Financial Services · NIFTY 500
The Jammu & Kashmir Bank Limited
₹137.68 +3.50 (+2.61%) Updated 12 Nov, 8:49 pm IST
Today
- Open
- ₹135.01
- Prev close
- ₹134.18
- Day high
- ₹138.77
- Day low
- ₹135.01
- Volume
- 29.79 L
- Value traded
- ₹40.87 Cr
- Upper circuit
- ₹161.01
- Lower circuit
- ₹107.35
- 52W high
- ₹201.75
- 52W low
- ₹97.35
- 1 month
- -9.14%
- 6 months
- -10.09%
Ratios
Key numbers
Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.
Quarterly results
Results for each quarter
Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.
Revenue and net profit
Revenue · QoQ (vs last quarter)
Revenue · YoY (vs a year ago)
Net profit · QoQ (vs last quarter)
Net profit · YoY (vs a year ago)
EPS (₹) · YoY (vs a year ago)
| ₹ Cr | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 | 3,729 |
| Other income | 186 | 229 | 198 | 301 | 242 | 406 | 253 | 157 | 282 | 262 | 217 | 318 |
| Total income | 3,067 | 3,139 | 3,193 | 3,424 | 3,452 | 3,619 | 3,523 | 3,450 | 3,597 | 3,536 | 3,765 | 4,047 |
| Interest expended | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 | 2,225 |
| Employee cost | 637 | 486 | 692 | 660 | 703 | 733 | 663 | 648 | 659 | 511 | 653 | 650 |
| Provisions | -9.4 | -165 | -17.5 | 32.5 | -9.8 | -9.2 | 15.1 | -10.9 | -25.8 | 50.3 | 84.0 | 72.4 |
| Total expenses | 915 | 870 | 972 | 948 | 1,006 | 1,087 | 1,046 | 969 | 991 | 839 | 1,011 | 1,032 |
| Profit before tax | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 | 862 | 621 | 718 |
| Tax | 139 | 191 | 197 | 204 | 227 | 225 | 173 | 140 | 220 | 63.2 | 195 | 171 |
| Net profit | 422 | 640 | 417 | 553 | 532 | 585 | 486 | 495 | 588 | 799 | 425 | 547 |
| EPS (₹) | 4.05 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 | 5.28 | 7.25 | 3.89 | 5.02 |
| Gross NPA % | 0.05% | 0.04% | 0.04% | 0.04% | 0.04% | 0.03% | 0.04% | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% |
| Net NPA % | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
Profit & loss
Results for each year
4 financial years (April to March), consolidated, ₹ crore.
Sales, operating profit and net profit
Revenue · YoY (vs a year ago)
Net profit · YoY (vs a year ago)
| ₹ Cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Interest earned | 8,013 | 11,213 | 12,541 | 13,151 |
| Other income | 790 | 838 | 1,147 | 951 |
| Total expenses | 3,329 | 3,763 | 4,012 | 3,841 |
| Employee cost | 2,405 | 2,579 | 2,788 | 2,487 |
| Profit before tax | 747 | 2,388 | 2,939 | 2,964 |
| Tax | 242 | 618 | 852 | 596 |
| Tax rate % | 32.4% | 25.9% | 29.0% | 20.1% |
| Net profit | 504 | 1,770 | 2,086 | 2,368 |
| Net margin % | 6.3% | 15.8% | 16.6% | 18.0% |
| EPS (₹) | 5.96 | 16.84 | 18.91 | 21.42 |
Balance sheet
Assets and debt
At each year end (and the latest half year), ₹ crore.
Equity, debt and assets
Shareholders' equity · YoY (vs a year ago)
| ₹ Cr | Mar 22 | Mar 24 | Mar 25 | Mar 26 | Sep 26 |
|---|---|---|---|---|---|
| Share capital | 93.3 | 110 | 110 | 110 | 110 |
| Reserves | 7,890 | 12,083 | 14,098 | 16,390 | 17,433 |
| Shareholders' equity | 7,984 | 12,193 | 14,208 | 16,500 | 17,543 |
| Deposits | 114,703 | 134,763 | 148,552 | 165,342 | 176,776 |
| Total borrowings | 2,371 | 2,885 | 2,383 | 3,431 | 5,381 |
| Investments | 33,785 | 34,900 | 41,122 | 40,520 | 45,648 |
| Advances (loans) | 70,393 | 93,757 | 104,184 | 122,633 | 131,202 |
| Total assets | 130,576 | 154,505 | 169,424 | 188,960 | 203,427 |
| Debt / equity | 0.30 | 0.24 | 0.17 | 0.21 | 0.31 |
Cash flow
Cash coming in and going out
For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.
