Swarup Kumar Saha: Transformative Leadership
Managing Director & CEO, Punjab & Sind Bank
Mr Swarup Kumar Saha has steered a remarkable institutional journey from balance-sheet repair to sustainable, digital and inclusive growth.
Since assuming charge as Managing Director & CEO in June 2022, his decisive leadership has brought together growth, prudence, technology, people and public purpose. Under his stewardship, the Bank’s total business expanded from ₹1.73 lakh crore to ₹2.64 lakh crore.
In FY 2025-26, the Bank recorded its highest operating profit of ₹2,182 crore and net profit of ₹1,322 crore. The restoration of asset quality was equally impressive, with GNPA declining from 12.17% to 2.40% and NNPA to 0.79%.
He has championed a future-ready, technology-led institution with digital channels now accounting for 95% of transactions. This is complemented by systematic investment in people and leadership development. Yet, the transformation has remained firmly anchored in the Bank’s public purpose. Its Business Correspondent network has grown from 357 to 3,027, substantially widening the reach of financial inclusion.
By combining aspiration with prudence, modernisation with inclusion and performance with institution-building, Mr Saha has shaped a stronger, more agile and future-ready Punjab & Sind Bank.