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J&KBANK
As of the latest trading session, J & K BANK LTD. share price is currently at ₹ 102.53, which is up by ₹ 0.26 from its previous closing. Today, the stock has fluctuated between ₹ 102.18 and ₹ 103.22. Over the past year, J & K BANK LTD. has achieved a return of -1.84 %. In the last month alone, the return has been -4.72 %. Read More...
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| Particulars | SEP 2025 (Values in Cr) |
|---|---|
| Revenue | 3291.82 |
| Operating Expense | 966.26 |
| Net Profit | 494.11 |
| Net Profit Margin (%) | 15.01 |
| Earnings Per Share (EPS) | 4.49 |
| EBITDA | 2491.38 |
| Effective Tax Rate (%) | 22.00 |
| Company Name | Price | P/E | P/B | Market Cap | 52 Week Low/High |
|---|---|---|---|---|---|
| STATE BANK OF INDIA | 962.90 | 11.32 | 1.64 | 888816.17 | 679.65 / 999.10 |
| KOTAK MAHINDRA BANK LTD | 2176.45 | 23.30 | 2.57 | 432842.14 | 1711.05 / 2301.55 |
| FEDERAL BANK LTD | 261.15 | 16.29 | 1.77 | 64288.81 | 172.95 / 263.65 |
| HDFC BANK LTD | 1000.20 | 21.26 | 2.85 | 1538558.71 | 812.13 / 1020.35 |
| Company Name | Price | P/E | P/B | Market Cap | 52 Week Low/High |
|---|---|---|---|---|---|
| STATE BANK OF INDIA | 962.90 | 12.46 | 1.81 | 888816.17 | 679.65 / 999.10 |
| KOTAK MAHINDRA BANK LTD | 2176.45 | 32.32 | 3.45 | 432842.14 | 1711.05 / 2301.55 |
| KARUR VYSYA BANK LTD | 245.30 | 11.26 | 1.85 | 23705.89 | 153.67 / 258.50 |
| FEDERAL BANK LTD | 261.15 | 16.90 | 1.83 | 64288.81 | 172.95 / 263.65 |
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For Q1 of FY 25-26, the company's revenue was ₹3,269 crore, and its profit for the period stood at ₹485 crore. In the corresponding Q1 of FY 24-25, the revenue was ₹2,994 crore with a profit of ₹418 crore for the period.
Date Source: screener.in, and corporate filings on NSE/BSE
For FY 24-25, the bank reported revenue of ₹12,541 crore and a net profit of ₹2,082 crore. In the preceding year, FY 23-24, the company's revenue was ₹11,213 crore, and the net profit was ₹1,771 crore.
Date Source: screener.in, and corporate filings on NSE/BSE
A dividend yield of 2.13% is associated with the company's stock, which has a face value of ₹1.00 to begin with. The company announced a dividend for FY 2025-26 of ₹2.15 per share, with an ex-date of August 19, 2025. This maintains the dividend from the previous FY 2024-25, which was also ₹2.15 per share and had an ex-date of August 9, 2024.
Date Source: screener.in, and corporate filings on NSE/BSE
Jammu and Kashmir Bank Limited (J&K Bank), incorporated in October 1938, is a scheduled commercial bank with its corporate headquarters in Srinagar. The bank's shares are listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE). It is designated by the Reserve Bank of India as the agency bank for conducting banking business for the governments of the Union Territories of Jammu & Kashmir and Ladakh.
J&K Bank provides services to a diverse customer base, including business enterprises, government employees, farmers, artisans, and corporate clients. In addition to an associate Regional Rural Bank known as JK Grameen Bank, the bank's group also includes a wholly owned subsidiary known as JKBFSL.
The bank first opened its doors to customers in July 1939. In 1971, it was acknowledged as a scheduled bank, and later, under the Indian Companies Act, it was designated as a Government Company. As time went on, the bank gradually introduced new products and began utilising cutting-edge technology.
In the year 1993, it entered into an agreement with a news agency in order to acquire data regarding the rates of exchange for various foreign currencies all over the world. The year 1998 marked the beginning of the bank's ability to provide specific retail loans, such as loans for homes and loans for education. By the year 1999, it had reached agreements to connect its automated teller machines (ATMs) to a shared network, which made it simpler for a greater number of people to use them.
