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Overview
Key Ratios
Financials
Shareholding
Company Info
Peer Comparison

Jammu and Kashmir Bank Ltd Banks - Private Sector

Govt - J & K
BSE Code : 7311.0
ISIN : INE168A01041

123.91 7 (5.89%)

As on 28 Oct 2026 (EOD)

Today’s Low
115.45
Today’s High
124.36

Open
116.08
Perv Close
117.02
52W Low
97.35
52W High
201.75

Key Indicators

P/E(TTM)

5.79
Mar.Cap (₹Cr.)

13,644.75
Div & Yield %

0.00
Book Value(₹)

147.68
Debt-Equity Ratio

5.89
AGM Date

27-Oct-2026
EPS

21.39
P/E Ratio

5.79

Financials Ratios

Debt-Equity Ratio

0.00
Mar.Cap (₹Cr.)

13,644.75

RONW (%)

18.12
ROCE (%)

0.00

Score Board

Equity (₹ in Cr.)

110.12
BV (₹)

147.70
Sales( ₹ in Cr.)

14,085.04
NP (in Cr.)

2,362.23
NP Var(%)

14.0
Div%

0.0
CPS (₹)

22.60
EPS (₹)

21.50
Traded Value (₹ in Lakhs)

13,632.64

52 Week High

201.75
52 Week Low

97.35
Price BSE

124.0
Price NSE

124.00
Market Capital( in Cr.)

13,632.64
P/C Ratio

5.50
P/E Ratio

5.80
Price Vs.BV

21.50

23-Oct-2026( 03:00)

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12-Oct-2026( 09:57)

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05-Oct-2026( 06:59)

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2026 Mar	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar
INCOME :
Interest Earned	13,145.19	12,535.86	11,212.36	9,355.11	8,013.48	8,111.09
Other Income	939.85	1,130.36	825.48	756.81	744.01	692.08
Total Income	14,085.04	13,666.22	12,037.84	10,111.92	8,757.49	8,803.17
EXPENDITURE :
Interest Expended	7,269.42	6,742.04	6,008.68	4,609.83	4,102.25	4,340.31
Payments to and Provisions for Employees	2,479.12	2,789.66	2,571.56	2,703.66	2,671.93	2,059.38
Operating Expenses & Administrative Expenses	441.15	402.80	382.76	333.98	311.94	281.28
Depreciation	128.06	167.83	217.55	157.56	143.87	133.93
Other Expenses, Provisions & Contingencies	809.42	630.19	472.73	522.54	784.79	1,454.20
Provision for Tax	745.77	686.06	588.79	530.55	215.34	36.65
Provision Towards Deferred Tax	-151.37	165.18	28.51	56.43	25.80	65.30
Total Expenditure	11,721.57	11,583.76	10,270.58	8,914.54	8,255.92	8,371.04
PROFIT & LOSS
Net Profit / Loss for The Year	2,363.47	2,082.46	1,767.27	1,197.38	501.56	432.12
Extraordinary Items	1.24	1.28	0.79	0.80	0.19	0.20
Adjusted Net Profit	2,362.23	2,081.18	1,766.48	1,196.58	501.37	431.92
Profit brought forward	0.00	0.00	0.00	0.00	0.00	0.00
APPROPRIATION
Transfer to Statutory Reserve	598.09	548.56	441.82	299.35	125.39	108.03
Transfer to Other Reserves	1,765.39	1,297.15	1,088.70	846.47	376.17	324.09
Trans. to Government /Proposed Dividend	0.00	236.75	236.75	51.57	0.00	0.00
Balance carried forward to Balance Sheet	0.00	0.00	0.00	0.00	0.00	0.00
Equity Dividend(%)	0.00	215.00	215.00	50.00	0.00	0.00
Dividend Per Share(Rs)	0.00	2.15	2.15	0.50	0.00	0.00
Earnings Per Share-Unit Curr	21.46	18.91	16.05	11.61	5.38	6.06
Earnings Per Share(Adj)-Unit Curr	21.46	18.91	16.05	11.61	5.38	6.06
Book Value-Unit Curr	138.28	118.16	99.58	83.96	75.71	82.02
Book Value(Adj)-Unit Curr	138.28	118.16	99.58	83.96	75.71	82.02

