Jammu & Kashmir Bank Ltd
Jammu & Kashmir Bank Ltd (J&KBANK) last reported results for the quarter ended Jun 2026, with sales of ₹3,547 crore and net profit of ₹429 crore. The stock last traded at ₹141, a market capitalisation of ₹15,538 crore, on a P/E of 6.75. Over the past 52 weeks the stock has ranged between ₹97.4 and ₹202. Figures are as of 6 Oct 2026 and are not real time.
Jammu & Kashmir Bank Ltd share price and key metrics
- Current price
- ₹141
- Market cap
- ₹15,538 cr
- Stock P/E
- 6.75
- Book value
- ₹154
- ROE
- 15.4%
- ROCE
- 5.84%
- Dividend yield
- 0.00%
- 52w high / low
- 202/97.4
Metrics as of 6 Oct 2026. Not real time.
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Jammu & Kashmir Bank Ltd growth and returns
- 10 Years
- 7%
- 5 Years
- 10%
- 3 Years
- 12%
- TTM
- 5%
- 10 Years
- 19%
- 5 Years
- 41%
- 3 Years
- 26%
- TTM
- 7%
- 10 Years
- 5%
- 5 Years
- 31%
- 3 Years
- 7%
- 1 Year
- 36%
- 10 Years
- 7%
- 5 Years
- 14%
- 3 Years
- 16%
- Last Year
- 15%
Jammu & Kashmir Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹3,547 cr, up 8.5% from ₹3,269 cr a year earlier. Net profit was ₹429 cr, down 11.5% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 |
| Expenses | 980 | 996 | 1,075 | 1,061 | 958 | 964 | 889 | 1,095 |
| Operating profit | 456 | 516 | 406 | 406 | 477 | 527 | 600 | 403 |
| OPM % | 15% | 16% | 13% | 12% | 14% | 16% | 18% | 11% |
| Other income | 301 | 242 | 403 | 253 | 157 | 280 | 262 | 217 |
| Interest | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 757 | 758 | 810 | 659 | 635 | 807 | 862 | 621 |
| Tax % | 27% | 30% | 28% | 26% | 22% | 27% | 7% | 31% |
| Net profit | 553 | 529 | 582 | 485 | 495 | 581 | 799 | 429 |
| EPS (₹) | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 | 5.28 | 7.25 | 3.89 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Jammu & Kashmir Bank Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,686 | 6,621 | 7,676 | 8,446 | 8,111 | 8,013 | 9,355 | 11,213 | 12,541 | 13,151 | 13,429 |
| Operating profit | -1,919 | -283 | -55 | -1,527 | -30 | 137 | 1,178 | 1,768 | 1,966 | 2,141 | 2,007 |
| OPM % | -29% | -4% | -1% | -18% | -0% | 2% | 13% | 16% | 16% | 16% | 15% |
| Net profit | -1,633 | 203 | 464 | -1,183 | 428 | 495 | 1,181 | 1,771 | 2,082 | 2,360 | 2,304 |
| EPS (₹) | -31.32 | 3.64 | 8.33 | -16.59 | 6.01 | 5.30 | 11.44 | 16.08 | 18.91 | 21.43 | 20.91 |
TTM is the trailing twelve months to the most recent quarter.
Jammu & Kashmir Bank Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 110 | 110 |
| Reserves | 5,621 | 6,102 | 6,566 | 6,274 | 6,731 | 7,984 | 9,793 | 12,083 | 14,098 | 16,390 |
| Borrowings | 1,276 | 1,628 | 2,624 | 2,020 | 2,015 | 2,371 | 2,892 | 2,885 | 2,383 | 3,431 |
| Deposits | 72,459 | 80,005 | 89,637 | 97,786 | 108,047 | 114,703 | 122,027 | 134,765 | 148,552 | 165,342 |
| Other liabilities | 2,604 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | 11,097 | 4,662 | 4,280 | 3,687 |
| Total liabilities | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 | 145,913 | 154,505 | 169,424 | 188,960 |
| Fixed assets | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,126 | 2,445 |
| CWIP | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 | 88 |
| Investments | 21,271 | 18,860 | 23,140 | 22,990 | 30,774 | 33,785 | 34,780 | 34,900 | 41,122 | 40,520 |
| Other assets | 59,198 | 69,210 | 76,589 | 83,768 | 87,486 | 94,837 | 108,860 | 117,347 | 126,110 | 145,906 |
| Total assets | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 | 145,913 | 154,505 | 169,424 | 188,960 |
As reported by the company. Total assets equal total liabilities by construction.
