- 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.
- ₹12,453 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. The filing of 22 Oct 2026
- 5.3
- 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. The filing of 22 Oct 2026
- 0.7
- 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. The filing of 22 Oct 2026
- 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.
- 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.
- 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.
- 1.32%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 2,31,92,35528.4% delivered
Results
Standalone, as consolidated accounts are on record for only 7 of the last ten years; ₹ crore, the charts by years to March, the table by quarter. Total income is interest earned plus other income, fees and treasury gains among it.Quarterly results
Quarter to Sep 2026, against the quarter beforeFiled 22 Oct
- 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.
- ₹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.
- ₹546 Crup 28.80%
Total income by year
Peak total income ₹14,085 Cr, year to Mar 2026
Net profit by year, a loss in red
- Net profit
- Loss
A loss in 2 of the 10 years shown
| ₹ crore | Dec 2024Filed 20 Jan | Mar 2025Filed 6 May | Jun 2025Filed 25 Jul | Sep 2025Filed 18 Oct | Dec 2025Filed 20 Jan | Mar 2026Filed 16 May | Jun 2026Filed 29 Jul | Sep 2026Filed 22 Oct |
|---|---|---|---|---|---|---|---|---|
| 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 |
Standalone. The last eight quarters. The latest is shaded.
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%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer.PE ratio and valuation history
Price to earningsPrice 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.
At or below today's level on 37% of 1,752 trading days over the last 10 years.
LowestHighest
Its median5.7Industry median13.0
Price to bookPrice 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.
At or below today's level on 32% of 1,044 trading days over the last 5 years.
LowestHighest
Its median0.8Industry median1.2
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 63% of 2,475 trading days over the last 10 years.
LowestHighest
Its median0.00%Industry median0.77%
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% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 3 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.
Mutual funds holding it
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.Mutual fund holdings
- 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.
- 3
| Fund | |||
|---|---|---|---|
 Kotak Multi Cap FundKotak Mahindra Mutual Fund | 3,65,40,105 | 1.67% | ₹506.6 Cr |
| Kotak Contra FundKotak Mahindra Mutual Fund | 56,14,961 | 1.50% | ₹77.9 Cr |
| Kotak Multi Asset Allocation FundKotak Mahindra Mutual Fund | 45,40,314 | 0.41% | ₹63.0 Cr |
 Bandhan Small Cap FundBandhan Mutual Fund | 37,50,000 | 0.15% | ₹52.0 Cr |
 Motilal Oswal Small Cap FundMotilal Oswal Mutual Fund | 37,06,620 | 0.62% | ₹51.4 Cr |
| Kotak Special Opportunities FundKotak Mahindra Mutual Fund | 25,59,280 | 1.85% | ₹35.5 Cr |
| Bandhan Large & Mid Cap FundBandhan Mutual Fund | 24,43,242 | 0.16% | ₹33.9 Cr |
| Kotak Banking & Financial Services FundKotak Mahindra Mutual Fund | 20,82,175 | 1.99% | ₹28.9 Cr |
 Baroda BNP Paribas Multi Cap FundBaroda BNP Paribas Mutual Fund | 13,91,335 | 0.59% | ₹19.3 Cr |
| Bandhan Financial Services FundBandhan Mutual Fund | 8,24,901 | 1.09% | ₹11.4 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Peers and competitors
Private Sector Bank, 20 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to The Jammu & Kashmir Bank in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Bandhan BankBANDHANBNK | 24,149 | 17.8 | 0.9 | −2.2% | −34.1% | 5.4% | 0.61% | 5.94% | 1.00% |
 City Union BankCUB | 21,997 | 15.7 | 2.1 | +18.4% | +20.4% | 14.0% | 1.52% | 3.57% | 0.90% |
 The South Indian BankSOUTHBANK | 13,771 | 8.7 | 1.1 | +4.7% | +16.8% | 14.0% | 1.09% | 2.80% | 0.86% |
 Tamilnad Mercantile BankTMB | 12,678 | 8.8 | 1.3 | +11.8% | +20.3% | 15.1% | 1.89% | 3.85% | 1.56% |
 The Karnataka BankKTKBANK | 11,372 | 7.9 | 0.9 | +0.9% | +23.4% | 11.4% | 1.05% | 2.96% | 1.66% |
 DCB BankDCBBANK | 6,434 | 8.2 | 1.0 | +9.8% | +22.8% | 12.9% | 0.89% | 3.22% | 0.73% |
 CSB BankCSBBANK | 5,409 | 8.1 | 1.1 | +21.9% | +10.9% | 14.2% | 1.20% | 3.61% | 0.00% |
 Dhanlaxmi BankDHANBANK | 1,411 | – | 1.0 | +20.1% | – | – | 0.52% | 3.53% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
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.Highest ₹2.15 a share, years to Mar 2024 and Mar 2025.
| 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. | ₹2.15 |
| 9 Aug 2024 | 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. | ₹2.15 |
| 17 Aug 2023 | 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. | ₹0.50 |
| 11 Jul 2016 | 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. | ₹1.75 |
| 13 Aug 2015 | 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. | ₹2.10 |
| 24 Jul 2014 | 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. | ₹50.00 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
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 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 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% |
| 15 Oct 2026 | 139.30 | 139.50 | 136.90 | 137.45 | 137.82 | 10,73,889 | 48.3% |
| 14 Oct 2026 | 139.00 | 140.15 | 138.00 | 138.75 | 139.01 | 9,71,793 | 49.4% |
| 13 Oct 2026 | 138.40 | 140.50 | 136.92 | 139.17 | 138.41 | 33,89,855 | 52.4% |
| 12 Oct 2026 | 138.23 | 139.87 | 137.08 | 138.03 | 138.40 | 15,38,724 | 34.3% |
| 9 Oct 2026 | 135.83 | 139.08 | 135.54 | 138.23 | 137.33 | 19,51,857 | 54.2% |
Prices in ₹ per share as traded, not adjusted.
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. |
Earlier prices are multiplied by the factor, so the chart reads as one share held throughout.
About The Jammu & Kashmir Bank
Jammu and Kashmir Bank Limited, known as J&K Bank, is a bank headquartered in Srinagar. It serves retail, corporate, agricultural and MSME customers, and its shares are listed on the NSE and BSE. It was incorporated in 1938.
The bank reports its business in five segments: treasury, retail banking, corporate banking, insurance business and other banking operations. Treasury manages the investment portfolio, liquidity and foreign exchange activities. Retail banking offers savings and current accounts, deposits, and housing, personal, vehicle and gold loans. Corporate banking serves corporates, institutions and government entities. The insurance business is a fee-based activity run through tie-ups with life and general insurers. The bank also has a wholly owned subsidiary, JKB Financial Services Limited.
J&K Bank has 1,008 branches, of which 835 operate in the Union Territory of Jammu and Kashmir, 37 in the Union Territory of Ladakh and 136 in other states and Union Territories. It is the designated agency bank of the Reserve Bank of India for conducting government banking in Jammu and Kashmir and Ladakh.
The bank's promoters are the Government of the Union Territory of Jammu and Kashmir and the administration of the Union Territory of Ladakh. A promoter is the person or group that set up a company or controls it. The Government of the Union Territory of Jammu and Kashmir is the majority holder, while the bank keeps full operational autonomy.
- Legal name
- The Jammu & Kashmir Bank Limited
- NSE symbol
- J&KBANK
- BSE code
- 532209
- ISIN
- INE168A01041
- Industry
- Banks
- Listed
- Jul 1998
- Face value
- ₹1
- CIN
- L65110JK1938SGC000048
- Corporate identity number, the registrar of companies' code for it
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