# J&KBANK (J&KBANK) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/j&kbank

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹146.35
- Change: -0.63%
- As of: 2026-09-18
- 1D return: -0.48%
- 5D return: +0.56%
- 1M return: -1.09%
- Latest complete quarter: fy27_q1

## Faxioms Analysis

_As of 2026-09-18_

### Technical Outlook

As of September 18, 2026, J&KBANK is trading at ₹146.58, with a technical stance that shows mixed signals across different timeframes. The daily timeframe indicates a bearish trend, with the price below key moving averages like the 20-day EMA (₹148.57) and 50-day SMA (₹158.68), and the Supertrend indicator also showing bearish. This is contrasted by the monthly timeframe, which exhibits a bullish trend, with the price above the 20-day EMA (₹123.47) and Supertrend (₹110.03), supported by strong ADX readings. The weekly timeframe presents a more neutral to slightly bullish picture, with the price above the 50-day EMA (₹134.66) and Supertrend (₹141.87), though below the 20-day EMA (₹149.77).

Key support is observed around ₹145.63 (0.65% below current price), with further levels at ₹143.98 and ₹143.40. Resistance is noted near ₹148.10 (1.04% above current price), followed by ₹149.75 and ₹152.22. The stock's current position is within its 20-day range, approximately 34% of the way up, but closer to the lower end of its 252-day range at 47%.

Recent market activity shows one positive attention event and one overall market event in the last 30 days, with no downside events. The stock has an annualized volatility of 40% and a current drawdown of -24%. Key watch conditions include monitoring the price action around the ₹148.10 resistance level and the ₹145.63 support level. A sustained move above resistance could signal strengthening momentum, while a break below support might indicate further downside pressure.

- Current price on September 18, 2026: ₹146.58.
- Daily trend is bearish; monthly trend is bullish; weekly trend shows mixed signals.
- Nearest support level: ₹145.63.
- Nearest resistance level: ₹148.10.
- Watch for price movement around ₹148.10 (resistance) and ₹145.63 (support).

- Doji
- Harami
- Bearish Engulfing Reversal
- Evening Star

### What Changed

As of September 18, 2026, Jammu & Kashmir Bank (J&KBANK) on the NSE experienced a minor price decrease, closing at ₹146.58 compared to its previous price of ₹147.28. No new filings or significant news directly impacting J&KBANK were reported in the recent period. A news item noted that Capitalmind Flexi Cap Fund made several portfolio changes in August, including adding and exiting stocks, but J&KBANK was not mentioned in relation to these specific fund activities. The bank's operational context remains unchanged, with no new developments reported in filings or news that alter its previously established profile.

- On September 18, 2026, J&KBANK's closing price was ₹146.58, down from ₹147.28.
- No new corporate filings were reported for J&KBANK.
- A news report from August detailed portfolio adjustments by Capitalmind Flexi Cap Fund, which did not include J&KBANK.
- The common name remains Jammu & Kashmir Bank, listed on the NSE.

- Capitalmind Flexi Cap Fund adds Divi’s Laboratories, Bajaj Auto and 3 other stocks in August

### Official Filings

The Jammu & Kashmir Bank Limited has made several disclosures regarding its upcoming Annual General Meeting (AGM) and changes in its leadership. The bank has scheduled its 88th AGM for September 22, 2026, and has issued an addendum to the notice for this meeting. In terms of leadership, Mr. Tsewang Tharchin was appointed as a Non-Executive Non-Independent Director on August 31, 2026. This appointment is for a one-month term and is subject to shareholder approval. Mr. Tharchin, an Indian Audit and Accounts Service officer, brings experience from government audit and international organizations. Concurrently, on the same date, General Managers Mr. Rakesh Koul and Mr. Syed Rais Maqbool retired from their positions as Senior Management Personnel due to superannuation. Additionally, India Ratings and Research affirmed the bank's Long-term Issuer rating of IND AA- with a Stable outlook on August 20, 2026. The rating agency also affirmed the IND AA-/Stable rating for the bank's Basel III Compliant Tier II bonds, noting a reduced issue size of ₹25,000 million from an original ₹35,000 million.

