| Quarterly Financials | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 1,898 | 1,953 | 2,170 | 2,478 | 2,257 | 2,264 | 2,197 | 2,279 | 2,161 | 2,197 | 2,350 | 2,110 | 2,214 | 2,186 | 2,193 | 2,212 | 2,308 | 2,447 | 2,685 | 2,681 | 2,888 | 2,957 | 3,067 | 3,139 | 3,193 | 3,424 | 3,452 | 3,619 | 3,523 | 3,450 |
| Expenses | 820 | 734 | 878 | 1,119 | 971 | 2,088 | 953 | 1,348 | 962 | 1,017 | 1,172 | 789 | 1,009 | 1,034 | 858 | 1,055 | 1,003 | 946 | 984 | 793 | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,078 | 1,061 | 958 |
| EBITDA | 94 | 170 | 171 | 222 | 117 | -1,033 | 52 | -238 | 65 | 80 | 107 | 287 | 183 | 136 | 308 | 120 | 236 | 407 | 518 | 625 | 452 | 545 | 561 | 830 | 614 | 757 | 759 | 810 | 659 | 635 |
| Operating Profit % | 53 % | 60 % | 56 % | 46 % | 53 % | 3 % | 54 % | 37 % | 53 % | 50 % | 44 % | 60 % | 49 % | 48 % | 58 % | 48 % | 52 % | 59 % | 60 % | 68 % | 60 % | 64 % | 69 % | 76 % | 68 % | 69 % | 69 % | 66 % | 68 % | 71 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 984 | 1,048 | 1,121 | 1,138 | 1,170 | 1,208 | 1,193 | 1,169 | 1,134 | 1,101 | 1,071 | 1,034 | 1,021 | 1,017 | 1,026 | 1,037 | 1,069 | 1,095 | 1,183 | 1,262 | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 |
| Profit Before Tax | 94 | 170 | 171 | 222 | 117 | -1,033 | 52 | -238 | 65 | 80 | 107 | 287 | 183 | 136 | 308 | 120 | 236 | 407 | 518 | 625 | 452 | 545 | 561 | 830 | 614 | 757 | 759 | 810 | 659 | 635 |
| Tax | 42 | 77 | 67 | 8 | 95 | -113 | 3 | 99 | 63 | 42 | 40 | -35 | 84 | 28 | 139 | 1 | 75 | 167 | 211 | 153 | 120 | 161 | 138 | 197 | 195 | 204 | 230 | 228 | 175 | 140 |
| Net Profit | 53 | 93 | 105 | 214 | 21 | -919 | 48 | -337 | 2 | 38 | 66 | 322 | 100 | 107 | 169 | 119 | 161 | 240 | 307 | 473 | 331 | 384 | 423 | 633 | 419 | 553 | 529 | 582 | 485 | 495 |
| EPS in ₹ | 0.94 | 1.68 | 1.88 | 3.84 | 0.39 | -16.51 | 0.87 | -4.72 | 0.03 | 0.53 | 0.93 | 4.52 | 1.40 | 1.44 | 1.81 | 1.27 | 1.67 | 2.49 | 3.19 | 4.87 | 3.21 | 3.72 | 4.05 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 |
Jammu & Kashmir Bank
Jammu & Kashmir Bank
107.55
-1.04
(-0.96%)
Key Fundamentals
Market Cap
11,957.70 Cr
EPS
18.91
PE Ratio
5.66
Dividend Yield
2.00 %
Industry
Banks 52 Week High
117.25
52 Week Low
86.61
PB Ratio
0.91
Debt to Equity
0.00
Sector
Private Bank Analyst Rating and Forecast
- By Refinitiv from1 analysts
Actual
Company News
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Jammu and Kashmir Bank has issued a postal ballot notice to shareholders for two key resolutions. The first seeks approval for appointing Arun Gandotra as an Independent Director for a three-year term from August 26, 2025 to August 25, 2028. Gandotra, a former Executive President of the bank with 35 years of banking experience, was initially appointed as Additional Director in August 2025. The second resolution proposes fixing remuneration for the Non-Executive Part-Time Chairman at Rs 15 lakh per annum, plus sitting fees and expense reimbursements. The e-voting period runs from October 25, 2025 to November 23, 2025, with results to be announced by November 25, 2025. CA Arshad Hussain Mir has been appointed as scrutinizer for the postal ballot process.