In the late 1990s and early 2000s, the bank started offering digital services and branching out into other areas of business. It worked with Infosys Technologies to start offering internet banking services. Around the same time, the bank worked with American Express to create a co-branded credit card. Subsequently, it collaborated with MasterCard International to develop a debit card that could be taken internationally.
The year 2000 marked the beginning of the company's expansion strategies, which included the addition of non-life insurance and depository services to its existing life insurance and asset management businesses. In 2004, the bank entered into an agreement with ICICI Bank to share their automated teller machine (ATM) networks in order to increase the number of customers who could use them.
Over the course of its history, J&K Bank gradually expanded its branch network. In particular after 2013, the bank's branches and automated teller machine network continued to expand. Jammu and Kashmir, Ladakh, and a number of other Indian states and union territories were among those who saw this growth.
As on March 31, 2025, the distribution network of the bank comprises a total of 1,019 branches, 1,424 automated teller machines, and 156 Cash Recycler Machines (CRMs). In addition, the bank has built Easy Banking Units and Ultra Small Branches in order to reach a greater number of specific clients.
There are a number of new financial items that the bank has been adding to its portfolio, including a gold loan programme and an opportunity for merchants to overdraft their accounts. The provision of a preferential distribution of equity shares was one of the ways in which the Government of Jammu and Kashmir bestowed more funds onto the bank during the fiscal year 2020.
Following the conclusion of the fiscal year on March 31, 2025, the bank said that it had accumulated a total of ₹1,48,569.46 crore in deposits and ₹1,04,198.72 crore in net advances as of that date. During the course of the year, the total amount of business amounted to ₹2,52,768.18 crore, while the net profit attained was ₹2,082.46 crore.
1. Who is the CEO of Jammu and Kashmir Bank Ltd?
Baldev Prakash serves as the Managing Director and CEO of Jammu and Kashmir Bank Ltd. He took on this role on December 30, 2021. As the CEO, he oversees the bank's strategic direction and operational leadership following the separation of the roles of chairman and managing director.
2. When was Jammu and Kashmir Bank Ltd established?
Jammu and Kashmir Bank Ltd was established in October 1938, making it one of India's oldest private sector banks. This long-standing institution has its corporate headquarters in Srinagar and plays a prominent role in banking across the Union Territories of Jammu & Kashmir and Ladakh.
3. What factors influence the Jammu and Kashmir Bank Share Price?
The Jammu and Kashmir bank share price is influenced by various factors, including the bank’s financial performance, sectoral trends, government policies affecting banking, market demand, interest rates, and overall economic conditions, which together shape investor confidence and stock valuation.
4. Is Jammu and Kashmir Bank Ltd debt free?
No, Jammu and Kashmir Bank Ltd is not debt free. Like most banking institutions, it operates with a balance of assets and liabilities, including deposits and loans. Managing debt levels is a core part of its business model, supporting lending and investment functions.
5. What is the CAGR of Jammu and Kashmir Bank Share?
The CAGR of Jammu and Kashmir bank share varies by period: over 10 years, it’s -3%, showing a slight decline; over 5 years, it has grown by 27%; 3 years show a 31% growth, and the 1-year CAGR reflects a decrease of 5%, affected by market trends.
6. How has the Jammu and Kashmir Bank Share Price performed over the past year?
Over the past year, the Jammu and Kashmir bank share price has declined by approximately 5%. This reflects market challenges and sector-specific dynamics impacting performance. The share price performance is influenced by financial results, industry trends, and economic shifts.
Jammu and Kashmir Bank Limited (J&K Bank) is a Scheduled Commercial Bank and one of the oldest private sector banks in India, incorporated in October, 1938. J&K Bank is listed on both NSE and BSE and has its Corporate Headquarters at Srinagar. The Bank functions as a leading bank and is designated by Reserve Bank of India as agency bank for carrying out banking business for the Government of Jammu & Kashmir and Ladakh.
J&K Bank caters to banking requirements of various customer segments which includes Business enterprises, employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations and corporate clients. Group companies of the J&K Bank include JKBFSL (wholly owned subsidiary) and JK Grameen Bank (Associate RRB). The Bank offers a wide range of retail credit products, including home finance, personal loans, education loan, agriculture lending, trade credit and consumer credit of various customer segments.