- The 88th Annual General Meeting of The Jammu & Kashmir Bank Limited is scheduled for September 22, 2026.
- Mr. Tsewang Tharchin was appointed as a Non-Executive Non-Independent Director on August 31, 2026, for a one-month term, pending shareholder approval.
- General Managers Mr. Rakesh Koul and Mr. Syed Rais Maqbool retired as Senior Management Personnel effective August 31, 2026.
- India Ratings and Research affirmed the bank's Long-term Issuer rating as IND AA- with a Stable outlook on August 20, 2026.
- The rating for the bank's Basel III Compliant Tier II bonds was affirmed at IND AA-/Stable, with the issue size reduced to ₹25,000 million.

- The Jammu & Kashmir Bank Limited has informed the Exchange about Addendum to the Notice of 88th Annual General Meeting of the Bank |SUBJECT: Addendum
- JAMMU AND KASHMIR BANK LIMITED has informed the Exchange about Notice of Shareholders Meeting for Annual General Meeting to be held on 22-Sep-2026 |SUBJECT: Notice Of Shareholders Meetings-XBRL
- The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication |SUBJECT: Copy of Newspaper Publication
- The Jammu & Kashmir Bank Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating
- THE JAMMU & KASHMIR BANK LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
- JAMMU AND KASHMIR BANK LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
- The Jammu & Kashmir Bank Limited has informed the Exchange regarding Appointment of Mr. Tsewang Tharchin as Non- Executive Director of the company w.e.f. August 31, 2026. |SUBJECT: Appointment
- The Jammu & Kashmir Bank Limited has informed the Exchange about Retirement of Mr. Rakesh Koul and Mr. Syed Rais Maqbool |SUBJECT: Retirement
- The Jammu & Kashmir Bank Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating

### Fundamentals

Jammu & Kashmir Bank (J&KBANK) reported its financial results for the period ending Q1 FY2026-27. Total income for the quarter stood at ₹3,764.96 crore. This was comprised of interest earned of ₹3,547.48 crore and other income of ₹217.48 crore. The bank's expenditure, excluding provisions and contingencies, was ₹3,060.13 crore, with operating expenses accounting for ₹1,011.43 crore of this total. Revenue from investments was ₹722.36 crore in Q1 FY2026-27.

Comparing the latest quarter to prior periods reveals fluctuations. Income in Q1 FY2026-27 was ₹3,764.96 crore, a decrease from ₹14,101.38 crore in Q4 FY2025-26, but an increase from ₹3,596.86 crore in Q3 FY2025-26. Similarly, interest earned followed this trend, at ₹3,547.48 crore in Q1 FY2026-27, down from ₹13,150.73 crore in Q4 FY2025-26, but up from ₹3,314.94 crore in Q3 FY2025-26. Other income also showed a similar pattern, decreasing to ₹217.48 crore in Q1 FY2026-27 from ₹950.65 crore in Q4 FY2025-26, while being higher than ₹281.92 crore in Q3 FY2025-26. Revenue from investments was ₹722.36 crore in Q1 FY2026-27, down from ₹2,921.62 crore in Q4 FY2025-26 and slightly lower than ₹745.93 crore in Q3 FY2025-26. Expenditure excluding provisions and contingencies decreased to ₹3,060.13 crore in Q1 FY2026-27 from ₹11,109.19 crore in Q4 FY2025-26, but was higher than ₹2,815.47 crore in Q3 FY2025-26. Operating expenses were ₹1,011.43 crore in Q1 FY2026-27, a decrease from ₹3,840.57 crore in Q4 FY2025-26, but an increase from ₹991.12 crore in Q3 FY2025-26.

- Jammu & Kashmir Bank's total income for Q1 FY2026-27 was ₹3,764.96 crore.
- Interest earned in Q1 FY2026-27 was ₹3,547.48 crore.
- Other income for Q1 FY2026-27 was ₹217.48 crore.
- Expenditure excluding provisions and contingencies for Q1 FY2026-27 was ₹3,060.13 crore.
- Operating expenses in Q1 FY2026-27 amounted to ₹1,011.43 crore.

