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Jammu and Kashmir Bank Ltd.

J&KBANK BSE Financial Services

Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offer…

ISIN INE168A01041
Listed —
Quarters tracked 13
Filings 19 docs

About

Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC, smartphone, school education, modular kitchen, Sahafat, solar equipment, and two-wheeler finance services, as well as cash credit schemes, and loans against gold ornaments and jewellery. In addition, it offers commercial vehicle, school bus, passenger bus/mini bus, dastkar, craftsmen, commercial premises, contractor, mini sheep farm establishment, construction equipment, and tourism financing services; Saral financing services to small businessmen; mortgage loans for trade and service sector, loans against property, fair price shop schemes, and start-ups financing services; Karobar cards; guaranteed emergency credit lines; credit guarantee schemes for subordinate debt; asset based agri loans, fruit advances schemes, and Giri finance schemes; and mortgage loan schemes for agricultural produce traders. Further, the company provides government sponsored schemes; life and non-life insurance products; debit and credit cards; and merchant acquiring services. Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.

Key Metrics

as of Sep 2026
Market Cap16,543 Cr
P/E7.18
Div Yield1.43 %
Book Value₹154.00
52w High₹202.00
52w Low₹97.40
Face Value₹1.00

Quarterly Results

Rs. Crores · hover row for definition
Metric Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023
Expenses 1,092.00 886.00 961.00 955.00 1,058.00 1,072.00 993.00 978.00 951.00 702.00 903.00 980.00 1,060.00
Other Income 214.00 259.00 278.00 155.00 250.00 402.00 242.00 296.00 194.00 225.00 182.00 190.00 228.00
Depreciation 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
Interest 2,049.00 1,784.00 1,825.00 1,858.00 1,803.00 1,732.00 1,697.00 1,688.00 1,625.00 1,604.00 1,601.00 1,430.00 1,374.00
Profit before tax 619.00 861.00 806.00 634.00 658.00 809.00 758.00 754.00 612.00 829.00 560.00 544.00 451.00
Tax % 32.00 7.00 27.00 22.00 26.00 28.00 30.00 27.00 32.00 23.00 25.00 30.00 28.00
Net Profit 424.00 798.00 587.00 494.00 485.00 585.00 532.00 551.00 415.00 639.00 421.00 381.00 326.00
EPS in Rs 3.85 7.24 5.33 4.49 4.40 5.31 4.83 5.00 3.77 5.80 3.82 3.69 3.16

Profit & Loss

Annual · Rs. Crores
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Expenses 3,730.003,823.003,427.003,560.003,769.003,795.005,227.003,433.003,149.004,426.002,458.002,330.00
Other Income 940.001,130.00825.00757.00744.00692.00546.00813.00495.00493.00504.00594.00
Interest 7,269.006,742.006,009.004,610.004,102.004,340.004,740.004,292.003,751.004,174.004,133.004,410.00
Depreciation 128.00168.00218.00158.00144.00134.00125.00104.0097.0085.0064.0094.00
Profit before tax 2,958.002,934.002,385.001,784.00743.00534.00-1,100.00660.00121.00-1,506.00692.00820.00
Tax % 20.0029.0026.0033.0032.0019.004.0030.00-68.008.0040.0038.00
Net Profit 2,363.002,082.001,767.001,197.00502.00432.00-1,139.00465.00203.00-1,632.00416.00509.00
EPS in Rs 21.4618.9116.0511.615.386.06-15.978.353.64-31.318.5810.49
Dividend Payout % 0.0011.0013.004.000.000.000.000.000.000.0020.0020.00

