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India
Reported ownership for FY2027-Q1 as of 2026-06-30.
As of 23 Oct 2026, 03:30 pm
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Recent drawdown or price variability is materially high and may lead to larger short-term outcomes.
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Downward price movement of 2.53 standard deviations recorded on 2026-10-23.
Unusual market activity that may warrant review of the underlying price, volume, or news context.
Trading volume was unusually high, but the closing price did not show a clear directional move.
This indicates increased participation without a clear directional signal.
Latest complete financial results for Q1 FY2027 and comparative quarterly trends.
| Metric | Q1 FY2026-27(Latest) | Q4 FY2025-26 | Q3 FY2025-26 | Q2 FY2025-26 | Q1 FY2025-26 |
|---|---|---|---|---|---|
| Income | ₹3,764.96 crore | PEAK₹14,101.38 crore | ₹3,596.86 crore | ₹3,450.26 crore | ₹3,522.65 crore |
| Interest Earned | ₹3,547.48 crore | PEAK₹13,150.73 crore | ₹3,314.94 crore | ₹3,293 crore | ₹3,269.45 crore |
| Other Income | ₹217.48 crore | PEAK₹950.65 crore | ₹281.92 crore | ₹157.26 crore | ₹253.20 crore |
| Revenue On Investments | ₹722.36 crore | PEAK₹2,921.62 crore | ₹745.93 crore | ₹767.03 crore | ₹723.30 crore |
| Expenditure Excluding Provisions And Contingencies | ₹3,060.13 crore | PEAK₹11,109.19 crore | ₹2,815.47 crore | ₹2,826.51 crore | ₹2,848.20 crore |
| Operating Expenses | ₹1,011.43 crore | PEAK₹3,840.57 crore | ₹991.12 crore | ₹968.88 crore | ₹1,045.56 crore |
In the quarter ended 30 June 2026, Jammu & Kashmir Bank’s total income rose 6.9% from a year earlier, led by higher interest earnings. However, net profit fell 12.5% as a sharp increase in provisions and contingencies outpaced a modest rise in operating profit. Asset quality improved further, and the capital ratio strengthened.
Total income was ₹3,764.96 crore, compared with ₹3,522.65 crore in the same quarter last year. Interest earned, the largest component, increased 8.5% to ₹3,547.48 crore. Within interest earned, interest on advances stood at ₹2,685.10 crore, while revenue on investments was ₹722.36 crore – little changed from ₹723.30 crore a year ago.
Other income declined 14.1% to ₹217.48 crore, partially offsetting the gain from interest income.
Expenditure excluding provisions and contingencies totalled ₹3,060.13 crore, up 7.4% from ₹2,848.20 crore a year earlier. Interest expended rose 13.7% to ₹2,048.70 crore, making it the largest single expense. Employee cost edged down 1.5% to ₹653.22 crore, and other operating expenses fell 6.4% to ₹358.21 crore.
Gross non‑performing assets (GNPA) fell to ₹3,088.94 crore from ₹3,638.19 crore a year ago, a reduction of 15.1%. The GNPA ratio improved to 2.37% from 3.5%, and also edged down from 2.5% in the preceding quarter.
The bank’s CET1 ratio rose to 13.75% from 12.7% a year earlier. Return on assets (annualised) decreased to 0.87% from 1.17%, reflecting the lower net profit relative to the asset base.
Segment revenue from operations matched total income at ₹3,764.96 crore. Segment profit before tax was ₹428.80 crore, compared with ₹486.00 crore in the year‑ago period – a decline of 11.8%. The difference between segment profit and the total profit before tax of ₹620.80 crore is consistent with unallocated items in the segment reporting.
Revenue growth from lending activities was offset by a steep increase in provisions and a notable rise in interest expenses, leading to a 12.5% fall in net profit. Asset quality continued to improve and the CET1 ratio strengthened. However, the jump in provisions, even as NPAs declined, weighed significantly on profitability compared with the same quarter last year.
