crore.
Punjab and Sind one share market share price is Rs 20.55 on the date 5th sept 2019 its share
price is increased by .15 Rs
On 15 April 1980 Punjab & Sind Bank was among six banks that the Government of India
nationalised in the second wave of nationalisations. (The first wave had been in 1969 when the
government nationalised the top 14 banks.)
Since 2004 Punjab & Sind has shown growth of over 40% year on year, and its recent IPO was
oversubscribed by more than 50 times. Recently the bank crossed a mark of Rs 1 lac crore in
business.
Best small bank – Punjab & Sind Bank.

It’s been a dramatic story of turnaround at Punjab & Sind Bank from #7 in the small bank
category (less than Rs 24,000 crore in balance sheet size) in our 2006 rankings, it has vaulted to
the #1 position.
Chapter – 2
LITERATURE REVIEW
18
Bhatia (1978) attempted to analyze the economic performance of Indian banking system as
reflected by its output, price and profitability during the period 1950-68. He found that profit of
the Indian banking system during the said period had an upward trend. The study suggested
deregulation of interest rates to enhance the profitability of financial institutions and to ensure a
competitive banking environment which would ultimately result in better services.
Kulkarni (1979) stressed upon social responsibilities of banking sector. He was of the view that
looking for profit maximization only was not true profitability of banks as social benefits arising
out of bank operations cannot be ignored. He observed that while fulfilling the social
responsibility, banks should try to make the basic banking business as successful as possible,
reduce cost, improve banking system and increase the overall profitability.
Markand (1979), evaluated the performance of public sector banks. With the help of performance
index consisting six quantitative indicators such as branch expansion, priority sector credit, 24
and wage cost, he concluded that the priority sector financing was essential, and necessary. For
better performance in this sector he suggested that lending power should be delegated to the
branch managers.
Kalyankar (1983) in his study examined the trends in deposits, share capital, working capital,
loans outstanding, advances, overdues and recoveries at the district level financing institutes.
Socioeconomic factors responsible in projecting and promoting future development in the
operations and approaches of the co-operative credit organizations were also considered to
examine the specific progress made by Central Co-operative Bank of Parbhani District. The
study revealed that the cropping intensity, irrigation facility and working capital of the societies
were the major factors for explaining overdues at primary agricultural credit societies’ level. The
socio-economic factors were not responsible for increasing overdues at the borrowers’ level, but
overdues were mainly mounted due to the non-economic factors in case of wilful defaulters.
Kurulkar (1983), in his published work on agricultural finance in backward region, reported
glaring defects in the set-up of co-operative credit system. He pointed that out of the ten sample
owners who obtained long- term credit from the co-operative banks, 30% could not secure short-
term credit. Lack of short- term or production credit to the farmers who availed long-term credit
resulted in lower output per acre, thereby resulting in overdues
SWOT
Analysis
19
Punjab and Sind Bank SWOT Analysis, Competitors & USP
Punjab and Sind Bank Brand Analysis

Parent Company Government of India
Category Banking services
Sector Banking & Financial Services
Tagline/ Slogan To strive to achieve excellence in Customer Service
USP Commitment to help the weaker section of society
Punjab and Sind Bank STP
Segment Individual and industry banking especially in Punjab
Target Group All age and earning groups
Positioning Complete Banking solutions
Punjab and Sind Bank SWOT Analysis

Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of Punjab and
Sind Bank.
Strengths
1. Schemes for rural sector

2. Tie-ups with Auto sector firms like TATA Motors and Maruti
3. Active in various Government schemes facilitation
4. Have around 1000 branches across India and 400 branches in India
Weaknesses
Here are the weaknesses in the Punjab and Sind Bank SWOT Analysis:
1. Less penetration in the urban areas
2. Inadequate advertising and branding as compared to other banks
Opportunities
Following are the Opportunities in Punjab and Sind Bank SWOT Analysis:
1. Small scale business banking across India
2. Expansion in other countries for international banking
3. Installation of more ATM’s and better customer services
Threats
The threats in the SWOT Analysis of Punjab and Sind Bank are as mentioned:
1. Economic crisis and economic fluctuations
2. Highly competitive environment
3. Stringent Banking Norms by the RBI and the Govts
Punjab and Sind Bank Competition
Competitors
20
Below are the top 6 Punjab and Sind Bank competitors:
1. Indian bank
2. Andhra Bank
3. Canada bank
4. SBI
5. Allahabad bank
6. IDBI
Bases Punjab National Bank Punjab and Sind Bank

Government of India
Parent Company Government of India
Category Banking services Banking services
Banking & Financial Banking & Financial Services
Sector
Services
The name you can bank To strive to achieve excellence
Tagline/ Slogan
upon in Customer Service
Punjab National Bank is one Commitment to help the
USP of the Big Four banks of weaker section of society
India
Individual and industry
Segment Urban and rural banking banking especially in Punjab
All age and earning groups

Target Group International Banking
Positioning Complete Banking solutions Complete Banking solutions
Strengths Below is the Strengths, Below is the Strengths,
Weaknesses, Opportunities Weaknesses, Opportunities &
& Threats (SWOT) Analysis Threats (SWOT) Analysis of
of Punjab National Bank. Punjab and Sind Bank.
Strengths are: Strengths are:
1. Diversified operations 1. Schemes for rural sector
with 5100 branches 2. Tie-ups with Auto sector
2. Strong I. T support with firms like TATA Motors and
“best fit” approach Maruti
3. Schemes for small and 3. Active in various
medium scale businesses Government schemes
4. It is the second largest facilitation
state-owned commercial 4. Has around 1000 branches
bank in India with about across India and 400 branches
5000 branches across 764 in India
cities
5. Its 56,000+ workforce
serves over 37 million
21
customers
Here are the weaknesses in Here are the weaknesses in the
the Punjab National Bank Punjab and Sind Bank SWOT
SWOT Analysis: Analysis:
1. Less penetration in the 1. Less penetration in the
urban areas urban areas
Weaknesses 2. Inadequate advertising 2. Inadequate advertising and
and branding as compared to branding as compared to other
other banks banks
3. Legal issues regarding
employees caused a bad
name of PNB
Following are the Following are the
Opportunities in Punjab Opportunities in Punjab and
National Bank SWOT Sind Bank SWOT Analysis:
Analysis: 1. Small scale business
1. Small scale business banking across India
banking across India 2. Expansion in other
Opportunities
2. Expansion in other countries for international
countries for international banking
banking 3. Installation of more ATM’s
3. Installation of more and better customers services
ATM’s and better customers
services
The threats in the SWOT
The threats in the SWOT
Analysis of Punjab and Sind
Analysis of Punjab National
Bank are as mentioned:
Bank are as mentioned:
1. Economic crisis and
1. Economic crisis and
economic fluctuations
Threats economic fluctuations
2. Highly competitive
2. Highly competitive
environment
environment
3. Stringent Banking Norms by
3. Stringent Banking Norms
the RBI and the Govts
by the RBI and the Govts
Punjab and Sind’s policies and schemes

Punjab and Sind’s provide many policies and schemes for upbringing weaker section of society.
As Punjab & Sind bank is a government owned bank their sole purpose is welfare of the people
especially weaker section of society. As Punjab and Sind bank is rank 1 among small banks in
India .
 PM Yojana
 Atal Pension Yojana (APY)

 Pradhan Mantri Jan Dhan Yojna (PMJDY)
22
 Suraksha Bandhan Yojana
 Pradhan Mantri Suraksha Bima Yojana (PMSBY)
 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
 Framework for Revival and Rehabilitation
 Atal Pension Yojana
 PM National Relief Fund
 PMRY beneficiaries for the programmesFramework for Revival and Rehabilitation
 Atal Pension Yojana
 PM National Relief Fund
 PMRY beneficiaries for the programmes
 Government Schemes
 Sovereign Gold Bond Scheme
 FLCC
 Sachar Committee
 Public Provident Fund(PPF)
 Pension Account
 Senior Citizen Scheme
 SukanayaSamriddhi Scheme
 National Pension Scheme
 NPS Contribution
 Others
 Staff Welfare Scheme
23
CHAPTER -3
Data Presentation & Analysis
1. Data Collection
Finance is the key functional area where Punjab and Sind Bank operates in.
 It includes balance sheet of 5 previous years.
 It includes income statement of 5 previous years.
 It includes capital structure of the firm, various aspects of financial management of company such as
ratio analysis.
 It includes cash flow statement of previous 5 years.
 It includes capital structure of Punjab and Sind bank.
Medium of data collection

Secondary data: The Main sources of Secondary data are combination of information from the
internet and books of the related topic.
2. Data Presentation
Loans and advances are the most important aspect of any banking organization. Loan is a type of
debt. Like all debt instruments, a loan entails the Redistribution of financial assets over time. The
borrower initially receives an amount of money from the lender, which they pay back, usually
but not always in regular installment, to the lender. This service is generally provided at a cost,
referred to as interest on the debt .The Sum of borrowed Money (Principal) that is generally
repaid with interest.
ADVANCE is a term that describes a secured loan Made to a member. Advances are offered at
fixed or floating rates with specific Maturities or with embedded options for early redemption.
There are different types of loan offered by a bank. Different loans fetch a different rate of
interest and have different securities against them.
 Consumer loans
 Housing loans
 Car loans
 Education loans
 Against mortgage
24
Yearly Results of Punjab & Sind Bank
Mar '19 Mar '18 Mar '17 Mar '16 Mar '15
Interest Earned
(a) Int. /Disc. on Adv/Bills 6,029.72 5,231.52 5,681.49 6,655.35 6,374.81
(b) Income on Investment 2,297.75 2,450.84 2,255.59 1,896.51 2,136.28
(c) Int. on balances With RBI 60.26 117.04 43.73 21.66 64.69
(d) Others 170.94 149.35 192.06 170.82 12.77
Other Income 828.28 581.20 578.10 478.48 428.75
EXPENDITURE
Interest Expended 6,278.97 5,713.56 6,013.54 6,568.55 6,909.35
Employees Cost 1,175.81 1,123.00 990.14 894.03 874.33
Other Expenses 535.31 548.68 505.41 490.35 458.17
Depreciation -- -- -- -- --
Operating Profit before Provisions and
1,396.86 1,144.71 1,241.88 1,269.89 775.45
contingencies
Provisions And Contingencies 2,255.63 1,739.55 991.41 771.49 627.33
Exceptional Items -- -- -- -- --
P/L Before Tax -858.77 -594.84 250.47 498.40 148.12
Tax -315.29 148.96 49.39 162.43 26.77
P/L After Tax from Ordinary Activities -543.48 -743.80 201.08 335.97 121.35
Prior Year Adjustments -- -- -- -- --
Extra Ordinary Items -- -- -- -- --
Net Profit/(Loss) For the Period -543.48 -743.80 201.08 335.97 121.35
Equity Share Capital 564.91 564.91 400.41 400.41 400.41
Reserves Excluding Revaluation Reserves 5,136.49 5,617.77 5,742.06 5,569.81 4,411.21
Equity Dividend Rate (%) -- -- -- 16.50 6.00
ANALYTICAL RATIOS
a) % of Share by Govt. 85.56 85.56 79.62 79.62 79.62
b) Capital Adequacy Ratio - Basel –I -- -- -- -- --
c) Capital Adequacy Ratio - Basel –II -- -- -- 11.75 11.88
EPS Before Extra Ordinary
Basic EPS -9.62 -18.49 5.02 8.39 3.59
Diluted EPS -9.62 -18.49 5.02 8.39 3.59
EPS After Extra Ordinary
Basic EPS -9.62 -18.49 5.02 8.39 3.59
Diluted EPS -9.62 -18.49 5.02 8.39 3.59
NPA Ratios :
25
i) Gross NPA 8,605.87 7,801.65 6,297.59 4,229.05 3,082.19
ii) Net NPA 4,994.23 4,607.87 4,375.08 2,949.47 2,266.00
i) % of Gross NPA 11.83 11.19 10.45 6.48 4.76
ii) % of Net NPA 7.22 6.93 7.51 4.62 3.55
Return on Assets % -0.47 -0.69 0.20 0.34 0.13
Public Share Holding
No Of Shares (Crores) -- -- 8.16 8.16 8.16
Share Holding (%) -- -- 20.38 20.38 20.38
Promoters and Promoter Group Shareholding
a) Pledged/Encumbered
- Number of shares (Crores) -- -- -- -- --
- Per. of shares (as a % of the total sh. of prom. and
-- -- -- -- --
promoter group)
- Per. of shares (as a % of the total Share Cap. of
-- -- -- -- --
the company)
b) Non-encumbered
- Number of shares (Crores) -- -- 31.88 31.88 31.88
- Per. of shares (as a % of the total sh. of prom. and
-- -- 100.00 100.00 100.00
promoter group)
- Per. of shares (as a % of the total Share Cap. of
-- -- 79.62 79.62 79.62
the company)
Punjab & Sind Bank

