Athwas Retail announces Diwali cashback offer in partnership with J&K Bank
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Jammu & Kashmir Bank Ltd.
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Unlock signals — freeAbout Jammu & Kashmir Bank Ltd.
Jammu and Kashmir Bank Limited (J&KBANK) operates across Treasury, Corporate/Wholesale, Retail, and Other Banking segments, offering a broad suite of products from savings and term deposits to housing, consumer, and specialized loans such as gold and vehicle finance. In Q2 FY27, the bank posted a net profit of ₹546 crore, up 28.8% QoQ and 10.6% YoY, while total business grew 19.4% to ₹3.10 lakh crore, reflecting robust demand across its retail and corporate portfolios. Asset quality improved markedly, with NPA ratios falling to decade‑best levels, underpinning management’s confidence in a rebound in H2 earnings. The bank’s strategic focus on digital banking and outreach initiatives, including the recent ED visit to Ladakh, positions it to capture underserved markets in the region. Revenue
Financial Highlights
| Metric | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | ₹6,043 Cr +19.90% | ₹6,947 Cr +14.96% | ₹6,833 Cr -1.64% |
| EBITDA Margin | 0.00% | 0.00% | 0.00% |
| Net Profit | ₹1,771 Cr +50.00% | ₹2,082 Cr +17.53% | ₹2,360 Cr +13.34% |
| EPS | ₹16.84 | ₹18.91 | ₹21.42 |
Annual figures in Indian Rupees (Crores). Source: company filings (NSE).
Recent News
The Jammu and Kashmir Bank Limited (J&KBANK.NS) Seasonal returns chart
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Strategic Outlook
- Q2FY27 results: PAT ₹553 Cr, EPS ₹5.02. Growth context: PAT YoY +11.7%, PAT QoQ +28.9%.
Loan growth, deposit mix, asset quality and margin stability are the primary drivers for the next 2–4 quarters; a half‑y...
FY26 (last completed FY): PAT ₹2, 360 Cr, EPS ₹21.42, ROE 14.6%. Year-on-year: PAT YoY +13.3%. Half‑yearly debt securiti...
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Frequently Asked Questions
What AI signals does NiveshIQ provide for Jammu & Kashmir Bank Ltd.?
NiveshIQ detects active intelligence signals for Jammu & Kashmir Bank Ltd. (J&KBANK) — including earnings catalysts, relative strength patterns, sector sweeps, and pullback setups. It also shows an Expected Move (1D/1W/1M range based on news, fundamentals and technicals) and a Confidence Score based on historical directional and magnitude accuracy. These are exclusive to NiveshIQ.
What are the key financials for Jammu & Kashmir Bank Ltd.?
Jammu & Kashmir Bank Ltd. operates in the Financial Services sector with a market capitalisation of ₹1,692,957.9L Cr. Revenue, net profit, EPS and EBITDA margins across the last three annual periods are shown above, sourced from BSE filings.
Does NiveshIQ provide investment advice?
No. NiveshIQ provides educational market intelligence and research context, not investment advice or buy/sell recommendations.