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The Jammu & Kashmir Bank Ltd.

BankBank - Private

www.jkb.bank.in BSE: 532209NSE: J&KBANK

₹122.90BSE9.03%

23 Oct, 9:40 AM

₹122.90

₹14.87K Cr

6.30

0.96

16.94%

₹135.35

₹122.30

₹202.00

₹97.40

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Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	693.90	13.35	10,70,530.59	2.24	21,537.09	5.76%	95,131.63	9.35%	12.81
ICICI BANK ICICIBANK	1,400.80	16.96	10,05,784.06	0.86	17,311.87	21.43%	55,991.91	16.21%	16.51
KOTAK MAH.BK KOTAKBANK	436.50	21.45	4,34,225.02	0.15	5,487.06	23.89%	18,354.57	6.41%	12.05
AXIS BANK AXISBANK	1,215.70	12.56	3,78,558.47	0.08	7,649.70	37.65%	38,087.48	17.88%	11.04
FEDERAL BANK FEDERALBNK	345.75	16.53	85,500.29	0.35	1,564.06	53.42%	8,382.84	16.17%	10.98
IDBI BANK L IDBI	78.60	10.34	84,513.88	0.00	2,226.24	-31.31%	8,519.33	19.84%	14.76
AUBANK AUBANK	936.00	39.12	70,365.91	0.11
The Jammu & Kashmir Bank Ltd. J&KBANK	122.90	6.30	14,865.96	0.00	547.30	10.59%	3,728.78	13.23%	17.75

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	1,990.29	2,019.77	2,012.45	2,103.16	2,298.90	2,440.87	2,512.30	2,657.21	2,764.44	2,994.36	3,123.66	3,209.67	3,213.39	3,269.45	3,293.00	3,314.94	3,273.34	3,547.48	3,728.78
Expenses	858.12	835.83	855.82	857.41	868.56	956.78	968.11	985.57	991.92	971.56	947.54	1,005.85	1,084.42	1,044.05	967.75	991.12	839.20	1,011.43	1,032.06
	311.14	330.33	318.89	381.73	483.55	544.72	450.17	528.34	535.25	596.25	789.35	748.66	800.50	674.45	623.75	781.39	912.59	704.83	790.42
	15.63%	16.35%	15.85%	18.15%	21.03%	22.32%	17.92%	19.88%	19.36%	19.91%	25.27%	23.33%	24.91%	20.63%	18.94%	23.57%	27.88%	19.87%	21.20%
Provisions and Contingencies	175.61	22.18	-56.31	145.38	76.91	27.04	-175.20	76.74	-9.95	-17.47	32.52	-9.80	-9.17	15.09	-10.93	-25.81	50.26	84.03	72.35
	196.02	172.76	454.58	205.06	147.95	243.85	168.38	230.31	192.90	198.42	300.65	242.04	403.20	251.69	156.13	281.92	262.45	217.48	318.28
Interest	1,017.05	1,026.37	1,036.83	1,069.08	1,094.74	1,183.22	1,262.40	1,373.61	1,430.17	1,624.97	1,687.42	1,697.20	1,731.67	1,802.64	1,857.63	1,824.35	1,784.00	2,048.70	2,224.58
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	135.53	308.15	119.71	236.35	406.64	517.68	625.37	451.60	545.20	613.72	756.83	758.46	809.67	659.36	634.68	807.20	862.33	620.80	718.07
	17.66%	43.27%	5.54%	29.69%	40.08%	39.72%	23.77%	27.66%	30.00%	32.10%	26.98%	29.87%	27.76%	26.29%	22.02%	27.22%	7.33%	31.49%	23.78%
	111.60	174.81	113.08	166.18	243.64	312.04	476.73	326.67	381.64	416.73	552.67	531.92	584.93	486.00	494.91	587.51	799.15	425.32	547.30
	1.15	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.80	5.02	4.80	5.28	4.40	4.49	5.28	7.25	3.89	5.02