The Bank commenced its business from 4 July 1939 in Kashmir. It offers banking services under the three major divisions as Support services, Depository services and Third party services. According to the extended Central Laws of the State, Jammu & Kashmir Bank was defined as Government of Company as per the provision of Indian companies act 1956. In the year 1971, the Bank received the status of scheduled bank. RBI declared it as 'A' Class Bank in the year of 1976. During the year 1993, the Bank made tie up with Reuter News Agency for instantaneous information about global foreign currency rates and fluctuations. In the year of 1995, Banking Ombudsman Scheme was launched in June and a loan delivery system was introduced in April, which was used for large borrowers. During the year of 1998, J & K had introduced a new term deposit scheme under the title of Jana Priya Jamma Yojna carrying flexibility in the repayment schedule and in the same year the bank introduced Housing Loan and Education Loan Schemes.
The Bank had entered into an agreement with IBA to connect its ATMs through a shared network in the year 1999. To offer Internet Banking and for its e-commerce initiatives, the bank made tie up with Infosys Technologies and also in the same year J&K Bank had entered into agreement with American Express to launch a co-branded credit card. J&K Bank had diversified into non-life insurance and depository business, apart from life Insurance and asset management business in the year of 2000. The Bank had launched Global Access Card (An International Debit Card) in association with Master Card International during the year of 2003. During the year 2004, J&K Bank agreed with ICICI Bank to share the ATM network. In the same year the bank had received the Asian Banking Award 2004 in Manila for its customer convenience programme. Signed MoU with Bajaj Tempo in the year of 2004.
During the year 2005-06, J&K opened its branches in Chennai, Kanpur, Agra and Kolkata. Also in the same year introduced new product and services for rural finance. During the period of 2006-2007, the bank introduced various hi-tech and customer friendly products. The Bank and TATA Consultancy Services (TCS), Asia's largest IT company signed a Memorandum of Understanding (MoU) to signal their intent to work together to create an IT blue-print for the bank. Going forward with its renewed business strategy, J & K Bank had opened its 564th branch at Lassipora, Pulwama, Srinagar in July of the year 2008.
During the financial year 2013-14, 92 new branches were established; thereby taking the number of branches to 777 as on 31st March 2014, spread over 20 states and one union territory.
During the financial year 2013-14, 187 ATMs, both onsite & offsite, were commissioned thereby taking the number of ATMs to 800 as on 31st March 2014.
During the financial year 2014-15, 40 new branches were established; thereby taking the number of branches to 817 as on 31st March 2015, spread over 20 states and one union territory.
During the financial year 2014-15, 85 ATMs were commissioned thereby taking the number of ATMs to 885 as on 31st March 2015.
During the year under review, bank increased its stake in JKBFSL by 100% by contributing Rs1000 lacs in share capital of the company, increasing its paid up capital to 2000 lacs for the year ended 31st March 2015 as against Rs1000 lacs as on 31st March 2014.
During the financial year 2015-16, 40 new branches were established; thereby taking the number of branches to 857 as on 31st March 2016, spread over 20 states and one union territory.
During the financial year 2015-16, 121 ATMs were commissioned thereby taking the number of ATMs to 1006 as on 31st March 2016.
During the financial year 2016-17, 8 new branches were established; thereby taking the number of branches to 865 as on 31st March 2017, spread over 20 states and one union territory.
During the financial year 2016-17, 90 ATMs were commissioned thereby taking the number of ATMs to 1096 as on 31st March.2017.
During financial year 2018-19, 36 new branches were established, thereby taking number of branches to 938 as on 31st March 2019, spread over 20 states and one union territory.
During the financial year 2018-19, 96 ATMs were commissioned thereby taking the number of ATMs to1294 as on 31st March 2019.
During FY 2018-19, the Bank launched a bouquet of new products such as Gold Loan Scheme, Merchant Overdraft scheme and deploying Direct Selling Agents (DSA) in ROI (Rest of India) for housing loans.
During the financial year 2019-20, 15 new branches were established, thereby taking the number of branches to 955 (including IARBs)as on 31.03.2020, spread over 17 states and 4 union territories. During the financial year FY19-20, 3 EBUs/USBs were established, 66 ATMs were commissioned thereby taking the number of ATMs to 1354 as on 31.03.2020.
During the FY2020, the bank has allotted an preferential allotment of 15,65,92,546 equity shares of Re. 1/- each fully paid up for cash to the Government of Jammu and Kashmir at the issue price of Rs 31.93 per equity share.