### Bull Case

The company's stock shows a constructive setup on the monthly timeframe, indicated by a bullish SuperTrend indicator and a strong upward trend in the 14-day Average Directional Index (ADX) at 66.01. This suggests sustained positive momentum over a longer period. While the daily trend is currently bearish, with the 20-day Exponential Moving Average (EMA) below the 50-day EMA and a bearish SuperTrend, the weekly trend presents a mixed picture. The weekly SuperTrend is bullish, but the 20-day EMA is below the 50-day EMA, indicating some short-term headwinds. The stock has demonstrated significant positive returns over the past year, with a 1-year return of 40% and a year-to-date return of 45%. Returns since inception also stand at a positive 46%.

- Monthly SuperTrend indicator is bullish as of 2026-09-18.
- Monthly 14-day ADX reading is 66.01, indicating strong trend momentum on a monthly basis.
- The stock has achieved a 1-year return of 40% and a year-to-date return of 45% as of 2026-09-18.
- Weekly SuperTrend indicator is bullish as of 2026-09-18.

- Capitalmind Flexi Cap Fund adds Divi’s Laboratories, Bajaj Auto and 3 other stocks in August

### Bear Case

The company's daily technical indicators suggest a weakening trend. The 14-day Average Directional Index (ADX) is at 19.35, and the 14-day Minus Directional Indicator (DI) at 23.08 is above the Plus DI at 17.19, indicating selling pressure. The Supertrend indicator is in a bearish direction at ₹156.59, with the current closing price of ₹146.58 trading below this level. Furthermore, the 20-day Exponential Moving Average (EMA) at ₹148.57 and the 50-day Simple Moving Average (SMA) at ₹158.68 are both trending downwards, with the EMA slope at -1.4 and the SMA slope at -1.91 over 5 days, suggesting a potential short-term downtrend. The stock has also experienced a maximum drawdown of -0.25 and a current drawdown of -0.24, with an annualized volatility of 0.4.

- Daily technical indicators show selling pressure with Minus DI (23.08) exceeding Plus DI (17.19).
- The Supertrend indicator is bearish at ₹156.59, with the current price of ₹146.58 below this level.
- Short-term moving averages (20-day EMA and 50-day SMA) are trending downwards.
- The stock has experienced a maximum drawdown of -0.25 and a current drawdown of -0.24.

- Capitalmind Flexi Cap Fund adds Divi’s Laboratories, Bajaj Auto and 3 other stocks in August

### FAQs

**What recent corporate actions has Jammu & Kashmir Bank announced?**

Jammu & Kashmir Bank has announced an addendum to the Notice of its 88th Annual General Meeting (AGM), which is scheduled to be held on September 22, 2026. The bank also published a copy of a newspaper announcement related to this meeting. Additionally, on August 31, 2026, the bank appointed Mr. Tsewang Tharchin as a Non-Executive Non-Independent Director for a one-month term.

**What are the recent return trends for Jammu & Kashmir Bank?**

As of September 18, 2026, Jammu & Kashmir Bank has shown varied returns across different periods. The year-to-date (YTD) return is 0.45, and the return since the start of trading is 0.46. Over the past year, the stock has returned 0.4. However, in shorter periods, the returns are less positive, with a 3-month return of -0.1 and a 6-month return of 0.19. The 1-month return is -0.02.

**What is the current technical trend and key price levels for Jammu & Kashmir Bank?**

As of September 18, 2026, the daily trend for Jammu & Kashmir Bank is indicated as bearish, with the Super Trend indicator at 156.59. The closing price was 146.58, below the 20-day Exponential Moving Average (EMA) of 148.57 and the 50-day EMA of 152.31. Key resistance levels are observed at 148.1 (pivot) and 149.75 (recent high), while support levels are noted at 145.63 (recent low) and 143.98 (recent low).

