# Punjab National Bank

Punjab National Bank is a Bank / Wealth / Trust based in New Delhi, India.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** New Delhi, India
- **Region:** Asia
- **Address:** New Delhi, India
- **Founded:** 1894
- **Assets under management:** Undisclosed
- **Website:** pnbindia.in
- **LinkedIn:** linkedin.com/company/punjab-national-bank

## Regulatory record

- **Reports private funds:** No

## About

Punjab National Bank is an Ideal destination for all Banking need! PNB offer a wide range of personal banking services including loans, credit cards, savings account, fixed deposits and insurance to meet customer needs.

## Sectors

- Real Estate
- Infrastructure
- Private Credit
- Financial Services

## People

- Atul Kumar Goel — Managing Director & CEO

## Questions

### Who controls investment decisions at Punjab National Bank?

Credit and treasury decisions are made through a multi-tiered committee structure under Managing Director and CEO Atul Kumar Goel, with the board — including government-nominated directors — retaining approval authority for large exposures. As a public-sector bank majority-owned by the Government of India, ultimate strategic direction is set by the Ministry of Finance in consultation with the Reserve Bank of India.

### Does PNB operate as a traditional asset manager or a lending institution?

Punjab National Bank is primarily a commercial bank, not an asset manager in the family-office or institutional-allocator sense. Its investment exposure comes through direct corporate lending, project finance for infrastructure, treasury holdings of government securities, and strategic stakes in subsidiaries like PNB Housing Finance and PNB MetLife.

### What is PNB's exposure to real estate and infrastructure?

PNB carries significant direct exposure to Indian real estate and infrastructure through its corporate loan book. Infrastructure sectors include power generation and transmission, road construction, ports, and urban development projects funded through project finance arrangements. The bank also holds a strategic stake in PNB Housing Finance, a publicly listed mortgage lender.

### How does government ownership affect PNB's investment posture?

Government ownership — the Government of India holds over 70% of equity — means PNB's lending and liquidity management are shaped by statutory requirements like the Statutory Liquidity Ratio and Priority Sector Lending targets. The bank serves as a conduit for directed credit schemes, including interest subvention programs for agriculture and emergency credit guarantee facilities during economic disruptions.

### What is PNB's international footprint?

Punjab National Bank maintains subsidiaries in the United Kingdom, Dubai, and Nepal, with representative offices in Dhaka (Bangladesh), Sydney (Australia), and Almaty (Kazakhstan). These offices primarily facilitate trade finance between Indian corporates and overseas counterparties and capture deposit flows from the Indian diaspora.

### Does PNB have a venture capital or private equity arm?

PNB does not operate a dedicated venture capital or private equity arm. Its alternative-investment exposure is largely incidental to corporate lending relationships, through debt structured around promoter-level holdings or project-level special-purpose vehicles. The bank has not established a standalone direct-investment unit comparable to private-sector bank VC arms.

### How is PNB's balance sheet health currently assessed?

As of early 2024, PNB reported a net non-performing asset ratio below 1% and a capital adequacy ratio above regulatory minimums — the cleanest profile since the 2018 Nirav Modi letter-of-undertaking fraud that triggered a comprehensive asset-quality review and provisioning cycle across multiple fiscal years, per public disclosures.

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Last updated: 2026-06-03T20:00:00.000Z

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