Jammu and Kashmir Bank Ltd.

BSE: J&KBANK532209ISIN INE168A01041

Financial Services
Private Sector Bank
BSE 500

BSE listing

Share price

₹146.75-0.60 (-0.41%)

as of 18 Sep 2026

52W high: ₹202.00
52W low: ₹97.40
Off 52W high: -27.35%
1M return: -1.51%
3M return: -10.24%
6M return: +23.58%
1Y return: +40.52%
20D avg volume: 1,41,785
50 DMA: ₹158.71
200 DMA: ₹131.66

Key ratios Consolidated

Market cap: ₹16,160 Cr
Current price: ₹146.75
52W high / low: ₹202.00 / ₹97.40
Face value: ₹1.00
P/E: 7.01
P/B: —
EPS (TTM): ₹20.95
Book value / share: —
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: —
Net debt: —
Interest cover: —
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	217.48	262.45	281.92	157.26	253.20	405.83	242.04	300.65	198.42	228.69	185.77	192.90
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	620.80	862.33	807.20	634.68	659.36	809.67	758.46	756.83	613.72	830.41	560.86	545.20
	195.48	63.18	219.69	139.77	173.36	224.74	226.54	204.16	196.99	190.61	139.07	163.56
	425.32	799.15	587.51	494.91	486.00	584.93	531.92	552.67	416.73	639.80	421.79	381.64
	3.89	7.25	5.28	4.49	4.40	5.28	—	—	—	—	—	—
Key metrics
	—	—	—	—	—	—	758.46	756.83	613.72	830.41	560.86	545.20
	—	—	—	—	—	—	22.00%	22.10%	19.20%	26.50%	18.30%	18.40%
	11.30%	22.60%	16.30%	14.30%	13.80%	16.20%	15.40%	16.10%	13.10%	20.40%	13.80%	12.90%
	6.90%	-2.30%	4.20%	0.80%	10.30%	15.30%	12.50%	15.80%	—	—	—	—
	-12.50%	36.60%	10.50%	-10.50%	16.60%	-8.60%	26.10%	44.80%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY21	FY20
Income statement
	919.11	950.65	1,147	837.67	765.24	790.41	728.41	550.37
	0.00	0.00	0.00	0.00	0.00	-270.00	0.00	0.00
	2,925	2,964	2,939	2,388	1,786	746.72	538.30	-1,102
	618.12	596.00	852.43	618.17	587.45	242.28	103.50	39.36
	2,307	2,368	2,086	1,770	1,199	504.44	434.80	-1,142
	20.91	21.42	18.91	—	—	—	—	—
Key metrics
	—	—	—	2,388	1,786	746.72	538.30	-1,102
	—	—	—	19.80%	17.60%	8.50%	6.10%	-12.30%
	—	16.80%	15.20%	14.70%	11.80%	5.70%	4.90%	-12.70%
	—	3.00%	13.60%	19.10%	15.00%	-0.40%	-1.70%	—
	—	13.50%	17.90%	47.70%	137.60%	16.00%	138.10%	—
	—	-1,707	2,723	—	—	—	—	—
	—	-0.72	1.31	—	—	—	—	—
Balance sheet
	—	1,88,960	1,69,424	—	—	—	—	—
	—	3,431	2,383	—	—	—	—	—
Cash flow
	—	-1,707	2,723	—	—	—	—	—
	—	302.00	-102.10	—	—	—	—	—
	—	-499.93	-1,034	—	—	—	—	—