Profit & Loss account ------------------- in Rs. Cr. -------------------
Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
12 mths 12 mths 12 mths 12 mths 12 mths
INCOME
Interest / Discount on Advances / Bills 6,029.72 5,231.52 5,681.50 6,655.35 6,374.81
Income from Investments 2,297.75 2,450.83 2,255.59 1,896.51 2,136.28
Interest on Balance with RBI and Other Inter-
60.26 117.04 43.73 21.66 64.69
Bank funds
Others 170.94 149.35 192.06 170.82 12.77
Total Interest Earned 8,558.67 7,948.75 8,172.87 8,744.34 8,588.55
Other Income 828.28 581.20 578.10 478.49 428.75
Total Income 9,386.95 8,529.95 8,750.97 9,222.83 9,017.30
EXPENDITURE
Interest Expended 6,278.97 5,713.56 6,013.54 6,568.55 6,909.35
Payments to and Provisions for Employees 1,175.81 1,123.00 990.14 894.03 874.33
Depreciation -14.72 64.11 42.46 45.74 46.04
Operating Expenses (excludes Employee Cost
550.03 484.57 462.95 444.62 412.13
& Depreciation)
Total Operating Expenses 1,711.12 1,671.68 1,495.55 1,384.38 1,332.50
Provision Towards Income Tax 204.45 519.72 70.63 63.09 1.49
Provision Towards Deferred Tax -519.74 -370.76 -423.33 99.34 24.48
26
Provision Towards Other Taxes 0.00 0.00 0.00 0.00 0.80
Other Provisions and Contingencies 2,255.63 1,739.55 1,393.49 771.49 627.33
Total Provisions and Contingencies 1,940.34 1,888.51 1,040.79 933.92 654.10
Total Expenditure 9,930.43 9,273.75 8,549.89 8,886.85 8,895.95
Net Profit / Loss for The Year -543.48 -743.80 201.08 335.97 121.35
Net Profit / Loss After EI & Prior Year Items -543.48 -743.80 201.08 335.97 121.35
Profit / Loss Brought Forward 986.99 1,857.27 1,812.78 1,679.19 1,635.51
Total Profit / Loss available for
443.51 1,113.48 2,013.86 2,015.16 1,756.86
Appropriations
APPROPRIATIONS
Transfer To / From Statutory Reserve 0.00 10.00 50.50 84.00 48.00
Transfer To / From Special Reserve 0.00 0.00 72.32 17.72 0.23
Transfer To / From Capital Reserve 0.00 0.00 33.77 21.15 0.00
Transfer To / From General Reserve 0.00 0.00 0.00 -0.01 0.00
Transfer To / From Revenue And Other
120.40 116.49 0.00 0.00 0.00
Reserves
Equity Share Dividend 0.00 0.00 0.00 66.07 24.02
Tax On Dividend 0.00 0.00 0.00 13.45 5.42
Balance Carried Over To Balance Sheet 323.11 986.99 1,857.27 1,812.78 1,679.19
Total Appropriations 443.51 1,113.48 2,013.86 2,015.16 1,756.86
OTHER INFORMATION
EARNINGS PER SHARE
Basic EPS (Rs.) -9.62 -13.16 5.02 8.39 3.59
Diluted EPS (Rs.) -9.62 -13.16 5.02 8.39 3.59
DIVIDEND PERCENTAGE
Equity Dividend Rate (%) 0.00 0.00 0.00 17.00 6.00
Balance Sheet of Punjab & Sind Bank

Mar 18 Mar 17 Mar 16 Mar 15
Mar 19
EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS
Equity Share Capital 564.91 564.91 400.41 400.41 400.41
Total Share Capital 564.91 564.91 400.41 400.41 400.41
Reserves and Surplus 5,136.49 5,617.77 5,742.06 5,569.81 5,195.76
Total Reserves and Surplus 5,136.49 5,617.77 5,742.06 5,569.81 5,195.76
Total ShareHolders Funds 5,701.40 6,182.69 6,142.47 5,970.22 5,596.18
Deposits 98,557.60 101,726.17 85,540.16 91,249.96 86,714.72
Borrowings 2,714.00 3,682.98 2,958.44 2,839.01 3,048.23
Other Liabilities and Provisions 2,009.04 2,167.41 2,002.37 2,522.22 2,394.28
Total Capital and Liabilities 108,982.05 113,759.24 96,643.44 102,581.42 97,753.40
27
ASSETS
Cash and Balances with Reserve Bank of India 4,941.08 6,256.38 4,364.68 3,822.56 3,756.11
Balances with Banks Money at Call and Short
1,677.14 876.31 225.10 1,080.01 463.40
Notice
Investments 26,172.93 32,981.76 27,948.50 27,645.04 26,751.70
Advances 69,175.53 66,569.45 58,334.53 63,916.07 63,870.18
Fixed Assets 1,230.38 1,082.60 1,095.43 1,133.44 994.83
Other Assets 5,784.98 5,992.75 4,675.20 4,984.30 1,917.19
Total Assets 108,982.05 113,759.24 96,643.44 102,581.42 97,753.40
OTHER ADDITIONAL INFORMATION
Number of Branches 1,048.00 1,514.00 1,500.00 1,488.00 1,456.00
Number of Employees 8,948.00 9,320.00 9,400.00 9,403.00 9,180.00
Capital Adequacy Ratios (%) 11.00 11.00 11.00 11.00 11.00
KEY PERFORMANCE INDICATORS
Tier 1 (%) 0.00 0.00 9.00 9.00 8.00
Tier 2 (%) 0.00 0.00 2.00 2.00 3.00
ASSETS QUALITY
Gross NPA 8,605.87 7,801.65 6,297.59 4,229.05 3,082.19
Gross NPA (%) 12.00 11.00 10.00 6.00 5.00
Net NPA 4,994.23 4,607.87 4,375.08 2,949.47 2,266.00
Net NPA (%) 7.00 7.00 8.00 5.00 4.00
Net NPA To Advances (%) 7.00 7.00 8.00 5.00 4.00
CONTINGENT LIABILITIES, COMMITMENTS
Bills for Collection 764.70 763.73 597.07 1,271.91 926.93
Contingent Liabilities 7,262.52 6,010.28 9,729.68 14,758.63 14,263.35
Definition of loan
Written or oral agreement for a temporary transfer of a property (usually cash) from its owner
(the lender) to a borrower who promises to return it according to the terms of the agreement,
usually with interest for its use. If the loan is repayable on the demand of the lender, it is called a
demand loan. If repayable in equal monthly payments, it is an installment loan. If repayable in
lump sum on the loan's maturity (expiration) date, it is a time loan. Banks further classify their
loans into other categories such as consumer, commercial, and industrial loans, construction and
mortgage loans, and secured and unsecured loans.
Definition of advance
A payment on an obligation that is paid well in advance. For example, if one pays May's rent in
April, the payment is an advance payment. Often, though not always, the advance payment
results in a discount on the amount owed. It is also called a payment in advance.
An advance payment is a type of payment made ahead of its normal schedule such as paying for a good or
service before you actually receive it.
Advance payments are sometimes required by sellers as protection against nonpayment, or to cover the
seller's out-of-pocket costs for supplying the service or product.
28
There are many cases where advance payments are required. Consumers with bad credit may be required
to pay companies in advance, and insurance companies generally require an advance payment in order to
extend coverage to the insured party.
Loans and advance product
ADVANCES
•Base rate
•Priority sector
•Housing
•Consumer
•Conveyance
•Personal loan
•Education
•Debt restructuring
•Other loans
•FPC leading
SERVICES
On various services offered by Bank
 BBPS
 GST
 POS /BHARAT QR Code
 UPI (Unified Payment Interface)
 PSB BHIM Aadhaar Pay
 Internet Banking
 Mobile Banking Services
 USSD/NUUP
 ATM
 ECS
 RTGS
 NEFT
 Indo Nepal Remmitance Facility Scheme
 NRI Services
LOANS PROVIDED BY PUNJAB & SIND BANK (PSB)

Retail Loan
PSB Apna Ghar
Purpose For Construction/ Acquisition/ Purchase/ Extension/ Repair / Renovation
Eligibility Individuals, Group of individuals, and individual members of housing societies are eligible
under the scheme
Age Minimum: 18 years Maximum: subject to maximum age for repayment period
29
Quantum of For construction of house or purchase of house/ flat/ Plot : Need based finance, with no
Finance Maximum limit
For repairs / renovation / additions / alterations : Maximum Rs. 20.00 lac.
Margin i) For Purchase of Plot only, offered / allotted by Govt. authorities and/ or Builders who are
Bank’s borrowers:
a) 25% of the Cost of plot up to a finance amount of Rs.100 lac upfront
b) 40% of the Cost of plot for the finance amount over and above Rs.100 lac upfront
ii) For Construction or for Purchase of Plot & Construction:
a) For purchase of plot: 40% of the cost of land / plot upfront
b) For construction:
· 10% of the value of construction, proportionate for loans up to Rs. 20 lacs
· 20% of the value of construction, proportionate for loans above Rs. 20 lacs & upto Rs 75
lacs.
· 25% of the value of construction, proportionate for loans above Rs. 75 lacs
(loan amt. for ascertaining margin would be after clubbing both the loans i.e. for plot + for
construction)
iii) For Purchase of Built up dwelling unit:
· 10% of the total value of property for loans up to Rs. 20 lacs up-front
· 20% of the total value of property for loans above Rs. 20 lacs & up to Rs. 75 lacs up-
front
· 25% of the total value of property for loans above Rs. 75 lacs up-front
iv) For Extension / Renovation /Repair:
10% of the total estimated cost, proportionate for loans up to Rs. 20 lacs
Documentatio Actual Stamp/Revenue expenses only

n charges
Security The security for the loan shall be first charge by way of equitable / registered mortgage of the
property. The title of the property must be clear, marketable and free from encumbrance.
If an intending borrower who has purchased / has entered into an agreement to buy housing
property on power of attorney basis offers sufficient collateral in the shape of equitable
30
mortgage of any other property and / or Govt. Security (ies), the same may be considered and
the property / security obtained at the time of sanction may be released after obtaining the
equitable mortgage of Housing property financed which shall remain the primary security for
the loan. During the intervening period the property financed by the bank shall remain charged
to the bank.
Mode & For purchase of plot: The loan shall be allowed only in the shape of term loan for a maximum
Period of loan
tenor of 15 years.
For Extension / Renovation /Repair: The loan shall be allowed only in the shape of term loan
for a maximum tenor of 15 years.
For purchase of built up house/construction etc: The loan is allowed only in the shape of
term loans for a maximum tenor of 40 years ascertaining that the present age plus tenure of
loan not to exceed the following age criteria:
A For salaried class (non pensionable) Loan to be adjusted upto the age of 60 years
B For salaried class(pensionable) Loan to be adjusted upto the age of 70 years
C For other than salaried class Loan to be adjusted upto the age of 70 years
Take Home The amount of installment and repayment schedule to be fixed in such a manner so that the
Salary/Income
borrower gets the carry home salary/income, of his/ her total emoluments/earnings after the
deductions, inter-alia, on account of installment of housing loan, as under:
Income Upto Rs. 10 lacs p.a. 40%
Income above Rs. 10 lacs to Rs. 25 lacs p.a. 30%
Income above Rs. 25 lacs p.a. 20%
Prepayment No pre-payment charges.
Guarantee In case of Co-borrower

Third Party Guarantee may be waived.
In all other cases

guarantee of spouse or Major son may be obtained, if available
In cases, where sale deed/ lease deed/conveyance deed is to be registered after a considerable
gap like in cases of Installment/construction linked plan e.g. Authority/ Society/ Builder’s
flats/plots: Guarantee of earning spouse/ major son or suitable third party guarantee must be
obtained.
31
PSB Apna Ghar Top Up
Purpose To offer additional amount of loan to the existing housing loan borrowers to meet their various
personal requirements arising from time to time as top up loans against the residual value of the
residential property mortgaged with the Bank.
The borrower can avail of the facility either as OD facility or Term Loan under this Scheme.
Eligibility The borrower should have a minimum repayment record of 24 months with our bank for the home
loan, and the property financed should be completed and taken possession of.
Quantum of Maximum upto Rs 10 lacs subject to terms of the scheme.

finance
Margin 25%
Security The value of property already charged to the Bank in Housing Loan.
Repayment Term Loan: The loan to be repaid by EMI during the currency of the existing Housing Loan.
Over Draft: Interest in the account would be served on monthly basis with monthly rests.
Guarantee As applicable to the Housing Loan Scheme of the Bank
PSB Apna Vahan
Purpose For purchase of Two & Four Wheelers
Eligibility Individuals as well as business concerns(corporate and non-corporate)
Age Minimum : 18 Years
Maximum : Subject to adjustment of loan for individuals/ prop before the age of
Service class non pension – 60 years
Service class with pension – 70 years
Others - 70 years
*Age above 70 years can be considered by way of younger co-borrower with adequate repayment
capacity.
Quantum of Need based.
32
Finance
Margin For New vehicles --
15% of on-road price.
Nil - on road price - For existing borrower
(Exclusive of accessories).
For old vehicles -- 25%
Documentation Actual Stamp/Revenue expenses only

charges
Security Hypothecation of vehicle. RC/ comprehensive insurance policy with bank clause incorporated
therein.
Repayment For new four wheeler vehicles : Maximum 84 months.
For new two wheeler vehicles : Maximum 36 months.
For old vehicles : Maximum 60 months subject to age of vehicle (total period of Repayment plus
age of vehicle not to exceed 84 months). The overall age of the vehicle & the repayment period
together should not exceed 7 years.
Prepayment No foreclosure charges/prepayment penalties for individual borrowers (including sole

proprietorships). In case of loan takeover of corporate borrowers , prepayment charge @ 1% on
outstanding balance
Guarantee As per Bank’s discretion on case to case basis.
PSB Education Loan

Model Education Loan Scheme for pursuing higher education in India & Abroad
Eligibility
Studies in India: (Indicative list)
Approved courses leading to graduate/ post graduate degree and P G diplomas conducted by recognized
colleges/ universities recognized by UGC/ Govt./ AICTE/ AIBMS/ ICMR etc.
Courses like ICWA, CA, CFA etc.
Courses conducted by IIMs, IITs, IISc, XLRI. NIFT,NID etc.
Regular Degree/Diploma courses like Aeronautical, pilot training, shipping, nursing or any other
discipline, approved by Director General of Civil Aviation/Shipping/Indian Nursing Council or any other
regulatory body as the case may be, if the course is pursued in India.
33
Approved courses offered in India by reputed foreign universities.
Note :The above list is indicative in nature. Courses other than the above offered by reputed institutions may also
be considered on the basis of employability.
Studies abroad
Graduation : For job oriented professional/ technical courses offered by reputed universities
Post graduation: MCA, MBA, MS, etc.
Courses conducted by CIMA- London, CPA in USA etc.
Degree/diploma courses like aeronautical, pilot training, shipping etc provided these are recognized by
competent regulatory bodies in India/abroad for the purpose of employment in India/abroad.
Note : Diploma Courses and Certificate Courses have not been included as eligible courses for the scheme. Post
graduate studies leading to PG degrees and PG diplomas offered by reputed institutes/universities only will be
covered by the scheme. Assessment of employment potential or future prospects is very important criterion
considering the higher cost of studies involved.
Quantum of Studies in India : Maximum upto Rs. 10 lakhs.

