The Jammu & Kashmir Bank Limited
NSE: J&KBANK · Private Sector Bank
Snapshot
Unlock The Jammu & Kashmir Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jammu & Kashmir Bank Ltd. is a scheduled commercial bank providing a comprehensive range of retail, corporate, and treasury banking services. Headquartered in Srinagar, it maintains a significant presence across India through an extensive network of branches and ATMs.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from insurance products, merchant acquiring services, and card operations. It serves a diverse client base including government bodies, farmers, artisans, and corporate enterprises.
- Branches:980
- ATMs:1404
Growth Outlook
Growth is driven by the expansion of specialised financing schemes for the tourism, agriculture, and small business sectors. The bank continues to leverage its deep penetration in the Jammu and Kashmir region while scaling its digital banking and credit offerings.
Key Risks
- Geopolitical Risk. The bank's heavy concentration in the Jammu and Kashmir region makes it susceptible to regional political instability and civil unrest.
- Asset Quality Risk. Exposure to agricultural and small-scale business loans carries inherent risks of default, particularly during economic downturns or adverse weather conditions.
- Regulatory Risk. As a scheduled commercial bank, it is subject to stringent oversight by the Reserve Bank of India, which may impact operational flexibility and capital requirements.
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Key Metrics
REVENUE
₹13,085 Cr
TTM · standalone
NET PROFIT
₹2,359 Cr
TTM · consolidated
EPS
₹21.44
TTM · consolidated
P/E
5.6×
Q2 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹12,905 Cr | 5.6× | — | 7.0% | — | 14.8% | — | +12.2% |
The South Indian Bank LimitedSOUTHBANK | ₹14,535 Cr | 9.0× | — | — | — | 13.1% | — | +48.9% |
Tamilnad Mercantile Bank LimitedTMB | ₹12,689 Cr | 7.9× | — | — | — | — | — | +57.2% |
The Karnataka Bank LimitedKTKBANK | ₹11,284 Cr | 7.3× | — | — | — | 11.2% | — | +67.4% |
DCB Bank LimitedDCBBANK | ₹6,205 Cr | 7.2× | — | — | — | 13.0% | — | +19.1% |
CSB Bank LimitedCSBBANK | ₹5,133 Cr | 7.5× | — | — | — | 13.9% | — | -28.4% |
As of Q3 FY26
Financials
The Jammu & Kashmir Bank Limited
NSE: J&KBANK · Private Sector Bank
Snapshot
Unlock The Jammu & Kashmir Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jammu & Kashmir Bank Ltd. is a scheduled commercial bank providing a comprehensive range of retail, corporate, and treasury banking services. Headquartered in Srinagar, it maintains a significant presence across India through an extensive network of branches and ATMs.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from insurance products, merchant acquiring services, and card operations. It serves a diverse client base including government bodies, farmers, artisans, and corporate enterprises.
- Branches:980
- ATMs:1404
Growth Outlook
Growth is driven by the expansion of specialised financing schemes for the tourism, agriculture, and small business sectors. The bank continues to leverage its deep penetration in the Jammu and Kashmir region while scaling its digital banking and credit offerings.
Key Risks
- Geopolitical Risk. The bank's heavy concentration in the Jammu and Kashmir region makes it susceptible to regional political instability and civil unrest.
- Asset Quality Risk. Exposure to agricultural and small-scale business loans carries inherent risks of default, particularly during economic downturns or adverse weather conditions.
- Regulatory Risk. As a scheduled commercial bank, it is subject to stringent oversight by the Reserve Bank of India, which may impact operational flexibility and capital requirements.
Start your research today
Unlock AI insights, financials, peers and live data on The Jammu & Kashmir Bank Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹13,085 Cr
TTM · standalone
NET PROFIT
₹2,359 Cr
TTM · consolidated
EPS
₹21.44
TTM · consolidated
P/E
5.6x
Q2 FY27 · consolidated
NET PROFIT MARGIN
17.7%
Q3 FY26 · standalone
Peers · Private Sector Bank
As of Q3 FY26