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India
As of 18 Sept 2026, 03:30 pm
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.
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.
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).
As of 18 Sept 2026, 03:30 pm
Recent drawdown or price variability is high enough to warrant closer monitoring.
Primary driver: Price remains materially below a previous peak
The session opened materially above the previous close, indicating a sharp repricing at the open.
The move may reflect new information; subsequent price follow-through is worth monitoring.
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 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
On August 31, 2026, the Board of J&K Bank appointed Mr. Tsewang Tharchin as a Non-Executive Non-Independent Director for a one-month term, effective immediately. Mr. Tharchin is a 2007 batch IA&AS officer currently serving as Commissioner Secretary, Finance Department for the Ladakh Administration.
On August 31, 2026, the board of Jammu and Kashmir Bank Limited appointed Tsewang Tharchin as a Non-Executive Non-Independent Director for a one-month term, effective immediately. Tharchin is a 2007 batch Indian Audit and Accounts Service officer currently serving as Commissioner Secretary, Finance Department for the Ladakh Administration since July 6, 2026.
On August 31, 2026, the Board of Directors of Jammu and Kashmir Bank Limited approved the appointment of Mr. Tsewang Tharchin (DIN: 11907418) as an Additional Director in the category of Rotational Directors, effective immediately. This appointment is subject to shareholder approval and follows a meeting held from 11:45 A.M. to 5:45 P.M. on the same date. Mr. Tharchin, a 2007 batch Indian Audit and Accounts Service officer with extensive experience in government audit and international organizations, has no disclosed relationships with other directors and is not debarred from holding office.
Jammu and Kashmir Bank Limited announced the retirement of General Managers Mr. Rakesh Koul and Mr. Syed Rais Maqbool from their positions as Senior Management Personnel effective August 31, 2026, due to attaining the age of superannuation. The cessation of their services was disclosed pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, with the change taking effect at the close of business hours on the specified date.
Recent market and company developments associated with Jammu & Kashmir Bank.
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.
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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.
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.
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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.