Finance
Studies Abroad : Maximum upto Rs. 20 lakhs.
Note : Higher quantum of loan may also be considered on course to course basis (eg: courses in IIMs, ISB etc)
Margin Upto Rs. 4 lakhs Nil

Above Rs. 4 lakhs Studies in India 5%
Studies in Abroad 15%
Security Upto Rs. 4 lakhs : NO Security( Parents to be joint borrowers)

Above Rs. 4 lakhs and upto Rs. 7.5 lakhs
Parents to be joint borrower
Collateral security in the form of suitable third party guarantee
Note : However, third party guarantee will be waived if the loan is eligible for Credit Guarantee Fund Scheme for
Education Loan (CGFSEL).
Above Rs. 7.5 lakhs

Parent(s) to be joint borrower(s)
Tangible collateral security of suitable value acceptable to bank, along with the assignment of future
income of the student for payment of installments.
Moratoriu Course Period + 1 Year

m Period
Note
The Bank may allow upto three spells of moratorium (not exceeding six months each) during the life
cycle of the loan, taking into account the spells of unemployment/ underemployment, without treating the exercise
as restructuring, subject to appropriate inclusion of the same in terms and conditions of the loan agreement.
Any other concession or moratoriums (exceeding those specified in the original sanction) for a borrower
under financial difficulty would be treated as restructuring and attract the prudential norms thereof.
34
The facility of extended repayment period and increased number of moratoria for repayment may be
extended to existing borrowers whose accounts are classified as ‘standard’, and is subject to conditions stipulated
above.
Repayment Repayment of the loan will be in equated monthly installments for a maximum period of 15 years for all
Period categories.
Prepayment No pre-payment penalty is to be levied for prepayment of loan any time after the commencement of repayment.
PSB Excellence-Education Loan
PSB Excellence- Education Loan For Premier Institutions (i.e. IITs, IIMs and ISB Hyderabad):
Eligibility Students who have secured admission in regular full time Degree / Diploma courses of all
the IIMs, IITs and ISB Hyderabad.
Quantum of As per the fee structure of the respective institute plus personal monthly expenses max upto
finance Rs 5000.00 p.m. plus project expenses, books e.t.c.
Upto a maximum loan of Rs. 20.00 lacs, including each Top up loans, if any.
Margin Up to Rs 4.00 lac : NIL
Above Rs 4.00 lac : 5% The margin shall be proportionate to loan amount disbursed.
Above Rs 10.00 lac : 15% The margin shall be proportionate to loan amount disbursed.
Security Co- obligation of parents/guardian as co- borrowers.
No collateral security required.
Repayment Maximum up to 10 years exclusive of Moratorium period.
PSB Skill Education Loan
Eligibility Any individual who has secured admission in a course run by Industrial Training Institutes (ITIs),
Polytechnics or in a school recognized by central or State education Boards or in a college
affiliated to recognized university, training partners affiliated to National Skill Development
Corporation (NSDC)/Sector Skill Councils, State Skill Mission, State Skill Corporation, preferably
leading to a certificate / diploma / degree issued by such organization as per National Skill
Qualification Framework (NSQF) is eligible for a Skilling Loan.
Quantum of Loans will be in the range of Rs. 5,000/- to Rs. 150,000/-
finance
35
Margin Nil
Security No collateral security to be taken for loans under the scheme. However, parent to execute loan
document along with the student borrower as joint borrower.
Moratoriu Upon completion of the course, repayment will start after a moratorium period as indicated below:
m period Courses of duration upto 1 year upto 6 months from the completion of the course
Courses of duration above 1 year 12 months from the completion of the course
Repayment Loans upto 50,000 Upto 3 years
Loans between 50,000 to 1 lakh Upto 5 years
Loans above 1 lakh Upto 7 years
PSB Commercial Vehicle
Purpose For purchase of New Commercial Vehicles like, Buses, Trucks, Tankers, Tempos, Taxi,
Four/ Three wheelers, and any other vehicles of mass transportation subject to the
condition that the vehicle is approved by the competent authority for commercial
purposes.
Eligibility a. Individuals, proprietorship/partnership firm/ Limited company, trust, society,

associations owning and operating or proposing to own and operate transport
vehicles for carrying passengers or goods on hire.
b. The borrower (s) either hold the necessary driving license or engage driver (s)
possessing valid license to operate the type of vehicle for which credit is sought.
c. The borrower (s) should have been granted a permit by an appropriate authority
to ply vehicle(s) for passengers or goods traffic for hire.
Quantum of Finance 80% of the cost of vehicle (pre-assembled/ cost of chassis/ cost of body/ cost of chassis &
cost of body), onetime Registration Charges & Road Tax, and Insurance Charges.
Maximum limit that can be sanctioned under the scheme is Rs 2.00 Crore.
Margin 20% margin on cost of vehicle (pre-assembled/ cost of chassis/ cost of body/ cost of
chassis & cost of body), onetime Registration Charges & Road Tax, and Insurance
36
Charges.
The borrower should bring in the required margin money.
DSCR Minimum Net DSCR (debt service coverage ratio) requirement shall be 1.25:1
Repayment of Loan Moratorium Period: Maximum 3 Months from the date of disbursement of loan.
Loan to be repaid in Equated Monthly Instalments (EMIs) in Maximum 5

Years (exclusive of moratorium period, if any)
Primary Security Hypothecation of the vehicle to be purchased.
Collateral Security Loan amount up to Rs. 10 lakhs: Collateral Security is not required.
Loan amount above Rs.10 lakhs upto Rs.25 lakhs:
Suitable collateral security to the extent of minimum 25% of the sanctioned

amount. (Except for cases covered under CGTMSE)
Loan amount above Rs.25.00 lakhs:
Suitable collateral security to the extent of minimum 50% of the sanctioned

amount. (Except for cases covered under CGTMSE)
37
Guarantee i. Third party guarantee / guarantee of earning family member for loans up-to
Rs.10 lakhs, if not covered under CGTMSE
ii. For cases above Rs.10 lakhs Guarantee may be waived in the cases covered
under CGTMSE or where collateral is offered.
iii. Guarantee of the property owner (if other than borrower) must be obtained in all
the cases where collateral is offered.
Guarantor should enjoy good reputation in the market/field along with networth of atleast
200% of loan amount.
Prepayment Charges The borrower may opt to prepay / adjust the loan from his own verifiable legitimate
sources or genuine sale without attracting any penalty, except take-over of the loan by
other bank/ FI/ NBFC, which would attract prepayment @1% of the balance loan amount.
Penal Interest @ 2% over and above the contracted rate shall be charged for any default in
repayment on loan installment as per fixed repayment schedule.
PSB Personal Loan
Purpose Any genuine personal credit requirement. (Undertaking to be obtained from the applicant that
the funds sanctioned by the Bank under the above Scheme would not be utilized for any
speculative purpose).
Eligibility
Salaried Class
To Govt./PSU employees.
To Confirmed/Permanent/Regular Employees of other institutions.
Pension Class: Pensioners having their pension account with our Bank.
Age Minimum : 21 years

Maximum
For Salaried Class : 60 years (Govt. /PSU)
For Salaried class (private) : 65 years
For Pensioners : upto 70 years
38
Quantum of For Salaried Class For Pensioner
Finance
Up-to 18 times monthly net salary/1.5 times of
Pensioners upto the age of 65 years -
Net Annual Income or Rs.3 lacs, whichever is less
Up-to 15 times monthly net pension or Rs.3
lacs, whichever is less
For Pensioners above the age of 65
years and upto the age of 70 years -
Up-to 10 times monthly net pension or Rs.1
Lac, whichever is less
Nature of Term Loan

Facility
Repayment Maximum repayment period to be 60 months subject to maximum age criterion, whichever is
earlier
Guarantee Third party/ mutual guarantee/ guarantee of spouse/ Major son
PSB Doctors Special
Eligibility Medical Practitioners registered with statutory bodies like, MCI, DCI, CCIM, CCH etc.
and having minimum qualification MBBS/BDS/BPT/ BAMS or equivalent professional
degree.
Constitution of Individual, Joint borrowers, Proprietorship, Partnership, LLP, Company (Pvt /Public
borrower ltd), Hospitals which are being run /managed by Trusts / Institutions and concerns
where majority of share holding is by qualified medical practitioners.
Purpose Setting up/ acquiring/ construction/ Expansion/renovation of clinics, Hospitals/

Pathological/ Clinical Labs, Diagnostic Centers/ Physiotherapy centers, Nursing
Homes, etc. including furniture fixture, medical equipments and for purchase of
vehicles, ambulances/lifesaver ambulances, etc.
Quantum of loan Minimum: Rs 5 lakhs
: Rs. 500 lakhs
Working capital facility is restricted to maximum 5% of the Term Loan facility

sanctioned ‘or’ Rs 10 lakhs whichever is lower.
39
The maximum quantum should not exceed Rs 500 lakhs in case of composite facility
i.e. Term Loan & Working Capital.
Assessment of Working Capital Limit:

finance
For running units, WC is fixed based on the 75% of Revenue Expenditure of previous
year as per audited balance sheet.
For new units, WC is fixed based on the 60% projected Revenue Expenditure.
DP is derived on the basis of 75% of stocks/ 60% book debts.
Term Loan: 75% of the cost of assets purchased ‘or’ 65% for purchase/ construction/
expansion/ renovation/ modernization of premises.
Minimum Net DSCR (debt service coverage ratio) :- 1.25:1
Margin 25% for purchase of equipment/ machinery/ vehicles etc.

35% for acquisition of premises and/ or expansion/ renovation/ modernization
of existing premises.
25% on stocks
40% on book debts.
Security Primary Security for Term Loan:
i. Hypothecation of assets to be purchased/acquired with the help of Bank’s

finance.
ii. Mortgage of business premises if financed by the Bank.
Primary Security for Working Capital facility: Hypothecation of stocks/

book debts
Collateral security:
i) Loan upto Rs 10 lakhs: No third party guarantee and/or collateral security is
required and the same should be covered under CGTMSE.
ii) Loan above Rs 10 lakhs and upto Rs 200 lakhs: Collateral security by way of
immovable property or liquid securities such as deposits, NSCs, surrender value of LIC
policies, equivalent to 100% of the total exposure. Or, else the loan will be covered
under CGTMSE.
iii) For loan above Rs.200 lakhs and upto Rs 500 lakhs: Collateral security by way of
40
immovable property or liquid securities such as deposits, NSCs, surrender value of LIC
policies, equivalent to 100% of the total exposure.
However, for loans sanctioned for acquiring premises for opening of Hospitals/ Labs/
Clinics etc. borrower to submit suitable collateral equivalent to the Sanctioned amount
for the intervening period till valid mortgage of the property financed is created in
Bank’s favour.
Penal interest @ 2.0 % over and above the normal rate shall be charged on the amount of default, in
case of delay / default in payment of instalment / interest.
Guarantee Loan upto Rs. 200 lakhs: No guarantee required, if covered under CGTMSE.
In all other cases, guarantee of Spouse/ major sons/ partners/ directors/ trustees/ suitable
third party is required.
Personal guarantee of partners/directors is required in all cases irrespective of coverage

under credit guarantee scheme.
If owner of the mortgaged property is other than borrower, the guarantee of property
owner is equired.
Guarantor should enjoy good reputation in the market/field along with networth of
atleast 200% of loan amount
41
Repayment For Term Loan
Repayment Period:. Loan to be repaid in Equated Monthly Instalments (EMIs) in

Maximum 7 Years (inclusive of moratorium period, if any).
Moratorium Period:
a) Maximum 2 years including construction period in case of new construction of

business premises financed by bank.
b) In all other cases maximum moratorium of 1 year may be allowed by the Bank
based on the justification and merits of the case.
For Working Capital facility:
Repayable on demand. Credit facility is subject to annual renewal. Interest to be

serviced as and when due.
Prepayment The prepayment facility is allowed without any charges but not within one year of the
loan availment. On pre-closure within one year of sanction, prepayment penalty @1 %
of the sanctioned amount to be charged.
Additional Benefits Locker Rent Concession: 50% concession on locker rent for self and spouse for first
two years, who avail loan under this scheme.
PSB Sukhmoney for Senior Citizens
PSB Sukhmoney for Senior Citizens - Reverse Mortage Concept
Purpose This scheme is designed to help Senior Citizens to sustain their lifestyle and also help them
maintain their monthly expenditure without being dependent on anyone. It is a social security
scheme designed to benefit the senior citizens post retirement. The loan amount can be used
for following purposes:
Meeting genuine needs
Up gradation, renovation and extension of residential property.
For uses associated with home improvement, maintenance/insurance of residential
42
property.
Medical, emergency expenditure for maintenance of family.
For supplementing pension/other income.
Repayment of an existing loan taken for the residential property to be mortgaged.
Eligibility The borrower should fulfill the following criteria:-