Balance Sheet

Annual · Rs. Crores — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Equity Capital 110.00110.00110.00103.0093.0071.0071.0056.0056.0052.0048.0048.00
Reserves 16,640.0014,142.0012,126.009,840.008,014.006,754.006,322.006,570.006,106.005,624.006,375.006,062.00
Other Liabilities 3,659.004,264.004,630.0011,089.005,414.003,390.002,671.002,517.001,892.002,603.002,214.001,725.00
Total Liabilities 189,194.00169,468.00154,527.00145,962.00130,602.00120,292.00108,872.00101,406.0089,688.0082,019.0080,268.0075,931.00
Fixed Assets 2,444.002,126.002,208.002,224.001,907.001,971.002,036.001,646.001,598.001,479.00705.00655.00
CWIP 88.0066.0050.0047.0046.0041.0035.0029.0017.0064.0059.0034.00
Investments 40,822.0041,213.0034,987.0034,829.0033,835.0030,814.0023,052.0023,160.0018,880.0021,291.0020,354.0022,760.00
Other Assets 145,840.00126,065.00117,282.00108,862.0094,814.0087,465.0083,749.0076,571.0069,193.0059,184.0059,151.0052,482.00
Total Assets 189,194.00169,468.00154,527.00145,962.00130,602.00120,292.00108,872.00101,406.0089,688.0082,019.0080,268.0075,931.00

Cash Flows

Annual · Rs. Crores — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Cash from Operating Activity -1,132.002,718.00-851.00-421.00-1,568.00-11.004,374.00-2,995.002,362.002,451.00-219.00129.00
Cash from Investing Activity -302.00-102.00-257.00-123.00-85.00-76.00-114.00-164.00-164.00-861.00-136.00-271.00
Cash from Financing Activity -500.00-1,034.00407.00638.00941.00-199.00-339.00769.00668.00593.00-176.00-338.00
Net Cash Flow -1,934.001,582.00-701.0094.00-713.00-285.003,921.00-2,391.002,867.002,183.00-531.00-480.00
Free Cash Flow -1,601.002,617.00-1,037.00-544.00-1,654.00-86.004,260.00-3,160.002,199.001,590.00-355.00-121.00
CFO/OP % -4.0040.00-5.001.00-31.002.00140.00-70.0073.00112.004.0010.00

Ratios

Annual · Days / % — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015

Shareholding Pattern

% holding — latest first
Holder Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023
Promoters 59.40 59.40 59.40 59.40 59.40 59.40 59.40 59.40 59.40 59.40 59.40 63.41
FIIs 9.38 8.35 8.14 7.85 8.01 7.64 7.07 6.47 7.16 6.99 5.80 2.61
DIIs 7.85 6.00 5.84 5.76 5.87 6.69 6.82 6.41 6.74 7.90 7.81 4.92
Public 23.37 26.26 26.62 26.98 26.72 26.26 26.70 27.72 26.70 25.71 26.98 29.06
No. of Shareholders 219,636 240,539 254,219 261,978 265,968 280,187 282,743 278,050 254,645 215,294 204,193 188,609

Corporate Actions

18 records
ActionEx DateRecord DateRatioAmount (₹)Notes
Dividend 19 Aug 2025 19 Aug 2025 — 2.15
Dividend 09 Aug 2024 — — 2.15
Dividend 17 Aug 2023 — — 0.50
Dividend 11 Jul 2016 — — 1.75
Dividend 13 Aug 2015 — — 2.10
Split 04 Sep 2014 05 Sep 2014 10:1 —
Dividend 24 Jul 2014 — — 50.00
Dividend 13 Jun 2013 — — 50.00
Dividend 05 Jul 2012 — — 33.50
Dividend 29 Jun 2011 — — 26.00
Dividend 22 Jul 2010 — — 22.00
Dividend 17 Sep 2009 — — 16.90
Dividend 10 Jul 2008 — — 15.50 NSE/BSE dividend mismatch: NSE=1.55; BSE=15.5
Dividend 10 Jul 2008 — — 1.55 NSE/BSE dividend mismatch: NSE=1.55; BSE=15.5
Dividend 31 May 2007 — — 1.15
Dividend 17 Aug 2006 — — 0.80
Dividend 26 May 2005 — — 0.80
Dividend 17 May 2001 — — 4.00

Announcements

5 filings

Shareholding Pattern

Open on BSE

Financial Results — Filings

Open on BSE

Board Filings

Open on BSE

Annual Reports

Credit Ratings

Conference Calls

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