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	8,012.98	9,355.23	11,213.20	12,541.08	13,150.73
	790.41	765.24	837.67	1,140.49	950.65
	8,803.39	10,120.47	12,050.88	13,681.57	14,101.37
II. EXPENDITURE
Interest Expended	4,101.34	4,609.44	6,007.93	6,741.26	7,268.62
Operating Expenses	3,598.65	3,650.87	3,762.56	4,005.55	3,840.57
Provisions and Contingencies	357.82	74.13	-107.69	-3.92	28.61
	745.58	1,786.04	2,388.08	2,938.68	2,963.57
Taxes	241.14	587.45	618.17	852.43	596.00
	504.44	1,198.59	1,769.91	2,086.25	2,367.57
Extra items				0.00	0.00
Share of Associate	-9.59	-18.07	1.32	-4.46	-8.07
Consolidated Net Profit	494.85	1,180.52	1,771.22	2,081.79	2,359.50
IV. APPROPRIATIONS	494.85	1,180.52	1,771.22	2,081.79	2,359.50
Equity Dividend %		50.00%	215.00%	215.00%
	5.30	11.44	16.08	18.91	21.43
Adjusted EPS	5.30	11.44	16.08	18.91	21.43

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	93.30	103.16	110.13	110.13	110.13
Share Warrants & Outstandings	93.50
Total Reserves	7,890.31	9,793.16	12,082.59	14,098.18	16,389.65
Reserve excluding Revaluation Reserve	6,940.47	8,511.90	10,813.68	12,859.49	14,869.02
Revaluation Reserves	949.85	1,281.26	1,268.91	1,238.69	1,520.63
Deposits	1,14,702.77	1,22,027.18	1,34,764.66	1,48,552.02	1,65,342.45
	2,370.82	2,892.31	2,885.00	2,382.84	3,431.00
Other Liabilities & Provisions	5,425.33	11,096.78	4,662.20	4,280.36	3,686.52
Total Liabilities	1,30,576.03	1,45,912.59	1,54,504.58	1,69,423.54	1,88,959.76
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	1,395.20	7,794.06	7,250.08	7,385.48	7,621.87
Balances with banks and money at call	7,396.70	1,104.80	946.40	2,397.67	233.37
Investments	33,785.25	34,780.40	34,900.22	41,121.71	40,520.36
Investments in India	33,785.25	34,780.40	34,900.22	41,121.71	40,520.36
Investments outside India	0.00
Advances	70,393.08	82,277.61	93,756.60	1,04,183.82	1,22,632.61
Gross block	3,302.41	3,775.81	3,976.16	4,060.61	4,540.86
Less: Accumulated Depreciation	1,394.90	1,551.38	1,767.91	1,934.32	2,096.02
Net Block	1,907.51	2,224.43	2,208.25	2,126.29	2,444.84
Capital Work in Progress	46.43	47.32	49.50	65.55	88.12
Other Assets	15,651.86	17,683.97	15,393.53	12,143.02	15,418.59
Total Assets	1,30,576.03	1,45,912.59	1,54,504.58	1,69,423.54	1,88,959.76
Contingent Liabilities	5,524.94	5,233.77	4,844.87	5,715.57	6,439.67
Bills for collection	1,538.06	1,705.41	1,513.27	1,364.98	1,437.97
	75.40	83.52	99.20	117.78	136.03
Adjusted Book Value	75.40	83.52	99.20	117.78	136.03

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	737.13	1,767.96	2,389.40	2,934.21	2,955.49
Adjustments for Expenses & Provisions :	699.33	440.97	440.79	583.26	230.53
Adjustments for Liabilities & Assets:	-2,760.97	-2,160.97	-3,216.36	-63.28	-3,546.26
Refund/(payment) of direct taxes	-243.53	-455.09	-466.38	-731.04	-765.44
Cash Flow from operating activities	-1,568.05	-407.13	-852.55	2,723.15	-1,125.68
Cash Flow from investing activities	-85.18	-123.51	-257.26	-102.10	-302.29
Cash Flow from financing activities	941.43	637.59	407.43	-1,034.38	-499.93
Net increase/(decrease) in cash and cash equivalents	-711.80	106.95	-702.38	1,586.67	-1,927.90
Opening Cash & Cash Equivalents	9,503.70	8,791.91	8,898.86	8,196.48	9,783.15
Closing Cash & Cash Equivalent	8,791.91	8,898.86	8,196.48	9,783.15	7,855.24

Ratios

Valuation

6.30

0.96

3.35

1.07

21.45

140.60

Profitability

16.94

17.75

1.32

22.75

18.00

Leverage & Liquidity

0.23

Returns

0.00

Banking Metrics

3.44

74.17

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40
	13.90	12.86	13.64	14.34	13.88	13.61	13.97	14.34	17.22	19.04
	26.70	27.74	26.96	26.26	26.72	26.99	26.63	26.25	23.38	21.56
	40.60	40.60	40.60	40.60	40.60	40.60	40.60	40.60	40.60	40.60
No. of Shareholders	2,54,645	2,78,050	2,82,743	2,80,187	2,65,968	2,61,978	2,54,219	2,40,539	2,19,636	2,16,319

