---
title: "Jammu and Kashmir Bank (J&KBANK) Share Price, Financials & Research"
symbol: "J&KBANK"
company: "Jammu and Kashmir Bank Ltd"
canonical: "https://tapetide.com/stocks/J&KBANK"
isin: "INE168A01041"
nse_symbol: "J&KBANK"
bse_code: "532209"
sector: "Banks"
industry: "Private Bank"
generated_at: "2026-11-05T01:34:37.616Z"
---

# Jammu and Kashmir Bank (J&KBANK)

Canonical page: https://tapetide.com/stocks/J&KBANK

## Key Facts

- **Price:** ₹121.23 as of 4 Nov 2026, 15:58 IST
- **P/E (TTM):** 5.80 as of 4 Nov 2026
- **1-year price change:** +15.22% from 4 Nov 2025 to 4 Nov 2026, adjusted for splits and bonuses, dividends excluded
- **Revenue, Jun 2026 quarter:** ₹3,547.5 Cr, against ₹3,269.4 Cr in Jun 2025 (+8.51% year on year)
- **Net profit, Jun 2026 quarter:** ₹428.8 Cr, against ₹484.5 Cr in Jun 2025 (-11.50% year on year)
- **Promoter holding:** 59.40% in Sep 2026, unchanged from Jun 2026
- **Tapetide Score:** 56/100, Good band as of 4 Nov 2026

## Company

- **NSE symbol:** J&KBANK
- **BSE code:** 532209
- **ISIN:** INE168A01041
- **Macro sector:** Financial Services
- **Sector:** Banks
- **Industry:** Private Bank
- **Basic industry:** Private Sector Bank
- **In the F&O segment:** No

## Latest Price

- **Price:** ₹121.23
- **Change:** No trade today
- **Previous Close:** ₹121.23
- **As of:** 4 Nov 2026, 15:58 IST

## Key Fundamentals

Price-based figures as of 4 Nov 2026, 15:58 IST · EPS basis: Consolidated · TTM.

- **EPS (TTM):** ₹20.91
- **Book Value:** ₹145.51
- **P/E (TTM):** 5.80
- **P/B:** 0.83
- **ROE:** 15.40%
- **Dividend Yield:** 1.78%
- **52W High:** ₹201.75
- **52W Low:** ₹97.35
- **ROCE:** n/m (Not meaningful for a lender: the ratio describes an industrial company’s balance sheet)
- **Debt to Equity:** n/m (Not meaningful for a lender: the ratio describes an industrial company’s balance sheet)
- **EBITDA:** n/m (Not meaningful for a lender: the ratio describes an industrial company’s balance sheet)

## Peer Comparison

Classification: Financial Services › Banks › Private Bank › Private Sector Bank

| Company | Price | P/E | Market Cap | P/B | Div Yield | ROE | ROCE | Sales TTM | Net Profit TTM |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| [HDFC Bank Ltd (HDFCBANK)](https://tapetide.com/stocks/HDFCBANK) | ₹736.70 | 14.16 | ₹11,37,598 Cr | 1.88 | 2.48% | 13.60% | — | ₹3,59,956 Cr | ₹83,685 Cr |
| [ICICI Bank Ltd (ICICIBANK)](https://tapetide.com/stocks/ICICIBANK) | ₹1,424.10 | 17.28 | ₹10,25,874 Cr | 2.67 | 0.84% | 15.90% | — | ₹2,06,190 Cr | ₹62,827 Cr |
| [Kotak Mahindra Bank Ltd (KOTAKBANK)](https://tapetide.com/stocks/KOTAKBANK) | ₹459.40 | 21.29 | ₹4,58,686 Cr | 2.35 | 0.14% | 11.40% | — | ₹73,545 Cr | ₹21,472 Cr |
| [Axis Bank Ltd (AXISBANK)](https://tapetide.com/stocks/AXISBANK) | ₹1,232.00 | 12.79 | ₹3,83,779 Cr | 1.67 | 0.08% | 13.10% | — | ₹1,41,510 Cr | ₹30,038 Cr |
| [IDBI Bank Ltd (IDBI)](https://tapetide.com/stocks/IDBI) | ₹79.29 | 10.26 | ₹83,815 Cr | 1.32 | 2.70% | 14.10% | — | ₹30,953 Cr | ₹8,329 Cr |
| [Federal Bank Ltd (FEDERALBNK)](https://tapetide.com/stocks/FEDERALBNK) | ₹335.20 | 15.94 | ₹81,875 Cr | 2.01 | 0.36% | 11.60% | — | ₹31,552 Cr | ₹5,387 Cr |
| [IndusInd Bank Ltd (INDUSINDBK)](https://tapetide.com/stocks/INDUSINDBK) | ₹865.15 | 50.98 | ₹66,694 Cr | 1.00 | 0.18% | 1.36% | — | ₹45,297 Cr | ₹1,322 Cr |
| [Jammu and Kashmir Bank Ltd (J&KBANK)](https://tapetide.com/stocks/J&KBANK) (this company) | ₹121.23 | 5.80 | ₹13,346 Cr | 0.83 | 1.78% | 15.40% | — | ₹13,429 Cr | ₹2,304 Cr |
| Median of 8 companies | ₹598.05 | 15.05 | ₹2,33,797 Cr | 1.78 | 0.60% | 13.35% | — | ₹59,421 Cr | ₹14,901 Cr |

