The Jammu & Kashmir Bank share price
NSE: J&KBANKBSE: 532209BanksSmall Cap
Share price at the NSE close on 30 Oct 2026. Previous close ₹122.25.
30 Oct: open ₹121.36, high ₹121.80, low ₹116.30
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹12,905 Cr461st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 5.46
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.74
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 14.5%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. For the whole group. Net interest margin in the glossary
- 3.78%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 2.23%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 0.51%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company. Common equity tier 1 ratio in the glossary
- 13.88%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. For the whole group. Return on assets in the glossary
- 1.32%
- Volume, NSEVolume. Shares traded on the last trading day. Volume in the glossary
- 17,01,814
About The Jammu & Kashmir Bank
Jammu and Kashmir Bank is a commercial bank with its corporate headquarters in Srinagar, serving retail, corporate, agricultural and micro, small and medium business customers.12 The Reserve Bank of India has designated it the agency bank for government banking in the union territories of Jammu & Kashmir and Ladakh, its home market, and it also does business across the rest of India.13
Its products include home, car, personal, education and agriculture loans, trade and consumer credit, current and savings accounts, term deposits, debit and credit cards, remittances, and insurance and mutual funds it sells for other firms.45 Its mobile banking app is mPay Delight+, and its credit cards include the RuPay, Eminent and Platinum Privilege cards.67 It sells life insurance for LIC, PNB MetLife, Bajaj Life, SBI Life and HDFC Life, and general insurance for Bajaj General Insurance, IFFCO Tokio and New India Assurance.2
It was incorporated on 1 Oct 1938.2 Its wholly owned subsidiary, JKB Financial Services, offers share broking, depository services, margin trading and mutual fund distribution.8 The bank sponsors Jammu and Kashmir Grameen Bank, a regional rural bank in which it holds 35% alongside the Government of India and the Jammu & Kashmir government.9 Its promoters, the government of Jammu & Kashmir and the administration of Ladakh, held 59.40% of its shares at the end of Mar 2026; the bank says it has full operational autonomy, with the Jammu & Kashmir government as majority holder.10112
The Jammu & Kashmir Bank key points
Results
- In the quarter to Sep 2026, the bank's net profit was ₹546 crore, up 10.6% from a year earlier, and its operating profit (income less operating expenses, before provisions and tax) was ₹789 crore, up 27%.1213
- Net interest margin (interest earned less interest paid, as a share of interest-earning assets) was 3.17% in the quarter to Sep 2026, against 3.56% a year earlier.14
- For the year to Mar 2026, the bank's standalone revenue was ₹14,085 crore and its standalone net profit ₹2,363.47 crore, the highest in its history.1516
Market position
- The bank's share of bank branches in Jammu & Kashmir and Ladakh was 37.39% at the end of Mar 2026, and it has about 1.97 crore customer accounts there.17
Business segments
- Consolidated segment revenue18
Item year to Mar 2026 year to Mar 2025 Retail banking ₹9,004.26 crore ₹9,002.08 crore Treasury ₹3,594.34 crore ₹3,236.23 crore Corporate or wholesale banking ₹2,623.39 crore ₹2,697.54 crore - Retail banking serves individuals, employees, professionals, small businesses and non-resident Indians; corporate banking serves companies, government bodies, public sector firms and small and medium enterprises; treasury manages investments and the bank's liquidity.19
Loan book and deposits
