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154.63

-22.68 -12.79%

As of 27 Jul 2026 · delayed

NSE Listed

Jammu and Kashmir Bank Ltd. (J&KBANK)

Volume: 34,10,073Avg Vol 1W: 48,03,614.2Avg Vol 1M: 71,44,021.3552W Range:97.35201.75
Key Ratios
Checked 2d ago
Market Cap₹19,003 Cr
Current Price₹154.63
Previous Close₹177.31
High / Low (52w)₹201.75 / ₹97.35
Volume34,10,073
Avg Vol (1W)48,03,614.2
Avg Vol (1M)71,44,021.35
Stock P/E4.88
Book Value₹117.76
Dividend Yield
ROE17.5%
ROA
Revenue (TTM)₹13,688 Cr
Revenue Growth
Profit Margin
Total Debt₹2,383 Cr
Shares Outstanding
Face Value₹1
EPS (TTM)₹18.94
P/B0.78
Debt / Equity
50 DMA₹162.93
200 DMA₹125.12
Day change-12.79%
Price Chart
154.63 45.64% · 1Y
193983.4Cr
2025-07-29
2026-07-27

20-day avg volume: 71.4L shares

Pros
  • Healthy return on equity of 17.5%.
  • Stock trades below its book value.
Cons
  • Company is loss-making at the latest annual result.
Quarterly Results
MetricJun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Revenue
EBITDA
Net Profit₹417 Cr₹553 Cr₹532 Cr₹585 Cr₹486 Cr₹495 Cr₹588 Cr₹799 Cr
EPS
Profit & Loss (Annual)
MetricDec 2024Mar 2025Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Mar 2026
Revenue₹13,688 Cr₹6,816 Cr
EBITDA₹2,939 Cr₹0 Cr
Net Profit₹532 Cr₹585 Cr₹2,082 Cr₹485 Cr₹494 Cr₹587 Cr₹798 Cr₹2,363 Cr
EPS18.91
Balance Sheet
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets₹1,01,405 Cr₹1,08,829 Cr₹1,20,273 Cr₹1,30,576 Cr₹1,45,913 Cr₹1,54,505 Cr₹1,69,424 Cr₹1,88,960 Cr
Total Liabilities₹94,783 Cr₹1,02,483 Cr₹1,13,471 Cr₹1,22,499 Cr₹1,36,016 Cr₹1,42,312 Cr₹1,55,215 Cr₹1,72,460 Cr
Equity₹6,622 Cr₹6,346 Cr₹6,802 Cr₹8,077 Cr₹9,896 Cr₹12,193 Cr₹14,208 Cr₹16,500 Cr
Total Debt₹3,431 Cr
Cash Flow
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating₹-2,956 Cr₹4,507 Cr₹74 Cr₹-1,325 Cr₹48 Cr₹-386 Cr₹3,454 Cr₹-1,126 Cr
Investing₹-165 Cr₹-115 Cr₹-76 Cr₹-85 Cr₹-124 Cr₹-257 Cr₹-102 Cr₹-302 Cr
Financing₹769 Cr₹-339 Cr₹-199 Cr₹941 Cr₹638 Cr₹407 Cr₹-1,034 Cr₹-500 Cr
Free Cash Flow₹-2,956 Cr₹4,507 Cr₹74 Cr₹-1,325 Cr₹48 Cr₹-386 Cr₹3,454 Cr₹-1,595 Cr
Shareholding
Promoter 59.4% Institutions 17.22% Public 23.38%
About Jammu and Kashmir Bank Ltd.

