Jammu and Kashmir Bank Ltd

J&KBANK

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Market Cap

₹ 11,089 Cr

P/E

5.31

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Performance

MARKET LEADER

Valuation

UNDERVALUED

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

HIGH RISK

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PE Ratio

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Overview

Detailed Summary

Jammu & Kashmir Bank Limited is a scheduled commercial bank and a leading bank in the state of Jammu & Kashmir and Ladakh. It offers retail credit products and acts as an agency bank for the government.

The bank reported a net profit decline to Rs. 494.11 crore in the quarter ending September 30, 2025, compared to the previous year's same quarter, reflecting challenging market conditions.

Deposits of the bank have increased to Rs. 1,52,030 crore from Rs. 1,37,918 crore year-on-year, demonstrating steady growth in customer trust and financial stability.

Gross Non-Performing Assets (NPAs) have decreased to 3.32% from 3.95% year-on-year, indicating an improvement in asset quality.

The bank maintains a strong capital adequacy ratio of 15.27%, showcasing its robust financial foundation and ability to sustain future growth.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

11,089 Cr

Volatility

High Risk

P/E Ratio

5.3

Industry P/E

19.1

PEG Ratio

—

P/B Ratio

0.8

52W High

117.20

52W Low

82.01

Sales CAGR

11.84%

16.09%

8.22%

10Y

6.96%

Profit CAGR

17.87%

60.73%

—

10Y

19.60%

ROE

TTM

14.04%

13.87%

11.64%

10Y

5.12%

ROCE

TTM

5.69%

11.82%

11.79%

10Y

12.13%

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Forecasts

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

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Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
J&KBANK	100.75	11,089 Cr	5.31	0.81	2.14	14.04	5.69	1.20
UJJIVANSFB	54.15	10,497 Cr	25.19	1.68	0.00	6.59	6.98	1.67
SOUTHBANK	39.88	10,437 Cr	7.68	0.98	1.00	12.76	5.85	1.00
TMB	513.30	8,128 Cr	6.69	0.86	0.01	12.86	6.93	1.88
KTKBANK	200.50	7,565 Cr	6.59	0.63	2.50	9.12	6.20	0.97
CSBBANK	395.80	6,872 Cr	11.06	1.52	0.00	13.21	6.67	1.49
EQUITASBNK	59.22	6,756 Cr	—	1.15	1.69	-1.56	5.76	0.30

