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Jammu & Kashmir Bank

Jammu & Kashmir Bank

104.31
+0.26
(0.25%)
Market Cap
11,486.43 Cr
EPS
18.91
PE Ratio
5.33
Dividend Yield
2.07 %
Industry
Banks
52 Week High
117.25
52 Week Low
86.61
PB Ratio
0.88
Debt to Equity
0.00
Add Ratio
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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
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %

Company News

View All News
Caret
positive
J&K Bank CEO Presents Rs 130.7 Crore Dividend to UT AdministrationSep 06, 2025
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.
positive
Jammu and Kashmir Bank Reports 18% Jump in Net Profit to Rs 2,082 CroresAug 28, 2025
Jammu and Kashmir Bank delivered strong financial performance with net profit rising to Rs 2,082.46 crores from Rs 1,767.27 crores in the previous year. Total income increased to Rs 13,672.67 crores from Rs 12,037.85 crores. Asset quality improved with gross NPA ratio declining to 3.37% from 4.08%, while net NPA ratio remained stable at 0.79%. The bank's capital adequacy ratio strengthened to 16.29% from 15.33%. The provision coverage ratio improved to 90.287%. The bank proposed a dividend of Rs 2.15 per share and received an unmodified audit opinion. During the year, the bank identified 35 fresh fraud cases involving Rs 198.15 crores and transferred NPAs worth Rs 15.27 crores to asset reconstruction companies.
positive
Jammu and Kashmir Bank Re-appoints Two IAS Officers as Rotational DirectorsAug 27, 2025
Jammu and Kashmir Bank shareholders approved the re-appointment of Dr. Pawan Kotwal, IAS and Dr. Mandeep K Bhandari, IAS as Rotational Directors on the Bank's Board at the Annual General Meeting held on August 26, 2025. Dr. Kotwal is a 1994 batch IAS officer serving as Chief Secretary of UT of Ladakh, with previous experience as Principal Secretary for Health and Medical Education, Forest, Ecology and Environment, and Revenue departments. Dr. Bhandari is a 2001 AGMUT cadre IAS officer with MBBS qualification, currently serving as Principal Secretary to the Lieutenant Governor of UT of J&K and CEO of Amarnathji Shrine Board. Both directors bring over two decades of administrative experience across various government positions. Neither director is debarred from holding directorship positions and there are no inter-se relationships disclosed between the directors.
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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
HDFC Bank
976.85
#1 14,98,080.29
21.02
#1 4,70,915.90
15.42
#1 73,440
-0.57
44.31
ICICI Bank
1,422.20
10,14,743.39
19.16
2,94,586.90
#1 24.81
54,419
16.00
51.47
Kotak Bank
2,055.00
4,08,590.87
21.29
1,07,095.00
13.60
21,946
-39.96
58.33
Axis Bank
1,133.30
3,51,445.10
12.54
1,55,916.90
12.99
28,112
-2.90
68.47
IDBI Bank
92.50
99,459.72
12.63
34,058.70
12.14
7,656
16.37
53.74
Yes Bank
21.08
66,112.51
24.31
37,075.60
12.48
2,447
#1 56.72
67.90
Indusind Bank
735.60
57,307.35
57.05
56,358.10
2.20
2,575
-72.17
38.37
IDFC First Bank
71.95
52,761.73
40.58
43,478.30
19.92
1,490
-29.43
52.53
Federal Bank
198.45
48,778.58
#1 12.08
32,030.20
19.60
4,202
-9.24
51.04
Bandhan Bank
166.61
26,840.39
12.89
24,914.80
18.41
2,745
-65.02
42.62
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

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
Above figures are in Rs. Crores

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
Above figures are in Rs. Crores

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
Above figures are in Rs. Crores

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 2.07

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
17 Aug 2023 DIVIDEND Dividend
₹ 0.50 /share
 17 Aug 2023 59.53 79.20
11 Aug 2024 DIVIDEND Dividend
₹ 2.15 /share
 09 Aug 2024 139.25 113.10
17 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
 17 Aug 2024 106.18 109.30
25 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
 25 Oct 2024 99.35 93.85
20 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
 20 Jan 2025 97.65 94.50
05 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
 05 May 2025 113.23 94.12
25 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
 25 Jul 2025 111.75 111.70
19 Aug 2025 DIVIDEND Dividend
₹ 2.15 /share
 19 Aug 2025 94.12 106.05
26 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
 26 Aug 2025 111.70 102.91

