Jammu and Kashmir Bank Limited J&KBANK NIFTY_SMALLNSEFINANCIAL
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 34.7%.
- Profit CAGR of 26.0% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | J&KBANK Jammu and Kashmir Bank Limited NIFTY_SMALLNSEFINANCIAL | 140.36 | 6.55 | ₹15,456.20 Cr | 1.53% | - | 15.37% | 7.98% | 25.96% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 1,754.51 Cr | 1,884.92 Cr | 1,720.01 Cr | 1,772.51 Cr | 1,751.79 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 973.29 Cr | 1,017.21 Cr | 1,026.92 Cr | 1,043.24 Cr | 849.30 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 1,697.20 Cr | 1,731.67 Cr | 1,802.64 Cr | 1,824.35 Cr | 1,784.00 Cr |
| Pretax Income | 758.46 Cr | 809.67 Cr | 659.36 Cr | 807.20 Cr | 862.33 Cr |
| Tax Provision | 226.54 Cr | 224.74 Cr | 173.36 Cr | 219.69 Cr | 63.18 Cr |
| Net Income | 528.60 Cr | 581.91 Cr | 484.53 Cr | 581.49 Cr | 798.56 Cr |
| Diluted EPS | 4.80 | 5.28 | 4.40 | 5.28 | 7.25 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 5,426.38 Cr | 5,966.00 Cr | 6,940.31 Cr | 6,832.76 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 3,649.13 Cr | 3,767.18 Cr | 3,972.13 Cr | 3,863.26 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 4,609.44 Cr | 6,007.93 Cr | 6,741.26 Cr | 7,268.62 Cr |
| Pretax Income | - | 1,786.02 Cr | 2,388.08 Cr | 2,938.68 Cr | 2,963.58 Cr |
| Tax Provision | - | 587.45 Cr | 618.17 Cr | 852.43 Cr | 596.00 Cr |
| Net Income | - | 1,180.52 Cr | 1,771.22 Cr | 2,081.79 Cr | 2,359.51 Cr |
| Diluted EPS | 5.96 | 12.25 | 16.84 | 18.91 | - |
Compounded Sales Growth
| 5 Years: | 7.98% |
| 1 Year: | - |
Compounded Profit Growth
| 5 Years: | 25.96% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +43.20% |
| 6 Months: | +35.03% |
| 3 Months: | +31.74% |
| 1 Month: | +4.25% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 1.46 L Cr | 1.55 L Cr | 1.69 L Cr | 1.89 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 15,706.12 Cr | 17,922.29 Cr | 19,188.07 Cr | 7,855.24 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 832.32 Cr | 911.61 Cr | 980.98 Cr | 1,115.01 Cr | - |
| Total Liabilities | - | 1.36 L Cr | 1.42 L Cr | 1.55 L Cr | 1.72 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,892.31 Cr | 2,885.00 Cr | 2,382.84 Cr | 3,431.00 Cr |
| Total Equity | - | 9,896.33 Cr | 12,192.73 Cr | 14,208.31 Cr | 16,499.78 Cr |
| Shares Outstanding | - | 103.15 Cr | 110.12 Cr | 110.12 Cr | 110.12 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -407.13 Cr | -852.55 Cr | 2,723.17 Cr | -1,125.67 Cr |
| Investing Cash Flow | - | -123.51 Cr | -257.26 Cr | -102.10 Cr | -302.00 Cr |
| Financing Cash Flow | - | 637.59 Cr | 407.43 Cr | -1,034.37 Cr | -499.93 Cr |
| Capital Expenditure | - | -123.51 Cr | -185.69 Cr | -102.10 Cr | -469.37 Cr |
| Free Cash Flow | - | -530.64 Cr | -1,038.25 Cr | 2,621.07 Cr | -1,595.04 Cr |
| Net Change in Cash | - | 106.95 Cr | -702.38 Cr | 1,586.70 Cr | -1,927.60 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 21.8% | 29.7% | 30.0% | 34.5% |
| ROE % | - | 11.9% | 14.5% | 14.7% | 14.3% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for J&KBANK