Jammu and Kashmir Bank reported net profit of INR 494 crores for the quarter ended September 30, 2025, showing 1.9% sequential growth. The bank recorded deposit growth of 2.4% sequentially and 10.2% year-on-year, while advances grew 3.9% sequentially and 9.4% year-on-year. CASA ratio improved to 45.89% from 45.71% in the previous quarter, marking the first improvement after nine consecutive quarters. Net Interest Margin contracted to 3.56% from 3.90% in the same period last year due to repo rate cuts. The bank made impairment provisions of INR 92 crores this quarter and INR 87 crores in the previous quarter totaling INR 180 crores for its investment in Jammu and Kashmir Grameen Bank following merger with Ellaquai Dehati Bank. Gross NPA reduced to 3.32% while Net NPA stood at 0.76% with Provision Coverage Ratio above 90%. CRAR was recorded at 15.27% with CET1 at 12.11%. The bank revised its guidance for RoA to 1.20%-1.25% and RoE to 15%-16% for the financial year, maintaining credit growth guidance of 12% and deposit growth of 10%.
Jammu & Kashmir Bank announced its financial results for the quarter and half-year ended September 30, 2025. The bank reported a standalone net profit of Rs 494.11 crore for Q2 FY2026, compared to Rs 484.84 crore in the same quarter last year. For the half-year, net profit reached Rs 978.95 crore versus Rs 966.41 crore in the previous year. Total income for the quarter stood at Rs 3,446.71 crore. The bank's gross NPA ratio improved to 3.32% from 3.95% year-on-year, while net NPA ratio decreased to 0.76% from 0.85%. Capital adequacy ratio under Basel III stood at 15.27% with CET1 ratio at 12.11%. The bank paid Rs 139.62 crore to State Bank of India for their shareholding in Ellaquai Dehati Bank, which merged with J&K Grameen Bank. The results were approved by the Board of Directors on October 18, 2025.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,007.85 | #1 15,41,487.70 | 20.64 | #1 4,70,915.90 | 15.42 | #1 73,440 | 9.32 | 66.14 | |
1,370.40 | 9,73,686.30 | 17.19 | 2,94,586.90 | #1 24.81 | 54,419 | 2.96 | 44.77 | |
2,150.50 | 4,29,695.10 | 23.02 | 1,07,095.00 | 13.60 | 21,946 | -11.41 | 54.69 | |
1,248.80 | 3,86,687.00 | 14.82 | 1,55,916.90 | 12.99 | 28,112 | -25.14 | 66.75 | |
101.91 | 1,09,868.00 | 11.76 | 34,058.70 | 12.14 | 7,656 | #1 73.37 | 73.35 | |
22.69 | 71,306.00 | 25.22 | 37,075.60 | 12.48 | 2,447 | 17.24 | 57.48 | |
807.45 | 62,306.60 | #1 -82.91 | 56,358.10 | 2.20 | 2,575 | -132.82 | 69.62 | |
79.35 | 58,122.40 | 45.11 | 43,478.30 | 19.92 | 1,490 | 64.13 | 71.47 | |
234.91 | 58,008.00 | 14.27 | 32,030.20 | 19.60 | 4,202 | -8.27 | 81.34 | |
172.23 | 28,291.90 | 13.51 | 24,914.80 | 18.41 | 2,745 | -65.02 | 58.08 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
13.58 %
Net Income Growth
17.87 %
Cash Flow Change
419.41 %
ROE
1.10 %
ROCE
5.16 %
EBITDA Margin (Avg.)