Exchange disclosures and regulatory announcements for Jammu & Kashmir Bank.
The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication |SUBJECT: Copy of Newspaper Publication
The Jammu & Kashmir Bank Limited’s Board of Directors, in a meeting held on October 22, 2026, approved the Reviewed Financial Results (Standalone and Consolidated) for the quarter and half-year ended September 30, 2026. The results reflect an accounting policy change effective April 1, 2026, regarding Priority Sector Lending Certificates (PSLCs), which increased Profit After Tax by ₹7.53 crore for the half-year. Additionally, the bank recognized prior period investment appreciation of ₹28.88 crore in Other Income and transferred ₹263.63 crore from the Investment Fluctuation Reserve to General Reserve per RBI circular dated May 18, 2026. The Independent Auditors issued unmodified review reports, noting that Pillar 3 Basel III disclosures were disclosed on the bank's website but not reviewed.
The Jammu & Kashmir Bank Limited submitted its Integrated Financial Results (Standalone and Consolidated) for the quarter and half-year ended September 30, 2026, to the NSE on October 22, 2026. The Board of Directors approved the results during a meeting held on that date. Key financial highlights include Standalone Net Profit after Tax of ₹970.54 crore for the quarter and ₹1,891.17 crore for the half-year. The Bank reported an increase in Profit After Tax of ₹37.53 crore for the half-year due to a change in accounting policy for Priority Sector Lending Certificates effective April 1, 2026. Additionally, the Bank transferred ₹263.63 crore from the Investment Fluctuation Reserve to the General Reserve following an RBI circular dated May 18, 2026.
The Jammu & Kashmir Bank Limited disclosed consolidated related party transactions for the half-year ended 30 September 2026 (1 April–30 September 2026), pursuant to Regulation 23(9) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing reports total transactions of ₹82.51 crore, including ₹76.93 crore of interest paid to Kashmir Grameen Bank on deposits and ₹0.29 crore of interest received on its secured overdraft facility. It also lists payments to directors and officers, including variable pay relating to previous financial years.
The Jammu & Kashmir Bank Limited submitted a Statement of Deviation(s) or Variation(s) under Regulation 32 of the SEBI (LODR) Regulations, 2015, to the NSE and BSE on October 22, 2026. The filing confirms that there is no deviation in the utilization of funds raised by the Bank for the specified objects.
The Jammu & Kashmir Bank Limited reported reviewed financial results for the quarter and half-year ended September 30, 2026, following Board approval on October 22, 2026. The Bank’s net profit rose 28.8% quarter-on-quarter and 10.6% year-on-year to Rs 546.36 Cr. Total business grew 19.38% YoY to Rs 3,10,347 Cr, driven by a 23.72% increase in gross advances to Rs 1,33,551 Cr and a 16.30% rise in total deposits to Rs 1,76,796 Cr. Asset quality metrics reached decadal bests, with the Gross NPA ratio declining to 2.23% and the Net NPA ratio improving to 0.51%. The Capital Adequacy Ratio (CRAR) stood at 16.57% as of September 30, 2026.
The Jammu & Kashmir Bank Limited submitted a presentation to the NSE on October 22, 2026, for a conference call with analysts and investors regarding its Reviewed Financial Results for the Quarter and Half Year ended September 30, 2026. The filing discloses that Net Profit for Q2 FY2027 rose 10.6% year-on-year to ₹546 crore, while Total Business grew 19.4% to ₹3,10,347 crore. Asset quality improved significantly with Gross NPA declining to 2.23% from 3.32% YoY, supported by a Provision Coverage Ratio of 91.76%. Capital adequacy remained strong with CET-1 at 16.57% and Tier I at 14.73%.
Integrated Filing- Financials|Original|
Recent market and company developments associated with Jammu & Kashmir Bank.