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

## Tapetide Score

Data-driven rating, 0–100, as of 4 Nov 2026.

- **Score:** 56/100 (Good)
- **Data confidence:** 100/100

### Category scores

| Category | Score | Band | Weight | Measures |
| --- | ---: | --- | ---: | --- |
| Quality | 57 | Good | 22% | Returns, margins, earnings quality |
| Valuation | 64 | Good | 24% | Cheap vs sector & own history |
| Growth | 45 | Weak | 9% | Sales & profit trajectory |
| Financial Health | 68 | Strong | 9% | Solvency, leverage, coverage |
| Momentum | 18 | Poor | 12% | Trend strength, vol-adjusted |
| Ownership | 60 | Good | 24% | FII/DII/promoter flows |

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

## Key Insights

### Strengths

- Stock is trading at 0.90 times its book value
- Company has delivered good profit growth of 40.7% CAGR over last 5 years

### Weaknesses

- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 10.2% over past five years.
- Contingent liabilities of Rs.7,878 Cr.
- Company might be capitalizing the interest cost
- Promoter holding has decreased over last 3 years: -4.01%

## Technical Indicators

As of 4 Nov 2026.

| Group | Signal | Bearish | Neutral | Bullish |
| --- | --- | ---: | ---: | ---: |
| Overall | Strong Bearish | 11 | 6 | 2 |
| Oscillators | Bearish | 2 | 6 | 1 |
| Moving Averages | Strong Bearish | 9 | 0 | 1 |

### Oscillators: Bearish

| Name | Value | Signal |
| --- | ---: | --- |
| RSI (14) | 38.05 | Neutral |
| MACD (12,26,9) | -6.31 | Bearish |
| Stochastic (14,3,3) | 28.60 | Neutral |
| ADX (14) | 36.62 | Bullish |
| Williams %R (14) | -68.61 | Neutral |
| ATR (14) | 5.03 | Neutral |
| ROC (12) | -9.75 | Bearish |
| Stoch RSI (14) | 71.20 | Neutral |
| UO (7,14,28) | 51.52 | Neutral |

### Moving Averages: Strong Bearish

| Name | Value | Signal |
| --- | ---: | --- |
| SMA (10) | 121.15 | Bullish |
| EMA (10) | 122.94 | Bearish |
| SMA (20) | 129.36 | Bearish |
| EMA (20) | 127.86 | Bearish |
| SMA (50) | 139.39 | Bearish |
| EMA (50) | 137.19 | Bearish |
| SMA (100) | 151.67 | Bearish |
| EMA (100) | 141.32 | Bearish |
| SMA (200) | 136.68 | Bearish |
| EMA (200) | 136.58 | Bearish |

### Pivot Points

| Level | Classic | Fibonacci | Camarilla |
| --- | ---: | ---: | ---: |
| R3 | 124.08 | 122.84 | 121.79 |
| R2 | 122.84 | 122.06 | 121.61 |
| R1 | 122.03 | 121.57 | 121.42 |
| PP | 120.79 | 120.79 | 120.79 |
| S1 | 119.98 | 120.01 | 121.04 |
| S2 | 118.74 | 119.52 | 120.85 |
| S3 | 117.93 | 118.74 | 120.67 |

## Analyst Rating

Based on 1 analyst. 1 of 1 analyst rates Buy, 0 Hold, 0 Sell. As of 4 Nov 2026.

| Rating | Analysts | Share |
| --- | ---: | ---: |
| Buy | 1 | 100% |
| Hold | 0 | 0% |
| Sell | 0 | 0% |

