Jammu and Kashmir Bank Ltd Share Price

Banks

NSE: J&KBANK Small Cap ISIN: INE168A01041

As on 09 December 2025 at 03:11 IST

₹102.22

-0.93

(-0.90%)

Sell Buy

Jammu and Kashmir Bank Q1 FY26 Results:

Net profit for the period increased 16.5% to ₹486 crores in Q1 FY26, from ₹417 crores in Q1 FY25. Net interest income for the quarter increased 7% year-on-year to ₹1467 crores from ₹1369 crores.

About Jammu and Kashmir Bank Ltd

Jammu and Kashmir Bank Ltd (J&K Bank) is a prominent financial institution providing a comprehensive range of banking and financial services. Established on October 1, 1938, the bank has been serving its customers for many years. It has its headquarters in the city of Srinagar, and falls under the banking and financial services sector. J&K Bank offers a variety of products, including savings accounts and fixed deposits. The bank also offers personal, home, educational and car loans along with insurance services through a joint venture with MetLife India Insurance Company. +

Over 1 Month

0.39%

Over 6 Months

-0.96%

Over 1 Year

-2.82%

Over 3 Years

101.27%

Jammu and Kashmir Bank Ltd Summary

Close ₹103.15

Open ₹103.60

High ₹104.15

Low ₹102.61

Volume 15,11,477

Net Turnover (in Cr) ₹15.61

52Wk High ₹117.25

52Wk Low ₹86.61

52Wk High / Low

86.61

117.25

Jammu and Kashmir Bank Ltd Fundamentals

Key Financial Data

Market Cap (in Cr) ₹11,358.70

EPS (TTM) 19.03

Book Value (BV) 126.60

Div. Yield 2.09 %

P/E (TTM) 5.42

Price/Book Value 0.81

Delivery % 43.70 %

Face Value 1

Key Ratios

PE Ratio 4.88

PB Ratio 0.78

EV to Sales 12.07

PEG Ratio 0.27

ROA 1.32

ROE 17.37

Debt-Equity -

Net Profit Margin -

Operating Profit Margin -

Jammu and Kashmir Bank Ltd Financials

Consolidated

Standalone

Yearly

Quarterly

Profit and Loss

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Total Revenue	13,688.02	12,050.88	10,120.47	8,766.46	8,812.58
Total Expenses	10,749.34	9,662.80	8,334.43	8,019.74	8,275.84
Profit Before Tax	2,938.68	2,388.08	1,786.04	746.72	536.75
Profit After Tax	2,086.25	1,769.91	1,198.59	504.44	434.80
Operating Profit After Depreciation	2,938.68	2,388.08	1,786.04	746.72	536.75

Balance Sheet

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Fixed Assets	2,126.29	2,208.25	2,224.43	1,907.51	1,971.42
Total Assets	1,69,423.54	1,54,504.58	1,45,912.59	1,30,576.03	1,20,272.87
Total Shareholder's Fund	14,208.31	12,192.73	9,896.33	8,077.12	6,802.27

Cash Flow

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Net Cash From Operating Activities	2,723.15	-852.55	-407.13	-1,568.05	-14.17
Net Cash Used In Investing Activities	-102.10	-257.26	-123.51	-85.18	-75.98
Net Cash Used In Financing Activities	-1,034.38	407.43	637.59	941.43	-198.75

Profit and Loss

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Total Revenue	13,672.68	12,037.84	10,111.92	8,757.48	8,803.17
Total Expenses	10,738.97	9,653.27	8,327.56	8,014.78	8,269.09
Profit Before Tax	2,933.70	2,384.57	1,784.36	742.70	534.07
Profit After Tax	2,082.46	1,767.27	1,197.38	501.56	432.12
Operating Profit After Depreciation	2,933.70	2,384.57	1,784.36	742.70	534.07

Balance Sheet

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Fixed Assets	2,125.67	2,207.98	2,224.22	1,907.25	1,970.99
Total Assets	1,69,468.47	1,54,526.59	1,45,962.26	1,30,602.41	1,20,291.95
Total Shareholder's Fund	14,251.94	12,235.68	9,943.24	8,107.17	6,825.61

Cash Flow

Particulars (in ₹ Cr.)	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Net Cash From Operating Activities	2,718.32	-851.49	-420.51	-1,568.46	-10.66
Net Cash Used In Investing Activities	-101.57	-257.13	-123.47	-85.14	-75.82
Net Cash Used In Financing Activities	-1,034.38	407.43	637.59	941.06	-198.75