- Capitalmind Flexi Cap Fund adds Divi’s Laboratories, Bajaj Auto and 3 other stocks in August
- The Jammu & Kashmir Bank Limited has informed the Exchange about Addendum to the Notice of 88th Annual General Meeting of the Bank |SUBJECT: Addendum
- JAMMU AND KASHMIR BANK LIMITED has informed the Exchange about Notice of Shareholders Meeting for Annual General Meeting to be held on 22-Sep-2026 |SUBJECT: Notice Of Shareholders Meetings-XBRL
- The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication |SUBJECT: Copy of Newspaper Publication
- The Jammu & Kashmir Bank Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating
- THE JAMMU & KASHMIR BANK LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
## Technical analytics

- As of: 2026-09-18
- Daily trend: Weak Downtrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹148.1
- Risk regime: Price Risk Requires Attention

### Support levels
- 143.4
- 138.91
- 126.12

### Resistance levels
- 164.3
- 167.15
- 182.29

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | -0.48% |
| return_10 | -2.19% |
| return_1m | -2.44% |
| return_1y | +40.19% |
| return_20 | -1.09% |
| return_3m | -10.02% |
| return_5 | +0.56% |
| return_6m | +18.68% |
| return_since_start | +45.84% |
| return_ytd | +45.07% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | elevated_risk |
| label | Price risk requires attention |
| summary | Recent drawdown or price variability is high enough to warrant closer monitoring. |
| maximum_drawdown | -25.02% |
| annualized_volatility | +40.16% |

## Quarterly financials

- Latest complete quarter: fy27_q1

# Net Profit Declines Despite Interest Income Growth as Provisions Surge

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.

## Income Composition

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.

## Expense Structure

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.

## Profitability and Provisions

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.

## Asset Quality and Capital

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 Performance

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.

## Key Takeaway

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.