Senior citizen of India above 60 years of age.
The residential property should be in his/her single name or jointly with his/her
spouse. In case it is in the single name of one individual, he/she should give will in favour of
the other spouse, who should be made co-borrower.
Married couples will be eligible as joint borrowers for financial assistance provided
either of the spouse owing the property is above 55 years of age and other legal spouse is of
age 60 years and above.
The residential property should be self-occupied/self acquired with clear title free
from any encumbrances.
The borrower(s) should use that residential property as permanent primary residence.
The residual life of the property should be more than the period of loan.
Quantum of
Maximum Amount permissible: Rs. 1 crore
Finance/Margi
n The amount of loan will depend on present market value/realizable value whichever is less, of
residential property after maintaining margin as given below:
The maximum loan to value (LTV) Ratio & consequent derived margin are as under:
Age-Group Maximum Loan Margins

(subject to ceiling of Rs.100 Lacs)
60 & up to 70 60 % of the value of immovable property 40%
Above 70 & up to 75 50 % of the value of immovable property 50%
Above 75 & up to 80 45 % of the value of immovable property 55%
Above 80 40 % of the value of immovable property 60%
Security Loan to be secured by way of Equitable/ Registered Mortgage/Assignment on theResidential

property in Bank's favour.
Period of Loan Maximum 15 years.
43
Prepayment The borrowers will have option to prepay the loan without any prepayment charges.
However in case there is any takeover of loan by other financial institution /bank, a charge of
2% on the amount taken over, will be levied.
Guarantee Personal Guarantee of spouse may be obtained in case he / she is not a joint or a co-borrower.
PSB SB OD
Purpose To provide overdraft to the customer to enable him/her to meet the urgent Social
obligation/requirement such as medical/educational expenses etc.
Eligibility The permanent employee working with Central / State Government / PSUs/Reputed
Public Limited Companies/All Corporate borrowers of our Bank/ MNCs/ Reputed Educational
Institutions (Govt. recognized/ aided Schools/Colleges/ Universities/Research Institutes) /
employee of those schools, colleges having school account with us/ PSB Staff.
All existing account holders working with above offices or companies, upon their
request, are eligible under the scheme.
The account should be at least three months old, salary being credited in the account
atleast for last 3 months.
The account holder should have minimum 1 year of completed service and/or he
should be permanent employee.
Minimum The account can be opened and maintained at Zero Balance. The account holder will be
Balance allowed to maintain the A/c even at zero balance as long as he/she is associated with that
organization. In case of retirement, switch over to other organization, the account will be
treated as regular savings bank account, wherein he/she will have to maintain the required
minimum balance.(minimum balance charges)
Interest rate As per the extant rates for Savings bank account
offered for
credit balancet
Passbook Available
Facility
Overdraft Limit of Overdraft : Up to Two months "Net Salary"

Facility
Documents : As applicable to Clean overdraft facility
Documentation Charges: Actual stamp paper charges
Repayment : Next salary (ies) within a period of 6 months
Review of facility : Every year
44
PSB Mortgage
Purpose This is an all purpose credit facility i.e. to meet legitimate need based expenses viz- marriage
/medical /educational expenses / repairs / renovation / extension to the residence / commercial
property/ purchase of consumer durables or any unforeseen expenses, and also for investment in
business, to meet credit needs of trade, commercial activities, other bona fide requirements of
business/ profession
Eligibility Business Concerns (MSME) & Salaried Individuals who are income tax assesses;
Partnership firms, Proprietary firms, Companies (Pvt./Public Ltd.), HUFs, Trusts, Societies,
NRIs (subject to compliance of guidelines of Bank & RBI)
Age limit: Min 18 yrs, Max 65 yrs and owning residential/ commercial property.
Credit facility against agricultural property is strictly not permitted. Credit facility shall
not be permitted against security of immovable property wherein Educational/ Religious
Institutions are located. Vacant land may preferably be not taken as security under the scheme.
In case of Firms/Companies & Trusts, credit facility may be considered against the property
owned by Partner/Director/Trustee
The property of following close relatives may be considered subject to becoming of their co-
borrower in the facility
Spouse Father Mother Son Son’s Wife

Daughter Daughter’s Husband Brother Brother’s Wife Sister
Sister’s Husband Spouse’s Brother Spouse’s Sister Spouse’s Mother Spouse’s Father
Quantum Minimum: Rs 5 lacs Maximum Rs.500 lacs, (With deviations maximum finance can be upto Rs 1000
of Finance lacs)
Quantum For salaried persons: Maximum 10 times of average net annual income based on salary slip (last 12
of Finance months)/ latest Form No.16 or ITR.
is subject
to For others: Maximum 10 times of average net annual income based on ITR for last 3 Financial Years.
MPBF is subject to maximum of 50% of realizable value of immovable property.
Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC
Policies (Margin 10%) may be taken to supplement the overall security requirements.
The income of the spouse / major sons may be added if he/she is a co-borrower.
In case of Firms/ Companies/ Trusts/ HUF, Partners/ Directors/ Trustees/ Co-parceners with
regular & independent income may join as co-borrower to supplement repayment capacity.
Cash accruals/ Depreciation may also be added to income, in case of borrowers other than
salaried class.
45
Rate of Term Loan facilities (For MSME): 1 year MCLR + 2.50%
Interest Term Loan facilities (for others): 1 year MCLR + 2.75%
Overdraft facilities (For MSME): 1 year MCLR + 2.25%
Note: For loan/limit above Rs 500 lacs, applicable rate of interest shall be 50 bps over the above
mentioned rates.
Processing For Term Loan: @1% of the loan amount with Minimum of Rs.2000/-
Charges: For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on sanction and at the time
of renewal every year.
Concessions during Festival Bonanza Scheme from 21.09.2017 to 31.03.2018: For TL facilities:
Concession of 50% on the applicable processing charges , For Overdraft facilities: Concession of
50% on the applicable processing charges on the limit sanctioned at the time of sanction only.
However, the normal processing charges (i.e. without the above said concession) shall be applicable at
the time of renewal every year
Repaymen For Term Loan: Maximum 10 years

t For Overdraft Facility: Repayable on demand. The limit once sanctioned will hold good for 3 years.
The overdraft facility is not allowed for salaried class borrowers.
Guarantee Not Mandatory
Concession Concession of 0.25% in RoI for cases, where external credit rating is 1 to 4 by SMERA,
in ROI for ICRA, ONICRA or CRISIL
MSMEs Concession of 0.25% in RoI if account is classified under Priority Sector Advances.
Only
PSB Vyapar
Purpose For the working capital/any business purpose requirements of the business concern.
And also, for the construction of shop in the pre-owned land or for purchase of ready built shop/
commercial space for business
Eligibility Retail Traders/Wholesale Traders
Contractors
Professional and self employed
Micro, Small & Medium Enterprises Service/ Manufacturing concerns
(Borrowers satisfactorily engaged in trading/ business activity for a period atleast 1 year prior to seeking
credit under the scheme and having earned cash profit during the period )
Newly Established Entity /Venture are also eligible for credit facilities under the scheme based
on merits and on a case to case basis.
Credit facility against agricultural property is strictly not permitted. Credit facility shall
not be permitted against security of immovable property wherein Educational/ Religious
Institutions are located. Vacant land may preferably be not taken as security under the scheme.
46
The property of following close relatives may be considered subject to becoming of their co-
borrower in the facility

Quantum of Minimum: Rs 5 lacs,

Finance Maximum: Rs 500 lacs. (For purchase/construction of shop maximum finance is Rs 200 lacs)
(With deviations maximum finance can be upto Rs 1000 lacs)
Quantum of MPBF can be upto 20% of the projected turnover subject to the condition that projected
Finance is
subject to turnover shall not exceed 25% annual turnover of the previous year. Or, Maximum Permissible Bank
Finance can be upto 25% of the actual turnover.
MPBF is subject to maximum of 65% of realizable value of immovable property.
Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC Policies
(Margin 10%) may be taken to supplement the overall security requirements.
Rate of WCTL repayable upto 5 years: 1 year MCLR + 2.25%

Interest TL repayable upto 10 years: 1 year MCLR + 2.75%
For Overdraft facilities: 1 year MCLR + 2.00%.
Note: For loan/limit above Rs 500 lacs, applicable rate of interest shall be 50 bps over the above
mentioned rates.
Processing For TL/WCTL facilities: @1% of the loan amount with Minimum of Rs.2000/-
charges: For Overdraft Facilities: @ 0.50% of limit sanctioned and to be collected on sanction and at the time
Concessions during Festival Bonanza Scheme from 21.09.2017 to 31.03.2018: For TL/WCTL
facilities: Concession of 50% on the applicable processing charge, For Overdraft
facilities: Concession of 50% on the applicable processing charge on the limit sanctioned at the
time of sanction only. However, the normal processing charge (i.e. without the above said
concession) shall be applicable at the time of renewal every year.
Repayment Term Loan:Repayable in maximum upto 10 years, including moratorium period of maximum of 12 M
Working Capital Term Loan: Repayable in maximum upto 5 years, subject to annual review.
Overdraft Facility: Repayable on demand. Interest shall be recovered immediately when due.
Guarantee Personal guarantee of owners of property, spouse/ major son of prop., directors/partners
47
Concession in Concession of 1.00% in RoI for cases, where after maintaining the stipulated margin
ROI for
MSMEs Only requirements, the residual portion of the security offered as primary security to the credit facility is
available to the tune of 100% or more
Concession of 0.25% in RoI for cases, where external credit rating is 1 to 4 by SMERA, ICRA,
ONICRA or CRISIL
Concession of 0.25% in RoI if account is classified under Priority Sector Advances.
The maximum concessions in RoI under any of the Scheme shall not exceed 1.25% in any case.
PSB SME Liquid Plus
Purpose To provide timely, hassle-free and adequate credit delivery to meet the liquidity mis-matches and
expenses incurred on activities like R&D, Product Development, Marketing and Branding, stocking
the seasonally available raw material etc.
Eligibility Micro, Small & Medium Enterprises engaged in the manufacturing and services sector.
The existing MSMEs with good track record as well as new MSMEs having satisfactory
Due Diligence Report.
The MSMEs may be an Individual, Proprietor, Partnership firm, Private/Public Limited
Company, Co-operative Society.
Credit facility against agricultural property is strictly not permitted. Credit facility shall not
be permitted against security of immovable property wherein Educational/ Religious
Institutions are located. Vacant land may preferably be not taken as security under the
scheme.
The property of following close relatives may be considered subject to becoming of their
co-borrower in the facility

With a view to restrict the practice of diversions of funds and misutilization of the credit
facilities availed from the Bank by the business concerns to strengthen their financials with other
banks, it is advised that for the customers availing credit facilities under the PSB SME Liquid Plus
Schemes, the pre condition shall be to maintain the Working Credit Limit accounts with our Bank
only and not with any other bank/financial institution
Quantum Minimum: Rs 10 lacs Maximum Rs.500 lacs

of Finance
48
Quantum Need based credit facility with maximum of 65% of realizable value of immovable
of Finance
is subject property.
to The running account component is restricted to Rs 2 Cr within the overall limit, however
term loan as single component can be considered upto Rs 5 Cr.
Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC
Policies (Margin 10%) may be taken to supplement the overall security requirements.
Rate of Term Loan facilities repayable upto 5 years: 1 year MCLR + 1.85%
Interest Term Loan facilities repayable above 5 years: 1 year MCLR + 2.05%
For Overdraft facilities: 1 year MCLR + 1.60%
Processing For Term Loan: @1% of the loan amount with Minimum of Rs.2000/-
Charges: For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on sanction and at the
time of renewal every year.
Concessions during Festival Bonanza Scheme from 21.09.2017 to 31.03.2018: For TL facilities:
Concession of 50% on the applicable processing charge, For Overdraft facilities: Concession of
50% on the applicable processing fee on the limit sanctioned at the time of sanction only. However,
the normal processing charge (i.e. without the above said concession) shall be applicable at the time
Repayment For Term Loan: Maximum upto 7 years.

