Punjab National Bank (PNB) — Defensive Interval Ratio

Latest as of March 2025: 6 days

Punjab National Bank (PNB) has a Defensive Interval Ratio of 6 days as of March 2025. Defensive assets of Rs249.69 Billion (cash Rs-, short-term investments Rs-, receivables Rs249.69 Billion) cover 6 days of daily cash needs of Rs43.21 Billion/day. Check PNB tangible net assets ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

6 days
Days of operational coverage

Defensive Assets

Rs249.69 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs43.21 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs15.77 Trillion
INR

Punjab National Bank Defensive Interval Ratio (2005–2025)

This chart shows how Punjab National Bank's Defensive Interval Ratio has evolved across 19 annual periods from 2005 to 2025. As of March 2025, the ratio stands at 6 days, meaning defensive assets of Rs249.69 Billion can fund 6 days of operations without new revenue. Also explore Punjab National Bank equity growth rate to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Punjab National Bank (2005–2025)

The table below presents the year-by-year Defensive Interval Ratio for Punjab National Bank from 2005 to 2025, covering 19 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Punjab National Bank stock valuation.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 6 days Rs249.69 Billion Rs43.21 Billion/day Rs- Rs- ▲ +1 days
2024 5 days Rs176.61 Billion Rs37.90 Billion/day Rs- Rs- ▲ +6540 days
2023 -6535 days Rs-617.91 Billion Rs94.55 Million/day Rs- Rs-744.78 Billion ▲ +3050 days
2022 -9585 days Rs-730.75 Billion Rs76.24 Million/day Rs- Rs-826.14 Billion ▼ -5326 days
2021 -4259 days Rs-318.99 Billion Rs74.90 Million/day Rs- Rs-407.69 Billion ▲ +2338 days
2020 -6597 days Rs-298.92 Billion Rs45.31 Million/day Rs- Rs-358.42 Billion ▼ -8110 days
2019 1513 days Rs73.09 Billion Rs48.32 Million/day Rs- Rs- ▼ -3518 days
2018 5030 days Rs258.56 Billion Rs51.40 Million/day Rs- Rs- ▼ -3443 days
2017 8474 days Rs341.66 Billion Rs40.32 Million/day Rs- Rs- ▲ +1802 days
2016 6671 days Rs349.80 Billion Rs52.43 Million/day Rs- Rs- ▼ -1289 days
2015 7960 days Rs339.38 Billion Rs42.64 Million/day Rs- Rs- ▲ +1512 days
2014 6448 days Rs266.25 Billion Rs41.29 Million/day Rs- Rs- ▲ +1363 days
2013 5086 days Rs125.45 Billion Rs24.67 Million/day Rs- Rs- ▲ +4813 days
2010 273 days Rs17.27 Billion Rs63.24 Million/day Rs- Rs- ▲ +58 days
2009 215 days Rs15.60 Billion Rs72.47 Million/day Rs- Rs- ▼ -39 days
2008 254 days Rs14.73 Billion Rs57.90 Million/day Rs- Rs- ▼ -233 days
2007 487 days Rs12.69 Billion Rs26.04 Million/day Rs- Rs- ▲ +231 days
2006 256 days Rs12.72 Billion Rs49.71 Million/day Rs- Rs- ▼ -86 days
2005 342 days Rs13.28 Billion Rs38.88 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)