Punjab & Sind Bank (PSB) — Defensive Interval Ratio

Latest as of March 2025: 8 days

Punjab & Sind Bank (PSB) has a Defensive Interval Ratio of 8 days as of March 2025. Defensive assets of Rs29.98 Billion (cash Rs-, short-term investments Rs-, receivables Rs29.98 Billion) cover 8 days of daily cash needs of Rs3.59 Billion/day. Check how tangible is Punjab & Sind Bank's equity to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

8 days
Days of operational coverage

Defensive Assets

Rs29.98 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs3.59 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs1.31 Trillion
INR

Punjab & Sind Bank Defensive Interval Ratio (2013–2025)

This chart shows how Punjab & Sind Bank's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of March 2025, the ratio stands at 8 days, meaning defensive assets of Rs29.98 Billion can fund 8 days of operations without new revenue. Also explore how fast is Punjab & Sind Bank growing its equity to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Punjab & Sind Bank (2013–2025)

The table below presents the year-by-year Defensive Interval Ratio for Punjab & Sind Bank from 2013 to 2025, covering 13 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 PSB market cap overview.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 8 days Rs29.98 Billion Rs3.59 Billion/day Rs- Rs- ▼ -6 days
2024 14 days Rs18.36 Billion Rs1.29 Billion/day Rs- Rs- ▲ +1926 days
2023 -1911 days Rs-42.49 Billion Rs22.23 Million/day Rs- Rs-59.02 Billion ▲ +2007 days
2022 -3919 days Rs-73.83 Billion Rs18.84 Million/day Rs- Rs-86.19 Billion ▲ +692 days
2021 -4611 days Rs-93.00 Billion Rs20.17 Million/day Rs- Rs-102.79 Billion ▲ +49 days
2020 -4660 days Rs-111.80 Billion Rs23.99 Million/day Rs- Rs-121.62 Billion ▼ -6038 days
2019 1378 days Rs38.50 Billion Rs27.94 Million/day Rs- Rs28.78 Billion ▼ -250 days
2018 1628 days Rs46.30 Billion Rs28.44 Million/day Rs- Rs35.58 Billion ▲ +36 days
2017 1592 days Rs36.45 Billion Rs22.90 Million/day Rs- Rs27.98 Billion ▲ +73 days
2016 1519 days Rs38.34 Billion Rs25.23 Million/day Rs- Rs29.78 Billion ▼ -466 days
2015 1985 days Rs36.87 Billion Rs18.57 Million/day Rs- Rs27.45 Billion ▲ +1524 days
2014 461 days Rs9.93 Billion Rs21.56 Million/day Rs- Rs- ▼ -46 days
2013 507 days Rs8.83 Billion Rs17.41 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)