Jammu & Kashmir Bank Limited has submitted its quarterly compliance certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026. The bank fulfilled its regulatory obligations by filing the required documentation with stock exchanges through its registrar and share transfer agent.

Regulatory Compliance Filing

The bank's Company Secretary, Mohammad Shafi Mir, submitted the compliance certificate dated April 4, 2026, to both the National Stock Exchange of India Limited and BSE Limited. The filing was made pursuant to Regulation 74(5) of the SEBI (DP) Regulations, 2018, which mandates quarterly compliance reporting.

Registrar Certification

Bigshare Services Pvt. Ltd., serving as the bank's Registrar, Share Transfer and Depository Services agent, issued the compliance certificate on April 3, 2026. The certificate was signed by Akash Shamal, Authorised Signatory of Bigshare Services.

The registrar certified that details of securities dematerialized and rematerialized during the quarter ended March 31, 2026, have been furnished to all stock exchanges where the company's shares are listed, as required under SEBI regulations.

Stock Exchange Submissions

The compliance certificates were submitted to major depositories and stock exchanges where Jammu & Kashmir Bank shares are traded:

• Central Depository Services (India) Limited (CDSL) - Marathon Futurex, Mumbai
• National Securities Depository Limited (NSDL) - Trade World, Mumbai
• National Stock Exchange - Symbol: J&KBANK
• BSE Limited - Scrip Code: 532209

Documentation Process

The compliance process involved coordination between the bank's Board Secretariat at its Corporate Head Quarter in Srinagar and Bigshare Services. The certificates confirm adherence to SEBI's depositories regulations, ensuring transparency in the dematerialization and rematerialization of the bank's securities during the reporting quarter.

This quarterly filing demonstrates Jammu & Kashmir Bank's commitment to maintaining regulatory compliance and providing necessary disclosures to market participants and regulatory authorities.

Jammu & Kashmir Bank has reported strong provisional business figures for FY26, demonstrating robust growth across multiple key performance indicators. The bank disclosed these figures in compliance with SEBI regulations, highlighting significant expansion in its core banking operations.

Strong Overall Business Performance

The bank's total business reached ₹290,340.57 crores as of March 31, 2026, marking a substantial 13.61% year-on-year growth from ₹255,554.95 crores in the previous fiscal year. This growth trajectory reflects the bank's expanding market presence and operational efficiency.

Impressive Growth in Lending Portfolio

Gross advances showed particularly strong performance, growing by 16.83% to reach ₹124,986.53 crores (Rs 1.25 trillion) compared to ₹106,985.49 crores (Rs 1.07 trillion) in the previous year. This significant expansion in the lending portfolio indicates increased credit demand and the bank's enhanced lending capabilities.

Steady Deposit Growth and CASA Performance

Total deposits increased by 11.30% to ₹165,354.04 crores (Rs 1.65 trillion) from ₹148,569.46 crores (Rs 1.49 trillion) in FY25. The bank's CASA (Current Account Savings Account) deposits grew by 8.07% to ₹75,478.40 crores, demonstrating improved customer acquisition and retention in low-cost deposit segments.

Investment Portfolio Shows Minor Decline

Gross investments experienced a marginal decline of 1.55%, decreasing to ₹41,319.50 crores from ₹41,970.20 crores in the previous fiscal year. This represents the only metric showing negative growth among the reported figures.

Regulatory Compliance and Transparency

The bank submitted these provisional figures to both the National Stock Exchange and BSE in accordance with SEBI listing obligations and disclosure requirements. The figures are subject to audit and represent the bank's commitment to transparent financial reporting and regulatory compliance.