Nifty
:
24712.05
Sensex
:
80786.54
-255.70 (-1.02%)
-849.37 (-1.04%)
Nifty
Sensex
:
:
24712.05
80786.54
-255.70 (-1.02%)
-849.37 (-1.04%)

The Jammu & Kashmir Bank Ltd.

Bank - Private

Rating :
69/99

BSE: 532209 | NSE: J%26KBANK

NSE BSE
101.00
26-Aug-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  102.6
  •  103.2
  •  100.5
  •  102.91
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2316150
  •  235537880.08
  •  117.25
  •  86.61

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 11,132.95
  • 5.18
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 6,130.32
  • 2.13%
  • 0.84

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.40%
  • 2.41%
  • 21.26%
  • FII
  • DII
  • Others
  • 8.01%
  • 5.63%
  • 3.29%

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
  • 0.71
  • 0.92

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.43
  • 5.66
  • 6.05

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.64
  • 0.71
  • 0.92

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.09
  • 2.30
  • 3.26

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Interest Earned
3,269.45
2,994.36
9.19%
3,213.39
2,910.35
10.41%
3,209.67
2,881.20
11.40%
3,123.66
2,764.44
12.99%
Interest Exp.
1,802.64
1,624.97
10.93%
1,731.67
1,603.86
7.97%
1,697.20
1,600.29
6.06%
1,687.42
1,430.17
17.99%
Net Interest Income
1,466.81
1,369.39
7.11%
1,481.72
1,306.49
13.41%
1,512.47
1,280.91
18.08%
1,436.24
1,334.27
7.64%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
253.20
198.42
27.61%
405.83
228.69
77.46%
242.04
185.77
30.29%
300.65
192.90
55.86%
Total Income
3,522.65
3,192.78
10.33%
3,619.22
3,139.04
15.30%
3,451.71
3,066.97
12.54%
3,424.31
2,957.34
15.79%
Operating Exp.
1,045.56
971.56
7.62%
1,087.05
869.82
24.97%
1,005.85
915.25
9.90%
947.54
991.92
-4.47%
Operating Profit
674.45
596.25
13.12%
800.50
665.36
20.31%
748.66
551.43
35.77%
789.35
535.25
47.47%
Provision
15.09
-17.47
-
-9.17
-165.05
-
-9.80
-9.43
-
32.52
-9.95
-
PBT
659.36
613.72
7.44%
809.67
830.41
-2.50%
758.46
560.86
35.23%
756.83
545.20
38.82%
PBTM
20.17
20.50
-1.61%
25.20
28.53
-11.67%
23.63
19.47
21.37%
24.23
19.72
22.87%
TAX
173.36
196.99
-12.00%
224.74
190.61
17.91%
226.54
139.07
62.90%
204.16
163.56
24.82%
PAT
486.00
416.73
16.62%
584.93
639.80
-8.58%
531.92
421.79
26.11%
552.67
381.64
44.81%
PATM
14.86%
13.92%
18.20%
21.98%
16.57%
14.64%
17.69%
13.81%
EPS
4.41
3.78
16.67%
5.31
5.81
-8.61%
4.83
3.83
26.11%
5.02
3.47
44.67%
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
5,897.24
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
12,816.17
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
6,918.93
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
11.46%
11.42%
9.68%
21.32%
3.72%
1.73%
9.53%
17.87%
14.26%
-7.32%
 
Other Income
1,201.72
1,146.94
837.67
765.24
753.48
701.49
508.60
817.48
500.84
497.27
508.71
Total Income
14,017.89
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
4,086.00
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
3,012.96
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
68.12%
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
2,984.32
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
828.80
852.43
618.17
587.45
241.14
101.95
39.36
194.85
-81.76
126.32
275.65
Tax Rate
27.77%
29.01%
25.89%
32.89%
32.34%
18.99%
-3.44%
29.58%
-67.61%
-8.38%
39.98%
PAT
2,155.52
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
2,155.52
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
30.36%
30.03%
29.29%
21.75%
10.81%
9.72%
-28.07%
11.04%
6.01%
-54.25%
12.85%
PAT Growth
15.89%
17.87%
47.67%
137.61%
16.02%
0
-355.12%
128.85%
0
-494.59%
 
EPS
19.57
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
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • J&K Bank - Quarterly Results
    25th Jul 2025, 19:57 PM

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  • Jammu & Kashmir Bank reports 12% growth in total deposits in Q1FY26
    7th Jul 2025, 15:41 PM

    Its gross advances stood at Rs 104,039.84 crore (provisional) as of Q1FY26

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