During the financial year 2020-21, 3 new branches were established, thereby taking the number of branches to 955 (including IARBs) as on 31.03.2021, spread over 18 states and 4 union territories. Furthermore, 3 EBUs/USBs were established, 29 ATMs were commissioned thereby taking the number of ATMs to 1383 as on 31.03.2021. The Company opened two new branches during the year-one at Anantnag in south Kashmir and another at Janipur in Jammu, which took the count to 12.
During the financial year 2021-22, 25 new branches were established, thereby taking the number of branches to 980 (including IARBs) as on 31.03.2022, spread over 18 states and 4 union territories. 6 EBUs/USBs were established taking the total number of EBUs/USBs to 77, 21 ATMs were commissioned thereby taking the number of ATMs to 1404 as on 31.03.2022.
During the financial year 2022-23, 10 new branches were established, thereby taking the number of branches to 990 (including IARBs) as on 31.03.2023, spread over 18 states and 4 union territories. 5 EBUs/USBs were established taking the total number of EBUs/USBs to 82 and 17 ATMs were added taking the ATM network of the Bank to 1421 as on 31.03.2023.
During the financial year 2023-24, 15 new branches were established, thereby taking the number of branches to 1004 (including IARBs) as on 31.03.2024, spread over 18 states and 4 union territories. 13 EBUs/USBs were established taking the total number of EBUs/USBs to 94 and 31 ATMs were opened in FY23-24 taking the ATM network of the Bank to 1417 as on 31.03.2024. Besides 45 CRMs (Cash Recycler Machines) were opened in FY23-24 taking the total number of CRMs to 152 as on 31.03.2024.
The aggregate business of the Bank stood at Rs 228537.40 Crore at the end of the financial year 2023-24. The total deposits of the Bank grew by Rs 12737.15 Crore from Rs 122037.74 Crore as on 31st March, 2023 to Rs 134774.89 Crore as on 31st March, 2024, a growth of 10.44 percent. CASA deposits of the Bank at Rs 68072.61 Crore constituted 50.51 percent of total deposits of the Bank. The net advances of the Bank stood at Rs 93762.51 Crore as on 31st March, 2024. The Bank registered a Net Profit of Rs 1767.27 Crore for the financial year 2023-24. Average Priority Sector Advances stood at Rs 43,010.17 Crore as on 31st March, 2024.
During the financial year 2024-25, 15 new branches were established, thereby taking the number of branches to 1019 (including IARBs) as on 31.03.2025, spread over 18 states and 4 union territories. 3 EBUs/USBs were established taking the total number of EBUs/USBs to 97 and 14 ATMs were opened in FY24-25 taking the ATM network of the Bank to 1424 as on 31.03.2025. Besides 7 CRMs (Cash Recycler Machines) were opened in FY24-25 taking the total number of CRMs to 156 as on 31.03.2025.
The aggregate business of the Bank stood at Rs 252768.18 Crore at the end of the FY2024-25. The total deposits of the Bank grew by Rs 13793.14 Crore from Rs 134776.32 Crore as on 31st March, 2024 to Rs 148569.46 Crore as on 31st March, 2025, a growth of 10.23 percent. CASA deposits of the Bank at Rs 69843.42 Crore constituted 47.01 percent of total deposits of the Bank. Net advances of the Bank stood at Rs 104198.72 Crore as on 31st March, 2025. The Bank registered a Net Profit of Rs 2082.46 Crore for the financial year 2024-25. Average Priority Sector advances stood at Rs 46048.17 Crore as on 31st March, 2025.
Jammu and Kashmir Bank Ltd share price is for NSE ₹ 102.53 & for BSE ₹ 102.35 as on Dec 12 2025 03:30 PM.
The market cap of Jammu and Kashmir Bank Ltd for NSE ₹ 11,290.42 & for BSE ₹ 11,270.60 as on Dec 12 2025 03:30 PM.
The 52 Week High and Low of Jammu and Kashmir Bank Ltd for NSE is ₹ 117.25 and ₹ 86.61 and for BSE is ₹ 117.20 and ₹ 82.01.
The 1 year returns on the stock has been -1.84%.
As on Dec 12 2025 03:30 PM the price-to-earnings (PE) ratio for Jammu and Kashmir Bank Ltd share is 5.39.
As on Dec 12 2025 03:30 PM, the price-to-book (PB) ratio for Jammu and Kashmir Bank Ltd share is 126.60.
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