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	214.02	259.39	279.46	154.89	250.30	404.31	242.32	296.08	194.10	224.56	182.34	190.31
	619.24	860.52	806.06	633.55	657.75	809.18	757.91	754.46	612.15	828.88	559.96	544.41
	195.06	62.72	219.33	139.44	172.91	224.64	226.40	203.54	196.66	190.21	138.88	163.34
	424.18	797.80	586.73	494.11	484.84	584.54	531.51	550.92	415.49	638.67	421.08	381.07
	3.85	7.24	5.33	4.49	4.40	5.31	—	—	—	—	—	—
Key metrics
	—	—	—	—	—	—	757.91	754.46	612.15	828.88	559.96	544.41
	—	—	—	—	—	—	22.00%	22.10%	19.20%	26.40%	18.30%	18.40%
	11.30%	22.60%	16.30%	14.30%	13.80%	16.20%	15.40%	16.10%	13.00%	20.40%	13.70%	12.90%
	6.90%	-2.40%	4.20%	0.80%	10.40%	15.40%	12.60%	15.70%	—	—	—	—
	-12.50%	36.50%	10.40%	-10.30%	16.70%	-8.50%	26.20%	44.60%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Income statement
	907.76	939.85	1,137	825.48	756.81	780.93	718.99	545.92	812.63	495.31
	—	—	—	—	—	-270.00	—	—	—	—
	2,919	2,958	2,934	2,385	1,784	742.70	534.07	-1,100	659.74	359.13
	616.55	594.40	851.24	617.30	586.98	241.14	101.95	39.36	194.85	81.77
	2,303	2,363	2,082	1,767	1,197	501.56	432.12	-1,139	464.89	202.72
	20.91	21.46	18.91	—	—	—	—	—	—	—
Key metrics
	—	—	—	2,385	1,784	742.70	534.07	-1,100	659.74	359.13
	—	—	—	19.80%	17.60%	8.40%	6.00%	-12.20%	7.80%	5.00%
	—	16.80%	15.20%	14.70%	11.80%	5.70%	4.90%	-12.70%	5.50%	2.80%
	—	3.00%	13.60%	19.00%	15.00%	-0.40%	-1.80%	5.90%	19.30%	—
	—	13.50%	17.80%	47.60%	138.70%	16.10%	137.90%	-345.10%	129.30%	—
	—	-1,736	2,718	—	—	—	—	—	—	—
	—	-0.73	1.31	—	—	—	—	—	—	—
Balance sheet
	—	1,89,194	1,69,468	—	—	—	—	—	—	—
	—	3,431	2,383	—	—	—	—	—	—	—
Cash flow
	—	-1,736	2,718	—	—	—	—	—	—	—
	—	302.00	-101.57	—	—	—	—	—	—	—
	—	-499.93	-1,034	—	—	—	—	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +11.68%
Sales CAGR 5Y: +9.79%
Sales CAGR 10Y: —
Profit CAGR 3Y: +25.44%
Profit CAGR 5Y: +40.47%
Profit CAGR 10Y: —
Sales YoY (TTM): +2.34%
Profit YoY (TTM): +7.02%

Consolidated

Sales CAGR 3Y: +11.69%
Sales CAGR 5Y: +9.79%
Sales CAGR 10Y: —
Profit CAGR 3Y: +25.47%
Profit CAGR 5Y: +40.35%
Profit CAGR 10Y: —
Sales YoY (TTM): +2.35%
Profit YoY (TTM): +7.02%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Jun 2026

Promoter holding: 59.40%

Holder	Type	Holding	Previous	Change
CHIEF SECRETARY JAMMU AND KASHMIR GOVT	Promoter	51.89%	—	—
KOTAK MAHINDRA TRUSTEE CO LTD A/C KOTAK SPECIAL OPPORTUNITIES FUND	Public	4.53%	—	—
FINANCE SECRETARY UT LADAKH	Promoter	4.16%	—	—
SECRETARY FINANCE DEPTT JAMMU AND KASHMIR GOVT	Promoter	3.35%	—	—
BOWHEAD INDIA FUND	Public	1.99%	—	—
MUKUL MAHAVIR AGRAWAL	Public	1.50%	—	—
SANJEEV ARORA .	Public	1.22%	—	—
Proprietry firm	Public	0.00%	—	—

Public shareholders are disclosed individually only above 1%.