- At the end of Sep 2026, deposits were ₹1,76,796 crore, up 16.3% from a year earlier, net advances (loans after provisions) ₹1,31,234 crore, up 24.8%, and total business (deposits plus gross advances) ₹3,10,347 crore, up 19.4%.20
- Retail, agriculture and micro, small and medium enterprise loans (RAM) made up 66.84% of gross advances at the end of Sep 2026, and corporate loans 33.16%.21
- Gross advances and deposits by region22
Item quarter to Sep 2026 Gross advances, J&K and Ladakh 62.7% Gross advances, rest of India 37.3% Deposits, J&K and Ladakh 84.2% Deposits, rest of India 15.8% - Current and savings account deposits (CASA), on which banks pay little or no interest, were 41.97% of deposits at the end of Sep 2026.23
Branches and reach
- The bank has 1,008 branches, 835 in Jammu & Kashmir, 37 in Ladakh and 136 across 20 other states and union territories, and 1,445 ATMs.2425
- Branches by area25
Item quarter to Sep 2026 Rural 54.2% Metro 18.1% Semi-urban 17.2% Urban 10.6% - More than 94% of the bank's transactions are now digital, and active users of its mPay mobile banking app reached 27.07 lakh in March 2026.2627
Asset quality and capital
- Gross non-performing assets (NPAs, loans that have stopped being repaid) were 2.23% of gross advances at the end of Sep 2026, against 3.32% a year earlier, and net NPAs, after provisions, 0.51%, against 0.76%.28
- Provisions covered 91.76% of bad loans (the provision coverage ratio) at the end of Sep 2026, against 90.39% a year earlier.29
- The bank said on its earnings call that gross slippages (loans newly classed as bad) were ₹234 crore in the half year to Sep 2026, against ₹550 crore a year earlier.30
- The capital adequacy ratio (capital as a share of risk-weighted assets) was 16.57% at the end of Sep 2026, against 15.27% a year earlier, with common equity tier 1 capital (shareholders' equity counted as capital) at 13.88%.31
What the company expects
- On its earnings call of 22 Oct 2026, the company said it expects loan growth of 14% plus, deposit growth of 12% plus, CASA ratio of 42% plus, return on assets of 1.20% plus and gross NPAs below 2% for the year to Mar 2027.3233
- On its earnings call of 22 Oct 2026, the company said it expects 60% of the year's loan growth to come from retail and 40% from corporate lending.34
- On its earnings call of 22 Oct 2026, the company said it plans to raise ₹1,000 crore of equity and ₹500 crore of debt, the debt expected in the quarter to Dec 2026 and the equity when the timing suits the bank.35
Recent events
- On 16 Oct 2026, the bank completed the sale of a 0.50% stake in PNB MetLife India Insurance Company to MetLife International Holdings for ₹120,09,89,186; in July it had said the sale would take its holding from 3.034% to 2.534%.363738
- On 11 Sep 2026, Care Edge Ratings reaffirmed its CARE AA-; Stable rating on the bank's Tier II bonds (bonds that count toward its regulatory capital), after India Ratings affirmed the bank's IND AA-/Stable long-term issuer rating on 20 Aug 2026.3940
- On 1 Apr 2026, the bank rolled out its J&K Bank 2.0 project, through which it plans to restructure its operating model around customer engagement and business mobilisation, with full transition targeted for the year to Mar 2027.41
- On 5 Dec 2025, the Reserve Bank of India imposed a penalty of ₹99.30 lakh on the bank for failures that included not escalating rejected complaints to its internal ombudsman and delays in crediting the Depositor Education and Awareness Fund.42
Last updated
All 42 sources, each with its page
- 1. Annual report, 29 Aug 2026, page 371
- 2. Investor presentation, 22 Oct 2026, page 4
- 3. Annual report, 29 Aug 2026, page 12
- 4. Annual report, 29 Aug 2026, page 230
- 5. Annual report, 29 Aug 2026, page 289
- 6. Annual report, 29 Aug 2026, page 94
- 7. Annual report, 29 Aug 2026, page 97
- 8. Annual report, 29 Aug 2026, page 154
- 9. Annual report, 29 Aug 2026, page 155
- 10. Annual report, 29 Aug 2026, page 22