## Growth Rate

Growth computed from the financial statements below. A window with no rate gives the reason instead of a figure.

| Metric | Window | Growth | What it compares |
| --- | --- | ---: | --- |
| Revenue | 10Y | 6.75% | compounded annual rate, Mar 2016 to Mar 2026 |
| Revenue | 5Y | 10.15% | compounded annual rate, Mar 2021 to Mar 2026 |
| Revenue | 3Y | 12.02% | compounded annual rate, Mar 2023 to Mar 2026 |
| Revenue | 1Y | 4.86% | fiscal year to Mar 2026 vs the year to Mar 2025 |
| Revenue | TTM | 4.78% | four quarters to Jun 2026 vs the four to Jun 2025 |
| Net profit | 10Y | 19.01% | compounded annual rate, Mar 2016 to Mar 2026 |
| Net profit | 5Y | 40.7% | compounded annual rate, Mar 2021 to Mar 2026 |
| Net profit | 3Y | 25.96% | compounded annual rate, Mar 2023 to Mar 2026 |
| Net profit | 1Y | 13.35% | fiscal year to Mar 2026 vs the year to Mar 2025 |
| Net profit | TTM | 7.21% | four quarters to Jun 2026 vs the four to Jun 2025 |
| Operating cash flow | All | Not meaningful | A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business. |

## Analyst Forecasts

Consensus of analyst estimates, as of 4 Nov 2026. Low and High are the range of the estimates, not a confidence interval.

### EPS (annual)

FY27 consensus: ₹22.60 (+5.5% vs ₹21.42 in FY26).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| FY27 | ₹22.60 | ₹22.60 | ₹22.60 |
| FY28 | ₹25.20 | ₹25.20 | ₹25.20 |

### Net Income (annual)

FY27 consensus: ₹2,491 Cr (+5.2% vs ₹2,368 Cr in FY26).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| FY27 | ₹2,491 Cr | ₹2,491 Cr | ₹2,491 Cr |
| FY28 | ₹2,774 Cr | ₹2,774 Cr | ₹2,774 Cr |

### Price (quarterly)

Mar 2027 consensus: ₹218.00 (+57.2% vs ₹138.65 in Sep 2026).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| Mar 2027 | ₹218.00 | ₹218.00 | ₹218.00 |

### Revenue (annual)

FY27 consensus: ₹7,687 Cr (-45.5% vs ₹14,101 Cr in FY26).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| FY27 | ₹7,687 Cr | ₹7,687 Cr | ₹7,687 Cr |
| FY28 | ₹8,942 Cr | ₹8,942 Cr | ₹8,942 Cr |

### ROA (annual)

FY27 consensus: 1.2% (-0.1 pp vs 1.3% in FY26).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| FY27 | 1.2% | 1.2% | 1.2% |
| FY28 | 1.2% | 1.2% | 1.2% |

### ROE (annual)

FY27 consensus: 13.8% (-0.5 pp vs 14.4% in FY26).

| Period | Mean | Low | High |
| --- | ---: | ---: | ---: |
| FY27 | 13.8% | 13.8% | 13.8% |
| FY28 | 13.4% | 13.4% | 13.4% |

## AI Analysis — Bull vs Bear

AI-generated opinion, based on fundamentals. Figures as of 29 Oct 2026. Not investment advice, and not a recommendation to buy, sell or hold. Statements that rate the stock or set a price target are left out of this copy.

- **Risk (AI assessment):** High

Jammu & Kashmir Bank Ltd trades at ₹122.25 as of 2026-10-29 with a market cap of ₹13,462 Cr, a P/E of 5.85x and P/B of 0.84x — well below typical banking-sector averages. The bank has delivered strong 5-year profit CAGR of 41% but revenue growth has been modest at 10% over the same period, and the stock sits roughly 39% below its 52-week high of ₹201.75.

