Jammu & Kashmir Bank financials

Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹4,047cr+17.3% on Q2 FY26
Net interest income
₹1,504cr+4.8% on Q2 FY26
Net profit
₹547cr+10.6% on Q2 FY26
EPS
₹5.01+11.6% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income4,0473,450+17.3%
Net interest income1,5041,435+4.8%
Operating profit790624+26.7%
Net profit547495+10.6%
EPS₹5.01₹4.49+11.6%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹4,047 crNet profit₹547 crNet interest margin3.0%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
13,417————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
13,86513,15112,54111,2139,355
—+4.9%+11.8%+19.9%—
5,9835,8825,8005,205—
—+1.4%+11.4%——
3.3%3.3%3.6%3.4%—
3,1892,9922,9352,2801,860
2,3592,3682,0861,7701,199
—+13.5%+17.9%+47.7%—
₹21.44₹21.42₹18.90₹16.08₹10.72
—+13.3%+17.5%+50.0%—
15.4%15.4%15.8%14.5%—
Balance sheet & asset quality
1,76,7761,65,3421,48,5521,34,763—
1,31,2021,22,6331,04,18493,757—
—2.5%3.4%4.1%—
—0.6%0.8%0.8%—
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

J&KBANK₹121.83

Jammu & Kashmir Bank Ltd.

· Banking & Finance
₹ CrorePeersFEDERALBNKKARURVYSYASOUTHBANKIEXHOMEFIRSTGODIGITNIVABUPASAMMAANCAPMcap ₹13,417 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————13,417.1
Interest Earned9,355.211,213.212,541.113,150.713,864.5
Growth %, YoY—+19.9+11.8+4.9—
Net Interest Income—5,205.35,799.85,882.15,982.9
Growth %, YoY——+11.4+1.4—
NIM %, on assets—3.373.583.283.28
Operating Profit (PPOP)1,860.22,280.42,934.82,992.23,189.2
Net Income1,198.61,769.92,086.32,367.62,359.3
Growth %, YoY—+47.7+17.9+13.5—
EPS, Adj (current shares)10.7216.0818.9021.4221.44
Growth %, YoY—+50.0+17.5+13.3—
ROE %—14.5315.7715.3715.37
Balance Sheet & Asset Quality
Deposits—1,34,763.21,48,552.01,65,342.51,76,775.9
Advances—93,756.61,04,183.81,22,632.61,31,202.5
Gross NPA %—4.083.372.50—
Net NPA %—0.790.790.64—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Jammu & Kashmir Bank financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

Jammu & Kashmir Bank (NSE: J&KBANK) had a market capitalisation of ₹13,463 crore at the 29 October 2026 close (₹122.25 a share), a PE ratio of 5.7 on the last four quarters' profit and a price-to-book ratio of 0.77. In FY26 its standalone net profit was ₹2,363 crore on net interest income of ₹5,876 crore; in Q2 FY27 (July–September 2026) it was ₹546 crore, up 10.6% year on year. Gross NPAs were 2.23% of advances on 30 September 2026. Promoters held 59.40% of the shares on 30 September 2026.

Share price used
₹122.25 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026
Share price and live chart
₹122.25 · 29 Oct close

Jammu & Kashmir Bank at a glance · consolidated

Market cap
₹13,463 Crat ₹122.25 · 29 Oct close
PE ratio (last 4 quarters)
5.75.7 on FY26 profit
Price to book (PB)
0.77book value ₹159.30 a share
ROE (FY26)
15.4%−0.4 pts vs FY25
Gross NPA
2.23%3.32% in Q2 FY26net NPA 0.51% · Q2 FY27
Promoter holding
59.40%unchanged vs 30 Jun 202630 September 2026
Net worth
₹17,543 Cr+17.5% vs 30 Sep 202530 September 2026
CET1 ratio
13.88%30 September 2026
EPS (FY26)
₹21.42

Questions

What is the Jammu & Kashmir Bank PE ratio today?

Jammu & Kashmir Bank's PE ratio is 5.7 at the 29 October 2026 close (₹122.25 a share): a market capitalisation of ₹13,463 crore divided by consolidated net profit attributable to shareholders of ₹2,362 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit attributable to shareholders (₹2,360 crore) it is 5.7.

What is the Jammu & Kashmir Bank PB ratio (price to book value)?

Jammu & Kashmir Bank's price-to-book (PB) ratio is 0.77 at the 29 October 2026 close: a market capitalisation of ₹13,463 crore divided by shareholders' equity (book value) of ₹17,543 crore on 30 September 2026. That is a book value of ₹159.30 per share against a share price of ₹122.25.

What is the Jammu & Kashmir Bank net worth?

Jammu & Kashmir Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹17,543 crore on 30 September 2026, up 17.5% from ₹14,936 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹13,463 crore at the 29 October 2026 close.

What is the Jammu & Kashmir Bank market cap?