Shareholding Pattern

Promoter Group

59.40%
Public Share Holding

40.60%

Category of Shareholder	No of Shares	% Holdings	Demat Shares	Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate	0	0.00	0	0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign)	0	0.00	0	0
Foreign Promoter(Institutional)	0	0.00	0	0
Promoter Others	0	0.00	0	0
Sub Total	0	0.00	0	0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group)	0	0.00	0	0
Government(Central / State)-Indian (Promoter & Group)	654,098,280	59.40	654,098,280	3
Directors & their Relatives-Indian (Promoter & Group)	0	0.00	0	0
Financial Institutions / Banks-Indian (Promoter & Group)	0	0.00	0	0
Individuals / Hindu Undivided Family-Indian (Promoter & Group)	0	0.00	0	0
Partnership Firms-Indian (Promoter & Group)	0	0.00	0	0
Persons Acting in Concert	0	0.00	0	0
Trusts	0	0.00	0	0
Others	0	0.00	0	0
Sub Total	654,098,280	59.40	654,098,280	3
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State)	100	0.00	100	1
Clearing Members	0	0.00	0	0
Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
Financial Institutions / Banks	129,140	0.01	10,200	7
Foreign Bank	0	0.00	0	0
Foreign Bodies Corporate/OCBs/FBC	0	0.00	0	0
Foreign Collaborators	0	0.00	0	0
Foreign Institutional Investors	127,929,859	11.62	127,929,859	199
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	7,275,758	0.66	7,275,758	11
Mutual Funds / UTI	69,921,983	6.35	69,921,983	21
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	4,434,240	0.40	4,434,240	14
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	209,691,080	19.04	209,572,140	253
2] Non Institution
Bodies Corporate	23,104,528	2.10	23,100,528	938
Clearing Members	960,797	0.09	960,797	50
Directors of their Relatives	7,747	0.00	7,747	1
Employees	0	0.00	0	0
Escrow Account	0	0.00	0	0
Foreign Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
NRIs/Foreign Individuals/Foreign Nationals	19,413,481	1.76	19,413,481	2,705
Foreign Non Institution Other	0	0.00	0	0
Hindu Undivided Families	8,227,487	0.75	8,227,487	2,813
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	31,158,037	2.83	31,158,037	38
Individuals holding nominal share capital up to Rs. 1 lakh	151,586,579	13.77	147,396,405	209,488
Market Maker	0	0.00	0	0
NSDL Transit	0	0.00	0	0
Shares in transit	0	0.00	0	0
Societies	0	0.00	0	0
Trust & Foundation	563,775	0.05	563,775	14
Others	2,258,741	0.21	2,258,741	2
Sub Total	237,393,103	21.56	233,198,929	216,063
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR	0	0.00	0	0
GDR	0	0.00	0	0
Other Custodians	0	0.00	0	0
Total Shares held by Custodians and against which Depository Receipts have been issued	0	0.00	0	0
Grand Total ( A + B + C )	1,101,182,463	100.00	1,096,869,349	216,319

Company Background

Jammu and Kashmir Bank LtdBanks - Private Sector

Jammu and Kashmir Bank Ltd
BSE Code : 7311.0
ISIN : INE168A01041

Incorporation Year

1938
Registered Office

Moulana Azad Road
, Srinagar,
Jammu & Kashmir-190001
Telephone

91-194-2481930-35 Extn 1541-1547
FAX

91-194-2481928
Chairman

S Krishnan
Managing Director

Amitava Chatterjee
Company Secretary

Mohammad Shafi Mir
Auditor

Gupta Gupta & Associates LLP/JCR & Co. LLP.
Face Value

1
Listing

NSE
Registrar

KFin Techologies Ltd
Karvy Selenium Tow-B,
31&32 Financial Dist,Nanakramguda
Mumbai - Hyderabad-500032

Jammu and Kashmir Bank Ltd Peer Comparison

Profit & Loss

Financial Ratios

Balance Sheet

Company Name	LTP (₹)	Revenue	Sales	P/E Ratio
J & K Bank	123.80	14,085.04	13,145.19	5.79
ICICI Bank	1,388.50	200,703.68	169,946.09	18.24
SBI	945.10	556,240.68	482,797.17	10.64
HDFC Bank	680.00	370,054.63	307,522.07	13.72
Kotak Mah. Bank	442.85	67,187.26	55,563.98	27.87
Karur Vysya Bank	350.70	13,158.67	11,074.35	11.46
Federal Bank	341.00	32,135.76	27,695.38	17.34
Bank of Baroda	233.00	142,750.49	126,993.66	7.19
Canara Bank	118.20	153,204.21	126,366.17	5.44
IDBI Bank	78.20	35,743.53	28,997.26	10.25
UCO Bank	22.35	29,740.99	26,281.36	9.39

NSE

Reliance Industries

Piramal Pharma

Larsen & Toubro

Billionbrains

United Breweries

HDFC Bank

HDFC AMC

Lenskart Solut.

Cholaman.Inv.&Fn

Jubilant Ingrev.

Acutaas Chemical

One 97

Ola Electric

Bajaj Finance

Sahajanand Medi

Patanjali Foods

Netweb Technol.

OneSource Speci.

Infosys

Jammu and Kashmir Bank Ltd Banks - Private Sector

123.91 7 (5.89%)

Key Indicators

Financials Ratios

Score Board

Navigate The Market With Confidence

Financials

Shareholding Pattern

Company Background

Jammu and Kashmir Bank LtdBanks - Private Sector

Jammu and Kashmir Bank Ltd Peer Comparison