0.66 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 76,065 | 80,254 | 82,012 | 89,684 | 1,01,405 | 1,08,829 | 1,20,273 | 1,30,576 | 1,45,913 | 1,54,505 | 1,69,424 |
| Fixed Assets | 655 | 706 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,126 |
| Current Assets | 5,685 | 8,962 | 9,381 | 12,075 | 10,018 | 19,035 | 20,378 | 24,204 | 26,400 | 23,435 | 21,926 |
| Capital Work in Progress | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 |
| Investments | 25,104 | 20,334 | 21,271 | 18,860 | 23,141 | 22,991 | 30,774 | 33,785 | 34,780 | 34,900 | 41,122 |
| Other Assets | 50,271 | 59,156 | 59,198 | 69,210 | 76,589 | 83,768 | 87,486 | 94,837 | 1,08,860 | 1,17,347 | 1,26,110 |
| Total Liabilities | 76,065 | 80,254 | 82,012 | 89,684 | 1,01,405 | 1,08,829 | 1,20,273 | 1,30,576 | 1,45,913 | 1,54,505 | 1,69,424 |
| Current Liabilities | 1,863 | 2,178 | 2,588 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | 11,097 | 4,662 | 4,271 |
| Non Current Liabilities | 74,201 | 78,076 | 79,425 | 87,791 | 98,883 | 1,06,151 | 1,16,865 | 1,25,151 | 1,34,816 | 1,49,842 | 1,65,153 |
| Total Equity | 6,108 | 6,421 | 5,673 | 6,158 | 6,622 | 6,346 | 6,802 | 8,077 | 9,896 | 12,193 | 14,208 |
| Reserve & Surplus | 6,060 | 6,372 | 5,621 | 6,102 | 6,566 | 6,275 | 6,731 | 7,890 | 9,793 | 12,083 | 14,098 |
| Share Capital | 49 | 49 | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 110 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -481 | -531 | 2,189 | 2,867 | -2,388 | 3,920 | -289 | -712 | 107 | -702 | 1,587 |
| Investing Activities | -261 | -136 | -861 | -164 | -165 | -115 | -76 | -85 | -124 | -257 | -102 |
| Operating Activities | 118 | -219 | 2,457 | 2,363 | -2,992 | 4,374 | -14 | -1,568 | -407 | -853 | 2,723 |
| Financing Activities | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 | -1,034 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Apr 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 68.18 % | 68.18 % | 70.12 % | 70.12 % | 70.12 % | 0.00 % | 68.03 % | 68.03 % | 68.03 % | 63.41 % | 63.41 % | 63.41 % | 59.40 % | 59.40 % | 59.40 % | 59.40 % | 59.40 % | 59.40 % | 59.40 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 2.61 % | 0.00 % | 6.99 % | 7.16 % | 6.46 % | 7.07 % | 7.64 % | 8.01 % |
| DIIs | 0.19 % | 0.22 % | 0.16 % | 0.23 % | 0.21 % | 0.00 % | 0.00 % | 2.12 % | 2.78 % | 2.66 % | 2.44 % | 4.92 % | 7.37 % | 8.15 % | 6.99 % | 6.66 % | 6.83 % | 6.70 % | 5.87 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 22.17 % | 22.96 % | 23.27 % | 23.67 % | 23.81 % | 0.00 % | 24.66 % | 23.70 % | 21.12 % | 26.20 % | 26.03 % | 23.54 % | 21.45 % | 20.32 % | 21.07 % | 21.94 % | 21.48 % | 21.06 % | 21.26 % |
| Others | 9.46 % | 8.64 % | 6.46 % | 5.99 % | 5.86 % | 100.00 % | 7.31 % | 6.16 % | 8.07 % | 7.73 % | 8.11 % | 5.52 % | 11.78 % | 5.14 % | 5.38 % | 5.54 % | 5.22 % | 5.20 % | 5.46 % |
| No of Share Holders | 1,42,214 | 1,74,468 | 1,72,856 | 1,84,254 | 1,92,588 | 1,92,589 | 1,95,935 | 1,89,535 | 1,69,558 | 1,72,074 | 1,72,171 | 1,88,609 | 1,88,609 | 2,15,294 | 2,54,645 | 2,78,050 | 2,82,743 | 2,80,187 | 2,65,968 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.5 | 2.15 | 2.15 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.37 | 2.33 | 1.98 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 17 Aug 2023 |  Dividend | ₹ 0.50 /share | 17 Aug 2023 | 59.53 | 79.20 |
| 11 Aug 2024 | Dividend | ₹ 2.15 /share | 09 Aug 2024 | 139.25 | 113.10 |
| 17 Aug 2024 |  Annual General Meeting | NA | 17 Aug 2024 | 106.18 | 109.30 |
| 25 Oct 2024 |  Quarterly Result Announcement | NA | 25 Oct 2024 | 99.35 | 93.85 |
| 20 Jan 2025 | Quarterly Result Announcement | NA | 20 Jan 2025 | 97.65 | 94.50 |
| 05 May 2025 | Quarterly Result Announcement | NA | 05 May 2025 | 113.23 | 94.12 |
| 25 Jul 2025 | Quarterly Result Announcement | NA | 25 Jul 2025 | 111.75 | 111.70 |
| 19 Aug 2025 | Dividend | ₹ 2.15 /share | 19 Aug 2025 | 94.12 | 106.05 |
| 26 Aug 2025 | Annual General Meeting | NA | 26 Aug 2025 | 111.70 | 102.91 |
| 18 Oct 2025 | Quarterly Result Announcement | NA | 18 Oct 2025 | 104.18 | 104.65 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
5 days ago
5 days agoShareholder Meeting / Postal Ballot-Notice of Postal Ballot6 days ago
6 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 18, 2025