For Overdraft: Repayable on demand. Interest shall be recovered immediately when due.
Guarantee Personal guarantee of owners of property, spouse/ major son of prop., directors/partners
Concession Concession of 1.00% in RoI for cases, where after maintaining the stipulated margin
in ROI for
MSMEs requirements, the residual portion of the security offered as primary security to the credit facility is
Only available to the tune of 100% or more
Concession of 0.25% in RoI for cases, where external credit rating is 1 to 4 by SMERA,
ICRA, ONICRA or CRISIL
Concession of 0.25% in RoI if account is classified under Priority Sector Advances.
The maximum concessions in RoI under any of the Scheme shall not exceed 1.25% in any
case.
PSB Kisan Home Loan
Scheme PSB Kisan Home Loan Scheme
Purpose For purchase/ construction/ repair/ renovation/ upgradation of house situated in rural
and semi urban areas only.
49
Housing Loan under the scheme would be extended only through Rural & Semi
Urban Branches of the Bank.
Age Borrower in age group between 21 and 60 years.
Quantum of Finance Maximum Loan upto Rs. 20 Lac, subject to following sub-ceilings:-
a) Loan for purchase of plot not to exceed 20% of the loan sanctioned.
b) Loan for repair / renovation of house, not to exceed Rs.2 lacs.
Loan Eligibility based The net income or surplus after payment of loan installments and all other
on the Income of the deductions/liabilities should not be less than 40% of the gross income.
Borrower
Income of spouse, son(s) and daughter(s)-in-law of the borrower may also be

considered to arrive at the maximum permissible amount of loan.
Income to be arrived based on Income Tax Return/ Income Certificate issued by the
Tahasildar/ Mandal Revenue Officer/ District Revenue Authorities/ Patwari or any
competent authority taking into account extent of land holdings owned by the party,
type of crops cultivated, average market price of the crop, cost of cultivation of the
crop etc.
Security By way of Registered/ Equitable Mortgage of property for which housing loan is
sought, as per legal opinion.
However, where the mortgage of property for which housing loan is sought is not
possible, any of the following alternate securities may be considered:
a. Mortgageable property (other than agriculture and non alienated property)
having realizable value not less than 150% of the loan amount. The title of
such property must be clear, marketable and free from encumbrance.
b. LIC Policy having surrender value not less than 150% of the loan amount.
c. KVP, NSC having face value not less than 150% of the loan amount.
50
Margin Following minimum margin to be stipulated:
a) For Purchase of Plot - 40% of cost
b) For construction of House - 20% of cost of construction
c) For repair/renovation/upgradation - 20% of cost of repair etc.
d) For Purchase of House - 25% of the cost
Rate of Interest 1 year MCLR i.e. 8.40% at present
Processing Charges Processing charges are Nil during Festival Bonanza scheme Period i.e. upto
31.03.2018
Guarantee In case of Co-borrower: Obtaining of Guarantee may be waived.
In all other cases: Guarantee of spouse, Major son(s) or third party may be obtained,
if available
Repayment+ Maximum repayment period is 20 years, subject to the condition that the entire loan
amount including interest should be recovered before the borrower attains the age of
70 years.
The repayment should commence not later than 6 months from the date of release of
last disbursement ‘or’ 24 months from the date of first disbursement ‘or’ first harvest
of the crops after the date of completion of house, whichever is earlier. The interest
during the gestation period to be paid as and when it falls due.
PSB CONTRACTOR PLUS
51
Purpose a) Working capital: Fund Based & NFB facilities limits to meet day to day
requirement / materials / labour payment / statutory payments.
b) Term Loan: For purchase of Plant & Machinery / Equipment / Transport Vehicles to
be used for the execution of contract work.
c) Bank Guarantee: For bidding of tenders, mobilization of advance money,

performance of the contract, guarantee in favour of Central / State Govt & its various
departments and reputed Pvt. / Ltd. companies, guarantee for release of retention
money.
Eligibility MSME units engaged in the Contractor/ Subcontractor activity.

Sub-contractors executing work on behalf of main contractors are also eligible
under this provided sub letting is through registered agreement and all required
permission and licenses / registration are available.
Borrowers can be Individual(s) / Sole Proprietorship / Partnership firm/
HUF/Joint Venture/Joint Stock Company or any other entity engaged in this line of
activity.
Nature of Credit Working Capital facility: Overdraft against property (ODP).

facility
Term Loan
Non Fund: Bank guarantee
Quantum of Finance Minimum: Rs 10.00 Lakh
Maximum: Rs 2000.00 Lakh
80% of the realizable value of the property mortgaged
Rate of Interest For Overdraft facilities: 1 year MCLR + 2.00%
For Term Loan facilities repayable upto 10 years: 1 year MCLR + 2.75%
52
Security Equitable mortgage of immoveable property . 80% of the realizable value of the
property mortgaged
Repayment ODP : On demand.
Term Loan : Repayment in maximum upto 10 years
BG : Tenor of BG not to exceed 10 years.
Processing charges: For Term Loan/ Working Capital Term Loan: @1% of the loan amount with minimum
of Rs.2000/-.
For Overdraft Facility/ BG: @ 0.50% of limit.
PSB Flexi Term Loan
Type of facility PSB Flexi Term Loan is a pre approved term loan, bundled with PSB Contractor Plus,
with an aim to provide term loan assistance to contractors in a smooth and hassle free
manner.
Eligibility All MSME credit constituents having satisfactory credit history of

minimum 1year with bank and having working capital facility backed by property
as primary or collateral.
PSB flexi term loan will be sanctioned with working capital limit under PSB
Contractor Plus of Rs.1.00 Crore and above.
Purpose Term loan for purchase of machinery, equipment, commercial vehicles, furniture &
fixture.
Quantum of Finance Term loan of maximum 25% of the working capital limit.
Margin 25%
Repayment Period 5 years (60 EMI).
Processing Charges One time charges of 1.00% at the time of disbursement.
Rate of Interest One Year MCLR + 2.00%
53
PSB GOLD LOAN
Purpose Loans to individuals for productive (agriculture/allied activities, micro & small
enterprises etc.) and consumption purposes against the security of Gold
jewellery/Ornaments and Gold Coins.
Eligibility Fully KYC Compliant Customers including staff members and ex-staff and their
family members.
Nature of Credit 1) Demand Loan 2) Term Loan

facility
Quantum of Finance Minimum: Rs 1000.00
Maximum: Rs 25.00 Lakh
Rate of Interest • Loan /Limits up to Rs 2.00 Lakh : 1 year MCLR +

1.00%
• Loan /Limits above Rs 2 Lakh and up to Rs 10 Lakh : 1 year MCLR + 1.75

%
• Loan /Limits above Rs 10 Lakh and up to Rs 25 Lakh : 1 year MCLR +

2.25%
Scale of Finance 75/65% of value of gold ornaments/jewellery arrived at the rate per gram of gold
notified by the Bank on daily basis.
Repayment Demand Loan : On demand.
Term Loan : For Agriculture loans Max. repayment period upto 24 months.
For Other loans Max. repayment period upto 12 months.
Processing charges: • Loan/Limits up to Rs. 2.00 lakh : 500/-
• Loan/Limits above Rs. 2.00 lakh : 0.50% subject to a maximum of Rs.10000/-
Prime Minister Mudra Yojana
Avail Term Loan/Working Capital on easy terms Get Mudra Card & Give Wings to your Business. whose
credit needs are below ₹10 Lakh.
54
Under the aegis of Pradhan Mantri MUDRA Yojana (PMMY), MUDRA has created three products i.e.
'Shishu', 'Kishore' and ‘Tarun’ as per the stage of growth and funding needs of the beneficiary micro unit.
These schemes cover loan amounts as below:
 Shishu : covering loans up to ₹50,000
 Kishore : covering loans above ₹50,000 and up to ₹5,00,000
 Tarun : covering loans above ₹5,00,000 and up to ₹10,00,000
Bank branches would facilitate loans under Mudra scheme as per customer requirements. Loans under this
scheme are collateral free loans.
Retail Loan Schemes : Rate Of Interest
The following MCLR rates are w.e.f. 16/10/2019 to next review.
S. No Tenor Rate of Interest

(%)
1 Overnight MCLR 8.10
2 One Month MCLR (More than overnight upto 1 month) 8.20
3 Three Month MCLR (More than 1 Month and upto 3 Months) 8.30
4 Six Month MCLR (More than 3 Months and upto 6 Months) 8.40
5 One Year MCLR (More than 6 Months and upto 1 Year) 8.50
6 Three Year MCLR Applicable for any tenor More Than 1 Year 8.80
Review of Base Rate & BPLR:

Base Rate BPLR
9.70% 14.00%
PSB Apna Ghar

o Rate of interest: One Year MCLR irrespective of loan amount.
PSB Apna Vahan

CATEGORY RATE OF INTEREST (p.a.) (All Tenures)
New Four Wheeler Vehicle 1 Year MCLR + 0.25%
New Two Wheeler Vehicle 1 Year MCLR + 5.00%.
Old Four Wheeler Vehicle 55

1 Year MCLR + 3.00%.
PSB Education Loan
For higher studies in India & abroad:
Category Loan up to Rs.4 Lac Loan Above Rs.4 Lac & up to Above
Rs.7.50 Lac Rs.7.50 Lac
General Public One Year MCLR One Year MCLR +2.00% One Year
+2.00% MCLR
+1.50%
Concession in Interest No Concession 0.50% No

Concession
(if Collateral in addition to guarantee
is given)
 Additional concession of 0.50% for girl students
 Additional concession @1% to all borrowers on account of service of interest during moratorium
period.
 *All the concessions are subject to charging of minimum of One Year MCLR of the Bank.
PSB Skill Education Loan:
Category Rate of Interest (p.a.)
General Public One Year MCLR + 3.00%
PSB Excellence-Education Loan

(For students of IIMs, IITs and ISB (Hyderabad)
One Year MCLR + 1% at present. (No other concession is applicable).
PSB Personal Loans

Category Rate of interest(p.a.)
For Salaried Where deduction of installment from salary at source is available or salary disbursed through
Class
our branches:-
One Year MCLR + 4.75%presently with monthly rests.
In all other cases:-
One Year MCLR + 5.25% p.a. presently with monthly rests.
For Pensioners One Year MCLR + 4.00% , presently with monthly rests.
56
PSB Doctor Special
Category Rate of Interest (P.A.)
Upto Rs.50 lacs One Year MCLR + 2.50%
Above Rs.50 lacs & Upto Rs.1Crore One Year MCLR + 2.75%
Above Rs.1crore & Upto Rs.2 Crore One Year MCLR + 3.00%
PSB Sukhmoney (Reverse Mortgage Loan Scheme)

The rate of interest will be at fixed rate subject to minimum of bank’s One Year MCLR with reset clause every
five years
Category Rate of Interest (P.A.)

Loan amount up to Rs.20 lacs One Year MCLR +2.00%
Loan amount above Rs.20 lacs One Year MCLR + 2.50%
PSB Apna Ghar Top Up

Rate of Interest would be 100 basis points over and above the ROI charged on the existing housing loan.
PSB "Grow & Pay" Apna Ghar
The Rate of Interest for loans sanctioned under this scheme would be as charged on PSB Apna Ghar.
PSB Kisan Home Loan
One Year MCLR.
PSB SB OD Scheme (For Over Draft Facility)
Rate of interest (per annum): One Year MCLR +4%
PSB Commercial Vehicle
Loan upto Rs 25 lakhs: One Year MCLR + 2.25%
Loan above Rs 25 lakhs: One Year MCLR + 2.75%
PSB Mortgage
Term Loan facilities (For MSME): One year MCLR + 2.50%
Term Loan facilities (for others): One year MCLR + 2.75%
Overdraft facilities (For MSME): One year MCLR + 2.25%
Note: For loan/limit above Rs 500 lacs, applicable rate of interest shall be 50 bps over the above mentioned
rates.
57
PSB Vyapar
For Working Capital Term Loan facilities repayable upto 5 years: One year MCLR + 2.25%
For Term Loan facilities repayable upto 10 years: One year MCLR + 2.75%
For Overdraft facilities: One year MCLR + 2.00%
Note: For loan/limit above Rs 500 lacs, applicable rate of interest shall be 50 bps over the above mentioned
rates.
PSB SME Liquid Plus

For Term Loan facilities repayable upto 5 years: One year MCLR + 1.85%
For Term Loan facilities repayable above 5 years: One year MCLR + 2.05%
For Overdraft facilities: One year MCLR + 1.60%
Retail Loan Processing Charges
Sr. Retail Loan Schemes Processing Charges + GST (additional)

No
1 PSB Apna Ghar Concession offered during the Festival Campaign period
Processing Charges: Full waiver of processing charges.
Inspection Charges: Full waiver of Inspection Charges for the first
year but the same to be charged in subsequent years till the liquidation of loan as
per extant guidelines.
2 PSB Apna Ghar Top Up Loans upto Rs. 10 Lac- @ 0.15% of the loan amount, subject to minimum of
Rs. 1000/- and maximum of Rs. 3750/-
One-Time:
3 PSB Apna Vahan Concession offered during the Festival Campaign period
Processing Charges: Full waiver of processing charges for new Two
Wheeler & Four Wheeler Vehicle Loans.
Inspection Charges: Full waiver of inspection charges for new Two
Wheeler & Four Wheeler Vehicle Loans.
4 PSB Education Loan No processing / upfront charges may be levied on loans sanctioned under the
scheme. Borrower to deposit Rs. 2000/- (for studies abroad) in lieu of Processing
fee, in Saving account (to be kept under reserve, withdrawal thereof may be
allowed to the borrower only after full availment of the loan. Otherwise the same
be recovered as processing fee.
5 PSB Personal Loan One-Time:

1.00% of the loan amount.
58
6 PSB Doctors Special One time:
0.25% of the loan amount upto Rs.50 lacs.
0.50% of the loan amount above Rs.50 lacs and upto Rs. 2 crore
7 PSB Sukhmoney (Reverse One time:

Mortgage Scheme) 0.50% of the Loan amount subject to Maximum of Rs. 15,000.
8 PSB Commercial Vehicle One time:

1.00% of the loan amount
9 PSB Skill Education Loan Nil
10 PSB SB OD Scheme Nil
11 PSB Excellence Nil

Education Loan (For
students of IIMs, IITs and
ISB (Hyderabad)
12 PSB Kisan Home Loan Concession offered during the Festival Campaign period
Processing Charges: Full waiver of processing charges.
Inspection Charges: Full waiver of Inspection Charges for the first
year but the same to be charged in subsequent years till the liquidation of loan as
per extant guidelines.
13 PSB Mortgage For Term Loan: @1% of the loan amount with Minimum of Rs.2000/-
For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on

sanction and at the time of renewal every year.
14 PSB Vyapar Concession offered during the Festival Campaign period