### Bull Case

- Trades at a P/B of just 0.84x book value, indicating the market is pricing the stock below its net asset base
- P/E (TTM) of 5.85x is significantly below the banking sector median, suggesting compressed earnings multiples relative to peers
- Compounded profit growth of 41% CAGR over 5 years demonstrates a sharp earnings recovery trajectory
- 3-year ROE averages 16% and last-year ROE stands at 15%, pointing to consistent and above-cost-of-equity returns
- Dividend yield of 1.76% offers a reasonable income component compared to many mid-cap banking peers
- EPS (TTM) of ₹20.91 against a price of ₹122.25 implies an earnings yield of ~17%, well above risk-free rates
- Stock has compounded at 29% CAGR over 5 years, reflecting meaningful long-term shareholder value creation
- 10-year compounded profit CAGR of 19% indicates the bank has navigated multiple credit cycles while growing earnings

### Bear Case

- Revenue growth has been sluggish at just 10% CAGR over 5 years and has decelerated to 5% TTM, raising questions about franchise expansion
- Contingent liabilities of ₹7,878 Cr represent a material off-balance-sheet risk relative to the ₹13,462 Cr market cap
- Low interest coverage ratio signals vulnerability to margin compression or rising funding costs
- Promoter holding has declined by 4.01% over the last 3 years, which may reflect dilution or reduced promoter confidence
- Stock is trading at ₹122.25, roughly 39% below its 52-week high of ₹201.75, indicating sustained selling pressure or de-rating
- Potential capitalisation of interest costs could mean reported profits overstate true operating performance
- 10-year ROE averages only 7%, suggesting the recent 15-16% ROE improvement may not be structurally durable
- ROCE of 5.42% is modest and indicates limited efficiency in deploying total capital employed

This is AI-generated analysis, not financial advice. Do your own due diligence.

## AI News Digest

AI-generated summary of recent news, generated 4 Nov 2026. Not investment advice, and not a recommendation to buy, sell or hold. Statements that rate the stock or set a price target are left out of this copy.

**TL;DR:** J&K Bank is firing on most cylinders — record FY26 profit of ₹2,363 crore, strong Q2FY27 earnings growth, and asset quality at decadal bests with GNPA at 2.23%. The PNB MetLife stake sale adds ₹120 crore from non-core assets. The key risk is NIM compression to 3.22%, which bears watching if the trend continues. Overall momentum is positive, but margin trajectory in coming quarters will be critical to sustaining earnings growth.

### Headwinds

- **NIM compression in Q2FY27** (Oct 22): Net interest margin compressed to 3.22% in Q2FY27, signaling potential pressure on core lending profitability going forward.

### Positives

- **Record annual profit in FY26** (Oct 21): J&K Bank reported its highest-ever annual profit of ₹2,363.47 crore for FY26, with total business reaching ₹2.90 lakh crore.
- **Q2FY27 profit up 29% QoQ** (Oct 22): Net profit jumped 29% sequentially to ₹546 crore in Q2FY27, with asset quality at decadal bests as GNPA fell to 2.23%.
- **PNB MetLife stake sale at ₹120 crore** (Oct 16): Completed sale of 0.5% stake in PNB MetLife on October 16 for ₹120.10 crore at ₹117.20 per share, unlocking value from non-core holdings.

### Neutral

- **Related party transactions at ₹82.51 crore** (Oct 22): H1FY27 related party transactions totaled ₹82.51 crore, with ₹76.93 crore in interest paid to associate J&K Grameen Bank and ₹2.95 crore as KMP remuneration.

## Financial Statements

### Quarterly Results

Figures in ₹ crore unless the row name gives another unit.

| Item | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 |
| Expenses | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,075 | 1,061 | 958 | 964 | 889 | 1,095 |
| Financing Profit | 221 | 352 | 375 | 602 | 415 | 456 | 516 | 406 | 406 | 477 | 527 | 600 | 403 |
| Financing Margin % | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 14% | 16% | 18% | 11% |
| Other Income | 230 | 193 | 186 | 229 | 198 | 301 | 242 | 403 | 253 | 157 | 280 | 262 | 217 |
| Interest | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 452 | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 | 862 | 621 |
| Tax % | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% | 27% | 7% | 31% |
| Net Profit | 331 | 384 | 423 | 633 | 418 | 553 | 529 | 585 | 485 | 495 | 581 | 799 | 429 |
| EPS in Rs | 3.21 | 3.72 | 3.84 | 5.75 | 3.8 | 5.02 | 4.8 | 5.28 | 4.4 | 4.49 | 5.28 | 7.25 | 3.89 |

### Profit & Loss

Figures in ₹ crore unless the row name gives another unit.

