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The Jammu & Kashmir Bank Ltd.

Bank - Private

Rating :
77/99

BSE: 532209 | NSE: J%26KBANK

NSE BSE
98.92
20-Jan-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  102.8
  •  103.57
  •  98.5
  •  102.80
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4323601
  •  439292369.38
  •  117.25
  •  87.3

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 10,890.69
  • 5.08
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 5,888.06
  • 2.17%
  • 0.80

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.40%
  • 2.29%
  • 21.27%
  • FII
  • DII
  • Others
  • 8.14%
  • 5.70%
  • 3.20%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 25.78
  • -
  • 11.91

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 17.56
  • 36.84
  • 20.29

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.75
  • 0.96

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.49
  • 5.68
  • 5.82

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.64
  • 0.75
  • 0.96

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.26
  • 2.47
  • 3.09

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Interest Earned
3,314.94
3,209.67
3.28%
3,293.00
3,123.66
5.42%
3,269.45
2,994.36
9.19%
3,213.39
2,910.35
10.41%
Interest Exp.
1,824.35
1,697.20
7.49%
1,857.63
1,687.42
10.09%
1,802.64
1,624.97
10.93%
1,731.67
1,603.86
7.97%
Net Interest Income
1,490.59
1,512.47
-1.45%
1,435.37
1,436.24
-0.06%
1,466.81
1,369.39
7.11%
1,481.72
1,306.49
13.41%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
281.92
242.04
16.48%
157.26
300.65
-47.69%
253.20
198.42
27.61%
405.83
228.69
77.46%
Total Income
3,596.86
3,451.71
4.21%
3,450.26
3,424.31
0.76%
3,522.65
3,192.78
10.33%
3,619.22
3,139.04
15.30%
Operating Exp.
991.12
1,005.85
-1.46%
968.88
947.54
2.25%
1,045.56
971.56
7.62%
1,087.05
869.82
24.97%
Operating Profit
781.39
748.66
4.37%
623.75
789.35
-20.98%
674.45
596.25
13.12%
800.50
665.36
20.31%
Provision
-25.81
-9.80
-
-10.93
32.52
-
15.09
-17.47
-
-9.17
-165.05
-
PBT
807.20
758.46
6.43%
634.68
756.83
-16.14%
659.36
613.72
7.44%
809.67
830.41
-2.50%
PBTM
24.35
23.63
3.05%
19.27
24.23
-20.47%
20.17
20.50
-1.61%
25.20
28.53
-11.67%
TAX
219.69
226.54
-3.02%
139.77
204.16
-31.54%
173.36
196.99
-12.00%
224.74
190.61
17.91%
PAT
587.51
531.92
10.45%
494.91
552.67
-10.45%
486.00
416.73
16.62%
584.93
639.80
-8.58%
PATM
17.72%
16.57%
15.03%
17.69%
14.86%
13.92%
18.20%
21.98%
EPS
5.34
4.83
10.56%
4.49
5.02
-10.56%
4.41
3.78
16.67%
5.31
5.81
-8.61%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Interest Income
5,874.49
5,799.82
5,205.27
4,745.79
3,911.64
3,771.21
3,707.05
3,384.43
2,871.21
2,512.79
2,711.37
Interest Earned
13,090.78
12,541.08
11,213.20
9,355.23
8,012.98
8,111.09
8,446.29
7,675.56
6,621.40
6,685.80
6,843.57
Interest Expended
7,216.29
6,741.26
6,007.93
4,609.44
4,101.34
4,339.88
4,739.24
4,291.13
3,750.19
4,173.01
4,132.20
Int. income Growth
4.44%
11.42%
9.68%
21.32%
3.72%
1.73%
9.53%
17.87%
14.26%
-7.32%
 
