The Jammu & Kashmir Bank LimitedJ&KBANKBank / NBFC

Financial Services Banks - Regional Latest results: Sep 2026 16 quarters of data

₹121.30

MCap ₹13,357 Cr · P/E 5.7

AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹3,729 Cr

Interest Earned · Sep 2026

+13.2% YoY

₹790 Cr

Operating Profit · Sep 2026

₹553 Cr

Net Profit · Sep 2026

+11.7% YoY

₹5.02

EPS · Sep 2026

+11.8% YoY

2.23%

Gross NPA % · Sep 2026

0.51%

Net NPA % · Sep 2026

📝 The Jammu & Kashmir Bank Limited — results explained

Quarter ended September 2026 (Q2 FY27)

The Jammu & Kashmir Bank Limited reported total income of ₹4,047 crore for the quarter ended September 2026 (Q2 FY27), up 17.3% from ₹3,450 crore in the same quarter last year, and up 7.5% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹3,729 crore and other income ₹318 crore. Net interest income (interest earned minus interest expended of ₹2,225 crore) worked out to ₹1,504 crore.

Net profit rose 11.7% year-on-year to ₹553 crore, from ₹495 crore. Earnings per share (EPS) came in at ₹5.02.

On asset quality, gross NPA stood at 2.23% and net NPA at 0.51% (gross NPA was 3.32% a year ago); the capital adequacy ratio was 16.44%.

Full year and trailing twelve months

For the full year FY26, The Jammu & Kashmir Bank Limited posted total income of ₹14,103 crore, a growth of 3.1% over FY25, with a net profit of ₹2,360 crore (up 13.3% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹14,942 crore with a net profit of ₹2,362 crore.

Valuation snapshot

At the current price of ₹121.30, J&KBANK has a market capitalisation of ₹13,357 crore and a trailing P/E of about 5.7.

Within the Banks - Regional industry, it is the 25th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 59.40%, foreign institutional investors (FIIs) 11.62%, domestic institutional investors (DIIs) 7.42%, public shareholders 21.56% of The Jammu & Kashmir Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹13,357 Cr

Current Price ?

₹121.3

P/E ?

5.66below ind

Industry P/E ?

10.50

P/B ?

0.76

P/S ?

0.89

P/FCF ?

-8.37

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

0.22

Earnings Yield ?

17.7%

Dividend Yield ?

1.76%

Profitability & Returns

Total Income (TTM) ?

₹14,942 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹2,362 Cr

EPS (TTM) ?

₹21.45

ROCE ?

N/A

ROE ?

13.5%

ROA ?

1.2%

Gross NPA % ?

2.23%

Net NPA % ?

0.51%

Growth

Total Income — latest qtr ?

₹4,047 Cr

PAT — latest qtr ?

₹553 Cr

YoY qtr sales growth ?

17.3%

YoY qtr profit growth ?

11.7%

Sales growth (3y) ?

12%

Sales growth (5y) ?

10%

Profit growth (3y) ?

26%

Profit growth (5y) ?

41%

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Ownership

Promoter holding ?

59.40%

Change in promoter holding ?

0.00%

FII holding ?

11.62%

DII holding ?

7.42%

Market

Return 3 months ?

-22.5%

Return 6 months ?