| Item | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | 7,061 | 6,844 | 6,686 | 6,621 | 7,676 | 8,446 | 8,111 | 8,013 | 9,355 | 11,213 | 12,541 | 13,151 | 13,429 |
| Expenses | 2,336 | 2,466 | 4,431 | 3,154 | 3,439 | 5,234 | 3,802 | 3,774 | 3,567 | 3,437 | 3,834 | 3,741 | 3,907 |
| Financing Profit | 316 | 245 | -1,919 | -283 | -55 | -1,527 | -30 | 137 | 1,178 | 1,768 | 1,966 | 2,141 | 2,007 |
| Financing Margin % | 4% | 4% | -29% | -4% | -1% | -18% | 0% | 2% | 13% | 16% | 16% | 16% | 15% |
| Other Income | 599 | 509 | 497 | 501 | 817 | 509 | 701 | 753 | 765 | 838 | 1,140 | 951 | 918 |
| Interest | 4,409 | 4,132 | 4,173 | 3,750 | 4,291 | 4,739 | 4,340 | 4,101 | 4,609 | 6,008 | 6,741 | 7,269 | 7,515 |
| Depreciation | 95 | 64 | 85 | 97 | 104 | 126 | 134 | 144 | 158 | 218 | 168 | 128 | 0 |
| Profit before tax | 820 | 689 | -1,507 | 121 | 659 | -1,144 | 537 | 747 | 1,786 | 2,388 | 2,939 | 2,964 | 2,925 |
| Tax % | 38% | 40% | 8% | -68% | 30% | 3% | 19% | 32% | 33% | 26% | 29% | 20% | — |
| Net Profit | 508 | 414 | -1,633 | 203 | 464 | -1,183 | 428 | 495 | 1,181 | 1,771 | 2,086 | 2,368 | 2,304 |
| EPS in Rs | 10.49 | 8.54 | -31.32 | 3.64 | 8.33 | -16.59 | 6.01 | 5.3 | 11.44 | 16.08 | 18.91 | 21.43 | 20.91 |
| Dividend Payout % | 20% | 20% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 13% | 11% | 0% | — |

### Balance Sheet

Figures in ₹ crore unless the row name gives another unit.

| Item | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Equity Capital | 48 | 48 | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 110 | 110 |
| Reserves | 6,060 | 6,372 | 5,621 | 6,102 | 6,566 | 6,274 | 6,731 | 7,984 | 9,793 | 12,083 | 14,098 | 16,390 |
| Borrowing | 1,740 | 2,240 | 1,276 | 1,628 | 2,624 | 2,020 | 2,015 | 2,371 | 2,892 | 2,885 | 2,383 | 3,431 |
| Deposits | 66,336 | 69,379 | 72,459 | 80,005 | 89,637 | 97,786 | 1,08,047 | 1,14,703 | 1,22,027 | 1,34,765 | 1,48,552 | 1,65,342 |
| Other Liabilities | 1,726 | 2,214 | 2,604 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | 11,097 | 4,662 | 4,280 | 3,687 |
| Total Liabilities | 75,910 | 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 | 1,88,960 |
| Fixed Assets | 655 | 706 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,126 | 2,445 |
| CWIP | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 | 88 |
| Investments | 22,740 | 20,334 | 21,271 | 18,860 | 23,140 | 22,990 | 30,774 | 33,785 | 34,780 | 34,900 | 41,122 | 40,520 |
| Other Assets | 52,481 | 59,156 | 59,198 | 69,210 | 76,589 | 83,768 | 87,486 | 94,837 | 1,08,860 | 1,17,347 | 1,26,110 | 1,45,906 |
| Total Assets | 75,910 | 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 | 1,88,960 |

### Cash Flow

Figures in ₹ crore unless the row name gives another unit.

| Item | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash from Operating Activity | 118 | -219 | 2,457 | 2,363 | -2,992 | 4,374 | -14 | -1,568 | -407 | -853 | 2,723 | -1,126 |
| Cash from Investing Activity | -261 | -136 | -861 | -164 | -165 | -115 | -76 | -85 | -124 | -257 | -102 | -302 |
| Cash from Financing Activity | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 | -1,034 | -500 |
| Net Cash Flow | -480 | -531 | 2,189 | 2,867 | -2,388 | 3,920 | -289 | -712 | 107 | -702 | 1,587 | -1,928 |
| Free Cash Flow | -131 | -355 | 1,596 | 2,199 | -3,156 | 4,259 | -90 | -1,653 | -531 | -1,038 | 2,621 | -1,595 |

### Ratios

| Item | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| ROE % | 9% | 7% | -27% | 3% | 7% | -18% | 7% | 7% | 13% | 16% | 16% | 15% |

## Shareholding Pattern

### Quarterly Shareholding

Holdings in % of shares; shareholders as a count.

