The Jammu & Kashmir Bank quarterly results and financials

The Jammu & Kashmir Bank (J&KBANK)₹130.20+3.07%(9 Nov 2026 close)Private Sector Bank

Key facts

In the Sep 2026 quarter (consolidated), The Jammu & Kashmir Bank reported revenue of ₹3,723 Cr, up 13.3% from Sep 2025, and net profit of ₹553 Cr, up 11.8% year on year. For the year to Mar 2026, revenue were ₹13,123 Cr and net profit ₹2,357 Cr.

Revenue (Sep 2026): ₹3,723 Cr
Net profit (Sep 2026): ₹553 Cr
Revenue (FY Mar 2026): ₹13,123 Cr
Net profit (FY Mar 2026): ₹2,357 Cr
EPS (Sep 2026): ₹5.03
Borrowings (Mar 2026): ₹3,432 Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

The Jammu & Kashmir Bank quarterly results

₹ crore unless stated; each column is a quarter.

The Jammu & Kashmir Bank Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	2,874	2,906	2,987	3,119	3,205	3,207	3,262	3,286	3,306	3,266	3,540	3,723
Interest	1,599	1,604	1,626	1,688	1,697	1,733	1,804	1,859	1,825	1,785	2,049	2,224
Net interest income	1,275	1,301	1,361	1,432	1,508	1,474	1,459	1,428	1,480	1,481	1,491	1,500
Expenses	906	704	952	979	995	1,074	1,059	955	964	889	1,093	1,103
Financing Profit	376	603	416	457	517	407	407	480	528	601	404	400
Financing Margin %	13.0%	21.0%	13.9%	15.0%	15.9%	13.0%	11.9%	15.0%	16.0%	18.0%	11.0%	10.9%
Other Income	186	229	198	301	242	403	253	156	280	262	217	318
Profit before tax	562	831	615	758	760	811	660	636	808	864	622	719
Tax %	25.0%	23.0%	32.0%	27.0%	30.0%	28.0%	26.0%	22.0%	27.0%	7.0%	31.0%	24.0%
Net Profit	423	633	418	553	528	582	485	494	581	798	429	553
EPS (Rs)	3.85	5.76	3.81	5.03	4.81	5.29	4.41	4.50	5.29	7.26	3.90	5.03
Gross NPA %	4.8%	4.1%	3.9%	4.0%	4.1%	3.4%	3.5%	3.3%	3.0%	2.5%	2.4%	2.2%
Net NPA %	0.8%	0.8%	0.8%	0.9%	0.9%	0.8%	0.8%	0.8%	0.7%	0.6%	0.6%	0.5%
Provision coverage (approx., excl. write-offs) %	82.9%	80.6%	80.6%	78.5%	77.0%	76.6%	76.6%	77.1%	77.3%	74.4%	74.7%	77.1%

The Jammu & Kashmir Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

The Jammu & Kashmir Bank Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	6,828	6,669	6,604	7,662	8,422	8,094	7,990	9,341	11,196	12,518	13,123	13,835
Interest	4,130	4,172	3,748	4,290	4,736	4,343	4,099	4,612	6,010	6,746	7,272	7,882
Net interest income	2,698	2,497	2,856	3,372	3,686	3,751	3,892	4,729	5,187	5,772	5,851	5,953
Expenses	2,463	4,424	3,153	3,435	5,228	3,798	3,770	3,564	3,434	3,830	3,739	4,049
Financing Profit	246	−1,921	−283	−55.14	−1,529	−30.05	137	1,180	1,772	1,969	2,144	1,933
Financing Margin %	4.0%	−29.0%	−4.0%	−1.0%	−18.0%	0.0%	2.0%	13.0%	16.0%	16.0%	16.0%	14.0%
Other Income	509	497	500	817	508	700	753	765	837	1,139	950	1,076
Depreciation	64.18	85.28	97.32	104	126	134	145	159	219	168	128	0.00
Profit before tax	690	−1,510	121	660	−1,145	538	749	1,788	2,391	2,942	2,971	3,012
Tax %	40.0%	8.0%	−68.0%	30.0%	3.0%	19.0%	32.0%	33.0%	26.0%	29.0%	20.0%	—
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.99	0.99	0.99	0.99	—
Net Profit	413	−1,633	203	464	−1,182	428	495	1,180	1,770	2,082	2,357	2,361
EPS (Rs)	8.55	−31.37	3.65	8.34	−16.61	6.02	5.31	11.45	16.09	18.93	21.44	21.48
Dividend payout %	19.9%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	4.0%	13.0%	11.0%	0.0%	—

The Jammu & Kashmir Bank balance sheet

₹ crore, at each year end.

