The Jammu & Kashmir Bank Limited

NSE: J&KBANK BSE: 532209 SECTOR: Financial Services - Banks

143 3(2%)

Near 52W High of 145

Volume

22L as on 26, May

Open

112

High

101

Low

140

VWAP

140

52 Week High

145

52 Week Low

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

15,791

No. of Shares

110

P/E

5.62

P/B

0.85

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

15.17

ROCE

Profit Growth

Listing Date

22-Jul-98

Promoter Holding

59.4%

FII Holding

8.14%

DII Holding

5.84%

Price Chart

Price Performance

1 Week5%

1 Month11%

3 Months15%

6 Months31%

1 Year39%

YTD38%

Moving Average

5 Day SMA139

10 Day SMA135

20 Day SMA135

30 Day SMA133

50 Day SMA127

61 Day SMA125

80 Day SMA120

200 Day SMA110

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	145	142	144	145
Resistance 2	144	141	143	144
Resistance 1	142	141	142	142
Pivot Point	141	141	141	141
Support 1	139	141	140	139
Support 2	138	140	139	138
Support 3	137	140	138	136

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(0.01) 59.40%	(-4.01) 59.40%	(0.01) 63.41%	(0.01) 63.41%	(-4.61) 63.41%	(0.01) 68.03%	(0.01) 68.03%	(-2.11) 68.03%	(0.01) 70.12%	(1.91) 70.12%	(0.01) 68.18%
FIIs	(0.31) 8.14%	(-0.21) 7.85%	(0.41) 8.01%	(0.61) 7.64%	(0.61) 7.07%	(-0.71) 6.47%	(0.21) 7.16%	(1.21) 6.99%	(3.21) 5.80%	(0.41) 2.61%	(-0.11) 2.19%	(0.31) 2.24%	(1.11) 1.96%	(0.11) 0.82%	(0.11) 0.76%	(0.01) 0.71%	(0.71) 0.70%	(0.01) 0.00%
DIIs	(0.11) 5.84%	(-0.11) 5.76%	(-0.81) 5.87%	(-0.11) 6.69%	(0.41) 6.82%	(-0.31) 6.41%	(-1.21) 6.74%	(0.11) 7.90%	(2.91) 7.81%	(2.51) 4.92%	(-0.21) 2.43%	(-0.11) 2.66%	(0.71) 2.78%	(1.21) 2.12%	(0.71) 0.94%	(0.01) 0.21%	(-1.91) 0.23%	(0.01) 2.08%
Public	26.62%	26.98%	26.72%	26.26%	26.70%	27.72%	26.70%	25.71%	26.98%	29.06%	31.96%	31.69%	27.23%	29.03%	30.27%	28.96%	28.96%	29.74%
No. of Shareholders	254,219	261,978	265,968	280,187	282,743	278,050	254,645	215,294	204,193	188,609	172,171	172,074	169,558	189,535	195,935	192,588	184,254	171,725

Quarterly Results

	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	3315	3293	3269	3213	3210	3124	2994	2910	2881	2764	2657	2512	2441	2299	2103	2012	2020	1990	1990
Expenses	965	958	1061	1078	996	980	954	705	906	982	1062	793	984	945	1003	800	858	1034	1009
Operating Profit	525	477	406	404	516	456	415	602	375	352	221	457	274	259	31	176	135	-60	-40
OPM %	16	14	12	13	16	15	14	21	13	13	8	18	11	11	1	9	7	-3	-2
Other Income	282	157	253	406	242	301	198	229	186	193	230	168	244	148	205	-56	173	196	223
Interest	1824	1858	1803	1732	1697	1687	1625	1604	1600	1430	1374	1262	1183	1095	1069	1037	1026	1017	1021
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	807	635	659	810	758	757	614	830	561	545	452	625	518	407	236	120	308	136	183
Tax %	27	22	26	28	30	27	32	23	25	30	28	24	40	40	30	6	43	18	43
Net Profit	581	495	485	582	529	553	418	633	423	384	331	473	307	240	161	119	169	107	100
EPS in Rs	5.28	4.49	4.4	5.28	4.8	5.02	3.8	5.75	3.84	3.72	3.21	4.58	3.19	2.49	1.67	1.27	1.81	1.15	1.4

Profit and Loss

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	12541	11213	9355	8013	8111	8446	7676	6621	6686	6844	7061	6767	6137
Expenses	3840	3437	3567	3774	3802	5234	3439	3154	4431	2466	2336	1250	1226
Operating Profit	1960	1768	1178	137	-30	-1527	-55	-283	-1919	245	316	1435	1091
OPM %	16	16	13	2	0	-18	-1	-4	-29	4	4	21	18
Other Income	1147	838	765	753	701	509	817	501	497	509	599	393	485
Interest	6741	6008	4609	4101	4340	4739	4291	3750	4173	4132	4409	4082	3820
Depreciation	168	218	158	144	134	126	104	97	85	64	95	78	50
Profit before tax	2939	2388	1786	747	537	-1144	659	121	-1507	689	820	1750	1526
Tax %	29	26	33	32	19	3	30	-68	8	40	38	33	31
Net Profit	2082	1771	1181	495	428	-1183	464	203	-1633	414	508	1181	1055
EPS in Rs	18.91	16.08	11.44	5.3	6.01	-16.59	8.33	3.64	-31.32	8.54	10.49	24.36	21.76
Dividend Payout %	11	13	4	0	0	0	0	0	0	20	20	21	23