| Holder | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Promoters | 68.18% | 68.18% | 70.12% | 70.12% | 70.12% | 68.03% | 68.03% | 68.03% | 63.41% | 63.41% | 63.41% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% |
| FIIs | 3.59% | 1.79% | 1.43% | 0.70% | 0.71% | 0.76% | 0.82% | 1.96% | 2.25% | 2.18% | 2.61% | 5.81% | 6.99% | 7.16% | 6.46% | 7.07% | 7.64% | 8.01% | 7.85% | 8.14% | 8.34% | 9.38% | 11.62% |
| DIIs | 0.19% | 0.22% | 0.16% | 0.23% | 0.21% | 0.94% | 2.12% | 2.78% | 2.66% | 2.44% | 4.92% | 8.00% | 8.15% | 6.99% | 6.66% | 6.83% | 6.70% | 5.87% | 5.76% | 5.83% | 6.00% | 7.84% | 7.42% |
| Government | 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% | 0.00% | 0.00% | 0.00% | 0.00% |
| Public | 22.17% | 29.81% | 28.30% | 28.96% | 28.96% | 30.27% | 29.03% | 27.23% | 26.20% | 31.97% | 23.54% | 26.79% | 20.32% | 21.07% | 21.94% | 21.48% | 21.06% | 21.26% | 21.39% | 21.27% | 20.27% | 17.71% | 16.60% |
| Others | 5.87% | n/m | n/m | n/m | n/m | n/m | n/m | n/m | 5.49% | n/m | 5.52% | n/m | 5.14% | 5.38% | 5.54% | 5.22% | 5.20% | 5.46% | 5.60% | 5.36% | 5.99% | 5.67% | 4.96% |
| No. of Shareholders | 1,42,214 | 1,74,468 | 1,72,856 | 1,84,254 | 1,92,588 | 1,95,935 | 1,89,535 | 1,69,558 | 1,72,074 | 1,72,171 | 1,88,609 | 1,88,609 | 2,15,294 | 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 |

n/m: Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

## Documents

### Concalls

Latest 12 of 26.

| Month | Call documents |
| --- | --- |
| Aug 2026 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=e97a54ef-a4c4-43ee-8c57-e93e53cb4c20.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=c19a359c-aed7-4228-ba9c-37dbc9267db9.pdf) |
| Jul 2026 | [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=c19a359c-aed7-4228-ba9c-37dbc9267db9.pdf) |
| May 2026 | [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=41757cf1-8ce1-47e1-b2a7-428f064fd872.pdf) |
| May 2026 | [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=f7d1b14c-ec09-4e6e-956a-b7750b2a7a1b.pdf) |
| Jan 2026 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=ffa08c0d-c454-4069-be40-e9c1d5f2fae9.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=3d225ddb-8274-4479-9cd0-9cbeb5142a86.pdf) |
| Oct 2025 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=b8e74164-bc5e-4680-a0bc-b321aac5c747.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=09ae17f5-3b81-473b-a741-7c8ca39dcd93.pdf), [Recording](https://jkb.bank.in/sites/default/files/2025-10/10036314.mp3) |
| Jul 2025 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=aabee052-cee7-4b53-80e8-cd35105ab8f0.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=ff34c564-d7c6-478b-8f86-73acfec558a1.pdf) |
| May 2025 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=fc6ff6d0-c86b-4d16-aad3-e063d659cfad.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=6e3c43cc-5a6f-4149-b8fc-dea3eeb32591.pdf) |
| Jan 2025 | [Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=86b28c9b-3771-49e7-a692-1bc89cbf399a.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=f7ae6573-4345-4143-9fbc-9d56e66781dd.pdf) |
| Oct 2024 | [Transcript](https://www.jkbank.com/media/ICICISec-JK-Oct25-2024_Transcript.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=bf824d9a-3744-4d10-bdd6-3a0f9aab4bba.pdf) |
| Jul 2024 | [Transcript](https://www.jkbank.com/media/ICICISec-J&KBank-27July-2024.pdf), [PPT](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=24f5a52c-41ba-4d18-a722-9e529ef84489.pdf) |
| Jun 2024 | [PPT](https://www.jkbank.com/pdfs/PresentationsForAnalysts/Investor%20PPT%20Q1%20June%202024-25.pdf) |

### Results

Latest 12 of 28.