The Jammu & Kashmir Bank Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	48.05	48.07	52.07	56.09	56.04	71.11	71.09	93.11	103	110	110	110
Reserves	6,072	6,391	5,636	6,117	6,582	6,290	6,746	8,007	9,813	12,103	14,124	16,421
Deposits	66,314	69,388	72,461	80,011	89,675	97,876	1,08,103	1,14,713	1,22,024	1,34,729	1,48,537	1,65,307
Borrowings	1,740	2,242	1,276	1,629	2,627	2,023	2,018	2,373	2,895	2,884	2,384	3,432
Other Liabilities	1,734	2,225	2,617	1,903	2,534	2,691	3,424	5,451	11,150	4,684	4,301	3,705
Total Liabilities	75,909	80,295	82,043	89,716	1,01,474	1,08,950	1,20,363	1,30,637	1,45,986	1,54,511	1,69,457	1,88,975
Fixed Assets	657	708	1,483	1,603	1,650	2,042	1,977	1,914	2,229	2,213	2,132	2,450
CWIP	34.07	59.13	64.13	17.05	29.06	35.10	41.08	46.09	47.11	50.11	66.16	88.26
Investments	22,678	20,276	21,207	18,831	23,101	22,947	30,691	33,693	34,679	34,814	41,035	40,408
Other Assets	52,540	59,253	59,289	69,266	76,693	83,926	87,653	94,984	1,09,028	1,17,433	1,26,223	1,46,028
Cash & equivalents	2,367	3,120	3,583	4,316	4,861	2,940	3,678	7,730	7,776	7,230	7,362	7,603
Total Assets	75,909	80,295	82,043	89,716	1,01,474	1,08,950	1,20,363	1,30,637	1,45,986	1,54,511	1,69,457	1,88,975

The Jammu & Kashmir Bank cash flow

₹ crore, for each year.

The Jammu & Kashmir Bank Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	118	−219	2,464	2,370	−3,000	4,386	−14.05	−1,574	−408	−855	2,731	−1,128
Cash from investing activity	−261	−136	−860	−164	−165	−115	−75.86	−84.89	−124	−257	−102	−302
Cash from financing activity	−337	−175	591	666	766	−338	−198	937	636	406	−1,031	−498
Net cash flow	−478	−529	2,181	2,856	−2,380	3,904	−288	−710	107	−700	1,580	−1,920
Capex	249	136	860	164	165	115	75.86	84.92	124	186	102	468
Free cash flow	−131	−355	1,595	2,199	−3,155	4,259	−90.03	−1,653	−531	−1,039	2,623	−1,595

The Jammu & Kashmir Bank ratios

Working-capital days and returns, by year.

The Jammu & Kashmir Bank Ratios
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	9.0%	7.0%	−27.0%	3.0%	7.0%	−18.1%	7.0%	7.0%	12.9%	16.0%	16.0%	15.0%

The Jammu & Kashmir Bank: frequently asked questions

What are the latest quarterly results of The Jammu & Kashmir Bank?

For the Sep 2026 quarter, The Jammu & Kashmir Bank reported revenue of ₹3,723 Cr, up 13.3% year on year and net profit of ₹553 Cr, up 11.8% year on year.

What is the annual revenue of The Jammu & Kashmir Bank?

The Jammu & Kashmir Bank's revenue for the year to Mar 2026 were ₹13,123 Cr; over the last twelve months they were ₹13,835 Cr.

What is the net profit of The Jammu & Kashmir Bank?

Net profit for the year to Mar 2026 was ₹2,357 Cr, and ₹2,361 Cr over the last twelve months. Earnings per share over the same trailing period were ₹21.48.

What is the free cash flow of The Jammu & Kashmir Bank?

Cash from operations was −₹1,128 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹1,595 Cr.

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