Jammu & Kashmir Bank Ltd cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,457 | 2,363 | -2,992 | 4,374 | -14 | -1,568 | -407 | -853 | 2,723 | -1,126 |
| Cash from investing | -861 | -164 | -165 | -115 | -76 | -85 | -124 | -257 | -102 | -302 |
| Cash from financing | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 | -1,034 | -500 |
| Net cash flow | 2,189 | 2,867 | -2,388 | 3,920 | -289 | -712 | 107 | -702 | 1,587 | -1,928 |
| Free cash flow | 1,596 | 2,199 | -3,156 | 4,259 | -90 | -1,653 | -531 | -1,038 | 2,621 | -1,595 |
| CFO / operating profit | 112% | 73% | -70% | 140% | 2% | -31% | 1% | -5% | 40% | -4% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Jammu & Kashmir Bank Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -27% | 3% | 7% | -18% | 7% | 7% | 13% | 16% | 16% | 15% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Jammu & Kashmir Bank Ltd shareholding pattern
Promoters held 59.40% at Jun 2026, broadly unchanged since Jun 2025. FIIs 9.38% and DIIs 7.85%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% |
| FIIs | 6.47% | 7.07% | 7.64% | 8.01% | 7.85% | 8.14% | 8.35% | 9.38% |
| DIIs | 6.41% | 6.82% | 6.69% | 5.87% | 5.76% | 5.84% | 6.00% | 7.85% |
| Public | 27.72% | 26.70% | 26.26% | 26.72% | 26.98% | 26.62% | 26.26% | 23.37% |
| No. of shareholders | 2,78,050 | 2,82,743 | 2,80,187 | 2,65,968 | 2,61,978 | 2,54,219 | 2,40,539 | 2,19,636 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Jammu & Kashmir Bank Ltd corporate filings
- Certificate under Regulation 74(5) of SEBI(DP) Regulations, 2018Company Updatelow impact
- Jammu & Kashmir Bank publishes newspaper notice under Regulation 30 (LODR)Company Updatelow impact
Cruxal's analysis: The announcement pertains to a routine newspaper publication by Jammu & Kashmir Bank on…
Read the full analysis - Jammu & Kashmir Bank reports provisional business figures for March 2026 with net profit of Rs 799 crore and EPS of Rs 7.25Company Updatelow impact
Cruxal's analysis: The bank's latest provisional figures for March 2026 show a net profit of Rs 799 crore…
Read the full analysis - Jammu and Kashmir Bank Limited reviews and reaffirms its Basel III Tier II and Additional Tier I bond ratings at BWR A/Stable, with no change in the Rs. 1,000 crore bond outstanding as of September 2026Company Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has announced that its credit ratings for Tier II bonds…
Read the full analysis - Jammu and Kashmir Bank Limited announces regularization of Mr. Tsewang Tharchin as Rotational DirectorCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has formally regularized the appointment of Mr. Tsewang…
Read the full analysis - Jammu and Kashmir Bank Limited shareholders approve key resolutions including Tier-I capital raise of 1,000 crore INR at 88th AGMAGM/EGMmedium impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has successfully concluded its 88th Annual General…
Read the full analysis - Closure of Trading WindowInsider Trading / SASTlow impact
- Jammu & Kashmir Bank Ltd releases revised Integrated Annual Report for 2025-26Otherslow impact
Cruxal's analysis: Jammu & Kashmir Bank has filed a revised version of its Integrated Annual Report for the…
Read the full analysis - Jammu and Kashmir Bank Limited Concludes 88th AGM; Shareholders Approve Tier-I Capital Raise of 1,000 croreAGM/EGMhigh impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has successfully concluded its 88th Annual General…
Read the full analysis - Jammu and Kashmir Bank Limited announces retirement of Director R K Chhibber by rotationCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has formally announced the retirement of Mr. R K Chhibber…
Read the full analysis - Jammu and Kashmir Bank appoints Chartered Accountant Rajeev Gupta as Additional DirectorCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has announced the appointment of Mr. Rajeev Gupta as an…
Read the full analysis - J&K Bank Reports FY2026 Audited Financials with Net Profit of 2,367.58 croreCompany Updatemedium impact
Cruxal's analysis: Jammu & Kashmir Bank Limited has released its audited standalone and consolidated…
Read the full analysis - Jammu & Kashmir Bank Ltd enters into an Escrow AgreementCompany Updatelow impact
Cruxal's analysis: Jammu & Kashmir Bank Ltd has disclosed the execution of an Escrow Agreement under…
Read the full analysis - Jammu & Kashmir Bank Ltd announces analyst/investor meetCompany Updatelow impact
Cruxal's analysis: Jammu & Kashmir Bank Ltd has issued an intimation regarding an upcoming analyst/investor…
Read the full analysis - Jammu and Kashmir Bank Limited Announces Appointment of New Statutory Central Auditors for FY 2026-27Company Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has formally announced the appointment of four new…
Read the full analysis - Jammu & Kashmir Bank Ltd: Routine Newspaper Publication of Financial DisclosureCompany Updatelow impact
Cruxal's analysis: Jammu & Kashmir Bank Ltd has fulfilled a regulatory requirement under Regulation 30 of…
Read the full analysis - Jammu and Kashmir Bank Limited Announces Board Changes via Addendum to 88th AGM NoticeAGM/EGMlow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has issued an addendum to its 88th Annual General Meeting…
Read the full analysis - Jammu and Kashmir Bank Limited receives credit rating reaffirmation of CARE AA-; Stable for Tier-II BondsCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has announced that Care Edge Ratings has reaffirmed the…
Read the full analysis - Jammu and Kashmir Bank Limited announces retirement of two General ManagersCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has formally notified the stock exchanges regarding the…
Read the full analysis - Jammu and Kashmir Bank Limited appoints Mr. Tsewang Tharchin as Additional DirectorCompany Updatelow impact
Cruxal's analysis: Jammu and Kashmir Bank Limited has announced the appointment of Mr. Tsewang Tharchin as…
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