Particulars (in ₹ Cr.)	2025-09	2025-06	2025-03	2024-12	2024-09
Total Revenue	-	-	-	-	-
Total Expenses	-	-	-	-	-
Profit Before Tax	634.68	659.36	809.67	758.46	756.82
Profit After Tax	-	-	-	-	-
Operating Profit after Depreciation	-	-	-	-	-

Particulars (in ₹ Cr.)	2025-09	2025-06	2025-03	2024-12	2024-09
Total Revenue	-	-	-	-	-
Total Expenses	-	-	-	-	-
Profit Before Tax	633.55	657.75	809.18	757.91	754.46
Profit After Tax	-	-	-	-	-
Operating Profit after Depreciation	-	-	-	-	-

Jammu and Kashmir Bank Ltd Technicals

Support and Resistance

S3 S2 S1 Pivot R1 R2 R3

S1 102.46

S2 101.76

S3 100.92

Pivot 103.30

R1 104

R2 104.84

R3 105.54

Moving Average

20 SMA 106.44

50 SMA 105.63

100 SMA 105.17

200 SMA 102.82

Jammu and Kashmir Bank Ltd Corporate Actions

Jammu and Kashmir Bank Ltd

₹2.15/Share

Announcement Date 19 Aug 2025

Record Date 19 Aug 2025

Div Yield 215%

AGM Date: 30 Sep 2021

AGM 30/09/2021 Pursuant to Regulation 34 (1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are attaching herewith a copy of Annual Report 2020-21 for the 83rd Annual General Meeting of the Bank. (As per BSE Announcement Dated on 8/9/2021) Notice published in the newspapers on 09th September, 2021 regarding 83rd Annual General Meeting of the Bank and E-Voting thereon. (As Per BSE Announcement dated on 09.09.2021) The 83rd Annual General Meeting of the Members of Jammu & Kashmir Bank Ltd. was held on Thursday September 30 2021 at 11.00 a.m. IST through Video Conferencing (VC) / Other Audio Visual Means (OAVM). We hereby submit the below mentioned documents: 1. Consolidated Scrutinizers Report issued pursuant to the applicable provisions of the Companies Act 2013 and rules made thereunder. 2. Voting results in the format prescribed under Regulation 44 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. (As Per BSE Announcement Dated on 10/1/2021 3:34:30 AM) Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 we are enclosing herewith copy of the Proceedings / Minutes of 83rd Annual General Meeting of the Bank held on 30th September 2021. (As Per BSE Announcement Dated on 10/5/2021 4:13:13 AM) Further to our letter bearing reference no. JKB/BS/F3652/2021/160 dated 05th October 2021 please be informed that resolution type for resolution number 06 and 07 has been inadvertently written as Special while being Ordinary. The inadvertent typo error is regretted and the revised Proceedings / Minutes of Annual General Meeting are enclosed (As Per BSE Announcement Dated on 10/16/2021 5:34:47 AM) Pursuant to Regulation 30 of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, please be informed that the shareholders at the 83rd Annual General Meeting of the Bank held on 30th September, 2021 have appointed following persons as Directors on the Board of the Bank, in the category of Rotational Directors: 1. Mr. Nitishwar Kumar (DIN: 05326456) 2. Dr. Mohmad Ishaq Wani (DIN: 08944038) Further, Mr. Vikram Gujral (DIN: 03637222) has ceased to be the Director of the Bank with effect from 30th September, 2021 consequent upon his non-reappointment at the Annual General Meeting of the Bank. (As Per BSE Announcement Dated 01.10.2021)

AGM Date: 24 Aug 2022

AGM 24/08/2022 We wish to inform that the 84th Annual General Meeting of the Shareholders of the Bank will be held on Wednesday, 24th August, 2022 at 1100 Hours (IST) through Video Conferencing/Other Audio Visual Means. A copy of the Notice of Annual General Meeting is attached herewith (As Per BSE Announcement Dated on 02.08.2022) Pursuant to Securities Exchange Board of India (Listing obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the copy of the Notice published in the newspapers on 03rd August, 2022 regarding 84th Annual General Meeting of the Bank and E-Voting thereon. (As Per BSE Announcement dated on 03.08.2022) Proceedings of the 84th Annual General Meeting as required under the Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Voting results in the format prescribed under Regulation 44 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. (As Per BSE Announcement Dated on 25.08.2022) Jammu & Kashmir Bank Ltd has informed BSE regarding the details of Voting results of AGM, under Regulation 44(3) of SEBI (LODR) Regulations, 2015. (As Per BSE Announcement Dated on 26.08.2022) Minutes of 84th Annual General Meeting of the Bank held on 24th August, 2022. (As Per BSE Announcement dated on 15.09.2022)