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,657	2,764	2,881	2,910	2,994	3,124	3,210	3,213	3,269	3,293
Expenses	1,062	982	906	705	954	980	996	1,078	1,061	958
Interest	1,374	1,430	1,600	1,604	1,625	1,687	1,697	1,732	1,803	1,858
Financing Profit	221	352	375	602	415	456	516	404	406	477
Financing Margin %	8.33	12.74	13.02	20.68	13.87	14.60	16.09	12.57	12.42	14.50
Other Income	230	193	186	229	198	301	242	406	253	157
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	452	545	561	830	614	757	758	810	659	635
Tax %	27.66	30.00	24.80	22.95	32.10	26.97	29.87	27.76	26.29	22.02
Net Profit	331	384	423	633	419	553	529	582	485	495
EPS in Rs	3.01	3.48	4.05	5.75	3.80	5.02	4.80	5.28	4.40	4.49
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6,686	6,621	7,676	8,446	8,111	8,013	9,355	11,213	12,541	12,816
Expenses	4,431	3,154	3,439	5,234	3,802	3,774	3,567	3,437	3,840	4,115
Interest	4,173	3,750	4,291	4,739	4,340	4,101	4,609	6,008	6,741	6,919
Financing Profit	-1,919	-283	-55	-1,527	-30	137	1,178	1,768	1,960	1,783
Financing Margin %	-28.70	-4.28	-0.71	-18.08	-0.38	1.71	12.60	15.77	15.63	13.91
Other Income	497	501	817	550	701	753	765	838	1,147	1,202
Depreciation	85	97	104	126	134	144	158	218	168	0.00
Profit Before Tax	-1,507	121	659	-1,144	537	747	1,786	2,388	2,939	2,984
Tax %	-8.38	-67.61	29.58	-3.44	18.99	32.45	32.89	25.89	29.01	28.03
Net Profit	-1,633	203	464	-1,183	428	495	1,181	1,771	2,082	2,148
EPS in Rs	—	—	4.22	-10.77	3.89	4.74	10.98	16.29	18.90	18.97
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	4.08	12.80	11.37	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	48	52	56	56	71	71	93	103	110	110
Reserves	6,372	5,621	6,102	6,566	6,274	6,731	7,984	9,793	12,083	14,098
Borrowings	71,619	73,735	81,633	92,261	99,805	1,10,062	1,17,074	1,24,919	1,37,648	1,50,935
Other Liabilities	2,214	2,604	1,894	2,522	2,678	3,408	5,425	11,097	4,664	4,280
Total Liabilities	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424
Fixed Assets	706	1,479	1,598	1,646	2,036	1,971	1,908	2,224	2,208	2,126
CWIP	59	64	17	29	35	41	46	47	49	66
Investments	20,334	21,271	18,860	23,141	22,990	30,774	33,785	34,780	34,900	41,122
Other Assets	59,156	59,198	69,210	76,589	83,768	87,486	94,837	1,08,860	1,17,347	1,26,110
Total Assets	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-219	2,457	2,363	-2,992	4,374	-14	-1,568	-407	-853	2,723
Cash from Investing Activity	-136	-861	-164	-165	-115	-76	-85	-124	-257	-102
Cash from Financing Activity	-176	593	668	769	-339	-199	941	638	407	-1,034
Net Cash Flow	-531	2,189	2,867	-2,388	3,920	-289	-712	107	-702	1,587

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	68.03%	63.41%	63.41%	63.41%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%
FIIs	1.96%	2.25%	2.18%	2.61%	5.81%	6.99%	7.16%	6.46%	7.07%	7.64%	1.97%	7.85%
DIIs	2.78%	2.66%	2.44%	4.92%	8.00%	8.15%	6.99%	6.66%	6.83%	6.70%	11.91%	5.76%
Public	27.23%	31.68%	31.97%	29.06%	26.79%	25.47%	26.45%	27.48%	26.71%	26.26%	26.72%	26.99%
Total Shareholders	1,69,558	1,72,074	1,72,171	1,88,609	2,04,193	2,15,294	2,54,645	2,78,050	2,82,743	2,80,187	2,65,968	2,61,978

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
J&KBANK	100.75	11,089 Cr	5.31	0.81	2.14	14.04	5.69	1.20
UJJIVANSFB	54.15	10,497 Cr	25.19	1.68	0.00	6.59	6.98	1.67
SOUTHBANK	39.88	10,437 Cr	7.68	0.98	1.00	12.76	5.85	1.00
TMB	513.30	8,128 Cr	6.69	0.86	0.01	12.86	6.93	1.88
KTKBANK	200.50	7,565 Cr	6.59	0.63	2.50	9.12	6.20	0.97
CSBBANK	395.80	6,872 Cr	11.06	1.52	0.00	13.21	6.67	1.49
EQUITASBNK	59.22	6,756 Cr	—	1.15	1.69	-1.56	5.76	0.30