Other Income
1,098.21
1,146.94
837.67
765.24
753.48
701.49
508.60
817.48
500.84
497.27
508.71
Total Income
14,188.99
6,946.76
6,042.94
5,511.03
4,665.12
4,472.70
4,215.65
4,201.91
3,372.05
3,010.06
3,220.08
Total Expenditure
4,092.61
3,849.73
3,446.95
3,592.52
3,795.21
3,801.68
5,234.00
3,438.94
3,154.44
4,431.45
2,466.31
Employee Cost
-
2,787.88
2,578.98
2,708.56
2,675.08
2,062.43
1,890.64
1,650.11
1,290.62
1,126.35
1,025.19
% Of Sales
-
22.23%
23.00%
28.95%
33.38%
25.43%
22.38%
21.50%
19.49%
16.85%
14.98%
Opt. & Establishment Exp.
-
1,382.47
1,391.50
1,074.77
1,047.90
956.02
969.60
939.20
796.26
675.36
593.45
% Of Sales
-
11.02%
12.41%
11.49%
13.08%
11.79%
11.48%
12.24%
12.03%
10.10%
8.67%
Provisions
-
-3.92
-107.69
74.13
320.89
1,051.79
2,625.10
1,058.17
1,260.92
2,800.30
976.23
% Of Sales
-
-0.03%
-0.96%
0.79%
4.00%
12.97%
31.08%
13.79%
19.04%
41.88%
14.26%
EBITDA
2,880.09
3,097.03
2,595.99
1,918.51
869.91
671.02
-1,018.35
762.97
217.61
-1,421.39
753.77
EBITDA Margin
68.74%
53.40%
49.87%
40.43%
22.24%
17.79%
-27.47%
22.54%
7.58%
-56.57%
27.80%
Depreciation
0.00
158.35
207.92
132.47
124.33
134.28
125.67
104.27
96.68
85.28
64.28
PBT
2,910.91
2,938.68
2,388.08
1,786.04
745.58
536.75
-1,144.03
658.70
120.93
-1,506.67
689.49
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
757.56
852.43
618.17
587.45
241.14
101.95
39.36
194.85
-81.76
126.32
275.65
Tax Rate
26.02%
29.01%
25.89%
32.89%
32.34%
18.99%
-3.44%
29.58%
-67.61%
-8.38%
39.98%
PAT
2,153.35
2,086.25
1,769.91
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
PAT before Minority Interest
2,153.35
2,086.25
1,769.91
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
30.88%
30.03%
29.29%
21.75%
10.81%
9.72%
-28.07%
11.04%
6.01%
-54.25%
12.85%
PAT Growth
0.57%
17.87%
47.67%
137.61%
16.02%
0
-355.12%
128.85%
0
-494.59%
 
