The Jammu & Kashmir Bank Limited

Web: jkb.bank.in NSE: J&KBANK BSE: 532209 SECTOR: Financial Services - Banks | Add Note | View Notes

152 2(2%)

Volume

36L as on 03, Sep

Open

112

High

101

Low

150

VWAP

149

52 Week High

202

52 Week Low

Viand Research Rating

Quality Score

40/100

Growth Score

12/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

16,761

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

8.35%

DII Holding

Price Chart

Price Performance

1 Week2%

1 Month4%

3 Months1%

6 Months25%

1 Year50%

YTD48%

Moving Average

5 Day SMA148

10 Day SMA149

20 Day SMA151

30 Day SMA155

50 Day SMA162

61 Day SMA161

80 Day SMA156

200 Day SMA130

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	151	146	149	152
Resistance 2	149	145	148	150
Resistance 1	147	145	147	148
Pivot Point	145	144	145	146
Support 1	143	144	144	144
Support 2	142	144	143	142
Support 3	139	143	142	140

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	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%	(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	(0.21) 8.35%	(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	(0.21) 6.00%	(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	26.26%	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	240,539	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

	Mar 2026	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	3273	3315	3293	3269	3213	3210	3124	2994	2910	2881	2764	2657	2512	2441	2299	2103	2012	2020	1990	1990
Sales Growth % (YoY)	1.9%	3.3%	5.4%	9.2%	10.4%	11.4%	13%	12.7%	15.8%	18%	20.2%	26.3%	24.8%	20.8%	15.5%	5.7%	3.1%	-2.7%	-	-
Sales Growth % (QoQ)	-1.3%	0.7%	0.7%	1.7%	0.1%	2.8%	4.3%	2.9%	1%	4.2%	4%	5.8%	2.9%	6.2%	9.3%	4.5%	-0.4%	1.5%	-	-
Expenses	889	964	958	1061	1075	996	980	954	705	906	982	1062	793	984	945	1003	800	858	1034	1009
Operating Profit	600	527	477	406	406	516	456	415	602	375	352	221	457	274	259	31	176	135	-60	-40
OPM %	18	16	14	12	13	16	15	14	21	13	13	8	18	11	11	1	9	7	-3	-2
Other Income	262	280	157	253	403	242	301	198	229	186	193	230	168	244	148	205	-56	173	196	223
Interest	1784	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	0
Profit before tax	862	807	635	659	810	758	757	614	830	561	545	452	625	518	407	236	120	308	136	183
Tax %	7	27	22	26	28	30	27	32	23	25	30	28	24	40	40	30	6	43	18	43
Net Profit	799	581	495	485	582	529	553	418	633	423	384	331	473	307	240	161	119	169	107	100
Net Profit Growth % (QoQ)	37.5%	17.4%	2.1%	-16.7%	10%	-4.3%	32.3%	-34%	49.6%	10.2%	16%	-30%	54.1%	27.9%	49.1%	35.3%	-29.6%	57.9%	7%	-
Net Profit Growth % (YoY)	37.3%	9.8%	-10.5%	16%	-8.1%	25.1%	44%	26.3%	33.8%	37.8%	60%	105.6%	297.5%	81.7%	124.3%	61%	-	-	-	-
TTM Net Profit	2360	2143	2091	2149	2082	2133	2027	1858	1771	1611	1495	1351	1181	827	689	556	495	376	207	0
EPS in Rs	7.25	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 2026	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	13151	12541	11213	9355	8013	8111	8446	7676	6621	6686	6844	7061	6767	6137
Sales Growth %	4.9%	11.8%	19.9%	16.8%	-1.2%	-4%	10%	15.9%	-1%	-2.3%	-3.1%	4.4%	10.3%	26.9%
Expenses	3869	3840	3437	3567	3774	3802	5234	3439	3154	4431	2466	2336	1250	1226
Operating Profit	2013	1960	1768	1178	137	-30	-1527	-55	-283	-1919	245	316	1435	1091
OPM %	15	16	16	13	2	0	-18	-1	-4	-29	4	4	21	18
Other Income	951	1147	838	765	753	701	509	817	501	497	509	599	393	485
Interest	7269	6741	6008	4609	4101	4340	4739	4291	3750	4173	4132	4409	4082	3820
Depreciation	0	168	218	158	144	134	126	104	97	85	64	95	78	50
Profit before tax	2964	2939	2388	1786	747	537	-1144	659	121	-1507	689	820	1750	1526
Tax %	20	29	26	33	32	19	3	30	-68	8	40	38	33	31
Net Profit	2360	2082	1771	1181	495	428	-1183	464	203	-1633	414	508	1181	1055
Net Profit Growth %	13.4%	17.6%	50%	138.6%	15.7%	136.2%	-355%	128.6%	112.4%	-494.4%	-18.5%	-57%	11.9%	-
EPS in Rs	21.43	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 %	0	11	13	4	0	0	0	0	0	0	20	20	21	23

