| 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 |
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 |
| 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 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Jammu & Kashmir Bank
116.72
+0.87
(0.75%)
Market Cap
12,853.00 Cr
EPS
16.80
PE Ratio
6.17
Dividend Yield
1.84 %
Industry
Banks52 Week High
123.70
52 Week Low
86.61
PB Ratio
0.99
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
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 |
|---|---|---|---|---|---|---|---|---|
2,012.10 | #1 15,42,860.90 | 21.79 | #1 4,07,994.80 | #1 99.35 | #1 65,447 | 7.06 | 63.67 | |
1,432.00 | 10,21,735.70 | 20.03 | 2,36,037.70 | 26.78 | 45,007 | 17.65 | 50.29 | |
2,183.60 | 4,34,160.10 | 22.56 | 94,273.90 | 38.35 | 17,977 | -7.58 | 57.27 | |
1,173.30 | 3,63,849.40 | 12.97 | 1,55,916.90 | 12.99 | 28,112 | -1.59 | 40.30 | |
104.85 | 1,12,738.90 | 14.77 | 34,058.70 | 12.14 | 7,656 | 25.26 | 70.79 | |
879.10 | 68,486.80 | 26.60 | 55,144.00 | 23.81 | 8,977 | -199.14 | 66.25 | |
20.43 | 64,073.90 | 26.21 | 32,960.90 | 23.98 | 1,285 | 59.32 | 52.68 | |
77.24 | 56,640.90 | 38.05 | 36,256.80 | 33.32 | 2,942 | -59.61 | 76.41 | |
218.72 | 53,760.90 | 12.92 | 26,782.00 | 32.27 | 3,928 | 12.48 | 68.71 | |
187.19 | 30,155.80 | #1 10.98 | 21,034.20 | 14.48 | 2,230 | #1 482.23 | 63.22 |
Forecast
Actual
Growth Rate
Revenue Growth
19.07 %
Net Income Growth
47.66 %
Cash Flow Change
-109.40 %
ROE
19.90 %
ROCE
23.97 %
EBITDA Margin (Avg.)
10.39 %
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 | 43,314 |
| Fixed Assets | 655 | 706 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,192 |
| Current Assets | 5,685 | 8,962 | 9,381 | 12,075 | 10,018 | 19,035 | 20,378 | 24,204 | 26,400 | 23,435 | 0 |
| Capital Work in Progress | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 0 |
| 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 | 0 |
| 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 | 43,314 |
| Current Liabilities | 1,863 | 2,178 | 2,588 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | 11,097 | 4,664 | 0 |
| 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 | 1,49,841 | 29,326 |
| 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 |
| Net Cash Flow | -481 | -531 | 2,189 | 2,867 | -2,388 | 3,920 | -289 | -712 | 107 | -702 |
| Investing Activities | -261 | -136 | -861 | -164 | -165 | -115 | -76 | -85 | -124 | -257 |
| Operating Activities | 118 | -219 | 2,457 | 2,363 | -2,992 | 4,374 | -14 | -1,568 | -407 | -853 |
| Financing Activities | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 |
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.37 | 2.33 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 05 May 2025 |  Quarterly Result Announcement | NA | 05 May 2025 | 113.23 | 94.12 |
| 20 Jan 2025 | Quarterly Result Announcement | NA | 20 Jan 2025 | 97.65 | 94.50 |
| 25 Oct 2024 | Quarterly Result Announcement | NA | 25 Oct 2024 | 99.35 | 93.85 |
| 17 Aug 2024 |  Annual General Meeting | NA | 17 Aug 2024 | 106.18 | 109.30 |
| 11 Aug 2024 |  Dividend | ₹ 2.15 /share | 09 Aug 2024 | 139.25 | 113.10 |
| 17 Aug 2023 | Dividend | ₹ 0.50 /share | 17 Aug 2023 | 59.53 | 79.20 |
Announcements
Announcement under Regulation 30 (LODR)-Change in Management
4 days ago
4 days agoClosure of Trading Window6 days ago
6 days agoShareholder Meeting / Postal Ballot-Outcome of Postal_Ballot8 days ago
8 days ago Shareholder Meeting / Postal Ballot-Scrutinizer"s Report8 days ago
8 days agoGST 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, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 06, 2025
May 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 06, 2025
