J&KBANK · The Jammu & Kashmir Bank Ltd · Regional Banks
J&KBANK · The Jammu & Kashmir Bank Ltd · Regional Banks
As of 06 Nov close
52-week range
39.0% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 16 Oct 2026
Revenue (latest Q)
Not available from data source
Revenue YoY
PAT YoY
-11.5%
Operating margin
Revenue, last 5 quarters
P/E (TTM)
P/B
0.9
P/S (TTM)
Not available from data source
Sector P/E
Not available from data source
Dividend yield
Not available from data source
Source: Yahoo Finance, as of 29 Oct 2026
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| J&KBANK (this stock) | 5.7 | 0.9 | +33.4% | +13.5% | 0.26 | Not available from data source |
| HDFC Bank * | 15.5 | 1.8 | Not available from data source | Not available from data source | 0.93 | +1.8% |
| ICICI Bank * | 17.5 | 2.6 | Not available from data source | Not available from data source | 0.59 | +0.9% |
| Union Bank of India * | 6.4 | 1 | Not available from data source | Not available from data source | 0.52 | +2.8% |
* Net margin, ROE, D/E and dividend yield for these companies come from RedixFi fundamentals; the data vendor had no values for them.
Promoter
stable
FII
rising 3q
MF
6.36% (+2.47pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowenr.com· 06 Oct 2026, 02:30 pmBest Landscape/Urban Development: Saint Joseph’s University Post Crossing Underpass
- lowrediff.com· 17 Aug 2026, 10:11 pmMajor Financial Institutions Expand Reach And Offerings
Concalls & investor presentations
AI-generatedKey takeaway: During the earnings conference call held on July 29, 2026, Jammu & Kashmir Bank Limited's management, led by Managing Director Amitava Chatterjee, discussed the bank's performance for the first quarter of FY27. The bank reported a year-on-year growth of 16.75% in deposits and 25.44% in advances, marking a significant milestone by crossing INR3 trillion in business. Management highlighted the diversification of its business portfolio, with the Rest of India division contributing 26% of total business. Despite a challenging global economic environment, the bank maintained a strong market share in J&K and Ladakh. The operating profit for the quarter was INR703 crores, a 5% increase year-on-year, although net profit decreased to INR424 crores due to higher provisioning. Management set a goal of 12% credit growth and 10% deposit growth for FY27, while maintaining a focus on quality lending and asset quality improvement. The CASA ratio was reported at 42.06%.
The management highlighted both growth achievements and challenges in profitability.
Sourced from an exchange-filed transcript, dated 03 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Management reported that Jammu & Kashmir Bank achieved a record net profit of INR 2,363 crores for FY26, marking the fourth consecutive year of profitability despite challenges in its core geography. The bank posted a quarterly net profit of nearly INR 800 crores, reflecting a 36% quarter-on-quarter growth. Business growth for FY26 was 13.6%, with deposits and gross advances increasing by 11.3% and 16.8%, respectively. Management noted a slight shortfall in net interest margin (NIM) due to RBI rate cuts and competitive pressures. The bank's asset quality remained strong, with gross and net non-performing assets at 2.50% and 0.64%, respectively. Management set conservative guidance for FY27, aiming for credit growth of 12%, deposit growth of 10%, and a NIM around 3.5%. The bank plans to raise INR 1,250 crores in capital to comply with upcoming regulatory requirements.
Management emphasized strong financial performance and resilience despite challenges.
Sourced from an exchange-filed transcript, dated 08 May 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedThe Jammu & Kashmir Bank Limited's annual report for FY2025-26 outlines its strategic focus on sustainable growth, risk management, and digital transformation. The report highlights the bank's efforts to strengthen its retail and MSME credit portfolios, expand its digital capabilities, and enhance its regional and national presence. It emphasizes the importance of governance, ethical conduct, and stakeholder engagement, while acknowledging challenges such as geopolitical uncertainties and evolving regulatory requirements. The bank also details its social initiatives, including the Ladli Beti Scheme and mobile cardiac care units, reflecting its commitment to community development and responsible banking practices.
- Strategic emphasis on sustainable growth, digital transformation, and risk management.
- Focus on strengthening retail and MSME credit portfolios and expanding digital banking capabilities.
- Commitment to corporate governance, ethical conduct, and stakeholder engagement.
- Initiatives in social responsibility, including the Ladli Beti Scheme and mobile cardiac care units.
- Acknowledgment of challenges such as geopolitical uncertainties and evolving regulatory landscapes.
Key takeaway: The Jammu & Kashmir Bank Limited is prioritizing sustainable growth, digital transformation, and responsible banking practices while navigating challenges such as geopolitical uncertainties and evolving regulatory environments.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
The Reserve Bank of India (RBI) imposed penalties totaling ₹2,76,631.67 on Currency Chests, ₹1,90,000.00 on ATM Cash Outs, ₹50,000.00 on Bank Branches, and ₹1,33,81,219.75 for non-compliance with regulatory guidelines during the Financial Year 2025-2026. Some penalties were recovered from employees, waived by RBI, or recovered from a vendor, while an appeal is pending regarding GST ITC eligibility.
Earlier (1-3 years ago)
The Reserve Bank of India (RBI) imposed monetary penalties totaling ₹3.39909 crore on the Bank during the year ended March 31, 2025, for non-compliances and other issues related to currency chests, branches, and ATM cash outs.
Investigation or enforcement mention
1 occurrenceEarlier (1-3 years ago)
A fraud amounting to ₹198.15 crores was reported, including a ₹27.60 crore fraud from 2020-21 that was reclassified as fraud in 2024-25 after a court ruling allowed the borrower an opportunity under the law of natural justice.
Routine disclosures
Internal Control Weakness
1 occurrenceRecent (last 12 months)
The company has identified material weaknesses in IT controls that are under structured remediation, though no material misstatement in financial statements has been found.
Contingent Liability
2 occurrencesRecent (last 12 months)
The Bank has contingent liabilities related to certain litigations on taxes and various claims filed by other parties not acknowledged as debt. The assessment of these liabilities involves high-level judgment and could significantly impact the Bank's reported profit and financial position.
Earlier (1-3 years ago)
The company has contingent liabilities related to certain litigations on taxes and various claims filed by other parties not acknowledged as debt. The estimation of provisions involves high-level judgment, and unexpected adverse outcomes could significantly impact the Bank’s reported profit and state of affairs.
Related-Party Transaction
1 occurrenceRecent (last 12 months)
The Bank has a related party, Jammu & Kashmir Asset Reconstruction Limited, which was incorporated jointly with the Government of J&K and is being wound up. The Bank has applied to the Registrar of Companies for removal of the company's name from the register under Section 248 of the Companies Act, 2013.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
4.72% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).