- 11. Annual report, 29 Aug 2026, page 58
- 12. Investor presentation, 22 Oct 2026, page 6
- 13. Earnings call, 22 Oct 2026, page 5
- 14. Investor presentation, 22 Oct 2026, page 6
- 15. Annual report, 29 Aug 2026, page 56
- 16. Annual report, 29 Aug 2026, page 27
- 17. Annual report, 29 Aug 2026, page 22
- 18. Annual report, 29 Aug 2026, page 424
- 19. Annual report, 29 Aug 2026, page 230
- 20. Investor presentation, 22 Oct 2026, page 6
- 21. Investor presentation, 22 Oct 2026, page 8
- 22. Investor presentation, 22 Oct 2026, page 14
- 23. Earnings call, 22 Oct 2026, page 5
- 24. Investor presentation, 22 Oct 2026, page 4
- 25. Investor presentation, 22 Oct 2026, page 14
- 26. Investor presentation, 22 Oct 2026, page 15
- 27. Annual report, 29 Aug 2026, page 31
- 28. Investor presentation, 22 Oct 2026, page 6
- 29. Investor presentation, 22 Oct 2026, page 6
- 30. Earnings call, 22 Oct 2026, page 8
- 31. Investor presentation, 22 Oct 2026, page 6
- 32. Earnings call, 22 Oct 2026, page 6
- 33. Earnings call, 22 Oct 2026, page 8
- 34. Earnings call, 22 Oct 2026, page 9
- 35. Earnings call, 22 Oct 2026, page 16
- 36. Exchange filing, 16 Oct 2026, page 1
- 37. Exchange filing, 14 Jul 2026, page 1
- 38. Exchange filing, 14 Jul 2026, page 2
- 39. Exchange filing, 11 Sep 2026, page 1
- 40. Exchange filing, 20 Aug 2026, page 1
- 41. Annual report, 29 Aug 2026, page 98
- 42. Exchange filing, 5 Dec 2025, page 1
Results
Standalone, as consolidated accounts are on record for only 7 of the last ten years; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.The Jammu & Kashmir Bank quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +6.4%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +13.0%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹4,042 Crup 7.50%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹546 Crup 28.80%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 3,448 | 3,616 | 3,519 | 3,447 | 3,593 | 3,531 | 3,760 | 4,042 |
| Net profit | 532 | 585 | 485 | 494 | 587 | 798 | 424 | 546 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹14,085 Crup 3.02%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,363 Crup 13.49%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 7,179 | 7,117 | 8,488 | 8,992 | 8,830 | 8,794 | 10,112 | 12,038 | 13,673 | 14,085 |
| Net profit | −1,632 | 203 | 465 | −1,139 | 432 | 502 | 1,197 | 1,767 | 2,082 | 2,363 |
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Other Retail BankingOther Retail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹9,004 Crdown 0.05%58.8%
- Treasury OperationsTreasury Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹3,594 Crup 12.77%23.5%
- Corporate/Wholesale BankingCorporate/Wholesale Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹2,623 Crdown 4.48%17.1%
- Other Banking BusinessOther Banking Business, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹103 Cr0.7%
- Digital BankingDigital Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹0 Cr0.0%
Valuation
Today, against the company's own history.The Jammu & Kashmir Bank PE ratio and valuation
At or below today's level on 44% of 1,751 trading days over the last 10 years.
At or below today's level on 33% of 1,044 trading days over the last 5 years.
At or below today's level on 63% of 2,474 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +19.2% | +13.5% | +5.0% | 0.0% |
| 3 years | +32.2% | +22.7% | +6.6% | 1.3% |
| 5 years | +34.8% | +28.8% | +3.9% | 1.0% |
Mutual fund holdings
71 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 49 of the 60 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 71 funds holding The Jammu & Kashmir Bank
- AddedAdded. Funds that held more shares than at the end of the month before.
- 23
- CutCut. Funds that held fewer shares than at the end of the month before.
- 37
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 11
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 3