Processing Charges
i. For TL/WCTL facilities: Concession of 50% in the applicable
processing fee on the TL/WCTL sanctioned.
ii. For Overdraft facilities: Concession of 50% in the applicable
processing fee on the limit sanctioned at the time of sanction only.
However, the normal processing fee (i.e. without any concession) shall
be applicable at the time of renewal every year.
15 PSB SME Liquid Plus For Term Loan: @1% of the loan amount with Minimum of Rs.2000/-
For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on

59
16 PSB Contractor Plus For Term Loan/Working Capital Term Loan: @1% of the loan amount with
Minimum of Rs.2000/-
For Overdraft Facility/BG: @ 0.50% of limit sanctioned and to be collected on

Profit Before Tax & Profit After Tax

PBT stands for Profit Before Tax, and PAT stands for Profit After Tax.
The graph visually shows how the net profit of the company stand reduced due to the impact of Tax.
60
INTERPETATION
Profit before and profit after tax is constantly declining in four proceeding previous years (2016 to 2019).
There was subsequent increase in both profit before tax and after tax in year 2016 but it start declining and
profits become negative.
Total Assets & Asset Turnover Ratio

Total Assets is the sum of all assets, current and fixed. The asset turnover ratio measures the ability of a
company to use its assets to efficiently generate sales. The higher the ratio indicates that the company is
utilizing all its assets efficiently to generate sales. Companies with low profit margins tend to have high asset
turnover.
61
INTERPETATION
There is not much difference in total assets in Punjab and Sind bank from year 2015 to 2019. Asset turnover
ratio is constant in three years 2017 to 2019 but there was a slight decline in 2016 and 2017.
Net Interest Income

Net Interest Income is the difference between interest payments the company receives on loans outstanding
and interest payments the company makes to customers on their deposits.
62
INTERPETATION
Net interest income is subsequently increasing from 2015 to 2019. The fact to recognize is that there is great
increase in net interest income in 2015 to 2016.
Profit Before Tax

Profit before tax deducts all expenses from revenue including interest expenses and operating expenses,
excluding tax. Since taxes change every year, PBT gives investors a good idea about the company profits every
year.
63
INTERPETATION
Profits before tax are constantly declining from 2016 to 1019 and become negative in nature but there was a
tremendous increase in profit before tax in 2015 between 2016.
Profit After Tax

Profit after tax, also referred as the bottom-line, is a measure of the profitability of the company after
deducting all its expenses.
64
INTERPETATION
There is increase in profit after tax in 2019 but profit after tax is constantly declining from 2016 to 2018 and
there was a great increase in profit after tax in 2016 but there was a tremendous decrease in 2018 .
Net worth
Net worth is the difference between a company's total assets and its total liabilities. It is also known as
shareholder`s equity.
65
INTERPETATION
There is no much difference in net worth of Punjab and Sind bank there was a subsequent increase from 2015
to 2018 and decrease in 2019.
Dividend
Dividend is a payment made by a company to its shareholders usually as a distribution of profits. When a
company makes profit it can either re-invest it in the business or it distribute it to its shareholders by way of
dividends. The dividend payout ratio is the amount of dividends paid to shareholders relative to the amount of
total net profit of a company.
66
A reduction in dividends paid is not appreciated by investors and usually the stock price moves down as this
could point towards difficult times ahead for the company. On the other hand a stable dividend payout ratio
indicates a solid dividend policy by the company's management.
INTERPETATION
There was increase in equity dividend in 2015 to 2016 but been zero in three preceding previous year 2017 to
2019, so is equity dividend percentage which increase to been negative in 2015 to a positive equity dividend
percentage in 2016 but remain zero in next preceding years 2017 to 2019.
Book Value (Rs)

Book value is a company's assets minus its liabilities. In simple terms it would be the amount of money that a
share holder would get if a company were to liquidate.
67
INTERPETATION
There was a great decline in book value of Punjab and Sind bank from 2017 to 2018 and kept declining till
2019 but there was slight increase in book value from 2016 to 2017 which gradually decrease in a big number
in 2018.
Deposits & Advances

Deposits are liability to banks, which need money to lend. It is the amount that any citizen (resident or no-
resident) keep with the bank subject to some regulatory compliance. In turn, banks pay interest on deposits. It
is considered the safest form of investment. Deposits are of two types current and savings deposits (CASA) as
well as term deposits.
68
Advance is the amount that banks lend to individuals and companies. They charge interest on loans. Interest
rates vary depending on the terms and conditions of such credit. Banks raise money to lend through different
sources like deposits, money market and so on.
The difference between credit and deposits, is expressed as CD ratio in banking parlance. Neither an extreme
lower nor higher CD ratio is good for banks. Generally, a high CD ratio means credit growth is higher than
deposit growth. Alternatively, it also suggests, banks may be hiring more from debt market than deposits. A
lower CD ratio means, deposit growth is higher than credit expansion.
INTERPETATION
For advances we can see a downward curve from 2015 to 2019 , advances keep deceasing from 2015 to 2017
and increase from 2017 to 2019. As for deposits there was a slight increase in 2016 but it decline in 2017, in
2018 there was a good amount of increase in deposits, again a slight decrease in 2019.
Capital Adequacy Ratio

Capital Adequacy Ratio (CAR) is the measure of a bank's capital and expressed in percentage term. In simple
terms, this capital is set aside by banks to protect depositors. A lower CAR means a bank is prone to the risk of
going burst in case of any crisis. However, a very high CAR means, the bank is not doing enough business.
69
INTERPETATION
There is not much difference in capital adequacy ratio in five preceding previous years(2015 to 2019) there
was a slight decrease in 2016 but kept increasing till 2018 and decline again in 2019.
3. Data Analysis
Formula and Basic Concepts on Ratio analysis
70
Financial statement analysis:
A sustainable business and mission requires effective planning and financial management. Ratio
analysis is a useful management tool that will improve the understanding of financial results and
trends over time, and provide key indicators of organizational performance. Managers will use
ratio analysis to pinpoint strengths and weaknesses from which strategies and initiatives can be
formed. Financial statement analysis is an evaluative method of determining the past, current and
projected performance of a company.
For ratios to be useful and meaningful, they must be:
o Calculated using reliable, accurate financial information
o Calculated consistently from period to period
o Used in comparison to internal benchmarks and goals
o Used in comparison to other companies in the industry
o Viewed both at a single point in time and as an indication of broad trends and issues over time
o Carefully interpreted in the proper context, considering there are many other important factors
and indicators involved in assessing performance.
o To provide analytical information to all interested parties.
o To justify and analyze the earning capacity of the firm
o To justify and analyze the financial position of the firm
o To evaluate operations of the firm.
o To evaluate progress of the business of the firm
o To utilize resources properly and effectively
o To analyze and evaluate management efficiency.
Purpose and use of ratio analysis:

A primary advantage of ratios is that they can be used to compare the risk and return
relationships of firms of different sizes. Ratios can also provide a profile of a firm, its economic
characteristics and competitive strategies, and its unique operating, financial and investment
characteristics. Four broad categories measure the different aspects of risk and return
relationships:
1. Activity analysis – evaluates revenue and output generated by the firm’s assets
2. Liquidity analysis – measures the adequacy of a firm’s cash resources to meet its near-term
cash obligations.
3. Long-term debt and solvency analysis – examines the firm’s capital structure, including the
mix of its financing sources and the ability of the firm to satisfy its long term debt and
investment obligations.
4. Profitability analysis – measures the income of the firm relative to its revenues and invested
capital.
Importance of ratio analysis:
o Ratio analysis simplifies and summarizes complex accounting figures and arranges them
systematically for use by different parties.
o It measures and evaluates the financial condition and operating effectiveness of a business
institution.
o It aids in diagnosing the financial health of the business. By calculating and studying different
ratios one can analyze the weaknesses and strengths of the business.
o By analyzing the past performance future can be projected and predicted.
71
o It promotes coordination by studying the efficiency and deficiency of different parts of the
business.
o It assists in communication by conveying necessary information to all related parties.
o It facilitates the effective control of business operations by means of appraisal targets both
physical and monetary.
Types of ratio:
A: Liquidity ratio - ratios that show the relationship of a firm’s cash and other current assets to its
current liabilities. This includes (i) Current ratio (ii) Quick ratio
B: Asset management ratio - A set of ratios that measures how effectively a firm is managing its assets.
This includes (i) Inventory turnover ratio (ii) Days sales outstanding or average collection period (iii)
Fixed asset turnover (iv) Total asset turnover
C: Debt management ratio - ratios that show the relationship of a firm’s total debt, equity and total
assets. This includes (i) Debt ratio (ii) Debt-equity ratio (iii) Times interest earned ratio (iv) Fixed charge
coverage ratio
D: Profitability ratio - a group of ratios showing the effect of liquidity, asset management and debt
management on operating results. This includes (i) Gross profit margin (ii) Operating profit margin (iii)
Net profit margin (iv) Return on total asset (v) Return on common equity (vi) Operating expense ratio
E: Market value ratio – a set of ratios that relate the firm’s stock price to its earnings and book value
per share. Ratios under this are (i) Price/earnings ratio (ii) Market value/book value ratio.
Ratios may be classified into the following types depending upon the statements from which they are
derived:
(a) Balance sheet ratio: Ratios calculated on the basis of the figures drawn from the balance sheet.
Current ratio, Quick ratio etc.
(b) Profit and loss account ratio: Ratios calculated on the basis of the figures drawn from profit and
loss account. Gross profit ratio, net profit ratio etc.
(c) Composite ratios: Ratios calculated on the basis of the figures drawn from both balance sheet and
profit and loss account. Sales turnover, accounts receivable turnover etc. Ratios as a tool of financial
analysis may be classified into the following types:
(a) Short-term solvency ratios – Current ratio and quick ratio etc.
(b) Financial structure ratios – Debt to equity ratio and debt ratio etc.
(c) Profitability ratios – Return on capital employed and return on total assets etc
Advantage of Ratio Analysis

Ratio analysis is necessary to establish the relationship between two accounting figures to highlight the
significant information to the management or users who can analyze the business situation and to monitor
their performance in a meaningful way. The following are the advantages of ratio analysis:
 It facilitates the accounting information to be summarized and simplified in a required form.
 It highlights the inter-relationship between the facts and figures of various segments of business.
 Ratio analysis helps to remove all type of wastages and inefficiencies.
 It provides necessary information to the management to take prompt decision relating to business.
 It helps to the management for effectively discharge its functions such as planning, organizing,
controlling, directing and forecasting.
 Ratio analysis reveals profitable and unprofitable activities. Thus, the management is able to
concentrate on unprofitable activities and consider to improve the efficiency.
72
 Ratio analysis is used as a measuring rod for effective control of performance of business
activities.
 Ratios are an effective means of communication and informing about financial soundness made by
the business concern to the proprietors, investors, creditors and other parties.
 Ratio analysis is an effective tool which is used for measuring the operating results of the
enterprises.
 It facilitates control over the operation as well as resources of the business.
 Effective co-operation can be achieved through ratio analysis.
 Ratio analysis provides all assistance to the management to fix responsibilities.
 Ratio analysis helps to determine the performance of liquidity, profitability and solvency position
of the business concern.
Limitations of Ratio Analysis