Oct 18, 2025Related Party DisclosureOct 18, 2025
Oct 18, 2025Statement Of Deviation & VariationOct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 18, 2025
Oct 18, 2025Integrated FinancialsOct 18, 2025
Oct 18, 2025REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2025Oct 18, 2025
Oct 18, 2025Board Meeting Outcome for REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2025Oct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 09, 2025
Oct 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 09, 2025
Oct 09, 2025Board Meeting Intimation for Consideration Of Unaudited Financial Results (Consolidated And Standalone) Of The Bank For The Quarter And Half Year Ended 30Th September 2025Oct 07, 2025
Oct 07, 2025DISCLOSURE OF PROVISIONAL BUSINESS FIGURESOct 06, 2025
Oct 06, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 04, 2025
Oct 04, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 30, 2025
Sep 30, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sSep 28, 2025
Sep 28, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 15, 2025
Sep 15, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 10, 2025
Sep 10, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Aug 29, 2025FINANCIAL RESULTS OF THE BANK AUDITED BY COMPTROLLER & AUDITOR GENERAL OF INDIA FOR THE FINANCIAL YEAR ENDED 31ST MARCH 2025 (STANDALONE & CONSOLIDATED)Aug 27, 2025
Aug 27, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 27, 2025
Aug 27, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 27, 2025
Aug 27, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 27, 2025
Aug 27, 2025Reg. 34 (1) Annual Report.Aug 26, 2025
Aug 26, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 25, 2025
Aug 25, 2025Addendum To Annual Report 2024-2025Aug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 21, 2025
Aug 21, 2025Letter For Claiming Unclaimed Dividend(S) And Compliance With SEBI/IEPF RequirementsAug 19, 2025
Aug 19, 2025DISCLOSURE UNDER REGULATION 30 OF SEBI (LODR) REGULATIONS 2015Aug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 03, 2025
Aug 03, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 02, 2025
Aug 02, 2025Reg. 34 (1) Annual Report.Aug 02, 2025
Aug 02, 2025Notice Of 87Th Annual General Meeting Of The Bank And Cut - Off Date For E-Voting
Aug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 25, 2025
Jul 25, 2025Statement Of Deviation & VariationJul 25, 2025
Jul 25, 2025Integrated FinancialsJul 25, 2025
Jul 25, 2025Mutual Fund Holdings
WhiteOak Capital ELSS Tax Saver Fund Direct - Growth 
SBI Nifty Smallcap 250 Index Fund Direct - Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth 
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth 
HDFC Nifty Smallcap 250 Index Fund Direct-Growth 
Edelweiss Nifty Smallcap 250 Index Fund Direct - Growth 
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth 
Groww Nifty Smallcap 250 Index Fund Direct - Growth 
Bandhan Nifty Smallcap 250 Index Fund Direct-Growth 
Kotak BSE PSU Index Fund Direct-Growth 
Axis Nifty 500 Index Fund Direct-Growth 
Navi Nifty 500 Multicap 50:25:25 Index Fund Direct-Growth 
Angel One Nifty Total Market Index Fund Direct - Growth 
JM Small Cap Fund Direct - Growth 
Mahindra Manulife Value Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 58.64
ATR(14)
Volatile 2.82
STOCH(9,6)
Neutral 64.17
STOCH RSI(14)
Neutral 69.78
MACD(12,26)
Bullish 0.28
ADX(14)
Weak Trend 14.64
UO(9)
Bearish 42.93
ROC(12)
Uptrend And Accelerating 5.46
WillR(14)
Overbought -16.99
About Jammu & Kashmir Bank
Jammu and Kashmir Bank Limited is a Scheduled Commercial Bank founded in 1938, operating primarily in Jammu & Kashmir and Ladakh. It serves various customer segments including businesses, government employees, farmers, and corporate clients. The bank offers retail credit products, depository services, and third-party services. It has expanded its presence across India with 1004 branches, 1417 ATMs, and 152 Cash Recycler Machines in 18 states and 4 union territories as of March 31, 2024. J&K Bank is listed on NSE and BSE, and functions as an agency bank for the governments of Jammu & Kashmir and Ladakh. Its product range includes home finance, personal loans, education loans, agriculture lending, and consumer credit.
Website
Chairperson NameS Krishnan
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