EPS
19.55
18.95
16.07
10.88
4.58
3.95
-10.75
4.21
1.84
-14.83
3.76

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
14,208.31
12,192.73
9,896.33
8,077.12
6,802.27
6,345.85
6,621.76
6,157.59
5,672.89
6,420.86
Share Capital
110.13
110.13
103.16
93.30
71.36
71.36
55.70
55.70
52.15
48.49
Total Reserves
14,098.18
12,082.59
9,793.16
7,890.31
6,730.91
6,274.49
6,566.05
6,101.89
5,620.74
6,372.36
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
1,48,552.02
1,34,764.66
1,22,027.18
1,14,702.77
1,08,047.30
97,785.83
89,636.83
80,004.53
72,458.97
69,378.81
Borrowings
2,382.84
2,885.00
2,892.31
2,370.82
2,015.20
2,019.58
2,623.96
1,628.34
1,276.05
2,240.00
Other Liabilities & Provisions
4,280.36
4,662.20
11,096.78
5,425.33
3,408.11
2,677.89
2,522.28
1,893.98
2,604.22
2,213.87
Total Liabilities
1,69,423.53
1,54,504.59
1,45,912.60
1,30,576.04
1,20,272.88
1,08,829.15
1,01,404.83
89,684.44
82,012.13
80,253.54
Net Block
2,126.29
2,208.25
2,224.43
1,907.51
1,971.42
2,036.32
1,646.36
1,598.33
1,479.35
705.66
Gross Block
4,060.61
3,976.16
3,775.81
3,302.41
3,226.74
3,159.14
2,646.19
2,497.28
2,285.62
1,430.01
Accumulated Depreciation
1,934.32
1,767.91
1,551.38
1,394.90
1,255.33
1,122.82
999.83
898.95
806.27
724.35
Total Non-Current Assets
1,57,280.52
1,39,111.05
1,28,228.62
1,14,924.16
1,09,132.37
99,253.28
96,959.64
85,647.69
78,023.49
74,495.38
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
65.55
49.50
47.32
46.43
41.42
34.82
28.96
16.55
64.34
58.60
Cash and balance with RBI
7,385.48
7,250.08
7,794.06
7,750.20
3,685.33
2,947.48
4,874.97
4,328.36
3,590.97
3,126.74
Balance with banks and money at call
2,397.67
946.40
1,104.80
1,041.70
5,818.37
6,845.12
997.34
3,931.68
1,801.83
77.47
Investments
41,121.71
34,900.22
34,780.40
33,785.25
30,774.10
22,990.47
23,140.50
18,860.03
21,270.89
20,333.62
Advances
1,04,183.82
93,756.60
82,277.61
70,393.07
66,841.73
64,399.07
66,271.51
56,912.74
49,816.11
50,193.29
Other Assets
12,143.02
15,393.53
17,683.97
15,651.86
11,140.50
9,575.87
4,445.19
4,036.74
3,988.64
5,758.16
Total Assets
1,69,423.54
1,54,504.58
1,45,912.59
1,30,576.02
1,20,272.87
1,08,829.15
1,01,404.83
89,684.43
82,012.13
80,253.54
Contingent Liabilities
5,715.57
4,844.87
5,233.77
5,524.94
4,866.94
5,756.78
6,392.54
5,795.12
6,108.99
16,864.11
Bills for collection
1,364.98
1,513.27
1,705.41
1,538.06
1,439.60
1,160.77
1,443.66
1,193.53
1,190.86
1,208.82
Adjusted Book Value
117.78
99.20
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
2,723.15
-852.55
-407.13
-1,568.05
-14.17
4,373.94
-2,991.71
2,362.68
2,457.10
-218.95
PBT
2,934.21
2,389.40
1,767.96
737.13
531.94
-1,144.03
658.69
120.93
-1,506.68
689.49
Adjustment
583.26
440.79
440.97
626.99
1,369.48
2,989.73
1,393.83
1,467.16
2,937.27
1,091.38
Adjustments for Liabilities & Assets
-63.28
-3,216.36
-2,160.97
-2,688.64
-1,827.85
2,661.02
-5,008.48
955.79
1,098.57
-1,605.78
Refund/(Payment) of direct taxes
-731.04
-466.38
-455.09
-243.53
-87.73
-132.78
-35.76
-181.20
-72.07
-394.04
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-102.10
-257.26
-123.51
-85.18
-75.98
-114.69
-164.64
-163.87
-861.35
-135.84
Net Fixed Assets
-99.97
-202.40
-474.23
-80.64
-74.17
-518.61
-160.87
-163.82
-861.32
-135.66
Other Investment Activity
-4380.38
-4146.66
-3905.93
-3422.50
-3380.57
-3356.35
-2836.97
-3373.58
-2484.25
-1748.02
Cash from Financing Activity
-1,034.38
407.43
637.59
941.43
-198.75
-338.95
768.61
668.43
592.85
-176.15
Closing Cash & Equivalent
9,783.15
8,196.48
8,898.86
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
Net Cash Inflow / Outflow
1,586.67
-702.38
106.95
-711.80
-288.90
3,920.29
-2,387.74
2,867.24
2,188.60
-530.94
Opening Cash & Equivalents
8,196.48
8,898.86
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value
117.78
99.20
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45
NIM
3.74
3.80
3.77
3.46
3.52
3.81
3.55
3.42
3.29
3.68
Yield on Advances
12.04
11.96
11.37
11.38
12.13
13.12
11.58
11.63
13.42
13.63
Yield on Investments
6.74
6.66
6.10
5.33
6.44
7.35
7.55
7.79
9.02
8.82
Cost of Liabilities
4.47
4.36
3.69
3.50
3.94
4.75
4.65
4.59
5.66
5.77
Interest Spread
7.57
7.60
7.68
7.88
8.19
8.37
6.93
7.04
7.76
7.86
ROCE
20.48%
19.45%
17.59%
9.82%
8.58%
-10.24%
10.94%
3.52%
-18.09%
9.78%
Cost Income Ratio
57.75
62.26
66.25
77.14
64.48
64.87
59.14
59.02
57.02
48.27
Core Cost Income Ratio
58.20
63.35
66.72
78.62
67.90
65.79
62.29
59.87
59.74
50.58
Operating Costs to Assets
2.37
2.44
2.50
2.76
2.40
2.51
2.45
2.22
2.09
1.94
Loans/Deposits
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.02
0.02
0.03
Cash/Deposits
0.05
0.05
0.06
0.07
0.03
0.03
0.05
0.05
0.05
0.05
Investment/Deposits
0.28
0.26
0.28
0.29
0.28
0.24
0.26
0.24
0.29
0.29
Inc Loan/Deposits
1.60%
2.14%
2.37%
2.07%
1.87%
2.07%
2.93%
2.04%
1.76%
3.23%
Credit Deposits
70.13%
69.57%
67.43%
61.37%
61.86%
65.86%
73.93%
71.14%
68.75%
72.35%
Interest Expended / Interest earned
53.75%
53.58%
49.27%
51.18%
53.51%
56.11%
55.91%
56.64%
62.42%
60.38%
Interest income / Total funds
7.40%
7.26%
6.41%
6.14%
6.74%
7.76%
7.57%
7.38%
8.15%
8.53%
Interest Expended / Total funds
3.98%
3.89%
3.16%
3.14%
3.61%
4.35%
4.23%
4.18%
5.09%
5.15%
CASA
47.02%
50.51%
54.10%
56.56%
56.84%
53.65%
50.70%
50.89%
51.70%
44.13%

Annual Reports:

FY 2025
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News Update:


  • J&K Bank - Quarterly Results
    21st Jan 2026, 00:00 AM

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  • Jammu & Kashmir Bank reports 11% growth in total deposits in Q3FY26
    3rd Jan 2026, 11:32 AM

    Its gross advances stood at Rs 1,16,247.92 crore (provisional) as of Q3FY26

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