Cash Flows

	Mar 2026	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	-1126	2723	-853	-407	-1568	-14	4374	-2992	2363	2457	-219	118	-683	1280
Cash from Investing Activity	-302	-102	-257	-124	-85	-76	-115	-165	-164	-861	-136	-261	-169	-86
Cash from Financing Activity	-500	-1034	407	638	941	-199	-339	769	668	593	-176	-338	-338	-243
Net Cash Flow	-1928	1587	-702	107	-712	-289	3920	-2388	2867	2189	-531	-480	-1189	951

Balance Sheet

	Mar 2026	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	110	103	93	71	71	56	56	52	48	48	48	48
Reserves	16390	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	0
Other Liabilities	3687	5291	4280	5359	4664	11097	5425	3408	2678	2522	1894	2604	2214	1726	1797	1583
Total Liabilities	188960	174627	169424	159456	154505	145913	130576	120273	108829	101405	89684	82012	80254	75910	78613	71734
Fixed Assets	2533	2187	2126	2229	2208	2224	1908	1971	2036	1646	1598	1479	706	655	508	444
CWIP	0	0	66	0	50	47	46	41	35	29	17	64	59	34	27	13
Investments	40520	44209	41122	38656	34900	34780	33785	30774	22990	23140	18860	21271	20334	22740	26185	25731
Other Assets	145906	128231	126110	118571	117347	108860	94837	87486	83768	76589	69210	59198	59156	52481	51893	45547
Total Assets	188960	174627	169424	159456	154505	145913	130576	120273	108829	101405	89684	82012	80254	75910	78613	71734

Delivery

Delivery Data: J&KBANK

#	Date	144 40% 202	Value (Cr)	Q/T 121	Del 42	Del 94
1	4-Sep	150	28	75	48	14
2	3-Sep	150	55	77	42	23
3	2-Sep	144	27	60	53	14
4	1-Sep	147	38	116	30	12
5	31-Aug	148	34	72	59	20
6	28-Aug	150	13	63	46	6
7	27-Aug	152	21	89	53	11
8	26-Aug	152	47	82	64	30
9	25-Aug	150	43	119	39	17
10	24-Aug	146	16	63	53	8
11	21-Aug	149	15	51	56	9
12	20-Aug	148	21	61	52	11
13	19-Aug	149	21	61	49	10
14	18-Aug	150	38	86	44	17
15	17-Aug	148	84	81	55	46
16	14-Aug	155	20	75	46	9
17	13-Aug	158	24	80	37	9
18	12-Aug	157	22	84	40	9
19	11-Aug	157	25	74	35	9
20	10-Aug	155	47	98	46	22
21	7-Aug	159	36	95	54	19
22	6-Aug	160	104	135	36	38
23	5-Aug	156	50	130	38	19
24	4-Aug	158	73	143	52	38
25	3-Aug	156	97	115	48	47
26	31-Jul	156	74	141	44	32
27	30-Jul	154	207	154	23	48
28	29-Jul	155	595	155	31	182
29	28-Jul	177	67	117	49	33
30	27-Jul	178	60	115	46	27
31	24-Jul	173	40	109	39	16
32	23-Jul	173	68	126	47	32
33	22-Jul	180	95	190	63	59
34	21-Jul	187	171	168	46	79
35	20-Jul	182	83	99	44	36
36	17-Jul	183	117	117	31	36
37	16-Jul	178	59	100	42	25
38	15-Jul	183	206	154	20	40
39	14-Jul	177	61	117	32	20
40	13-Jul	183	202	131	33	68
41	10-Jul	193	424	173	33	138
42	9-Jul	168	71	116	51	36
43	8-Jul	166	178	132	36	64
44	7-Jul	164	50	83	48	24
45	6-Jul	164	33	93	53	17
46	3-Jul	165	75	98	56	42
47	2-Jul	165	128	158	37	48
48	1-Jul	156	74	138	49	36
49	30-Jun	155	53	97	50	27
50	29-Jun	160	59	87	53	31