May 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 06, 2025
May 06, 2025AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH 2025May 06, 2025
May 06, 2025Disclosure Under SEBI Circular No. SEBI/HO/DDHS/DDHS-RACPOD1/P/CIR/2023/172 Dated October 19 2023 Issued W.R.T. Ease Of Doing Business And Development Of Corporate Bond Markets Revision In The Framework For Fund Raising By Issuance Of Debt SecuritiesMay 05, 2025
May 05, 2025Statement Of Deviation & VariationMay 05, 2025
May 05, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 05, 2025
May 05, 2025Related Party DisclosureMay 05, 2025
May 05, 2025Announcement under Regulation 30 (LODR)-Dividend UpdatesMay 05, 2025
May 05, 2025Integrated Filing (Financial)May 05, 2025
May 05, 2025Declaration Of DividendMay 05, 2025
May 05, 2025Board Meeting Outcome for AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH 2025May 05, 2025
May 05, 2025Board Meeting Outcome for AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH 2025May 05, 2025
May 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 25, 2025
Apr 25, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotApr 25, 2025
Apr 25, 2025Announcement under Regulation 30 (LODR)-Dividend UpdatesApr 23, 2025
Apr 23, 2025Board Meeting Intimation for CONSIDERATION OF AUDITED STANDALONE AND CONSOLIDATED FINANCIAL RESULTS OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH 2025/DIVIDENDApr 23, 2025
Apr 23, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportApr 19, 2025
Apr 19, 2025Order Of Honble High CourtApr 09, 2025
Apr 09, 2025FUND RAISING BY ISSUANCE OF DEBT SECURITIES BY LARGE ENTITIESApr 07, 2025
Apr 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 07, 2025
Apr 07, 2025Disclosure Of Provisional Business FiguresApr 04, 2025
Apr 04, 2025Closure of Trading WindowMar 26, 2025
Mar 26, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 26, 2025
Mar 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMar 20, 2025
Mar 20, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotMar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateFeb 28, 2025
Feb 28, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Feb 25, 2025
Feb 25, 2025GST DemandFeb 05, 2025
Feb 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 25, 2025
Jan 25, 2025Penalty Imposed By RBIJan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 21, 2025
Jan 21, 2025Integrated Filing (Financial)Jan 21, 2025
Jan 21, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 21, 2025
Jan 21, 2025APPOINTMENT OF ADDITIONAL DIRECTOR ON THE BOARD OF THE BANK BY RESERVE BANK OF INDIA UNDER SECTION 36AB OF THE BANKING REGULATION ACT 1949Jan 20, 2025
Jan 20, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJan 20, 2025
Jan 20, 2025Statement Of Deviation Or VariationJan 20, 2025
Jan 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 20, 2025
Jan 20, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 20, 2025
Jan 20, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJan 20, 2025
Jan 20, 2025Board Meeting Outcome for REVIEWED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND NONE MONTHS ENDED 31ST DECEMBER 2024Jan 20, 2025
Jan 20, 2025Technical Indicators
RSI(14)
Neutral 69.02
ATR(14)
Volatile 4.05
STOCH(9,6)
Overbought 83.26
STOCH RSI(14)
Overbought 91.60
MACD(12,26)
Bullish 1.00
ADX(14)
Strong Trend 25.23
UO(9)
Bearish 60.46
ROC(12)
Uptrend And Accelerating 11.37
WillR(14)
Overbought -3.15
Mutual Fund Holdings
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Bandhan Nifty Smallcap 250 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.
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