J&K Bank posts 28.8% QoQ net profit rise to ₹546 crore; asset quality improves, NII up, deposits and advances growth, Vision 2030 goals.
Earnings growth and asset quality gains drive profit; other income more than doubles y-o-y
Jammu & Kashmir Bank (J&K Bank) reported a 10.6% year-on-year increase in consolidated net profit to ₹547.30 crore for the quarter ended September 30, 2026. Total income for the quarter also rose, reflecting improved financial performance.
MetLife International will raise its stake in PNB MetLife by 0.5% to 50.23% through a purchase from Jammu & Kashmir Bank, with CCI clearing it under the green channel. CCI is also examining Bain Capitals investment in Millennia Realtors and the RMZ group.
Shares of Jammu and Kashmir Bank Ltd ended at ₹145.95, down by ₹0.80, or 0.55%, on the BSE.
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India's microfinance sector contracted in the first quarter after a previous rebound. Uneven monsoon progress weighed on rural demand and lender caution grew. The sector's portfolio shrank four percent to ₹3.26 lakh crore by June end. Business usually slows during this period, but rainfall added concerns. Lenders remain cautious about growing loans due to uncertain patterns.
Comprehensive Section Breakdown for Jammu & Kashmir Bank
Strategic Vision: Scheduled commercial bank serving diverse customer segments across India.
• Exclusive agent for banking business for the UT Governments of Jammu & Kashmir and Ladakh.
• Dominant position in the Union Territories of Jammu & Kashmir and Ladakh.
• Sponsorship of Jammu and Kashmir Grameen Bank.
Operating profit before provisions and contingencies was ₹704.83 crore, a 4.5% increase from ₹674.45 crore last year. Profit before tax fell 5.9% to ₹620.80 crore, and net profit after tax declined 12.5% to ₹425.32 crore.
The divergence between operating profit and pre‑tax profit points to a substantial rise in provisions. In the year‑ago quarter, provisions (operating profit minus profit before tax) amounted to ₹15.09 crore. In the current quarter they were ₹84.03 crore – more than a fivefold increase.
Net interest income (interest earned minus interest expended) was ₹1,498.78 crore, up 2.2% from ₹1,466.81 crore a year earlier, as the absolute increase in interest earned exceeded the rise in interest expended.
Category: Financial Services
Offers a range of credit products including personal, car, housing, and gold loans.
Category: Financial Services
Provides loans for working capital needs to businesses.
Category: Financial Services
Offers credit facilities for the agriculture sector.
Category: Financial Services
Provides credit solutions for trade activities.
Category: Financial Services
Engages in lending to individual consumers.
Category: Financial Services
Offers depository services through its subsidiary, JKB Financial Services Limited.
Category: Financial Services
Provides stock broking services via its subsidiary, JKB Financial Services Limited.
Category: Financial Services
Distributes mutual funds through its subsidiary, JKB Financial Services Limited.
Category: Financial Services
Partners with life and non-life insurance companies to offer products to customers.
Key Products & Services: PNB MetLife India Insurance Company Limited • Life Insurance Corporation of India (LIC) • Bajaj Life Insurance Limited (BLIL) • Bajaj General Insurance Limited (BGIL) • IFFCO Tokio General Insurance Company Limited • New India Assurance Company Limited
Core Thesis: The bank leverages its extensive network and agent status to foster financial empowerment and build enduring relationships.
• Agent for UT Governments: Designated by RBI as the exclusive agent for banking business for the UT Governments of Jammu & Kashmir and Ladakh. • Diverse Customer Service: Serves a wide array of customer segments including businesses, government employees, farmers, artisans, and corporate clients. • Comprehensive Banking Network: Operates a network of branches, Ultra Small Branches, ATMs, and CRMs across 18 states and 4 Union Territories. • Financial Empowerment: Guided by its motto 'Serving to Empower,' the bank aims to promote inclusive banking and build customer relationships.