AGM Date: 24 Aug 2023

85TH AGM, RECORD DATE, BOOK CLOSURE DATES AND DIVIDEND PAYMENT DATE Rs.0.5000 per share(50%)Final Dividend & A.G.M. (As Per BSE Bulletin Dated on 24.07.2023) Revision in Record Date and Book Closure Dates (As Per BSE Announcement dated on 28.07.2023) Proceedings of 85th AGM Outcome of 85th AGM Scrutinizer''s Report of 85th AGM (As per BSE Announcement Dated on 25/08/2023) Minutes of 85th Annual General Meeting of the Bank (As per BSE Announcement Dated on 13/09/2023)

AGM Date: 17 Aug 2024

AGM 17/08/2024 Annual Report 2023-24 (As Per BSE Announcement dated on 17.08.2024)

AGM Date: 26 Aug 2025

The 87th Annual General Meeting (AGM) of the Bank, is scheduled to be held on Tuesday, August 26, 2025 at 11:00 a.m. (IST) at Sher-i-Kashmir International Conference Centre, Srinagar - 190001. The Notice of the AGM and Annual Report 2024-25 will be sent to the Members and shall be made available on the website of the Bank and submitted to the Stock Exchange(s) in due course. Further, a letter containing the web-link for accessing the Notice of the AGM and Annual Report 2024-25, will be sent to those Members whose email addresses are not registered. Notice of 87th Annual General Meeting of the Banking and Cut-off date for E-Voting (As Per BSE Announcement Dated on :02.08.2025) Proceedings of 87th AGM of the Bank (As Per BSE Announcement Dated on:26.08.2025) Outcome of 87th AGM (As Per BSE Announcement Dated on:27.08.2025) Minutes of 87th Annual General Meeting (As per BSE Announcement Dated on 29/08/2025)

Jammu and Kashmir Bank Ltd Peer Comparison

Company	Price	Market Cap (in Cr)
HDFC Bank Ltd	₹1,003.10	₹15,43,019.64
ICICI Bank Ltd	₹1,392	₹9,95,184.46
State Bank of India	₹971.40	₹8,96,662.19
Kotak Mahindra Bank Ltd	₹2,154.55	₹4,28,486.78
Axis Bank Ltd	₹1,282.85	₹3,98,176.33

Jammu and Kashmir Bank Ltd Top Mutal Funds Invested

Fund Name	AUM
Kotak Multicap Fund	1.45%
Mahindra Manulife Value Fund	1.26%
Kotak Special Opportunites Fund	1.20%
ITI Large & Mid Cap Fund	0.98%
JM Small Cap Fund	0.77%

Jammu and Kashmir Bank Ltd News

J&K Bank gains after board clears Rs 1,250-cr fundraising plan

Jammu & Kashmir Bank (J&K) advanced 1.08% to Rs 107.65 after the bank's board has approved raising Rs 1,250 crore through mix of equity and bond issuances.

27 Nov 2025, 02:21 pm

J&K Bank board to mull fundraising proposal on 26 Nov

Jammu & Kashmir Bank (J&K) said that its board is scheduled to meet on 26 November 2025, to consider raising funds through Tier I or Tier II capital.

21 Nov 2025, 10:26 am

Jammu & Kashmir Bank to conduct board meeting

On 26 November 2025

21 Nov 2025, 09:40 am

Jammu & Kashmir Bank to conduct board meeting

On 18 October 2025

08 Oct 2025, 12:30 pm

Jammu & Kashmir Bank to conduct AGM

On 26 August 2025

26 Jul 2025, 05:26 pm

Jammu and Kashmir Bank Ltd Stock Analysis

Annual revenue for Jammu and Kashmir Bank Ltd increased by 13.58% to ₹13,672.68 crore in FY 2025 from ₹12,037.84 crore in FY 2024.
Annual Net Profit for Jammu and Kashmir Bank Ltd increased by 17.84% to ₹2,082.46 crore in FY 2025 from ₹1,767.27 crore in FY 2024.
Promoter Shareholding in Jammu and Kashmir Bank Ltd remains unchanged by 0.00% in the most recent quarter, from 59.40% in June 2025 to 59.40% in September 2025.
Jammu and Kashmir Bank Ltd delivered a 1-year return of -2.82% compared to the Nifty 50, which provided a return of 5.98% as of the last trading session.
Jammu and Kashmir Bank Ltd share price moved down by 0.90% from its previous close of INR ₹103.15. The latest Jammu and Kashmir Bank Ltd share price is INR ₹102.22.
Jammu and Kashmir Bank Ltd share price today has been at a low of 102 and a high of 103.48. Over the past 52 weeks, the Jammu and Kashmir Bank Ltd share price has seen a low of 86.61 and a high of 117.25.