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	16,761c	247c	1.49
03-Sep	16,514c	147c	0.89
01-Sep	16,368c	71c	0.43
31-Aug	16,439c	323c	1.92
26-Aug	16,761c	311c	1.89
25-Aug	16,451c	346c	2.15
24-Aug	16,105c	301c	1.83
21-Aug	16,405c	101c	0.61
19-Aug	16,507c	55c	0.33
18-Aug	16,562c	242c	1.48
17-Aug	16,320c	760c	4.45
14-Aug	17,079c	253c	1.46
13-Aug	17,333c	0	0
12-Aug	17,333c	197c	1.15
11-Aug	17,136c	164c	0.95
10-Aug	17,300c	260c	1.48
07-Aug	17,560c	115c	0.65
06-Aug	17,674c	357c	2.06
04-Aug	17,317c	111c	0.65
31-Jul	17,206c	326c	1.93
30-Jul	16,880c	3,026c	15.20
29-Jul	19,906c	306c	1.56
28-Jul	19,600c	105c	0.54
27-Jul	19,495c	0	0

Stock Checklist

Price is above from 52 week high low average: 53%

Stock is trading above all short term SMAs: NO

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

Mutual Fund Holdings

Held by 126 fund scheme(s) across 24 fund house(s) as of Aug26 · Total value ₹18,686 Cr · 51 increasing / 24 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Aditya Birla Sun Life Mutual Fund	6	2.10%	+3.96%	9019.5
Kotak Mahindra Mutual Fund	16	1.20%	-0.26%	3543.9
SBI Mutual Fund	9	1.10%	+0.43%	3176.4
Tata Mutual Fund	4	2.21%	+3.51%	2394.1
Bandhan Mutual Fund	8	0.51%	+0.52%	203.4
Motilal Oswal Mutual Fund	14	0.41%	+0.81%	104.6
Baroda BNP Paribas Mutual Fund	4	0.94%	+0.22%	73
Groww Mutual Fund	12	0.93%	-0.18%	33.9
JM Financial Mutual Fund	2	2.01%	-0.37%	32.5
Samco Mutual Fund	8	0.97%	-	28.2
Capitalmind Mutual Fund	2	2.75%	+2.75%	24.8
Nippon India Mutual Fund	4	0.30%	+0.03%	23.7
Jio BlackRock Mutual Fund	2	0.37%	+0.35%	13.6
HDFC Mutual Fund	6	0.18%	-	5.7
ICICI Prudential Mutual Fund	4	0.29%	-	4.9
Edelweiss Mutual Fund	2	0.32%	+0.03%	1.7
UTI Mutual Fund	2	0.35%	+0.35%	0.9
Navi Mutual Fund	6	0.45%	+0.22%	0.7
Axis Mutual Fund	2	0.03%	-	0.2
DSP Mutual Fund	4	0.20%	+0.04%	0.1
Angel One Mutual Fund	2	0.03%	-	0
Mirae Asset Mutual Fund	2	0.04%	-	0
Zerodha Mutual Fund	1	0.20%	-	0
ITI Mutual Fund	4	0.00%	-0.87%	0

The Jammu & Kashmir Bank Limited

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