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	2723	-853	-407	-1568	-14	4374	-2992	2363	2457	-219	118	-683	1280
Cash from Investing Activity	-102	-257	-124	-85	-76	-115	-165	-164	-861	-136	-261	-169	-86
Cash from Financing Activity	-1034	407	638	941	-199	-339	769	668	593	-176	-338	-338	-243
Net Cash Flow	1587	-702	107	-712	-289	3920	-2388	2867	2189	-531	-480	-1189	951

Balance Sheet

	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	110	110	110	110	103	93	71	71	56	56	52	48	48	48	48
Reserves	14826	14098	13196	12083	9793	7984	6731	6274	6566	6102	5621	6372	6060	5674	4816
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	5291	4280	5359	4662	11097	5425	3408	2678	2522	1894	2604	2214	1726	1797	1583
Total Liabilities	174627	169424	159456	154505	145913	130576	120273	108829	101405	89684	82012	80254	75910	78613	71734
Fixed Assets	2187	2126	2229	2208	2224	1908	1971	2036	1646	1598	1479	706	655	508	444
CWIP	0	66	0	50	47	46	41	35	29	17	64	59	34	27	13
Investments	44209	41122	38656	34900	34780	33785	30774	22990	23140	18860	21271	20334	22740	26185	25731
Other Assets	128231	126110	118571	117347	108860	94837	87486	83768	76589	69210	59198	59156	52481	51893	45547
Total Assets	174627	169424	159456	154505	145913	130576	120273	108829	101405	89684	82012	80254	75910	78613	71734

Delivery

#	Date	108 34% 145	Value (Cr)	Q/T 156	Del 42	Del 46
1	27-May	144	61	137	46	28
2	26-May	140	31	89	52	16
3	25-May	141	39	138	55	21
4	22-May	140	41	136	42	17
5	21-May	140	94	137	53	50
6	20-May	134	38	115	32	12
7	19-May	133	45	130	41	18
8	18-May	128	30	114	45	13
9	15-May	131	21	93	42	9
10	14-May	132	44	123	36	16
11	13-May	134	43	132	36	16
12	12-May	130	43	130	39	17
13	11-May	137	49	136	34	17
14	8-May	142	82	173	44	36
15	7-May	140	189	148	40	75
16	6-May	137	174	223	34	58
17	5-May	135	97	139	45	44
18	4-May	132	50	152	43	22
19	30-Apr	129	52	135	52	27
20	29-Apr	135	152	162	54	83
21	28-Apr	129	67	153	47	32
22	27-Apr	129	49	151	47	23
23	24-Apr	126	42	150	44	19
24	23-Apr	128	63	161	50	32
25	22-Apr	133	53	151	50	27
26	21-Apr	132	52	140	43	22
27	20-Apr	131	68	136	36	24
28	17-Apr	131	62	166	44	27
29	16-Apr	132	102	189	43	44
30	15-Apr	127	105	172	43	46
31	13-Apr	124	52	172	36	19
32	10-Apr	123	39	168	41	16
33	9-Apr	122	88	184	34	30
34	8-Apr	123	67	191	41	27
35	7-Apr	117	40	175	38	15
36	6-Apr	116	58	149	31	18
37	2-Apr	114	37	144	28	10
38	1-Apr	114	53	178	30	16
39	30-Mar	110	47	142	40	19
40	27-Mar	114	46	138	46	21
41	25-Mar	118	59	173	38	23
42	24-Mar	113	73	178	32	23
43	23-Mar	109	93	180	40	37
44	20-Mar	119	69	189	32	22

Daily Market Cap

Date	Total Market Cap	Change	Chg %
28-May	15,791c	39c	0.24
27-May	15,830c	372c	2.41
26-May	15,457c	47c	0.31
25-May	15,505c	91c	0.59
22-May	15,413c	85c	0.55
21-May	15,329c	644c	4.39
20-May	14,684c	39c	0.26
19-May	14,723c	720c	5.14
18-May	14,003c	390c	2.71
15-May	14,393c	155c	1.07
14-May	14,548c	177c	1.23
12-May	14,370c	695c	4.61
11-May	15,065c	186c	1.22
07-May	15,251c	455c	3.07
06-May	14,797c	79c	0.53
05-May	14,876c	365c	2.51
04-May	14,511c	131c	0.91
30-Apr	14,380c	398c	2.69
29-Apr	14,778c	621c	4.39
28-Apr	14,157c	372c	2.70
24-Apr	13,785c	650c	4.50
23-Apr	14,434c	156c	1.07
22-Apr	14,591c	0	0
21-Apr	14,591c	41c	0.28
20-Apr	14,631c	206c	1.43
17-Apr	14,426c	441c	3.15
15-Apr	13,985c	0	0

Stock Checklist

Price is above from 52 week high low average: 94%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

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