| Fund | |||
|---|---|---|---|
| 3,65,40,105 | 1.67% | ₹506.6 Cr | |
| 56,14,961 | 1.50% | ₹77.9 Cr | |
| 45,40,314 | 0.41% | ₹63.0 Cr | |
| 37,50,000 | 0.15% | ₹52.0 Cr | |
| 37,06,620 | 0.62% | ₹51.4 Cr | |
| 25,59,280 | 1.85% | ₹35.5 Cr | |
| 24,43,242 | 0.16% | ₹33.9 Cr | |
| 20,82,175 | 1.99% | ₹28.9 Cr | |
| 13,91,335 | 0.59% | ₹19.3 Cr | |
| 8,24,901 | 1.09% | ₹11.4 Cr |
Promoter and insider buying and selling
Trades made since 30 Oct 2025.The Jammu & Kashmir Bank insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Others: no market trade · 3 pledge filings of unclear kind
The Jammu & Kashmir Bank competitors and peers
Private Sector Bank, 20 listed companies, priced on 30 Oct 2026. The table lists the 8 companies closest to The Jammu & Kashmir Bank in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 34,425 | 11.64 | 2.24 | +13.6% | +40.6% | 21.0% | 1.96% | 4.19% | 0.73% | |
| 24,865 | 13.35 | 0.94 | +0.8% | +51.7% | 7.3% | 0.61% | 5.94% | 0.97% | |
| 21,223 | 14.24 | 1.90 | +21.6% | +23.3% | 14.1% | 1.52% | 3.57% | 0.93% | |
| 14,536 | 9.17 | 1.20 | +4.7% | +16.8% | 14.0% | 1.09% | 2.80% | 0.81% | |
| 12,689 | 8.04 | 1.18 | +17.6% | +29.9% | 15.6% | 1.89% | 3.85% | 1.56% | |
| 11,284 | 7.26 | 0.81 | +3.3% | +35.4% | 11.7% | 1.05% | 2.96% | 1.68% | |
| 6,206 | 7.39 | 0.89 | +10.3% | +25.4% | 13.0% | 0.89% | 3.22% | 0.75% | |
| 5,133 | 7.47 | 0.99 | +15.7% | +10.6% | 13.9% | 1.20% | 3.61% | 0.00% |
Dividends
Per share, by the year it was paid for, and the latest payments.The Jammu & Kashmir Bank dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 19 Aug 2025 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹2.15 |
| 9 Aug 2024 | Final | ₹2.15 |
| 17 Aug 2023 | Final | ₹0.50 |
| 11 Jul 2016 | Final | ₹1.75 |
| 13 Aug 2015 | Final | ₹2.10 |
| 24 Jul 2014 | Final | ₹50.00 |
Latest announcements
Routine notices left out.The Jammu & Kashmir Bank announcements
Oct 2026
29 Oct
22 Oct · Business
The Jammu & Kashmir Bank share price by year
Each calendar year to 2025.The Jammu & Kashmir Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 100.30 | −0.5% | 116.72 | 88.47 |
| 2024 | 100.82 | −18.0% | 147.65 | 91.18 |
| 2023 | 123.00 | +116.9% | 134.05 | 45.65 |
| 2022 | 56.70 | +56.0% | 61.65 | 24.10 |
| 2021 | 36.35 | +57.0% | 47.75 | 22.60 |
| 2020 | 23.15 | −22.4% | 30.95 | 11.10 |
| 2019 | 29.85 | −20.8% | 64.80 | 29.55 |
| 2018 | 37.70 | −52.0% | 82.05 | 35.65 |
| 2017 | 78.55 | +32.4% | 95.45 | 59.45 |
| 2016 | 59.35 | −27.9% | 90.05 | 56.60 |
Recent sessions
The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 29 Oct 2026 | 121.10 | 123.05 | 120.44 | 122.25 | 121.77 | 18,03,306 | 35.2% |
| 28 Oct 2026 | 123.75 | 123.75 | 120.81 | 121.83 | 121.77 | 16,78,235 | 35.7% |
| 27 Oct 2026 | 116.08 | 124.36 | 115.45 | 123.91 | 122.76 | 53,51,548 | 39.5% |
| 26 Oct 2026 | 112.23 | 117.64 | 112.23 | 117.02 | 115.52 | 52,65,513 | 31.2% |
| 23 Oct 2026 | 135.08 | 135.87 | 111.60 | 113.09 | 117.14 | 2,31,92,355 | 28.4% |
| 22 Oct 2026 | 135.47 | 142.28 | 132.62 | 135.08 | 137.75 | 1,12,10,566 | 13.5% |
| 21 Oct 2026 | 140.27 | 140.27 | 134.50 | 135.50 | 136.59 | 21,61,619 | 41.8% |
| 19 Oct 2026 | 135.15 | 140.27 | 134.35 | 139.35 | 137.84 | 29,00,382 | 37.3% |
| 16 Oct 2026 | 137.48 | 137.63 | 133.70 | 134.33 | 135.33 | 12,50,150 | 51.8% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Stock split history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 4 Sep 2014 | Split | 0.1000 | Each share became 10. |
Company details
- NSE symbol
- J&KBANK
- BSE code
- 532209
- ISIN
- INE168A01041
- Industry
- Banks
- Website
- www.jkb.bank.in
- CIN
- L65110JK1938SGC000048
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1938
- Registered office
- Corporate Head Quarters, Maulana Azad Road, Srinagar 190001, Jammu & Kashmir
- Share registrar
- Bigshare Services Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments