| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 4,047 | 3,450 | +17.3% |
| Net interest income | 1,504 | 1,435 | +4.8% |
| Operating profit | 790 | 624 | +26.7% |
| Net profit | 547 | 495 | +10.6% |
| EPS | ₹5.01 | ₹4.49 | +11.6% |
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.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
| 13,417 | — | — | — | — | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |
| 13,865 | 13,151 | 12,541 | 11,213 | 9,355 | ||
| — | +4.9% | +11.8% | +19.9% | — | ||
| 5,983 | 5,882 | 5,800 | 5,205 | — | ||
| — | +1.4% | +11.4% | — | — | ||
| 3.3% | 3.3% | 3.6% | 3.4% | — | ||
| 3,189 | 2,992 | 2,935 | 2,280 | 1,860 | ||
| 2,359 | 2,368 | 2,086 | 1,770 | 1,199 | ||
| — | +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 | ||||||
| 1,76,776 | 1,65,342 | 1,48,552 | 1,34,763 | — | ||
| 1,31,202 | 1,22,633 | 1,04,184 | 93,757 | — | ||
| — | 2.5% | 3.4% | 4.1% | — | ||
| — | 0.6% | 0.8% | 0.8% | — | ||
From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.
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 Earned | 9,355.2 | 11,213.2 | 12,541.1 | 13,150.7 | 13,864.5 | |
| Growth %, YoY | — | +19.9 | +11.8 | +4.9 | — | |
| Net Interest Income | — | 5,205.3 | 5,799.8 | 5,882.1 | 5,982.9 | |
| Growth %, YoY | — | — | +11.4 | +1.4 | — | |
| NIM %, on assets | — | 3.37 | 3.58 | 3.28 | 3.28 | |
| Operating Profit (PPOP) | 1,860.2 | 2,280.4 | 2,934.8 | 2,992.2 | 3,189.2 | |
| Net Income | 1,198.6 | 1,769.9 | 2,086.3 | 2,367.6 | 2,359.3 | |
| Growth %, YoY | — | +47.7 | +17.9 | +13.5 | — | |
| EPS, Adj (current shares) | 10.72 | 16.08 | 18.90 | 21.42 | 21.44 | |
| Growth %, YoY | — | +50.0 | +17.5 | +13.3 | — | |
| ROE % | — | 14.53 | 15.77 | 15.37 | 15.37 | |
| Balance Sheet & Asset Quality | ||||||
| Deposits | — | 1,34,763.2 | 1,48,552.0 | 1,65,342.5 | 1,76,775.9 | |
| Advances | — | 93,756.6 | 1,04,183.8 | 1,22,632.6 | 1,31,202.5 | |
| Gross NPA % | — | 4.08 | 3.37 | 2.50 | — | |
| Net NPA % | — | 0.79 | 0.79 | 0.64 | — | |
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.
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.
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.
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.
Jammu & Kashmir Bank's market capitalisation was ₹13,463 crore at the 29 October 2026 close: 110.13 crore shares at ₹122.25 each.
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%.
Jammu & Kashmir Bank's common equity tier 1 (CET1) ratio was 13.88% on 30 September 2026.
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.
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.
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%.
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.
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).
Jammu & Kashmir Bank's credit-deposit ratio was 74.2% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
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.
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.
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.
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%.
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.
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.
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%).
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.