Financial Services · Banks - Regional

Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC, smartphone, school education, modular kitchen, Sahafat, solar equipment, and two-wheeler finance services, as well as cash credit schemes, and loans against gold ornaments and jewellery. In addition, it offers commercial vehicle, school bus, passenger bus/mini bus, dastkar, craftsmen, commercial premises, contractor, mini sheep farm establishment, construction equipment, and tourism financing services; Saral financing services to small businessmen; mortgage loans for trade and service sector, loans against property, fair price shop schemes, and start-ups financing services; Karobar cards; guaranteed emergency credit lines; credit guarantee schemes for subordinate debt; asset based agri loans, fruit advances schemes, and Giri finance schemes; and mortgage loan schemes for agricultural produce traders. Further, the company provides government sponsored schemes; life and non-life insurance products; debit and credit cards; and merchant acquiring services. Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.

jkb.bank.in
Efficiency & Working Capital
ROCE5.7%
Interest Coverage0
Dividend Payout
Debtor Days
Inventory Days
Payable Days
Cash Conversion Cycle
Working Capital Days
Shareholding Details

As of 2026-06-30

Promoter59.4%
FII9.4%
DII7.8%
Institutions17.2%
Public23.4%
Promoter Pledge0%
No. of Shareholders2,19,636
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Promoters63.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%
FIIs2.6%5.8%7%7.2%6.5%7.1%7.6%8%7.9%8.1%8.3%9.4%
DIIs4.9%7.4%8.1%7%6.7%6.8%6.7%5.9%5.8%5.8%6%7.8%
Public29.1%27.4%25.5%26.4%27.5%26.7%26.3%26.7%27%26.6%26.3%23.4%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders1,88,6092,04,1932,15,2942,54,6452,78,0502,82,7432,80,1872,65,9682,61,9782,54,2192,40,5392,19,636
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202503
Major Shareholders (>1%)
NameCategoryStakeShares
Chief Secretary Jammu And Kashmir GovtShareholding of Promoter and Promoter Group51.9%57.14 Cr
Kotak Mahindra Trustee Co Ltd A/c Kotak Special Opportunities FundPublic Shareholding4.5%4.99 Cr
Finance Secretary Ut LadakhShareholding of Promoter and Promoter Group4.2%4.58 Cr
Secretary Finance Deptt Jammu And Kashmir GovtShareholding of Promoter and Promoter Group3.4%3.69 Cr
Bowhead India FundPublic Shareholding2%2.20 Cr
Mukul Mahavir AgrawalPublic Shareholding1.5%1.65 Cr
Sanjeev Arora .Public Shareholding1.2%1.34 Cr
Board of Directors
NameDesignationYear
R K ChhibberNon Executive Director2025
Anand KumarIndependent Director2025
Sudhir GuptaExecutive Director2025
Shahla AyoubIndependent Director2025
MANDEEP KUMAR BHANDARINon Executive Director2025
S KrishnanPart Time Chairman2025
Mohammad Shafi MirCompany Sec. & Compli. Officer2025
Sanjiv DayalNominee (RBI)2025
Amitava ChatterjeeManaging Director & Chief Executive Officer2025
Arun GandotraAdditional Director2025
PRAFULLA PREMSUKH CHHAJEDAdditional Director2025
Shailendra KumarNominee (Govt)2025
Ashish KundraAdditional Director2025
Pravin RaghavendraAdditional Director2025
Segments — Product
SegmentRevenueShare
Treasury Operations₹3,187 Cr21.2%
Corporate/Wholesale Banking₹2,741 Cr18.2%
Retail Banking₹8,998 Cr59.9%
Other Banking Business₹107 Cr0.7%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2025₹1185110110
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-29Board Meetings
dividend2025-08-19₹2.15 (215%)Final
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
2025413502530391
2025010002
2025113302530387
Insider / Designated-Person Trades

1 recent disclosure(s)

THE GOVT OF JAMMU AND KASHMIRAcquisition · 16,76,72,702
Company Information
Incorporated1938
ChairmanS Krishnan
AuditorGupta Gupta & Associates LLP/JCR & Co. LLP.
Investor Email[email protected]
🌐 www.jkbank.com

📍 Moulana Azad Road, Srinagar, Jammu & Kashmir, 190001

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