Operating, investing and financing cash
Operations · YoY (vs a year ago)
| ₹ Cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Cash from operations | -1,568 | -924 | 2,723 | -1,707 |
| Cash from investing | -85.2 | -186 | -102 | 302 |
| Cash from financing | 941 | 407 | -1,034 | -500 |
| Net cash flow | -712 | -702 | 1,587 | -1,905 |
Shareholding
Who holds the shares
Promoter and public holding at each quarter end, as filed with NSE.
Holding over time
Latest (30 Sep 2026)
- Promoter & group
- 59.40%
- Public (FIIs, mutual funds, retail…)
- 40.60%
- Promoter change, last quarter
- 0.00 pts
Dividends & news
Latest dividends and announcements
Dividends & corporate actions
- Dividend - Rs 2.15 Per Share
- Annual General Meeting/Dividend - Rs 2.15 Per Share
- Annual General Meeting/Dividend - Rs 0.50 Per Share
- Dividend - Rs 1.75/- Per Share
- Dividend - Rs 2.10/- Per Share
- Face Value Split - From Rs 10/- Per Share To Re 1/- Per Share
- Dividend - Rs 50/- Per Share
- Annual General Meeting And Dividend Rs.50/- Per Share
Board meetings
- THE JAMMU & KASHMIR BANK LIMITED has informed the Exchange about Board Meeting to be held on 22-Oct-2026 to inter-alia consider and approve the Unaud…
- the financial results for the period ended September 30, 2026
- Fund raising.
- Fund raising.
- Fund Raising
Filings with NSE
- General Updates
- Analysts/Institutional Investor Meet/Con. Call Updates
- Copy of Newspaper Publication
- Analysts/Institutional Investor Meet/Con. Call Updates
- Analysts/Institutional Investor Meet/Con. Call Updates
- Press Release
- Statement of deviation(s) or variation(s) under Reg. 32
Latest news
Jammu Kashmir Bank’s Earnings Call Backfires: Stock Crashes 16 Per Cent, Nears Lower CircuitKashmir Life · 23 Oct, 12:30 pmJ&K Bank share price sees biggest single-day fall in over two years after Q2 resultsCNBC TV18 · 23 Oct, 12:30 pmThe Jammu & Kashmir Bank - Bharat Dynamics among 5 stocks showing RSI trending upThe Economic Times · 11 Nov, 9:28 amJammu and Kashmir Bank (NSEI:J&KBANK) Stock Forecast & Analyst PredictionsSimply Wall St · 23 Oct, 12:30 pmJammu And Kashmir Bank Shares Trade Over 5% Higher IntradayHDFC Sky · 15 Jul, 12:30 pmJammu & Kashmir Bank Q1 net drops 11.5 pc to Rs 429 crbfsi.economictimes.indiatimes.com · 29 Jul, 12:30 pmEarnings call transcript: Jammu and Kashmir Bank Q1 2026 profit falls as stock drops 12.7%Investing.com · 29 Jul, 12:30 pmJammu and Kashmir Bank promoters confirm no share encumbrance in FY26scanx.trade · 16 Jun, 3:52 amAbout
About The Jammu & Kashmir Bank Limited
The Jammu & Kashmir Bank Limited is listed on the NSE under the symbol J&KBANK and belongs to the Financial Services sector.
Company details
- Company name
- The Jammu & Kashmir Bank Limited
- NSE symbol
- J&KBANK
- BSE scrip code
- 532209
- ISIN
- INE168A01041
- Listed on
- NSE, BSE
- Series
- EQ (normal equity)
- Listed on NSE since
- 22 Jul 1998
- Face value
- ₹1 per share
- Market lot
- 1 share
- Shares issued
- 110.13 crore
- Index
- NIFTY 500
- Sector (NSE)
- Financial Services
- Managing director / CEO
- Amitava Chatterjee
- Chair
- Sankarasubramanian Krishnan
- Headquarters
- Srinagar, India
- Registered address
- Corporate Headquarters, M. A. Road, Srinagar, Kashmir –190001
- Founded
- 1938
- Employees
- 12,137
- Financial year
- April to March
- Results basis
- Consolidated
- Website
- jkb.bank.in
Peers
Other Financial Services stocks
Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.