| Date | Document |
| --- | --- |
| 22 Oct 2026 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2026](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=86e89c5f-000d-46c1-a238-db84515292b3.pdf) |
| 29 Jul 2026 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE 2026](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=67472e96-550c-4750-acb5-6085515d0f02.pdf) |
| 5 May 2026 | [Financials March 2026](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=9c48620e-6260-46b7-9784-ddf471631183.pdf) |
| 18 Oct 2025 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=f8969768-1f0f-43eb-a54d-588f80b16afb.pdf) |
| 25 Jul 2025 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE 2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=16bb174f-ad96-4e37-8752-cc85217b8ea3.pdf) |
| 5 May 2025 | [Board Meeting Outcome for AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH 2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=d0189863-b62e-447c-8d21-10d64dd7eb7a.pdf) |
| 25 Oct 2024 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER, 2024](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=d66284e2-284d-4a2e-bad4-a3f7c39fb34b.pdf) |
| 27 Jul 2024 | [Financial Results June, 2024](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=fc233b03-0ac7-4ccd-8017-af5f6c37d285.pdf) |
| 4 May 2024 | [AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH, 2024](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=a739ac72-7dff-4baa-95f0-f6bcfba4d2f9.pdf) |
| 20 Jan 2024 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND NINE MONTHS ENDED 31ST DECEMBER, 2023](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=6666af86-feb9-4f28-b292-c393df01237c.pdf) |
| 20 Oct 2023 | [REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THEQUARTER AND HALF YEAR ENDED 30TH SEPTEMBER, 2023](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=ff46623d-66d2-4e85-827b-2265d9549504.pdf) |
| 24 Jul 2023 | [REVIEWED FINANCIAL RESULTS OF THE BANK FOR THE QUARTER ENDED 30TH JUNE , 2023 (STANDALONE & CONSOLIDATED)](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=190fc4aa-878f-4141-b537-499fc81a94f2.pdf) |

### Annual reports

Latest 12 of 16.

| Year | Report |
| --- | --- |
| FY2026 | [Annual report](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=5661b2c4-8f7a-4bed-8ff0-fc6cf94ed5db.pdf) |
| FY2025 | [Annual report](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=c8ebd954-d4bc-4986-9f89-d9611e417864.pdf) |
| FY2024 | [Annual report](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=0d7db9d9-fb8a-4f11-b3b2-4af9c3e4ef1b.pdf) |
| FY2023 | [Annual report](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=7b895ba7-29ae-4e1b-b095-5c2ca14a9462.pdf) |
| FY2022 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/74052532209.pdf) |
| FY2021 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/72192532209_04_10_21.pdf) |
| FY2020 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/66181532209.pdf) |
| FY2019 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/5322090319.pdf) |
| FY2018 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/5322090318.pdf) |
| FY2017 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/5322090317.pdf) |
| FY2016 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/5322090316.pdf) |
| FY2015 | [Annual report](https://www.bseindia.com/bseplus/AnnualReport/532209/5322090315.pdf) |

### Credit ratings

| Date | Document |
| --- | --- |
| 11 Sep 2026 | [Credit rating update — CARE Ratings](https://www.careratings.com/upload/CompanyFiles/PR/202609140941_Jammu_&_Kashmir_Bank_Limited.pdf) |
| 20 Aug 2026 | [Credit rating update — India Ratings](https://www.indiaratings.co.in/pressrelease/84907) |
| 11 Jun 2026 | [Credit rating update — CRISIL](https://www.crisil.com/mnt/winshare/Ratings/RatingList/RatingDocs/TheJammuandKashmirBankLimited_June%2011_%202026_RR_397847.html) |
| 30 Sep 2025 | [Credit rating update — Brickwork Ratings](https://www.brickworkratings.com/Admin/PressRelease/The-Jammu-Kashmir-Bank-30Sep2025.pdf) |
| 15 Sep 2025 | [Credit rating update — CARE Ratings](https://www.careratings.com/upload/CompanyFiles/PR/202509120917_Jammu_&_Kashmir_Bank_Limited.pdf) |
| 12 Jun 2025 | [Credit rating update — CRISIL](https://www.crisil.com/mnt/winshare/Ratings/RatingList/RatingDocs/TheJammuandKashmirBankLimited_June%2012_%202025_RR_370996.html) |
| 14 Feb 2025 | [Credit rating update — CRISIL](https://www.crisil.com/mnt/winshare/Ratings/RatingList/RatingDocs/TheJammuandKashmirBankLimited_February%2014_%202025_RR_363259.html) |
| 12 Feb 2025 | [Credit rating update — CARE Ratings](https://www.careratings.com/upload/CompanyFiles/PR/202502130226_Jammu_&_Kashmir_Bank_Limited.pdf) |
| 3 Oct 2024 | [Credit rating update — Brickwork Ratings](https://www.brickworkratings.com/Admin/PressRelease/The-Jammu-Kashmir-Bank-3Oct2024.pdf) |