-13.1%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026	YoY %	QoQ %
Interest Earned	2,441	2,512	2,657	2,764	2,881	2,910	2,994	3,124	3,210	3,213	3,269	3,293	3,315	3,273	3,547	3,729	+13.2%	+5.1%
Other Income	244	168	230	193	186	229	198	301	242	403	253	157	280	262	217	318	+102.7%	+46.3%
Total Income	2,685	2,681	2,887	2,957	3,067	3,139	3,193	3,424	3,452	3,616	3,523	3,450	3,595	3,535	3,765	4,047	+17.3%	+7.5%
Interest Expended	1,183	1,262	1,374	1,430	1,600	1,604	1,625	1,687	1,697	1,732	1,803	1,858	1,824	1,784	2,049	2,225	+19.7%	+8.6%
Operating Profit	545	450	—	535	551	—	596	789	749	—	674	—	—	—	705	790	—	+12.1%
Provisions	27	-175	—	-10	-9	—	-17	33	-10	—	15	—	—	—	84	72	—	-13.9%
Profit Before Tax	518	625	452	545	561	830	614	757	758	810	659	635	807	862	621	718	+13.1%	+15.7%
Net Profit	307	473	331	384	423	633	418	553	529	582	485	495	581	799	429	553	+11.7%	+28.9%
EPS	3.19	4.87	3.21	3.72	4.05	5.75	3.80	5.02	4.80	5.28	4.40	4.49	5.28	7.25	3.89	5.02	+11.8%	+29.0%
Gross NPA %	7.25%	6.04%	5.77%	5.26%	4.84%	4.08%	3.91%	3.95%	4.08%	3.37%	3.50%	3.32%	3.00%	2.50%	2.37%	2.23%	—	—
Net NPA %	2.08%	1.62%	1.39%	1.04%	0.83%	0.79%	0.76%	0.85%	0.94%	0.79%	0.82%	0.76%	0.68%	0.64%	0.60%	0.51%	—	—
Capital Adequacy Ratio	13.86%	15.41%	14.83%	14.61%	14.25%	—	15.16%	15.07%	15.18%	16.29%	16.00%	15.27%	15.00%	—	16.54%	16.44%	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹12,541 Cr	₹13,150 Cr	₹13,864 Cr	+4.9%
Other Income	₹1,144 Cr	₹952 Cr	₹1,078 Cr	-16.8%
Total Income	₹13,685 Cr	₹14,103 Cr	₹14,942 Cr	+3.1%
Interest Expended	₹6,742 Cr	₹7,269 Cr	₹7,881 Cr	+7.8%
Net Interest Income	₹5,799 Cr	₹5,882 Cr	₹5,983 Cr	+1.4%
Operating Profit	₹2,134 Cr	₹674 Cr	₹1,495 Cr	-68.4%
Provisions	₹5 Cr	₹15 Cr	₹156 Cr	+187.4%
Profit Before Tax	₹2,939 Cr	₹2,963 Cr	₹3,008 Cr	+0.8%
Tax	₹628 Cr	₹173 Cr	₹366 Cr	-72.4%
Net Profit	₹2,082 Cr	₹2,360 Cr	₹2,362 Cr	+13.3%
EPS	₹18.90	₹21.42	₹21.44	+13.3%

🏛️ Balance Sheet (latest 5 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026	% Chg
Equity Capital	103	110	110	110	110	+0.1%
Reserves	9,793	12,083	14,098	16,390	17,433	+6.4%
Deposits	122,027	134,765	148,552	165,342	176,776	+6.9%
Borrowing	2,892	2,885	2,383	3,431	5,381	+56.8%
Other Liabilities	11,097	4,662	4,280	3,687	3,726	+1.1%
Total Liabilities	145,913	154,505	169,424	188,960	203,427	+7.7%
Fixed Assets	2,224	2,208	2,126	2,533	2,517	-0.6%
CWIP	47	50	66	0	—	—
Investments	34,780	34,900	41,122	40,520	45,648	+12.7%
Other Assets	108,860	117,347	126,110	145,906	155,262	+6.4%
Total Assets	145,913	154,505	169,424	188,960	203,427	+7.7%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-407	-853	2,723	-1,126	-141.4%
Cash from Investing Activity	-124	-257	-102	-302	-196.1%
Cash from Financing Activity	638	407	-1,034	-500	+51.6%
Net Cash Flow	107	-702	1,587	-1,928	-221.5%
Free Cash Flow	-531	-1,038	2,621	-1,595	-160.9%
CFO/OP	1%	-5%	40%	-4%	-110.0%

💧 Half-year Cash Flow (latest 1 periods)

Metric	Sep 2026	% Chg
Cash from Operating Activity	126	—
Cash from Investing Activity	-57	—
Cash from Financing Activity	-130	—
Net Cash Flow	-62	—