About Jammu and Kashmir Bank Ltd

Jammu and Kashmir Bank Ltd (J&K Bank) is a prominent financial institution providing a comprehensive range of banking and financial services. Established on October 1, 1938, the bank has been serving its customers for many years. It operates as a universal bank in Jammu & Kashmir and as a specialized bank in the rest of India.
The bank is in Srinagar, Jammu and Kashmir, J&K Bank falls under the banking and financial services sector. The primary promoter of the bank is the Government of Jammu and Kashmir. It holds a significant share in the institution at 59.4%. This government backing provides a strong foundation for the bank’s operations and growth.
J&K Bank offers a variety of products, including savings accounts and fixed deposits. It also offers personal loans, home loans, and car loans. There are also educational loans and insurance services through a joint venture with MetLife India Insurance Company. These products cater to the diverse financial needs of its customers, ensuring comprehensive financial solutions.
J&K Bank remains a key player in its region. The bank continues to maintain a strong presence in the market. The bank’s registered office is located at M.A. Road, Srinagar, Jammu and Kashmir. It is managed by a Board of Directors, including the Managing Director and CEO. They oversee the bank’s strategic direction and operations. Here are the prime managing promoters:

Baldev Prakash
Sudhir Gupta
Pawan Kotwal
R K Chhibber
Mandeep K Bhandari

The registrar for J&K Bank is KFin Technologies Private Limited. It ensures efficient management of shareholder records and transactions.

Impact of the Bank

Jammu and Kashmir Bank Ltd (J&K Bank) has been a cornerstone of the financial sector in the region since its start in 1938. Over the years, the bank has played a pivotal role in the economic development of Jammu and Kashmir. It is providing essential banking services and fostering financial inclusion.
Economic Development J&K Bank has significantly contributed to the economic growth of Jammu and Kashmir. The bank has facilitated business operations by offering a wide range of financial products and services. It has supported entrepreneurship and provided necessary capital for various sectors. The bank’s extensive network of branches ensures that even the remotest areas have access to banking services. Therefore, it promotes economic activities across the region.
The bank’s focus on lending to small and medium enterprises (SMEs) has been particularly impactful. SMEs are the backbone of the local economy, and J&K Bank’s tailored financial solutions have enabled these businesses to thrive. By providing working capital and other financial products, the bank has helped create jobs. It boosts local production and enhances the overall economic resilience of the region.
Financial Inclusion One of the most significant impacts of J&K Bank is its role in promoting financial inclusion. The bank has been at the forefront of bringing unbanked and underbanked populations into the formal financial system. It has initiatives like opening zero-balance accounts and offering microfinance products. It has also implemented financial literacy programs. J&K Bank has empowered individuals and communities to manage their finances better.
The bank’s efforts in financial inclusion are evident in its extensive branch network. It has also deployed banking correspondents in rural areas. These measures have ensured that people in remote and underserved regions have access to essential banking services. This includes savings accounts, credit facilities, and insurance products. This inclusion has improved the financial well-being of individuals. It has also contributed to the socio-economic development of the region.
Social Impact J&K Bank’s impact extends beyond economic development and financial inclusion. The bank has been actively involved in various CSR initiatives. These are aimed at improving the quality of life in the region. These initiatives cover a wide range of areas, including education, healthcare, environmental sustainability, and community development.
In the field of education, J&K Bank has supported numerous programs and scholarships to help students pursue their academic goals. The bank’s contributions to healthcare include funding for medical facilities. It also includes health camps and awareness programs. Additionally, the bank has undertaken several environmental initiatives. This includes tree plantation drives and promoting sustainable practices.
Technological Advancements J&K Bank has also been a pioneer in adopting technological advancements to enhance its services and reach. The bank’s digital banking platforms include mobile banking, internet banking, and ATMs. These have made banking more convenient and accessible for customers. These technological innovations have improved customer experience. It has also increased operational efficiency.
Challenges and Future Prospects Despite its significant contributions, J&K Bank faces several challenges. The political and economic instability in the region can impact the bank’s operations and growth. Additionally, the bank needs to continuously adapt to changing regulatory requirements. It needs to focus on technological advancements to stay competitive.
Jammu and Kashmir Bank Ltd has been a key player in the region’s economic and social development. It has a comprehensive range of banking services. It focuses on financial inclusion and commitment to social responsibility. The bank has made a lasting impact on the lives of people in Jammu and Kashmir. Its role in shaping the region’s future remains crucial.