Jammu & Kashmir Bank's market capitalisation was ₹13,463 crore at the 29 October 2026 close: 110.13 crore shares at ₹122.25 each.

What is the Jammu & Kashmir Bank ROE?

In FY26, Jammu & Kashmir Bank's return on equity (ROE) was 15.4%. ROE is net profit attributable to shareholders divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 15.8%.

What is the Jammu & Kashmir Bank capital adequacy ratio?

Jammu & Kashmir Bank's common equity tier 1 (CET1) ratio was 13.88% on 30 September 2026.

What is the Jammu & Kashmir Bank book value per share?

Jammu & Kashmir Bank's book value per share was ₹159.30 on 30 September 2026: shareholders' equity of ₹17,543 crore divided by the 110.13 crore shares in issue, up 17.5% from ₹135.62 a year earlier. The share price at the 29 October 2026 close was ₹122.25.

What are the Jammu & Kashmir Bank latest quarterly results?

Jammu & Kashmir Bank's latest results are for Q2 FY27 (July–September 2026), filed on 22 October 2026: standalone net profit ₹546 crore, up 10.6% from ₹494 crore in Q2 FY26; net interest income ₹1,502 crore, up 4.8% year on year.

What is the Jammu & Kashmir Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Jammu & Kashmir Bank's standalone net profit was ₹2,363 crore, up 13.5% from ₹2,082 crore in FY25, on net interest income of ₹5,876 crore (up 1.4%). Over three years, from FY23, net profit was up 97.4%.

What is the Jammu & Kashmir Bank EPS?

Jammu & Kashmir Bank's basic earnings per share (EPS) were ₹21.42 in FY26, against ₹18.91 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹21.43.

What is the Jammu & Kashmir Bank NPA?

Jammu & Kashmir Bank's gross non-performing assets (NPAs) were ₹2,983 crore, 2.23% of gross advances, on 30 September 2026 (3.32% a year earlier). Net NPAs were 0.51% of net advances (0.76% a year earlier).

What is the Jammu & Kashmir Bank CD ratio (credit-deposit ratio)?

Jammu & Kashmir Bank's credit-deposit ratio was 74.2% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What are the Jammu & Kashmir Bank deposits and advances?

On 30 September 2026, Jammu & Kashmir Bank's deposits were ₹1,76,796 crore, up 16.3% from a year earlier, and its advances (loans) were ₹1,31,234 crore, up 24.8% from a year earlier.

What is the Jammu & Kashmir Bank promoter holding?

Promoters held 59.40% of Jammu & Kashmir Bank on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

When are the Jammu & Kashmir Bank next results?

Jammu & Kashmir Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

What is the Jammu & Kashmir Bank shareholding pattern?

On 30 September 2026, Jammu & Kashmir Bank's shares were held by promoters 59.40%, foreign portfolio investors (FII/FPI) 11.62%, domestic institutions (DII) 7.42% (including mutual funds at 6.35%) and retail and other non-institutional investors 21.56%. Over the year, FII holding was up 3.77 percentage points from 7.85% and DII holding was up 1.66 percentage points from 5.76%.

How does the Jammu & Kashmir Bank PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit attributable to shareholders, Jammu & Kashmir Bank's PE ratio is 5.7, the lowest of the four: Federal Bank 19.8, Karur Vysya Bank 13.7 and South Indian Bank 10.2, a peer average of 14.5. Each is the company's market capitalisation at that price divided by its FY26 net profit.

Jammu & Kashmir Bank vs Federal Bank: how do they compare?

In FY26, Jammu & Kashmir Bank earned net profit attributable to shareholders of ₹2,360 crore, against ₹4,345 crore for Federal Bank. Jammu & Kashmir Bank's return on equity was 15.4% (Federal Bank 11.4%) and its gross NPA ratio 2.50% (Federal Bank 1.62%). At the 29 October 2026 close, Jammu & Kashmir Bank's market capitalisation was ₹13,463 crore against ₹85,988 crore for Federal Bank, and its PE ratio on FY26 profit 5.7 against 19.8.

How does Jammu & Kashmir Bank compare with its peers?

On FY26 consolidated figures, against Federal Bank, Karur Vysya Bank and South Indian Bank: Jammu & Kashmir Bank's return on equity of 15.4% is the second highest of the four (Federal Bank 11.4%, Karur Vysya Bank 19.3%, South Indian Bank 13.5%; peer average 14.7%); its return on assets of 1.32% is the second highest of the four (Federal Bank 1.18%, Karur Vysya Bank 1.96%, South Indian Bank 1.09%; peer average 1.41%); its gross NPA ratio of 2.50% is the highest of the four (Federal Bank 1.62%, Karur Vysya Bank 0.75%, South Indian Bank 1.43%; peer average 1.27%).

Where do these Jammu & Kashmir Bank figures come from?

From Jammu & Kashmir Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.