The Jammu & Kashmir Bank Limited

Web: jkb.bank.in NSE: J&KBANK BSE: 532209 SECTOR: Financial Services - Banks

174 6(-3%)

Volume

52L as on 22, Jul

Open

112

High

101

Low

180

VWAP

182

52 Week High

202

52 Week Low

Viand Research Rating

Quality Score

40/100

Growth Score

12/100

Valuation Score

50/100

Momentum Score

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

19,189

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 Month11%

3 Months35%

6 Months68%

1 Year61%

YTD78%

Moving Average

5 Day SMA182

10 Day SMA181

20 Day SMA171

30 Day SMA167

50 Day SMA156

61 Day SMA152

80 Day SMA145

200 Day SMA122

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	202	190	197	202
Resistance 2	197	189	193	197
Resistance 1	192	188	191	192
Pivot Point	187	187	187	187
Support 1	182	186	183	182
Support 2	177	185	181	177
Support 3	172	184	177	172

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	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

#	Date	126 60% 202	Value (Cr)	Q/T 123	Del 41	Del 74
1	22-Jul	180	95	190	63	59
2	21-Jul	187	171	168	46	79
3	20-Jul	182	83	99	44	36
4	17-Jul	183	117	117	31	36
5	16-Jul	178	59	100	42	25
6	15-Jul	183	206	154	20	40
7	14-Jul	177	61	117	32	20
8	13-Jul	183	202	131	33	68
9	10-Jul	193	424	173	33	138
10	9-Jul	168	71	116	51	36
11	8-Jul	166	178	132	36	64
12	7-Jul	164	50	83	48	24
13	6-Jul	164	33	93	53	17
14	3-Jul	165	75	98	56	42
15	2-Jul	165	128	158	37	48
16	1-Jul	156	74	138	49	36
17	30-Jun	155	53	97	50	27
18	29-Jun	160	59	87	53	31
19	25-Jun	158	49	56	55	27
20	24-Jun	160	53	97	57	30
21	23-Jun	160	35	74	48	17
22	22-Jun	162	35	78	46	16
23	19-Jun	164	50	118	46	23
24	18-Jun	163	56	106	44	25
25	17-Jun	163	42	125	38	16
26	16-Jun	162	58	78	45	26
27	15-Jun	160	101	93	46	47
28	12-Jun	157	59	136	40	24
29	11-Jun	153	38	97	40	15
30	10-Jun	154	63	79	46	29
31	9-Jun	157	159	181	41	65
32	8-Jun	148	57	117	46	26
33	5-Jun	148	34	105	37	13
34	4-Jun	148	60	123	45	27
35	3-Jun	149	193	169	38	74
36	2-Jun	142	36	98	46	17
37	1-Jun	142	67	126	38	25
38	29-May	140	44	117	49	22
39	27-May	144	61	137	46	28
40	26-May	140	31	89	52	16
41	25-May	141	39	138	55	21
42	22-May	140	41	136	42	17
43	21-May	140	94	137	53	50
44	20-May	134	38	115	32	12
45	19-May	133	45	130	41	18
46	18-May	128	30	114	45	13
47	15-May	131	21	93	42	9
48	14-May	132	44	123	36	16

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	19,189c	412c	2.10
22-Jul	19,601c	1,189c	5.72
21-Jul	20,790c	585c	2.89
17-Jul	20,206c	649c	3.32
16-Jul	19,557c	991c	4.82
15-Jul	20,548c	823c	4.17
14-Jul	19,726c	370c	1.84
13-Jul	20,096c	594c	3.04
10-Jul	19,502c	859c	4.61
09-Jul	18,643c	330c	1.80
08-Jul	18,313c	160c	0.88
07-Jul	18,153c	99c	0.55
06-Jul	18,054c	336c	1.90
02-Jul	17,718c	628c	3.67
01-Jul	17,090c	83c	0.49
30-Jun	17,008c	553c	3.15
29-Jun	17,561c	123c	0.71
26-Jun	17,437c	3c	0.02
25-Jun	17,441c	80c	0.46
24-Jun	17,521c	65c	0.37
23-Jun	17,586c	319c	1.78
22-Jun	17,905c	154c	0.85
19-Jun	18,059c	121c	0.68
18-Jun	17,938c	36c	0.20
17-Jun	17,902c	60c	0.33
16-Jun	17,843c	224c	1.27
15-Jun	17,619c	275c	1.59
12-Jun	17,344c	340c	2.00
11-Jun	17,003c	176c	1.03
10-Jun	17,180c	0	0

Stock Checklist

Price is above from 52 week high low average: 47%

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

Mutual Fund Holdings

Held by 96 fund scheme(s) across 20 fund house(s) as of Jul26 · Total value ₹6,562 Cr · 31 increasing / 2 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Kotak Mahindra Mutual Fund	16	7.85%	+1.31%	3518.3
SBI Mutual Fund	6	1.38%	-	2795.2
ITI Mutual Fund	4	0.85%	+0.06%	62.6
Baroda BNP Paribas Mutual Fund	4	0.79%	-	56.8
JM Financial Mutual Fund	2	2.38%	-	32.3
Samco Mutual Fund	8	0.87%	+0.62%	28.2
Groww Mutual Fund	12	1.50%	-	27.7
Nippon India Mutual Fund	4	0.25%	-	19.3
Motilal Oswal Mutual Fund	6	0.12%	-	8.3
HDFC Mutual Fund	6	0.15%	+0.02%	5.5
ICICI Prudential Mutual Fund	4	0.18%	+0.03%	4.8
Edelweiss Mutual Fund	2	0.29%	-	1.1
Jio BlackRock Mutual Fund	1	0.29%	-	1
Bandhan Mutual Fund	4	0.16%	-	0.5
Navi Mutual Fund	6	0.68%	-	0.4
Axis Mutual Fund	2	0.03%	-	0.1
DSP Mutual Fund	4	0.16%	-	0
Zerodha Mutual Fund	1	0.17%	+0.03%	0
Angel One Mutual Fund	2	0.03%	-	0
Mirae Asset Mutual Fund	2	0.03%	-	0

The Jammu & Kashmir Bank Limited

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