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,657	2,764	2,881	2,910	2,994	3,124	3,210	3,213	3,269	3,293
Expenses	1,062	982	906	705	954	980	996	1,078	1,061	958
Interest	1,374	1,430	1,600	1,604	1,625	1,687	1,697	1,732	1,803	1,858
Financing Profit	221	352	375	602	415	456	516	404	406	477
Financing Margin %	8.33	12.74	13.02	20.68	13.87	14.60	16.09	12.57	12.42	14.50
Other Income	230	193	186	229	198	301	242	406	253	157
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	452	545	561	830	614	757	758	810	659	635
Tax %	27.66	30.00	24.80	22.95	32.10	26.97	29.87	27.76	26.29	22.02
Net Profit	331	384	423	633	419	553	529	582	485	495
EPS in Rs	3.01	3.48	4.05	5.75	3.80	5.02	4.80	5.28	4.40	4.49
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6,686	6,621	7,676	8,446	8,111	8,013	9,355	11,213	12,541	12,816
Expenses	4,431	3,154	3,439	5,234	3,802	3,774	3,567	3,437	3,840	4,115
Interest	4,173	3,750	4,291	4,739	4,340	4,101	4,609	6,008	6,741	6,919
Financing Profit	-1,919	-283	-55	-1,527	-30	137	1,178	1,768	1,960	1,783
Financing Margin %	-28.70	-4.28	-0.71	-18.08	-0.38	1.71	12.60	15.77	15.63	13.91
Other Income	497	501	817	550	701	753	765	838	1,147	1,202
Depreciation	85	97	104	126	134	144	158	218	168	0.00
Profit Before Tax	-1,507	121	659	-1,144	537	747	1,786	2,388	2,939	2,984
Tax %	-8.38	-67.61	29.58	-3.44	18.99	32.45	32.89	25.89	29.01	28.03
Net Profit	-1,633	203	464	-1,183	428	495	1,181	1,771	2,082	2,148
EPS in Rs	—	—	4.22	-10.77	3.89	4.74	10.98	16.29	18.90	18.97
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	4.08	12.80	11.37	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	48	52	56	56	71	71	93	103	110	110
Reserves	6,372	5,621	6,102	6,566	6,274	6,731	7,984	9,793	12,083	14,098
Borrowings	71,619	73,735	81,633	92,261	99,805	1,10,062	1,17,074	1,24,919	1,37,648	1,50,935
Other Liabilities	2,214	2,604	1,894	2,522	2,678	3,408	5,425	11,097	4,664	4,280
Total Liabilities	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424
Fixed Assets	706	1,479	1,598	1,646	2,036	1,971	1,908	2,224	2,208	2,126
CWIP	59	64	17	29	35	41	46	47	49	66
Investments	20,334	21,271	18,860	23,141	22,990	30,774	33,785	34,780	34,900	41,122
Other Assets	59,156	59,198	69,210	76,589	83,768	87,486	94,837	1,08,860	1,17,347	1,26,110
Total Assets	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-219	2,457	2,363	-2,992	4,374	-14	-1,568	-407	-853	2,723
Cash from Investing Activity	-136	-861	-164	-165	-115	-76	-85	-124	-257	-102
Cash from Financing Activity	-176	593	668	769	-339	-199	941	638	407	-1,034
Net Cash Flow	-531	2,189	2,867	-2,388	3,920	-289	-712	107	-702	1,587

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

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Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

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Bullish

Overall

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Overview

Detailed Summary

The bank reported a net profit decline to Rs. 494.11 crore in the quarter ending September 30, 2025, compared to the previous year's same quarter, reflecting challenging market conditions.

Deposits of the bank have increased to Rs. 1,52,030 crore from Rs. 1,37,918 crore year-on-year, demonstrating steady growth in customer trust and financial stability.

Gross Non-Performing Assets (NPAs) have decreased to 3.32% from 3.95% year-on-year, indicating an improvement in asset quality.

The bank maintains a strong capital adequacy ratio of 15.27%, showcasing its robust financial foundation and ability to sustain future growth.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

11,089 Cr

Volatility

High Risk

P/E Ratio

5.3

Industry P/E

19.1

PEG Ratio

—

P/B Ratio

0.8

52W High

117.20

52W Low

82.01

Sales CAGR

11.84%

16.09%

8.22%

10Y

6.96%

Profit CAGR

17.87%

60.73%

—

10Y

19.60%

ROE

TTM

14.04%

13.87%

11.64%

10Y

5.12%

ROCE

TTM

5.69%

11.82%

11.79%

10Y

12.13%

J Kbank

Jammu and Kashmir Bank Ltd

J&KBANK

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Strong Buy

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Oscillators

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Overall

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Moving Averages

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Shareholdings

Shareholding History

Jammu and Kashmir Bank Ltd

J&KBANK

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