### Ratios

## Official filings

- 2026-09-14 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_14092026110559_Addendum__AGM_Notice.pdf)
- 2026-09-14 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_1675_WebXMLFile_20260914_122852348.xml)
- 2026-09-14 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_14092026174105_Intimation.pdf)
- 2026-09-11 — Credit Rating Update: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_11092026203825_Credit_Rating.pdf)
- 2026-08-31 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_1675_WebXMLFile_20260831_180247003.xml)
- 2026-08-31 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_1675_WebXMLFile_20260831_180505060.xml)
- 2026-08-31 — Management Change: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_31082026175845_Appointment_SE.pdf)
- 2026-08-31 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_31082026193112_Senior_Management.pdf)
- 2026-08-31 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_1675_WebXMLFile_20260831_193631058.xml)
- 2026-08-20 — Credit Rating Update: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_20082026152211_Credit_rating.pdf)
- 2026-08-19 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_19082026195244_Agm_date.pdf)
- 2026-08-11 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1675_WebXMLFile_20260811_223052208.xml)
- 2026-08-11 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_11082026221413_Raising_of_Capital_Outcome.pdf)
- 2026-08-05 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1675_WebXMLFile_20260805_171858474.xml)
- 2026-08-05 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_1675_WebXMLFile_20260805_170307678.xml)
- 2026-08-05 — Generic Announcement: Jammu and Kashmir Bank Limited's MD & CEO and Management Team will participate in an Annual Investor Conference organized by Emkay Global Financial Services Ltd. on August 12, 2026, in Mumbai. The bank will only refer to publicly available documents and will not share any Unpublished Price Sensitive Information. — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_05082026170620_Schedule_Concall.pdf)
- 2026-08-05 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_1675_WebXMLFile_20260805_170525075.xml)
- 2026-08-05 — Generic Announcement: Jammu and Kashmir Bank Limited announced a special window for the transfer and dematerialization of physical shares sold or purchased before April 1, 2019. This facility, available from February 5, 2026, to February 4, 2027, is for transfer requests executed before April 1, 2019, that were previously rejected or not processed. Shares re-lodged for transfer will be issued in demat mode and subject to a one-year lock-in period from the date of transfer registration. — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_05082026172105_Newspaper_Publication.pdf)
- 2026-08-03 — Generic Announcement: Jammu and Kashmir Bank Limited held a conference call on July 29, 2026, to discuss its reviewed financial results for the quarter ended June 30, 2026. The bank reported a total business figure crossing INR 3 trillion, with year-on-year growth of 16.75% in deposits and 25.44% in advances. Operating profit for the quarter was INR 703 crores, a 5% year-on-year increase, while net profit was INR 424 crores. Gross slippages were below 0.5%, and GNPA stood at 2.37% with NNPA at 0.60% as of June 30, 2026. The bank's Capital Adequacy Ratio was 16.67%. — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_03082026181002_Transcripts_03082026.pdf)
- 2026-08-03 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1675_WebXMLFile_20260803_181438132.xml)
- 2026-07-30 — Generic Announcement: Jammu and Kashmir Bank Limited published its reviewed standalone and consolidated financial results for the quarter ended June 30, 2026, in various newspapers on July 30, 2026. The filing includes key financial data such as Net Profit before Tax and Net Profit after Tax for the period, with figures provided for the current quarter and comparative periods. — [Official attachment](https://nsearchives.nseindia.com/corporate/TUFAIL_30072026124244_Newspaper_Notices.pdf)
- 2026-07-29 — Generic Announcement: The Jammu & Kashmir Bank Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/JKBANK_29072026_NSE_SAIIM_WebXMLFile_20260729_192132341.xml)
- 2026-07-29 — Generic Announcement: Jammu and Kashmir Bank Limited submitted a Statement of Deviation(s)/Variation(s) under Regulation 32 of SEBI (LODR) Regulations, 2015. The statement indicates no deviation for the object for which funds were raised, with specific allocations and amounts for ESPS and QIP issuances between March 2017 and December 2023, including Rs. 93.50 Crores and Rs. 274.75 Crores. — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_29072026141429_Regulation_32.pdf)
- 2026-07-29 — Generic Announcement: Jammu and Kashmir Bank Limited reported its reviewed standalone and consolidated financial results for the quarter ended June 30, 2026. The Board of Directors approved these results on July 29, 2026. The bank revised its accounting policy for Priority Sector Lending Certificates (PSLCs) effective April 1, 2026, recognizing income and expenditure systematically over the PSLC validity period, which resulted in a ₹56.29 crore increase in Profit After Tax for the quarter. Additionally, ₹263.63 crore was transferred from the Investment Fluctuation Reserve (IFR) to the General Reserve following a Reserve Bank of India circular. — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_29072026135807_Financials_June_Outcome.pdf)
- 2026-07-29 — Generic Announcement: Jammu and Kashmir Bank Limited is presenting its reviewed financial results for the quarter ended June 30, 2026, via a conference call on July 29, 2026. The bank reported total business of ₹3,03,923 crore, with deposits at ₹1,73,420 crore and gross advances at ₹1,30,503 crore as of June 30, 2026. For Q1 FY2027, the bank reported a Net Profit of ₹703 crore, an increase of 4.5% year-over-year. — [Official attachment](https://nsearchives.nseindia.com/corporate/MARYA_29072026153516_PRESENTATION_CONCALL.pdf)

