J&KBANK

The Jammu & Kashmir Bank Limited

Private-sector bank with pan-India presence and regional dominance

Financial Services›Financial Services›Banks›Private Sector Bank

jkb.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹134.33
Market cap
14,807 Cr
Stock P/E
6.4
P/B
0.90
Dividend yield
1.7%
ROE (FY26)
15.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

J&K Bank (The Jammu & Kashmir Bank) is a private-sector bank that takes deposits and lends to retail, agriculture, MSME and corporate borrowers, with its home market in Jammu & Kashmir and Ladakh and a growing lending book in the rest of India.

Company snapshot

14thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 65.7% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/Wholesale Banking
19.6%
677 Cr390 Cr28,570 Cr
Digital Retail Banking
0.0%
0.03 Cr-0.24 Cr0.36 Cr
Less: Tax Expenses/ (Credit)—0 Cr-226 Cr0 Cr
Other Banking Business
0.6%
22 Cr21 Cr2 Cr
Other Retail Banking
65.7%
2,265 Cr614 Cr81,233 Cr
Treasury Operations
25.1%
864 Cr58 Cr51,977 Cr
Un-Allocated Business—0 Cr-325 Cr0 Cr

Shares add up to 111% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Net margin of 16.7% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
1 more signal from the filings.Sign in free to see them all

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income1,334 Cr1,281 Cr1,306 Cr1,369 Cr1,436 Cr1,512 Cr1,482 Cr1,467 Cr1,435 Cr1,491 Cr1,489 Cr1,499 Cr
Other income193 Cr186 Cr229 Cr198 Cr301 Cr242 Cr406 Cr253 Cr157 Cr282 Cr262 Cr217 Cr
Net operating income1,527 Cr1,467 Cr1,535 Cr1,568 Cr1,737 Cr1,755 Cr1,888 Cr1,720 Cr1,593 Cr1,773 Cr1,752 Cr1,716 Cr
Employee cost723 Cr637 Cr486 Cr692 Cr660 Cr703 Cr733 Cr663 Cr648 Cr659 Cr511 Cr653 Cr
Other expenses268 Cr279 Cr384 Cr280 Cr288 Cr303 Cr354 Cr383 Cr321 Cr333 Cr328 Cr358 Cr
Provisions & contingencies-10 Cr-9 Cr-165 Cr-17 Cr33 Cr-10 Cr-9 Cr15 Cr-11 Cr-26 Cr50 Cr84 Cr
Depreciation————————————
Profit before tax545 Cr561 Cr830 Cr614 Cr757 Cr758 Cr810 Cr659 Cr635 Cr807 Cr862 Cr621 Cr
Tax %30.0%24.8%23.0%32.1%27.0%29.9%27.8%26.3%22.0%27.2%7.3%31.5%
Net profit384 Cr423 Cr633 Cr419 Cr553 Cr529 Cr582 Cr485 Cr495 Cr581 Cr799 Cr429 Cr
EPS (₹)₹3.72₹4.05₹5.75₹3.80₹5.02₹4.80₹5.28₹4.40₹4.49₹5.28₹7.25₹3.89