### Exchange filings

Latest 12 of 130.

| Date | Document | Category |
| --- | --- | --- |
| 29 Oct 2026 | [CLARIFICATION REGARDING GST TREATMENT OF FUND TRANSFER PRICING (FTP) MECHANISM IN BANKS](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=d65dc457-ef69-487e-b271-06a38e6aa266.pdf) | General announcements |
| 27 Oct 2026 | [Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=36dee2ae-f56a-4670-8a67-cdff652eb791.pdf) | General announcements |
| 23 Oct 2026 | [Announcement under Regulation 30 (LODR)-Newspaper Publication](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=4654af5a-d401-42dc-8dea-7ff6d03de9f4.pdf) | General announcements |
| 22 Oct 2026 | [Board Meeting Outcome for REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2026](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=c315e395-1815-435a-b713-88bcc4c0b88c.pdf) | Outcome |
| 22 Oct 2026 | [Integrated Financial Results](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=56de5d6e-0f3c-43e2-8e16-bdcd7654af09.pdf) | General announcements |
| 22 Oct 2026 | [Statement Of Deviation & Variation](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=bc65dabe-aecf-4d66-b5bf-4e8fe6d20e3f.pdf) | Compliance |
| 22 Oct 2026 | [Related Party Disclosure](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=3bbeb9cd-6f03-41a9-a2f2-9f3598807907.pdf) | General announcements |
| 22 Oct 2026 | [Announcement under Regulation 30 (LODR)-Press Release / Media Release](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=3a4603a1-100c-482a-86da-5853888c90b4.pdf) | General announcements |
| 22 Oct 2026 | [Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=50f094bc-2042-4a11-817b-bc7bdf13ab3a.pdf) | General announcements |
| 22 Oct 2026 | [Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=88a452ed-5334-4f9b-aca4-0e151fe98c1c.pdf) | General announcements |
| 21 Oct 2026 | [Shareholder Meeting / Postal Ballot-Outcome of AGM](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=258763cd-e168-47dc-b10b-64ac168caefe.pdf) | Outcome |
| 19 Oct 2026 | [Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=c09230a8-be47-43f7-85cf-a09f14783057.pdf) | General announcements |

## Frequently Asked Questions about Jammu and Kashmir Bank

### What does Jammu and Kashmir Bank Ltd do?

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.

### Where is Jammu and Kashmir Bank Ltd (J&KBANK) listed?

Jammu and Kashmir Bank Ltd trades as J&KBANK on the NSE and under code 532209 on the BSE.

### Which sector does Jammu and Kashmir Bank Ltd belong to?

Jammu and Kashmir Bank Ltd is classified under the Banks sector, in the Private Bank industry.

### What is the PE ratio of Jammu and Kashmir Bank Ltd?

Jammu and Kashmir Bank Ltd trades at a PE ratio of 5.80 as of 4 Nov 2026, on earnings per share of ₹20.91, against a book value of ₹145.51 per share.

### What is the 52-week high and low of Jammu and Kashmir Bank Ltd?

Over the last 52 weeks Jammu and Kashmir Bank Ltd has traded between ₹97.35 and ₹201.75 as of 4 Nov 2026.

### Does Jammu and Kashmir Bank Ltd pay dividends?

Jammu and Kashmir Bank Ltd has a dividend yield of 1.78%.

### What is the Return on Equity (ROE) of Jammu and Kashmir Bank Ltd?

Jammu and Kashmir Bank Ltd reported a return on equity of 15.40%.

## Company Information

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations. It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings. The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.

- **Website:** https://jkb.bank.in/
- **Listed:** 22 Jul 1998
- **Face Value:** ₹1

---

Negative figures use an ASCII hyphen-minus (-) so they parse as numbers. Amounts are in Indian rupees; "Cr" is crore (10 million). Dates are Indian Standard Time.

Financial statements, shareholding and filings are as reported by the company. Price, volume and 52-week levels are market data. Technical indicators are computed by Tapetide from daily prices. The Tapetide Score is Tapetide’s own analysis. Analyst ratings and forecasts are the published estimates of third-party analysts, not company statements. The AI sections are generated text.

For research and information only, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Generated 5 Nov 2026, 07:04 IST.