| 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 |
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 |
| 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 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Jammu & Kashmir Bank
Jammu & Kashmir Bank
101.05
+0.93
(0.93%)
Market Cap
11,127.45 Cr
EPS
18.91
PE Ratio
5.14
Dividend Yield
2.15 %
Industry
Banks52 Week High
117.25
52 Week Low
86.61
PB Ratio
0.85
Debt to Equity
0.00
Sector
Private Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from1 analysts
Company News
View All News
Jammu and Kashmir Bank CEO Amitava Chatterjee presented dividend cheques totaling Rs 130.77 crore to the Union Territory administration for financial year 2024-25. The payment consisted of two cheques worth Rs 122.85 crore and Rs 7.92 crore, handed over to Lieutenant Governor Manoj Sinha at Raj Bhawan. The dividend represents a 215 percent payout approved at the bank's 87th Annual General Meeting. The UT administration serves as the bank's promoter and major shareholder. Lieutenant Governor Sinha noted the bank's transformation from a Rs 1,139 crore loss in 2019-20 to a Rs 1,700 crore profit in 2023-24. He emphasized the bank's role in financial inclusion and supporting small enterprises. Chatterjee reaffirmed the bank's commitment to banking services and contributing to Mission YUVA for economic growth across the Union Territory.
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 |
|---|---|---|---|---|---|---|---|---|
963.40 | #1 14,77,453.60 | 20.91 | #1 4,70,915.90 | 15.42 | #1 73,440 | -0.57 | 40.15 | |
1,402.80 | 10,00,901.44 | 18.98 | 2,94,586.90 | #1 24.81 | 54,419 | 16.00 | 40.83 | |
1,945.50 | 3,86,819.24 | 20.25 | 1,07,095.00 | 13.60 | 21,946 | -39.96 | 39.36 | |
1,055.90 | 3,27,442.76 | 11.69 | 1,55,916.90 | 12.99 | 28,112 | -2.90 | 36.13 | |
88.87 | 95,556.60 | 12.13 | 34,058.70 | 12.14 | 7,656 | 16.37 | 45.01 | |
20.44 | 64,105.30 | 23.31 | 37,075.60 | 12.48 | 2,447 | #1 56.72 | 63.61 | |
757.05 | 58,978.42 | 58.27 | 56,358.10 | 2.20 | 2,575 | -72.17 | 40.72 | |
72.60 | 53,238.38 | 40.82 | 43,478.30 | 19.92 | 1,490 | -29.43 | 59.53 | |
190.52 | 46,829.40 | #1 11.52 | 32,030.20 | 19.60 | 4,202 | -9.24 | 29.34 | |
163.34 | 26,313.61 | 12.74 | 24,914.80 | 18.41 | 2,745 | -65.02 | 40.66 |
Forecast
Actual
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
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 | 2.13 |
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 |
Announcements
Shareholder Meeting / Postal Ballot-Outcome of AGM
9 days ago
9 days agoFINANCIAL RESULTS OF THE BANK AUDITED BY COMPTROLLER & AUDITOR GENERAL OF INDIA FOR THE FINANCIAL YEAR ENDED 31ST MARCH 2025 (STANDALONE & CONSOLIDATED)10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Change in Management10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Change in Management10 days ago
10 days agoShareholder Meeting / Postal Ballot-Scrutinizers Report10 days ago
10 days agoReg. 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, 202587Th AGM DateJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Date of payment of DividendJul 25, 2025
Jul 25, 2025Record Date For DividendJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 25, 2025
Jul 25, 2025Board Meeting Outcome for Financial ResultsJul 25, 2025
Jul 25, 2025REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE 2025Jul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 17, 2025
Jul 17, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Jul 17, 2025
Jul 17, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 17, 2025
Jul 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Jul 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Jul 16, 2025Board Meeting Intimation for Consideration Of Unaudited Financial Results (Consolidated And Standalone) Of The Bank For The Quarter Ended 30Th June 2025Jul 15, 2025
Jul 15, 2025Disclosure Of Provisional Business FiguresJul 07, 2025
Jul 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025
Jul 07, 2025GST DemandJul 04, 2025
Jul 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 27, 2025
Jun 27, 2025Closure of Trading WindowJun 25, 2025
Jun 25, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotJun 23, 2025
Jun 23, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportJun 23, 2025
Jun 23, 2025GST DemandJun 10, 2025
Jun 10, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 23, 2025
May 23, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotMay 22, 2025
May 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 09, 2025
May 09, 2025Technical Indicators
RSI(14)
Neutral 43.29
ATR(14)
Less Volatile 2.42
STOCH(9,6)
Neutral 38.12
STOCH RSI(14)
Neutral 61.91
MACD(12,26)
Bullish 0.03
ADX(14)
Strong Trend 30.58
UO(9)
Bearish 40.83
ROC(12)
Downtrend And Accelerating -3.84
WillR(14)
Neutral -66.71
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Bandhan Nifty Smallcap 250 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 
Mirae Asset Nifty Total Market Index Fund Direct-Growth 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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