## News and market events

- 2026-09-18 — Economic Times: **Capitalmind Flexi Cap Fund adds Divi’s Laboratories, Bajaj Auto and 3 other stocks in August** — Capitalmind Flexi Cap Fund made five fresh additions and completely exited five stocks from its portfolio in August, while keeping its exposure unchanged in 27 stocks. The fund had 32 stocks across 17 sectors, with healthcare accounting for the largest allocation. Heres a look at the stocks added and exited, sector allocation and the funds performance since inception. — [Source](https://economictimes.indiatimes.com/mf/analysis/capitalmind-flexi-cap-fund-adds-divis-laboratories-bajaj-auto-and-3-other-stocks-in-august/articleshow/134328679.cms)
- 2026-08-12 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: GIFT Nifty indicates muted open; Godrej Consumer shares in focus** — Sensex Today | Stock Market LIVE Updates: The Nifty 50 index finds itself at a crucial juncture ahead of the mid-week trading session with 24,500 still being the decisive level to watch on either side. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-it-godrej-consumer-thyrocare-dr-agarwal-tenneco-blocks-hal-pi-ind-share-price-liveblog-19967084.htm)
- 2026-08-05 — Economic Times: **Microfinance lending dips as uneven monsoon alters the landscape** — 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. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/microfinance-lending-dips-as-uneven-monsoon-alters-the-landscape/articleshow/132881902.cms)
- 2026-07-29 — Economic Times: **J&K Bank Q1 profit slips 13% as higher provisions hit earnings** — Jammu and Kashmir Bank reported a 12.6% decline in Q1 net profit to Rs 424 crore due to higher provisions despite improved asset quality. Advances and deposits grew strongly, while net interest margin narrowed, triggering a nearly 13% decline in the banks share price. — [Source](https://economictimes.indiatimes.com/markets/stocks/earnings/jk-bank-q1-profit-slips-13-as-higher-provisions-hit-earnings/articleshow/132716700.cms)
- 2026-07-29 — CNBC-TV18: **Q1 Results LIVE Updates: Asian Paints gain 4% after earnings; Garden Reach revenue up 38.5%** — Q1 Results LIVE Updates: Four Nifty 50 stocks are reporting their earnings today namely Asian Paints, Adani Enterprises, Adani Ports and Eicher Motors. Dabur, Waaree Energies, ACME Solar, Bajaj Housing Finance, CarTrade Tech, Chalet Hotels, Colgate-Palmolive, J&K Bank, Hexaware Technologies, KPIT Tech, Garden Reach Shipbuilders, Force Motors, Dhanlaxmi Bank, Devyani International, MOIL, Piramal Pharma, Prestige Estates, Redington, Star Health Insurance, Syngene, Teamlease, Triveni Engineering, Zensar Tech are among the other earnings from the broader markets. L&T, Netweb Tech, among others will also be reacting to their results. Watch this space for all the LIVE Q1 results updates. — [Source](https://www.cnbctv18.com/market/q1-results-live-updates-asian-paints-adani-ports-ent-hul-eicher-bajaj-hsg-dabur-mtar-kpit-tech-cartrade-colgate-share-price-liveblog-19956225.htm)
- 2026-07-29 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Nifty surges 260 points; Kaynes Tech up 12%** — Sensex Today | Stock Market LIVE Updates: We are the halfway mark of the day's trade, and the bulls look in a strong position. The markets are on the rise, and are trading on a strong footing. The Nifty up over 240 points, jumping to 24,200. The Nifty Bank index is up 400 points, rising to 57,000. Infosys, Larsen & Toubro and HUL are the top gainers. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-hul-asian-paints-adani-oil-lt-grse-it-dmart-share-price-liveblog-19956206.htm)

## Business profile

**Strategic vision:** Scheduled commercial bank serving diverse customer segments across India.

### Business segments
- **Retail Credit:** Offers a range of credit products including personal, car, housing, and gold loans.
- **Working Capital Loans:** Provides loans for working capital needs to businesses.
- **Agriculture Loans:** Offers credit facilities for the agriculture sector.
- **Trade Credit:** Provides credit solutions for trade activities.
- **Consumer Lending:** Engages in lending to individual consumers.
- **Depository Services:** Offers depository services through its subsidiary, JKB Financial Services Limited.
- **Stock Broking Services:** Provides stock broking services via its subsidiary, JKB Financial Services Limited.
- **Mutual Fund Distribution:** Distributes mutual funds through its subsidiary, JKB Financial Services Limited.
- **Insurance Distribution:** Partners with life and non-life insurance companies to offer products to customers.

### Competitive strengths
- 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.

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## Freshness and sources

- Data as of: 2026-09-18
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/j&kbank
Markdown representation: https://faxioms.com/stocks/j&kbank?render=md