Ratio analysis is one of the important techniques of determining the performance of financial strength
and weakness of a firm. Though ratio analysis is relevant and useful technique for the business concern,
the analysis is based on the information available in the financial statements. There are some situations,
where ratios are misused; it may lead the management to wrong direction. The ratio analysis suffers from
the following limitations:
1. Ratio analysis is used on the basis of financial statements. Number of limitations of financial
statements may affect the accuracy or quality of ratio analysis.
2. Ratio analysis heavily depends on quantitative facts and figures and it ignores qualitative data.
Therefore this may limit accuracy.
3. Ratio analysis is a poor measure of a firm's performance due to lack of adequate standards laid for
ideal ratios.
4. It is not a substitute for analysis of financial statements. It is merely used as a tool for measuring the
performance of business activities.
5. Ratio analysis clearly has some latitude for window dressing.
6. It makes comparison of ratios between companies which is questionable due to differences in methods
of accounting operation and financing.
7. Ratio analysis does not consider the change in price level, as such, these ratio will not help in drawing
meaningful inferences.
Key Financial Ratios of Punjab & Sind Bank
Mar '19 Mar '18 Mar '17 Mar '16 Mar '15
Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00
Dividend Per Share -- -- -- 1.65 0.60
Operating Profit Per Share (Rs) 9.80 11.11 17.64 20.91 9.81
Net Operating Profit Per Share (Rs) 151.50 140.71 204.11 218.38 214.49
73
Free Reserves Per Share (Rs) -- -- -- -- --
Bonus in Equity Capital -- -- -- -- --
Profitability Ratios
Interest Spread 6.17 6.52 7.22 6.70 5.75
Adjusted Cash Margin(%) -5.94 -7.96 2.78 4.13 1.85
Net Profit Margin -6.35 -9.35 2.46 3.84 1.41
Return on Long Term Fund(%) 95.06 82.79 95.43 118.37 126.11
Return on Net Worth(%) -9.53 -12.03 3.27 5.62 2.16
Adjusted Return on Net Worth(%) -9.53 -12.03 3.27 5.62 2.16
Return on Assets Excluding Revaluations 100.93 109.45 153.40 149.10 139.76
Return on Assets Including Revaluations 100.93 109.45 153.40 149.10 139.76
Management Efficiency Ratios
Interest Income / Total Funds 7.68 7.56 8.20 8.73 8.93
Net Interest Income / Total Funds 2.05 2.12 2.17 2.17 1.75
Non Interest Income / Total Funds 0.74 0.55 0.58 0.48 0.45
Interest Expended / Total Funds 5.64 5.43 6.04 6.56 7.19
Operating Expense / Total Funds 1.55 1.53 1.46 1.34 1.34
Profit Before Provisions / Total Funds 1.25 1.09 1.25 1.27 0.81
Net Profit / Total Funds -0.49 -0.71 0.20 0.34 0.13
Loans Turnover 0.13 0.13 0.13 0.14 0.14
Total Income / Capital Employed(%) 8.43 8.11 8.79 9.21 9.38
Interest Expended / Capital Employed(%) 5.64 5.43 6.04 6.56 7.19
Total Assets Turnover Ratios 0.08 0.08 0.08 0.09 0.09
Asset Turnover Ratio 0.08 0.08 0.08 0.09 0.09
Profit And Loss Account Ratios
Interest Expended / Interest Earned 73.36 71.88 73.58 75.12 80.45
Other Income / Total Income 8.82 6.81 6.61 5.19 4.75
Operating Expense / Total Income 18.39 18.85 16.61 14.51 14.27
Selling Distribution Cost Composition 0.03 0.01 0.01 0.01 --
Balance Sheet Ratios
Capital Adequacy Ratio 10.71 11.25 11.05 10.91 11.24
Advances / Loans Funds(%) 66.94 68.66 63.90 69.53 72.25
Debt Coverage Ratios
Credit Deposit Ratio 67.78 66.70 69.15 71.80 70.64
Investment Deposit Ratio 29.54 32.54 31.45 30.57 32.11
Cash Deposit Ratio 5.59 5.67 4.63 4.26 5.01
Total Debt to Owners Fund 17.76 17.05 14.41 15.76 16.04
Financial Charges Coverage Ratio 1.22 1.21 1.21 1.20 1.12
Financial Charges Coverage Ratio Post Tax 0.91 0.88 1.04 1.06 1.02
Leverage Ratios
Current Ratio 0.06 0.06 0.05 0.05 0.02
Quick Ratio 39.77 36.37 33.65 28.83 29.05
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit -- -- -- 19.66 19.79
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Dividend Payout Ratio Cash Profit -- -- -- 17.30 14.35
Earning Retention Ratio 100.00 100.00 100.00 80.34 80.21
Cash Earning Retention Ratio -- -- 100.00 82.70 85.65
Adjusted Cash Flow Times -- -- 351.23 239.06 518.05
INTERPETATION AND ANALYS
 Profit before Tax & Profit after Tax

Profit before and profit after tax is constantly declining in four proceeding previous years (2016 to 2019).
There was subsequent increase in both profit before tax and after tax in year 2016 but it start declining and
profits become negative.
 Total Assets & Asset Turnover Ratio

There is not much difference in total assets in Punjab and Sind bank from year 2015 to 2019. Asset
turnover ratio is constant in three years 2017 to 2019 but there was a slight decline in 2016 and 2017.
 Net Interest Income

Net interest income is subsequently increasing from 2015 to 2019. The fact to recognize is that there is
great increase in net interest income in 2015 to 2016.
 Profit Before Tax

Profits before tax are constantly declining from 2016 to 1019 and become negative in nature but there was
a tremendous increase in profit before tax in 2015 between 2016.
 Profit After Tax

There is increase in profit after tax in 2019 but profit after tax is constantly declining from 2016 to 2018
and there was a great increase in profit after tax in 2016 but there was a tremendous decrease in 2018 .
 Net worth
There is no much difference in net worth of Punjab and Sind bank there was a subsequent increase from
2015 to 2018 and decrease in 2019.
 Dividend
There was increase in equity dividend in 2015 to 2016 but been zero in three preceding previous year 2017
to 2019, so is equity dividend percentage which increase to been negative in 2015 to a positive equity
dividend percentage in 2016 but remain zero in next preceding years 2017 to 2019.
 Book Value (Rs)

There was a great decline in book value of Punjab and Sind bank from 2017 to 2018 and kept declining till
2019 but there was slight increase in book value from 2016 to 2017 which gradually decrease in a big
number in 2018.
 Deposits & Advances

For advances we can see a downward curve from 2015 to 2019 , advances keep deceasing from 2015 to
2017 and increase from 2017 to 2019. As for deposits there was a slight increase in 2016 but it decline in
2017, in 2018 there was a good amount of increase in deposits, again a slight decrease in 2019.
 Capital Adequacy Ratio
75
There is not much difference in capital adequacy ratio in five preceding previous years(2015 to 2019) there
was a slight decrease in 2016 but kept increasing till 2018 and decline again in 2019.
 Basic earnings per share (Rs.)

Basic earnings per share is a rough measurement of the amount of a company's profit that can be allocated
to one share of its common stock. Businesses with simple capital structures, where only common stock has
been issued, need only release this ratio to reveal their profitability.
Basic EPS was 3.59 in 2015 which increase to 8.39 which keep declining till 2018 and there was a slight
increase in 2019(-13.16 to -9.62)
 Diluted earnings per share (Rs.)

Diluted earnings per share, also called diluted EPS, is a profitability calculation that measures the amount
of income each share will receive if all of the dilutive securities are realized. This calculates the amount of
income that is available to the current common shareholders of the company.
Diluted EPS was 3.59 in 2015 which increased in 2016 but kept declining till 2018 and slight increase in
2019.
 Cash Earnings per Share (Rs.)

Cash Earnings per Share, also called Cash EPS, is a profitability ratio that measures the financial
performance of a company by calculating cash flows on a per share basis. Cash EPS ignores' all the non-
cash items impacting the normal EPS to provide the real earnings generated by the business.
Same as basic and diluted ESP cash ESP was 4.18 in 2015 but kept declining till 2018 and there was a
slight increase in 2019 but the numbers were in negative nature.
 Operating Revenue / Share (Rs.)

The operating ratio shows the efficiency of a company's management by comparing the total operating
expense (OPEX) of a company to net sales. The operating ratio shows how efficient a company's
management is at keeping costs low while generating revenue or sales.
Operating revenue was 214.49 in 2015 increase slightly in 2016 to 218.38 but kept reducing till 2018 but
there was a slight increase in 2019 to 151.50.
 Net profit /Share (Rs.)

There was a tremendous amount of increase in 2016 from 2015 (3.03 to 8.39) but kept declining till 2018
and a slight increase in 2019 (-13.17 to -9.62).
Key Performance Ratios
 Net profit margin (%)

Net profit margin is the percentage of revenue left after all expenses have been deducted from sales. The
measurement reveals the amount of profit that a business can extract from its total sales. The net sales part
of the equation is gross sales minus all sales deductions, such as sales allowances.
There was increase in net profit margin from to 2015 to 2016 but kept declining till 2018 and in 2019 there
was a slight increase.
 Operating Profit Margin (%)

In business, operating margin—also known as operating income margin, operating profit margin, EBIT
margin and return on sales —is the ratio of operating income to net sales, usually presented in percent. Net
profit measures the profitability of ventures after accounting for all costs.
Operating profit margin of Punjab and Sind bank is negative in nature (2015 to 2019)there was increase in
2016 but slight decrease in 2017 but from 2018 there been a great amount of decrease.
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 Return on assets (%)
The return on assets shows the percentage of how profitable a company's assets are in generating revenue.
ROA can be computed as below: This number tells you what the company can do with what it has, i.e.
how many dollars of earnings they derive from each dollar of assets they control.
Return on assets increased in 2016 (0.12 to 0.32) kept declining till 2018 (0.20 to -0.65)and become
negative in nature but there was a slight increase in 2019.
 Net Interest Margin (X)

Net interest margin is a measure of the difference between the interest income generated by banks or other
financial institutions and the amount of interest paid out to their lenders, relative to the amount of their
assets. It is similar to the gross margin of non-financial companies.
There was constant increase in net interest margin 2015 to 2017 (1.71 to 2.23), there was a decrease in
2018 but increase again in 2019 (1.96 to 2.09).
 Cost-to-income ratio (%)

Cost-to-income ratio (also called the cost/income ratio or C/I ratio) is the measure of the costs of running a
company in relation to its operating income. ... The ratio gives investors a clear view of how efficiently the
company is being run – the lower the C/I ratio is, the more profitable it should be.
There was a constant amount of increase in cost to income ratio 2015 to 2018 (22.03 to 41.73)but in 2019
there was a decrease of 41.73 to 38.89.
 Interest Income/Total Assets (%)

The "Interest income to total assets ratio" reflect banks' reliance on interest from bank lending as a source
of funding. A high ratio is a good indicator (but a too high ratio is not necessarily a good indicator), while
a low ratio might indicate that banks rely on non-interest source of funds.
Interest income to total assets ratio was almost constant in three years(2015 to 2017)there was a decrease
in 2018 but slight increase in 2019.
 Non-Interest Income/Total Assets (%)

Non-interest income is bank and creditor income derived primarily from fees including deposit and
transaction fees, insufficient funds (NSF) fees, annual fees, monthly account service charges, inactivity
fees, check and deposit slip fees, and so on. Credit card issuers also charge penalty fees, including late fees
and over-the-limit fees. Institutions charge fees that generate non-interest income as a way of increasing
revenue and ensuring liquidity in the event of increased default rates.
Non-Interest Income/Total Assets almost remain same in four constitutive years (2015 to 2018), in 2019
there was quite a increase (0.51 to 0.76).
 Operating Profit/Total Assets (%)

It is defined as the ratio between net income and total average assets, or the amount of financial and
operational income a company receives in a financial year as compared to the average of that
company's total assets.
Operating Profit/Total Assets of Punjab and Sind bank was always negative in nature. In 2017 to 2018
there was quite a increase (-0.39 to-1.16).
 Interest Expenses/Total Assets (%)

An interest expense is the cost incurred by an entity for borrowed funds. ... It represents interest payable
on any borrowings – bonds, loans, convertible debt or lines of credit. It is essentially calculated as
the interest rate times the outstanding principal amount of the debt.
77
There was a noticeable increase in 2016 to 2017(1.34 to 1.54) after that it almost remain same in
upcoming years after 2017.
Per Employee Ratios
 Interest Income/ Employee (Rs.)

Interest per employee—calculated as a company's total interest income divided by its current number of
employees—is an important ratio that roughly measures how much money each employee generates for
the firm. The interest-per-employee ratio is most useful when comparing it against that of other companies
in the same industry, or looking at historical changes in a company's own ratio.
There was a constant declining in Interest Income/ Employee from 2015 to 2018 but in 2019 there was
slight amount of increase.
 Net Profit/ Employee (Rs.)

Net Income per employee is a company's net income divided by the number of employees. This number
shows the company how efficient it is with its employees. Theoretically, the higher the net income per
employee the better.
There was a good amount of increase in Interest Income/ Employee in 2016 but kept reducing till 2018
and again a slight increase in 2019 was seen.
 Business/ Employee (Rs.)

The name indicates how the sales/employee ratio is calculated: a company's annual sales divided by its
total employees. A higher sales-per-employee ratio indicates that the company can operate on low
overhead costs, and therefore do more with less employees, which often translates into healthy profits.
It remain almost same in two years (2015 and 2016) slightly reduce in 2017,and kept increasing till 2019.
Per Branch Ratios

 Interest Income/ Branch (Rs.)
Branch interest, which is interest paid by a branch's U.S. trade or business, is considered U.S.
source income and is subject to U.S. withholding tax at a rate of 30%, unless the tax is reduced or
eliminated by a specific treaty or Code provision. Excess interest can be reduced only by the foreign
corporation's treaty.
It remain almost same in two years (2015 and 2016) slightly reduce till 2018 and again in 2019 there was
tremendous amount of increase was seen.
 Net Profit/ Branches (Rs.)

Formula: Profit Per Branch = Net Profit/ No. of Branches. Purpose to apply this ratio: Net profit is the
difference between income and expenditure, which indicates profitability at each branch level and the
same time, indicates its efficiency.
There was increase in 2016 but kept reducing till 2018 and in 2019 a slight increase was noticeable.
 Business/ Branches (Rs.)