Mutual Funds Invested(71)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 22 active funds hold 6.04% in The Jammu & Kashmir Bank Ltd., contributing to ₹922 Cr of holdings

Fund				As of
KO Kotak Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	506.63	1.67	3,65,40,105	Sep '26
KO Kotak Contra Fund - Growth - Direct PlanEquity - Contra Fund	77.85	1.50	56,14,961	Sep '26
KO Kotak Multi Asset Allocation Fund - Growth - Direct PlanHybrid - Multi Asset Allocation	62.95	0.41	45,40,314	Sep '26
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	51.99	0.15	37,50,000	Sep '26
MO Motilal Oswal Small Cap Fund - Growth - Direct PlanSmall cap Fund	51.39	0.62	37,06,620	Sep '26
KO Kotak Special Opportunities Fund - Growth - Direct PlanEquity - Thematic Fund - Other	35.48	1.85	25,59,280	Sep '26
ID Bandhan Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	33.88	0.16	24,43,242	Sep '26
KO Kotak Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	28.87	1.99	20,82,175	Sep '26
BB Baroda BNP Paribas Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	19.29	0.59	13,91,335	Sep '26
ID Bandhan Financial Services Fund - Growth - Direct PlanBanks & Financial Services	11.44	1.09	8,24,901	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-13	Board Meeting	Quarterly Results
2026-08-21	AGM
2026-08-05	Board Meeting	RAISING OF CAPITAL BY THE BANK

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

The Jammu & Kashmir Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

20 members across the board and senior leadership

Mohammad Shafi Mir

Company Secretary & Compliance Officer

—

Baldev Prakash

Managing Director & CEO

₹14.73 L

Mar '22

Sankarasubramanian Krishnan

Chairman

₹27.06 L

Mar '26

Vivek Bharadwaj

Non Independent & Non Executive Director

—

Amitava Chatterjee

Managing Director & Chief Executive Officer

₹1.56 Cr

Mar '26

Mandeep K Bhandari

Non Independent & Non Executive Director

—

Nitishwar Kumar

Non Independent & Non Executive Director

—

Shailendra Kumar

Nominee Director

—

RK Chhibber

Non Independent & Non Executive Director

₹32.00 L

Mar '25

Rajeev Lochan Bishnoi

Non Executive Independent Director

₹32.40 L

Mar '22

Sanjiv Dayal

Nominee Director

₹12.40 L

Mar '26

Naba Kishore Sahoo

Non Executive Independent Director

₹38.00 L

Mar '22

Anand Kumar

Non Executive Independent Director

₹36.40 L

Mar '26

Sudhir Gupta

Executive Director

₹1.12 Cr

Mar '26

Shahla Ayoub

Non Executive Independent Director

—

Arun Gandotra

Non Executive Independent Director

₹14.40 L

Mar '26

S Krishnan

Chairman

—

Prafulla Premsukh Chhajed

Non Executive Independent Director

₹3.60 L

Mar '26

Pravin Raghavendra

Non Executive Independent Director

—

Tsewang Tharchin

Director

—

J&KBANK Latest News

News

7 of 7 articles

EQUITY21 Jul 2026 · 17:08

Jammu and Kashmir Bank informs about board meeting

EQUITY3 Jul 2026 · 15:17

J&K Bank gains on inking pacts with HDFC Life Insurance Company, SBI Life Insurance Company

The agreements are for servicing and soliciting insurance products through the bank’s Branch Network

COMPANY3 Jul 2026 · 15:10

J&K Bank inks pacts with HDFC Life Insurance Company, SBI Life Insurance Company

The agreements are for servicing and soliciting insurance products through the bank’s Branch Network

EQUITY24 Jun 2026 · 17:21

Jammu & Kashmir Bank informs about trading window closure

EQUITY11 Jun 2026 · 16:36

Jammu & Kashmir Bank informs about press release

EQUITY13 May 2026 · 12:34

Jammu & Kashmir Bank informs about analyst meet

EQUITY5 May 2026 · 15:55

J&K Bank reports Profit after tax of Rs 7978.00 Mln, in the March 2026 quarter

J&KBANK

₹122.90

-9.03%