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,513 Cr2,871 Cr3,384 Cr3,707 Cr3,771 Cr3,912 Cr4,746 Cr5,205 Cr5,800 Cr5,882 CrSign in free for the trailing twelve months
Other income497 Cr501 Cr817 Cr550 Cr728 Cr790 Cr765 Cr838 Cr1,147 Cr951 CrSign in free for the trailing twelve months
Net operating income3,010 Cr3,372 Cr4,202 Cr4,257 Cr4,500 Cr4,702 Cr5,511 Cr6,043 Cr6,947 Cr6,833 CrSign in free for the trailing twelve months
Employee cost———1,891 Cr2,062 Cr2,405 Cr2,709 Cr2,579 Cr2,788 Cr2,487 CrSign in free for the trailing twelve months
Other expenses———844 Cr822 Cr924 Cr942 Cr1,184 Cr1,224 Cr1,354 CrSign in free for the trailing twelve months
Provisions & contingencies2,800 Cr1,261 Cr1,058 Cr2,625 Cr1,077 Cr357 Cr74 Cr-108 Cr-4 Cr29 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax-1,507 Cr121 Cr659 Cr-1,102 Cr538 Cr747 Cr1,786 Cr2,388 Cr2,939 Cr2,964 CrSign in free for the trailing twelve months
Tax %-8.4%-67.6%29.6%-3.6%19.2%32.4%32.9%25.9%29.0%20.1%Sign in free for the trailing twelve months
Net profit-1,633 Cr203 Cr464 Cr-1,183 Cr428 Cr495 Cr1,181 Cr1,771 Cr2,082 Cr2,360 CrSign in free for the trailing twelve months
EPS (₹)₹-33.59₹3.63₹8.38₹-16.59₹6.01₹5.96₹12.25₹16.84₹18.91₹21.42Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital52 Cr56 Cr56 Cr71 Cr71 Cr93 Cr103 Cr110 Cr110 Cr110 Cr
Reserves5,621 Cr6,102 Cr6,566 Cr6,274 Cr6,731 Cr7,890 Cr9,793 Cr10,814 Cr12,859 Cr14,869 Cr
Borrowings1,276 Cr1,628 Cr2,624 Cr2,020 Cr2,015 Cr2,371 Cr2,892 Cr2,885 Cr2,383 Cr3,431 Cr
Other liabilities75,063 Cr81,899 Cr92,159 Cr1,00,464 Cr1,11,455 Cr1,20,222 Cr1,33,124 Cr1,40,696 Cr1,54,071 Cr1,70,550 Cr
Total liabilities82,012 Cr89,684 Cr1,01,405 Cr1,08,829 Cr1,20,273 Cr1,30,576 Cr1,45,913 Cr1,54,505 Cr1,69,424 Cr1,88,960 Cr
Fixed assets (net)1,544 Cr1,615 Cr1,675 Cr2,071 Cr2,013 Cr1,954 Cr2,272 Cr2,258 Cr2,192 Cr2,533 Cr
CWIP——————————
Investments21,271 Cr18,860 Cr23,141 Cr22,990 Cr30,774 Cr33,785 Cr34,780 Cr34,900 Cr41,122 Cr40,520 Cr
Loans & advances49,816 Cr56,913 Cr66,272 Cr64,399 Cr66,842 Cr70,393 Cr82,278 Cr93,757 Cr1,04,184 Cr1,22,633 Cr
Cash & bank3,591 Cr4,328 Cr4,875 Cr2,947 Cr3,685 Cr1,395 Cr7,794 Cr7,250 Cr7,385 Cr7,622 Cr
Other assets5,790 Cr7,968 Cr5,443 Cr16,421 Cr16,959 Cr23,049 Cr18,789 Cr16,340 Cr14,541 Cr15,652 Cr
Total assets82,012 Cr89,684 Cr1,01,405 Cr1,08,829 Cr1,20,273 Cr1,30,576 Cr1,45,913 Cr1,54,505 Cr1,69,424 Cr1,88,960 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity2,457 Cr2,363 Cr-2,992 Cr4,374 Cr-1,41,654 Cr-1,568 Cr-407 Cr-924 Cr2,723 Cr-1,707 Cr
Cash from investing-861 Cr-164 Cr-165 Cr-115 Cr-7,59,827 Cr-85 Cr-124 Cr-186 Cr-102 Cr302 Cr
Cash from financing593 Cr668 Cr769 Cr-339 Cr-19,87,500 Cr941 Cr638 Cr407 Cr-1,034 Cr-500 Cr
Net cash flow2,189 Cr2,867 Cr-2,388 Cr3,920 Cr-28,88,981 Cr-712 Cr107 Cr-702 Cr1,587 Cr-1,905 Cr
Free cash flow (OCF − Capex)1,596 Cr2,199 Cr-3,156 Cr4,259 Cr-9,01,481 Cr-1,653 Cr-531 Cr-1,110 Cr2,621 Cr-1,707 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-28.8%3.3%7.0%-18.6%6.3%6.2%11.9%16.2%16.1%15.8%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——6,221 Cr7,672 Cr6,955 Cr6,521 Cr5,204 Cr3,956 Cr3,605 Cr3,125 Cr
Gross NPA %——9.0%11.0%9.7%8.7%6.0%4.1%3.4%2.5%
Net NPA——3,240 Cr2,244 Cr1,969 Cr1,750 Cr1,334 Cr737 Cr818 Cr785 Cr
Net NPA %4.9%4.9%4.9%3.5%2.9%2.5%1.6%0.8%0.8%0.6%
CET1 %8.7%9.2%9.1%8.4%8.8%10.3%11.1%12.0%13.0%13.5%
Additional Tier 1 %0.0%0.0%10.6%9.8%10.3%11.7%12.3%13.1%14.0%14.4%
ROA %-2.0%0.3%0.5%-1.1%0.4%0.4%0.9%1.2%1.3%1.8%