Filings & corporate actions

Recent announcements

DISCLOSURE UNDER REGULATION 30 AND 46 OF SEBI (LODR) REGULATIONS, 201519 Sep 2026 · Company Update / Analyst / Investor Meet
Appointment of Statutory Central Auditors of the Bank19 Sep 2026 · Company Update / Change in Management
Newspaper publication14 Sep 2026 · Company Update / Newspaper Publication
Addendum to the Notice of 88th Annual general Meeting of the Bank14 Sep 2026 · AGM/EGM / AGM
Credit Ratings11 Sep 2026 · Company Update / Credit Rating
Retirement of Mr. Rakesh Koul and Mr. Syed Rais Maqbool from the services of the Bank31 Aug 2026 · Company Update / Change in Management
Change in Directorate31 Aug 2026 · Company Update / Change in Directorate
Newspaper publication regarding 88th Annual General Meeting of the Bank30 Aug 2026 · Company Update / Newspaper Publication
Business Responsibility and Sustainability Report (BRSR Core)29 Aug 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Annual Report for FY 2025-2629 Aug 2026 · Others / Reg. 34 (1) Annual Report
Notice of 88th Annual General Meeting of the Bank and Cut-off date for e-voting29 Aug 2026 · AGM/EGM / AGM
Resignation of Mr. Ashish Kundra, IAS as Non Executive Non Independent Director of the Bank20 Aug 2026 · Company Update / Resignation of Director
Resignation of Mr. Ashish Kundra, IAS as Non-Executive Non-Independent Director of the Bank20 Aug 2026 · Company Update / Resignation of Director
Credit Ratings20 Aug 2026 · Company Update / Credit Rating
88TH ANNUAL GENERAL MEETING OF THE BANK19 Aug 2026 · Company Update / General
Raising of Capital by the Bank11 Aug 2026 · Company Update / Raising of Funds
Raising of Capital by the Bank11 Aug 2026 · Board Meeting / Outcome of Board Meeting
Newspaper Publication5 Aug 2026 · Company Update / Newspaper Publication
Schedule of Investor Meet5 Aug 2026 · Company Update / Analyst / Investor Meet
Board Meeting to consider Raising of Capital (Tier - I) by the Bank5 Aug 2026 · Company Update / Raising of Funds
Jammu & Kashmir Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 11/08/2026 ,inter alia, to consider and approve BOARD MEETING TO CONSIDER ....5 Aug 2026 · Board Meeting / Board Meeting
Transcript of Conference Call held on July 29, 20263 Aug 2026 · Company Update / Analyst / Investor Meet
Newspaper Publication30 Jul 2026 · Company Update / Newspaper Publication
Audio and Investor Brief of Conference Call held on July 29, 202629 Jul 2026 · Company Update / Analyst / Investor Meet
Investor Presentation29 Jul 2026 · Company Update / Analyst / Investor Meet
Press Release29 Jul 2026 · Company Update / Press Release / Media Release
Statement of Deviation & Variation29 Jul 2026 · Company Update / Reg. 32 (1), (3) - Statement of Deviation & Variation
Integrated Financials June, 202629 Jul 2026 · Company Update / General
Financial Results June, 202629 Jul 2026 · Result / Financial Results
REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE, 202629 Jul 2026 · Board Meeting / Outcome of Board Meeting
Schedule of Conference Call22 Jul 2026 · Company Update / Analyst / Investor Meet
Newspaper Publication22 Jul 2026 · Company Update / Newspaper Publication
Jammu & Kashmir Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/07/2026 ,inter alia, to consider and approve UNAUDITED FINANCIAL RESULTS ....21 Jul 2026 · Board Meeting / Board Meeting
Letter for claiming Unpaid Dividend(s) and Compliance with SEBI/IEPF Requirements20 Jul 2026 · Company Update / General
Agreement of Sale17 Jul 2026 · Company Update / Memorandum of Understanding /Agreements
Appointment of Mr. Bansi Lal Saini as Chief Vigilance Officer of the Bank15 Jul 2026 · Company Update / Change in Management
Proposed Divestment of Stake in PNB Metlife India Insurance Company Limited14 Jul 2026 · Company Update / General
Minutes of Postal Ballot13 Jul 2026 · AGM/EGM / Postal Ballot
Scrutinizer''s Report13 Jul 2026 · AGM/EGM / Postal Ballot
Postal Ballot Results13 Jul 2026 · AGM/EGM / Postal Ballot

Corporate actions

Purpose	Ex date	Record date	Payment date
Dividend - Rs. - 2.1500	19 Aug 2025	19 Aug 2025	—
Final Dividend - Rs. - 2.1500	9 Aug 2024	—	—

Board meetings

29 Jul 2026 Board Meeting - Financial Results