A branch of a business or other organization is one of the offices, shops, or groups which belong to it and
which are located in different places. ... A branch of an organization such as the government or the police
force is a department that has a particular function.
It was almost same in two years (2015 and 2016) then there was a redection 2017 but it kept increasing till
2019.
Valuation Ratios
 Enterprise Value (Rs. Cr)
78
Enterprise value, total enterprise value, or firm value is an economic measure reflecting the market value
of a business. It is a sum of claims by all claimants: creditors and shareholders.
It was a zigzag curve for value of the firm increase in 2016 decrease in 2017 again increase in 2018 again
decrease in 2019.
 EV Per Net Sales (X)

Enterprise value-to-sales (EV/sales) is a valuation measure that compares the enterprise value (EV) of a
company to its annual sales. EV-to-sales gives investors a quantifiable metric of how much it costs to
purchase the company's sales.
It almost remained same in three years (2015 to 2017) then there was increase in 2018 then again slight
decrease in 2019.
 Price To Book Value (X)

The price-to-book ratio compares a company's market value to its book value. The market value of a
company is its share price multiplied by the number of outstanding shares. The book value is the net assets
of a company.
It almost remained same in five years (2015 to 2019) with slight decrease in 2017 but again there was a
increase again in 2018.
 Price To Sales (X)

The price-to-sales ratio (Price/Sales or P/S) is calculated by taking a company's market capitalization (the
number of outstanding shares multiplied by the share price) and divide it by the company's total sales or
revenue over the past 12 months. The lower the P/S ratio, the more attractive the investment.
It almost remained same in five years (2015 to 2019) with slight decrease in 2017 but again there was a
increase in 2018.
 Retention Ratios (%)

Retention ratio indicates the percentage of a company's earnings that are not paid out in dividends but
credited to retained earnings. It is the opposite of the dividend payout ratio, so that also called the retention
rate.
Retention ratio slightly increase from 80.20 to 80.33 (2015 to 2016) and remain same in next constitutive
years 2017 to 2019.
 Earnings Yield (X)

The earnings yield refers to the earnings per share for the most recent 12-month period divided by the
current market price per share. The earnings yield (which is the inverse of the P/E ratio) shows the
percentage of how much a company earned per share.
There was increase in earnings yield from 0.07 to 0.24 (2015 to 2016) but there was a decrese again in
2017 and it kept reducing till 2019 and become negative in nature .
Leverage Ratios
 Current Ratio
The current ratio is a liquidity ratio that measures whether a firm has enough resources to meet its short-
term obligations. It compares a firm's current assets to its current liabilities, and is expressed as follows:
The current ratio is an indication of a firm's liquidity.
Current ratio increase to 0.2 to 0.05 (2015 to 2016) and remain same till 2017 increase to 0.06 and remain
same till 2019.
 Quick Ratio
In finance, the quick ratio, also known as the acid-test ratio is a type of liquidity ratio, which measures the
ability of a company to use its near cash or quick assets to extinguish or retire its current liabilities
immediately.
79
Quick ratio remains almost same between 2015 and 2016 and kept increasing till 2019 (28.83 to 39.77).
Debt Coverage Ratios
 Credit Deposit Ratio

It is the ratio of how much a bank lends out of the deposits it has mobilised. It indicates how much of a
bank's core funds are being used for lending, the main banking activity. A higher ratio indicates more
reliance on deposits for lending and vice-versa .
There was slight increase in 2016 but decrease till 2017 (71.80 to 66.70) increase again in 2019.
 Investment Deposit Ratio

The deposit ratio refers to the deposits raised by the bank from saving account, current account,
Recurring deposit account and Fixed account But all these are income to bank which earns a interest to the
bank as well as the individual who has deposited the same in the bank, and once again these money will be
invested
There was slight decline in 2015 but kept increasing till 2017 but decease again in 2019 (32.54 to 29.54).
 Cash Deposit Ratio

Cash Deposit ratio (CDR) is the ratio of how much a bank lends out of the deposits it has mobilised. It
indicates how much of a banks core funds are being used for lending, the main banking activity. It can also
be defined as Total of Cash in hand and Balances with RBI divided by Total deposits.
There was slight decline in 2015 but kept increasing till 2017 but slightly decease again in 2019(5.67 to
5.59).
 Total Debt to Owners Fund

The total debt-to-capitalization ratio is a tool that measures the total amount of outstanding
company debt as a percentage of the firm's total capitalization. The ratio is an indicator of the company's
leverage, which is debt used to purchase assets.
Total Debt to Owners Fund kept declining till 2017 (16.04 to 14.41) and kept increasing till 2019 (14.41 to
17.76).
 Financial Charges Coverage Ratio

The fixed charge coverage ratio is a financial ratio that measures a firm's ability to pay all of its fixed
charges or expenses with its income before interest and income taxes. The fixed charge coverage ratio is
basically an expanded version of the times interest earned ratio or the times interest coverage ratio.
It almost remain same in five constitutive years (2015 to 2019) it kept increasing till 2017 and remain
same till 2018 and slighlty increase again in 2019.(1.21 to 1.22).
Chapter-4: Summary & Conclusions

Findings / Results
 Findings:
 Punjab and Sind bank is best small bank in India, their commitment to help the weaker section of
society is remarkable.
 There is a rapid growth in loans and advances that shows the Punjab and Sind bank is helping the
financial needy people by providing loans and advances at the low rate of interest.
 From the analysis we can conclude that the performance of the bank over the years is good even with
high competitive environment and certain limitations at a few areas of the bank.
80
 As per the personal experience working in Punjab and Sind bank, many consumers do not pay their
payments and locker payment on time.
 The bank operations are fluctuating year by year. Profit position of the bank is increased this shows the
effective working of the bank.
 Bank has fewer explorers to globalization world.
 The bank have less branches throughout state as compare to other government banks(like state bank of
India etc).
 Lengthy procedures and time taking- As per the personal experience working in Punjab and Sind bank,
it was seen basic activities like opening an account or applying for a loan took days to complete.
 Lessons Learnt:
Experience
o Allover experience was quite rewarding, most of the employees were friendly in nature and
through this internship I was able to analysis the basic corporate environment. I acquired and
learned new skills. I was able to see the workload employees have and how they cope up with
it. I was privilege to learn about banks various products and processors from a closer look.
They were flexible with the timing and workload given to me which helped me in a slightest
way. I learned how to manage legers and account details regarding locker payment. We also
were required to interact with customers regarding their passbook collection and locker
payments. In end I felt privilege to land a internship in a esteem organization like Punjab and
Sind where I got a outlook of the corporate world and expand my knowledge base.
Uniqueness
o Products and services are mostly or we can say mainly focused on weaker section of society
 Suggestions:
This project started with understanding the basic financial structure of the bank. It then go on
understanding the financial status in detail. This project also highlight the practical aspects,
experience gained during internship and key learning derived from it. This project will help one
understand the basic aspects of corporate finance. The readers will come to know about Punjab
and Sind Bank. The various product and services offered by the bank is discussed.
The students should be sent to the PSB for the summer training in the future.
It helps in increasing the self-confidence and improvement in common banking operational
skills.
Although the bank is functioning well it is expected the quality of work should exceed customer
expectation, it should also improve its functioning style to improve the customer needs. Below
are some suggestions:
81
 Strong promotion activities should be increased to motivate its present potential loans related clients.
 As per the personal experience working in Punjab and Sind bank, many consumer were seen
dishearten because they didn’t fulfill all the requirements. The bank can law and order should be
easier so that the borrower can apply for more loans easily.
 The bank should try to increase its recovery amount since loan amount each year has been increased.
The bank induce quality client and select best project for risk rate of interest.
 The bank should update its loans and advances strategy in sustainable and appropriately enough to
survive in the market.
 As per the personal experience working in Punjab and Sind bank, bank should innovate its services
and product more with respect to the need of consumer and clients.
 Punjab and Sind bank should improve their work environment with better technology advancements
and provide training to their employees to increase their work efficiency
 The bank should take measures to reduce the time taken in banking procedures and process.
 Punjab and Sind bank should open more branches and atm facilities more throughout the states and
all over India.
Bibliography
Websites
 Firoz, M., Ansari, A. A., & Akhtar, K. (2011). IFRS-impact on Indian banking industry.
International Journal of Business and Management, 6(3), 277-283.
 Bodla, B. S., & Verma, R. (2006). Determinants of profitability of banks in India: A multivariate
analysis. Journal of Services Research, 6(2), 75-89.
 Selvarajan, B., & Vadivalagan, G. (2013). A study on management of non performing assets
in priority sector reference to Indian bank and public sector banks (PSBs). Global Journal of
Management and business research.
82
 Arunkumar, R., & Kotreshwar, G. (2006). Risk management in commercial banks (A case
study of public and private sector banks). In Indian Institute of Capital Markets 9th Capital
Markets Conference Paper.
 https://www.psbindia.com/ downloaded on 10.09.2019.
 https://www.psbindia.com/content/investors-information downloaded on
15.07.2019.
 https://www.moneycontrol.com/ downloaded on 10.09.2019.

Books and journals:

 Documentation for loans and advances of corporate banks in India, Kashem,M.A
Appendices
Punjab & Sind Bank

Cash Flow ------------------- in Rs. Cr. -------------------
Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Profit/Loss Before Extraordinary Items

-543.48 -743.80 201.08 335.97 121.35
And Tax
Net CashFlow From Operating Activities -97.34 1,063.31 -508.85 929.54 -1,981.62
83
Net Cash Used In Investing Activities -61.07 -51.39 -19.84 -37.89 -84.49
Net Cash Used From Financing Activities -356.06 1,531.00 215.90 -208.59 -39.22
Net Inc/Dec In Cash And Cash Equivalents -514.47 2,542.92 -312.79 683.06 -2,105.33
Cash And Cash Equivalents Begin of Year 7,132.69 4,589.78 4,902.57 4,219.51 6,324.84
Cash And Cash Equivalents End Of Year 6,618.22 7,132.69 4,589.78 4,902.57 4,219.51
Punjab & Sind Bank

Capital Structure
Period Instrument --- CAPITAL (Rs. cr) --- - PAI D U P-
From To Authorised Issued Shares (nos) Face Value Capital
2018 2019 Equity Share 750 564.91 564912284 10 564.91
2017 2018 Equity Share 750 564.91 564912284 10 564.91
2016 2017 Equity Share 750 400.41 400411027 10 400.41
2015 2016 Equity Share 750 400.41 400411027 10 400.41
2014 2015 Equity Share 750 400.41 400411027 10 400.41
2013 2014 Equity Share 750 275.28 275284212 10 275.28
2012 2013 Equity Share 750 254.02 254021200 10 254.02
2011 2012 Equity Share 750 234.21 234208000 10 234.21
2010 2011 Equity Share 750 223.06 223056000 10 223.06
2009 2010 Equity Share 750 183.06 183056000 10 183.06
Bhagwan Parshuram Institute of Technology

School of Business Administration
Summer Training Appraisal Form (STA)
Summer Training Appraisal form to be filled by the respective industry guides on

the format prescribed
by the GGSIP University which is as follows:
Summer Training Appraisal
Student’s Name: Anju s nair

Program: Bachelor of Business Administration
84
You are requested to provide your opinion on the following parameters.
Outstanding Good Satisfactory Unsatisfactory
ABCD
1. Technical knowledge gathered about the industry and the job he/she was
involved. B
2. Communication Skills: Oral / Written / Listening skills. C
3. Ability to work in a team A
4. Ability to take initiative B
5. Ability to develop a healthy long term relationship with client A
6. Ability to relate theoretical learning to the practical training B
7. Creativity and ability to innovate with respect to work methods and
procedures. B
8. Ability to grasp new ideas and knowledge. C
9. Presentations skills B
10. Documentation skills B
11. Sense of Responsibility A
12. Acceptability (patience, pleasing manners, the ability to instill trust, etc.) A
13. His/her ability and willingness to put in hard work B
14. In what ways do you consider the student to be valuable to the organization?
Consider the student’s value in term of:
(a) Qualification C
(b) Skills and abilities B
(c) Activities/ Roles performed B
15. Punctuality B
Any other
comments__________________________________________________.
Assessor’s Overall rating: B
Assessor’s Name: Ms Himanshi
Designation: Branch manager
Organization name and address: Punjab and Sind bank
Email id: cmd@PSB.co.in
Contact No: 1800-419-8300
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SUMMER TRAINING REPORT

Bhagwan Parshuram Institute of Technology

1. Certificate (s) 1-2

3. List of Tables 5-6

5. Executive Summary 9-10

6. Chapter-1: Profile of the company 11-21

7. Chpater-2: SWOT Analysis of the company 22-26

8. Chapter-3: Data Presentation & Analysis 27-83

9. Chapter-4: Summary and Conclusions 84-85

Table No Title Page No

24. Rate of interest of PSB Apna Vahan 57

25. Rate of interest of PSB Education Loan 57

26. Rate of interest of PSB Skill Education Loan: 58

27. Rate of interest of PSB Personal Loans 58

28. Rate of interest of PSB Doctor Special 58

29. Rate of interest of PSB Sukhmoney 58

30. Retail Loan Processing Charges 59-61

31. Key Financial Ratios of Punjab & Sind Bank 75-76

History of the PSB

Vision & Mission Statement of the Bank.

The Mission Statement Of The Bank:

Different types of deposit accounts:

On various services offered by Bank

Punjab and Sind Bank Branches

Branch Name: SHAM NAGAR DISTRICT AMRITSAR

Branch Name: BABA BAKALA

Branch Name: BHANGALI KALAN

Branch Name: LOHARKA KALAN

Branch Name: BUTTER KALAN

Punjab and Sind Bank Branches in Delhi

Branch Name IFSC Code

Punjab And Sind Bank Delhi Gujranwala Town PSIB0000295

Punjab And Sind Bank Safdarjung Enclave PSIB0000478

Punjab And Sind Bank Branches In Patna

Punjab & Sind Bank

Punjab & Sind Bank ATM

Punjab & Sind Bank Branches in Jaipur

JAIPUR STATION ROAD

JAIPUR, RAYON INTERNATIONAL SCHOOL

JAIPUR, VAISHALI NAGAR

SPECIALIZED RETAIL LENDING BRANCH JAIPUR

Punjab And Sind Bank Branches In Himachal

Punjab & Sind Bank

Punjab & Sind Bank

Punjab & Sind Bank

Punjab and Sind Bank Branches in Panchkula

Punjab and Sind Bank Branches in Meerut

Punjab And Sind Bank Branches In Nagpur

Dr. Fareed Ahmed

Shri. Govind N Dongre

Non Official Directors

Shri. Harsh Bir Singh

Sh. Madhu Sudan Dadu

Sh. Shailesh Ramji Ghedia

CVO (Chief Vigilance Officer)

Shri. Sanjay Jain

Mrs. Harvinder Sachdev

Sh. Rajiv rawat

MARKET SHARE AND POSITION

Best small bank – Punjab & Sind Bank.

Punjab and Sind Bank Brand Analysis

Punjab and Sind Bank SWOT Analysis

1. Schemes for rural sector