Announcements

Announcement under Regulation 30 (LODR)-Credit Rating2 days ago
Announcement under Regulation 30 (LODR)-Credit Rating5 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication8 days ago
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
FINANCIAL RESULTS OF THE BANK AUDITED BY COMPTROLLER & AUDITOR GENERAL OF INDIA FOR THE FINANCIAL YEAR ENDED 31ST MARCH 2025 (STANDALONE & CONSOLIDATED)Aug 27, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 27, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 27, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 27, 2025
Reg. 34 (1) Annual Report.Aug 26, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 26, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateAug 26, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateAug 25, 2025
Addendum To Annual Report 2024-2025Aug 22, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 21, 2025
Letter For Claiming Unclaimed Dividend(S) And Compliance With SEBI/IEPF RequirementsAug 19, 2025
DISCLOSURE UNDER REGULATION 30 OF SEBI (LODR) REGULATIONS 2015Aug 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 08, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 03, 2025
Business Responsibility and Sustainability Reporting (BRSR)Aug 02, 2025
Reg. 34 (1) Annual Report.Aug 02, 2025
Notice Of 87Th Annual General Meeting Of The Bank And Cut - Off Date For E-Voting Aug 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 31, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 28, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 26, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 25, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 25, 2025
Statement Of Deviation & VariationJul 25, 2025
Integrated FinancialsJul 25, 2025
87Th AGM DateJul 25, 2025
Announcement under Regulation 30 (LODR)-Date of payment of DividendJul 25, 2025
Record Date For DividendJul 25, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 25, 2025
Board Meeting Outcome for Financial ResultsJul 25, 2025
REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE 2025Jul 25, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 23, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 17, 2025
Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Jul 17, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 17, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Board Meeting Intimation for Consideration Of Unaudited Financial Results (Consolidated And Standalone) Of The Bank For The Quarter Ended 30Th June 2025Jul 15, 2025
Disclosure Of Provisional Business FiguresJul 07, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025
GST DemandJul 04, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 27, 2025
Closure of Trading WindowJun 25, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotJun 23, 2025
Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportJun 23, 2025
GST DemandJun 10, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025

Technical Indicators

RSI(14)
Neutral
55.40
ATR(14)
Volatile
2.17
STOCH(9,6)
Neutral
54.37
STOCH RSI(14)
Overbought
100.00
MACD(12,26)
Bullish
0.46
ADX(14)
Weak Trend
22.99
UO(9)
Bearish
41.67
ROC(12)
Uptrend And Accelerating
3.86
WillR(14)
Overbought
-8.26
Bearish
2
Neutral
5
Bullish
2

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
21086
0.23%
0.23%
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
16204
-0.01%
-0.03%
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
6886
0.00%
-0.02%
SBI Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
6386
-0.01%
-0.02%
HDFC Nifty Smallcap 250 Index Fund Direct-Growth
0.23%
4935
-0.01%
-0.02%
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
3921
0.00%
-0.02%
Nippon India Nifty 500 Equal Weight Index Fund Direct-Growth
0.19%
-2664
0.00%
-0.02%
Edelweiss Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
2581
-0.01%
-0.02%
Motilal Oswal Nifty 500 Index Fund Direct - Growth
0.02%
1097
0.00%
0.00%
Bandhan Nifty Smallcap 250 Index Fund Direct-Growth
0.23%
792
-0.01%
-0.02%
Kotak Nifty Smallcap 250 Index Fund Direct-Growth
0.23%
697
-0.01%
-0.03%
Groww Nifty Smallcap 250 Index Fund Direct - Growth
0.23%
414
0.00%
-0.02%
Axis Nifty 500 Index Fund Direct-Growth
0.02%
357
0.00%
0.00%
HDFC Nifty500 Multicap 50:25:25 Index Fund Direct-Growth
0.06%
-301
0.00%
0.00%
Groww Nifty Total Market Index Fund Direct - Growth
0.02%
122
0.00%
0.00%
SBI Nifty 500 Index Fund Direct-Growth
0.02%
96
0.00%
-0.01%
ICICI Prudential Nifty 500 Index Fund Direct-Growth
0.02%
84
0.00%
0.00%
Angel One Nifty Total Market Index Fund Direct - Growth
0.02%
74
0.00%
0.00%
HDFC BSE 500 Index Fund Direct - Growth
0.02%
44
0.00%
-0.01%
Kotak BSE PSU Index Fund Direct-Growth
0.23%
43
-0.01%
-0.02%
Bandhan Nifty Total Market Index Fund Direct-Growth
0.02%
37
0.00%
-0.01%
Navi Nifty 500 Multicap 50:25:25 Index Fund Direct-Growth
0.06%
16
0.00%
0.00%
Mirae Asset Nifty Total Market Index Fund Direct-Growth
0.02%
15
0.00%
0.00%
Baroda BNP Paribas Aggressive Hybrid Fund Direct - Growth
0.00%
0
0.00%
0.00%
Kotak Multicap Fund Direct - Growth
1.51%
0
-0.11%
-0.29%

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
https://www.jkbank.com
Chairperson NameS Krishnan
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About Scanx

We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.

Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.

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Part of Raise Financial Services

Registered Office: Unit No. 2201, 22nd Floor, Gold Medal Avenue, S.V. Road, Beside Patel Petrol Pump, Piramal Nagar, Goregaon West, Mumbai - 400104