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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.
Banks
Private Sector Bank
12,509 Cr
High Risk
5.8
12.4
—
0.9
128.45
82.01
Sales CAGR
Profit CAGR
ROE
ROCE
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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Jammu and Kashmir Bank Ltd (J&KBANK) is currently trading at 113.60 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
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.
Over the past 52 weeks, Jammu and Kashmir Bank Ltd has traded between a low of ₹82.01 and a high of ₹128.45. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Jammu and Kashmir Bank Ltd has a market capitalization of approximately 12,509.43. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Jammu and Kashmir Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 5.84 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 12,509.43 Cr, Jammu and Kashmir Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Jammu and Kashmir Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Jammu and Kashmir Bank Ltd is 5.84. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The combined focus on MSME support, including the ₹10,000 crore growth fund, and targeted agricultural schemes for crops like walnuts directly strengthens the bank's core borrower base in its primary geography of Jammu & Kashmir.
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Provisional Business Figures
Jammu & Kashmir Bank reported provisional figures as of 31-Mar-2026: Total Business Rs 290,340.57 Cr (+13.61% YoY); Deposits Rs 165,354.04 Cr (+11.30%); CASA Rs 75,478.40 Cr; Gross Advances Rs 124,986.53 Cr (+16.83%); Gross Investment Rs 41,319.50 Cr (-1.55%); figures provisional and subject to audit.
Business Update
Jammu & Kashmir Bank reported provisional business figures for 31-Mar-2026: total business Rs 290,340.57 Cr (+13.61% YoY); deposits Rs 165,354.04 Cr (+11.30%); gross advances Rs 124,986.53 Cr (+16.83%); CASA Rs 75,478.40 Cr (+8.07%).
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
301.00 | 18,605 Cr | 25.97 | 1.15 | 0.33 | 4.48 | 5.68 | 0.47 | ||
240.00 | 17,885 Cr | 14.28 | 1.80 | 0.83 | 12.64 | 6.49 | 1.55 | ||
113.60 | 12,509 Cr | 5.84 | 0.88 | 1.89 | 13.90 | 5.71 | 1.22 | ||
623.35 | 9,871 Cr | 7.86 | 1.01 | 0.01 | 12.85 | 6.95 | 1.88 | ||
36.71 | 9,609 Cr | 6.91 | 0.87 | 1.09 | 12.62 | 5.88 | 1.00 | ||
227.75 | 8,613 Cr | 7.47 | 0.71 | 2.19 | 9.18 | 6.18 | 0.97 | ||
364.10 | 6,405 Cr | 10.15 | 1.42 | 0.00 | 13.23 | 6.99 | 1.49 | ||
| Median: 7 Co. | — | 240.00 | 9,871 Cr | 7.86 | 1.01 | 0.83 | 12.64 | 6.18 | 1.22 |
