Jammu & Kashmir Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	15.4%	15.4%	15.8%	14.5%	—
	1.3%	1.3%	1.3%	1.2%	—
	3.3%	3.3%	3.6%	3.4%	—
	56.2%	56.2%	57.8%	62.3%	—
	0.0%	0.0%	0.0%	−0.1%	—
	2.1%	2.1%	2.5%	2.4%	—
	6.7%	6.7%	8.4%	7.0%	—
	74.2%	74.2%	70.1%	69.6%	—
Additional
	21.6%	20.1%	29.0%	25.9%	32.9%

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

alphave

J&KBANK₹122.25

Jammu & Kashmir Bank Ltd.

· Banking & Finance

₹ CrorePeersFEDERALBNK KARURVYSYA SOUTHBANK IEX HOMEFIRST GODIGIT NIVABUPA SAMMAANCAPMcap ₹13,463 Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	14.53	15.77	15.37	15.37
Return on Assets	—	1.15	1.29	1.32	1.32
Margins & Efficiency
Net Interest Margin (on assets)	—	3.37	3.58	3.28	3.28
Cost to Income	—	62.26	57.75	56.21	56.21
Credit Cost (provisions / avg advances)	—	-0.11	0.00	0.03	0.03
Operating Expenses / Avg Assets	—	2.44	2.48	2.14	2.14
Other Income Share of Total Income	—	6.95	8.38	6.74	6.74
Credit-Deposit Ratio	—	69.57	70.13	74.17	74.17
Additional
Effective Tax Rate	32.89	25.89	29.01	20.11	21.58

No consensus estimates → no Est columns. Click any row to chart it.

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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%.