Overview

Detailed Summary

Jammu and Kashmir Bank Limited is one of India's oldest private sector banks, providing a wide range of financial services across retail, corporate, agriculture, and MSME sectors. The bank has a strong presence in the UTs of J&K and Ladakh, with over 1000 branches nationwide.
The bank reported a robust performance in Q3 of FY 2025-26, with a 10.4% Y-o-Y increase in net profit and a significant 18.7% quarter-on-quarter net profit growth. This growth is supported by improved asset quality and strategic credit expansion.
J&K Bank's asset quality has shown marked improvement, with Gross NPA reduced to 3% from 4.08% YoY and Net NPA to 0.68% from 0.94%. The bank maintains a high provision coverage ratio of over 90%.
The bank's liquidity profile remains strong, with CASA deposits making up a significant portion of total deposits. However, due to broad industry trends, the focus is shifting toward higher-yielding term deposits.
The bank's strategic initiatives include a focus on expanding digital transactions, which comprise over 90% of their total transactions, strengthening digital adoption among their customer base.

Sector: Banks
Industry: Banks - Private Sector
Market Cap: 12,328 Cr
Volatility: High Risk
P/E Ratio: 5.8
Industry P/E: 17.0
PEG Ratio: —
P/B Ratio: 0.9
52W High: 123.55
52W Low: 82.01

Sales CAGR

1Y: 11.84%
3Y: 16.09%
5Y: 8.22%
10Y: 6.96%

Profit CAGR

1Y: 17.87%
3Y: 60.73%
5Y: —
10Y: 19.60%

ROE

TTM: 13.90%
3Y: 13.87%
5Y: 11.64%
10Y: 5.12%

ROCE

TTM: 5.71%
3Y: 11.82%
5Y: 11.79%
10Y: 12.13%

Technicals

‌

Forecasts

Unlock Premium Features

Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
CUB	248.00	18,320 Cr	14.75	1.85	0.81	12.64	6.49	1.55
J&KBANK	111.95	12,328 Cr	5.76	0.86	1.92	13.90	5.71	1.22
UJJIVANSFB	53.55	10,403 Cr	21.27	1.67	0.00	7.81	7.30	1.67
SOUTHBANK	38.58	10,098 Cr	7.27	0.92	1.04	12.62	5.88	1.00
TMB	598.00	9,424 Cr	7.54	0.96	0.01	12.85	6.95	1.88
KTKBANK	205.85	7,785 Cr	6.75	0.64	2.43	9.18	6.18	0.97
EQUITASBNK	57.97	6,631 Cr	-98.32	1.13	1.72	-1.15	5.89	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.

Ask AI

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	2,764	2,881	2,910	2,994	3,124	3,210	3,213	3,269	3,293	3,315
Expenses	982	906	705	954	980	996	1,078	1,061	958	965
Interest	1,430	1,600	1,604	1,625	1,687	1,697	1,732	1,803	1,858	1,824
Financing Profit	352	375	602	415	456	516	404	406	477	525
Financing Margin %	12.74	13.02	20.68	13.87	14.60	16.09	12.57	12.42	14.50	15.85
Other Income	193	186	229	198	301	242	406	253	157	282
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	545	561	830	614	757	758	810	659	635	807
Tax %	30.00	24.80	22.95	32.10	26.97	29.87	27.76	26.29	22.02	27.22
Net Profit	384	423	633	419	553	529	582	485	495	581
EPS in Rs	3.48	4.05	5.75	3.80	5.02	4.80	5.28	4.40	4.49	5.28
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	19.45
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

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	63.41%	63.41%	63.41%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%	59.40%
FIIs	2.25%	2.18%	2.61%	5.81%	6.99%	7.16%	6.46%	7.07%	7.64%	1.97%	7.85%	8.14%
DIIs	2.66%	2.44%	4.92%	8.00%	8.15%	6.99%	6.66%	6.83%	6.70%	11.91%	5.76%	5.83%
Public	31.68%	31.97%	29.06%	26.79%	25.47%	26.45%	27.48%	26.71%	26.26%	26.72%	26.99%	26.63%
Total Shareholders	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	2,54,219

Market Transactions

Unlock Premium Features

Analyst Target, Price, EPS and Revenue Projections

Projection

Unlock Premium Features

Get In-depth insights on EPS and Revenue forecasts

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Available on Pro Plan