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	13%	16%	16%	15%	-6.2%

👥 Shareholding (latest 5 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Sep 2026	% Chg
Promoters	59.40%	59.40%	59.40%	59.40%	59.40%	+0.0%
FIIs	8.01%	7.85%	8.14%	8.35%	11.62%	+39.2%
DIIs	5.87%	5.76%	5.84%	6.00%	7.42%	+23.7%
Public	26.72%	26.98%	26.62%	26.26%	21.56%	-17.9%
No. of Shareholders	2,65,968	2,61,978	2,54,219	2,40,539	2,16,319	-10.1%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	ROE%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	HDFCBANK HDFC Bank	₹687.00	1,059,877	13.2	506,315	80,825	18.7%	16.0%	13.4%	5.2%	8.4%	9.1%	5.6%
2	ICICIBANK ICICI Bank	₹1,383.50	993,295	18.1	211,322	54,667	27.6%	25.9%	15.5%	4.7%	6.2%	15.9%	20.1%
3	SBIN State Bank	₹950.70	877,569	10.2	722,687	88,468	14.7%	12.2%	14.8%	7.0%	8.3%	7.8%	11.1%
4	KOTAKBANK Kotak Mahindra	₹438.65	436,364	20.3	115,821	21,473	20.8%	18.5%	11.0%	1.0%	-12.8%	18.2%	26.3%
5	AXISBANK Axis Bank	₹1,217.10	378,994	12.6	170,929	29,990	21.3%	17.5%	13.1%	4.0%	-5.8%	14.8%	39.4%
6	UNIONBANK Union Bank	₹178.20	136,031	6.2	130,809	22,000	12.4%	16.8%	15.3%	-0.6%	7.8%	3.9%	30.6%
7	PNB Punjab National	₹115.70	132,973	5.8	151,526	22,871	15.0%	15.1%	14.2%	6.4%	-0.6%	5.7%	15.2%
8	BANKBARODA Bank of Baroda	₹245.55	126,983	6.4	167,087	19,835	19.7%	11.9%	12.0%	2.6%	-3.9%	19.1%	31.2%
9	INDIANB Indian Bank	₹829.85	111,778	8.5	84,489	13,218	21.0%	15.6%	15.2%	8.7%	3.9%	21.1%	13.9%
10	CANBK Canara Bank	₹119.69	108,567	5.3	150,263	20,391	17.4%	13.6%	15.9%	0.3%	12.2%	-2.6%	11.0%
11	FEDERALBNK Federal Bank	₹344.00	84,981	16.3	36,483	5,348	17.7%	14.7%	13.4%	7.0%	5.0%	19.0%	57.7%
12	IDBI IDBI Bank	₹76.56	82,320	9.9	36,439	8,324	19.4%	22.8%	11.5%	4.6%	21.5%	7.3%	-31.1%
13	AUBANK AU Small	₹981.20	73,533	23.3	23,575	3,153	17.7%	13.4%	14.7%	16.0%	25.4%	22.2%	52.9%
14	YESBANK Yes Bank	₹23.40	73,449	17.6	39,277	4,194	11.8%	10.7%	7.9%	0.6%	43.5%	16.3%	63.2%
15	INDUSINDBK IndusInd Bank	₹839.45	65,405	21.8	52,939	3,001	15.0%	5.7%	4.4%	-5.1%	-65.5%	5.9%	384.2%
16	IDFCFIRSTB IDFC First	₹71.37	61,545	20.6	52,314	3,007	13.7%	5.7%	6.1%	11.4%	8.1%	20.3%	201.7%
17	BANKINDIA Bank of India	₹134.45	61,211	5.1	90,419	11,991	15.9%	13.3%	13.3%	6.5%	14.2%	16.4%	25.4%
18	MAHABANK Bank of Maharashtra	₹74.58	57,364	7.2	35,769	8,174	25.8%	22.9%	21.9%	15.6%	26.6%	22.1%	38.4%
19	IOB Indian Overseas	₹29.07	55,979	8.5	40,817	6,662	20.4%	16.3%	18.0%	11.4%	59.6%	13.1%	55.9%
20	RBLBANK RBL Bank	₹345.40	53,616	44.4	19,673	1,205	16.5%	6.1%	2.8%	3.6%	22.5%	21.6%	158.9%
21	KARURVYSYA Karur Vysya	₹339.15	32,785	11.1	13,985	2,958	23.3%	21.2%	21.0%	14.4%	29.3%	10.5%	37.2%
22	UCOBANK UCO Bank	₹24.05	30,158	10.1	31,742	2,982	20.0%	9.4%	8.6%	0.9%	13.2%	10.1%	26.8%
23	CENTRALBK Central Bank	₹30.43	27,543	5.7	44,345	4,822	10.1%	10.9%	11.6%	7.5%	14.9%	14.5%	20.6%
24	BANDHANBNK Bandhan Bank	₹159.10	25,633	13.8	25,014	1,863	17.4%	7.4%	7.1%	-1.8%	-55.4%	9.5%	455.8%
25	J&KBANK Jammu and Kashmir	₹114.95	12,658	5.4	14,942	2,362	10.0%	15.8%	13.5%	3.1%	13.3%	17.3%	11.7%

❓ Frequently asked questions

What was The Jammu & Kashmir Bank Limited's total income in Q2 FY27?

What was The Jammu & Kashmir Bank Limited's net profit in Q2 FY27?