J&K Bank

Who are in the management team of J&K Bank?

As of March 2023, the management team of J&K Bank includes Baldev Prakash (MD & CEO), Mohammad Shafi Mir (Company Secretary), R K Chhibber (Director), Sudhir Gupta (Executive Director), and additional directors Pawan Kotwal and Mandeep Kumar Bhandari, along with several independent directors. This team is responsible for the bank's governance and strategic direction.

As of March 2023, the management team of J&K Bank includes the following individuals:<BR><BR>1. **Baldev Prakash** - Managing Director & CEO<BR>2. **Mohammad Shafi Mir** - Company Secretary & Compliance Officer<BR>3. **R K Chhibber** - Director<BR>4. **Sudhir Gupta** - Executive Director<BR>5. **Pawan Kotwal** - Additional Director<BR>6. **MANDEEP KUMAR BHANDARI** - Additional Director<BR><BR>Additionally, the board features several independent directors:<BR>1. **Rajeev Lochan Bishnoi**<BR>2. **Anil Kumar Goel**<BR>3. **Umesh Chandra Pandey**<BR>4. **Naba Kishore Sahoo**<BR>5. **Anand Kumar**<BR>6. **Shahla Ayoub**<BR><BR>This diverse team plays a crucial role in the governance and strategic direction of the bank.

Has J&K Bank declared dividend?

Yes, J&K Bank has declared a 215% dividend, amounting to ₹2.15 per share, with an ex-date of August 9, 2024. The bank's total returns have shown significant growth over longer periods, despite some short-term fluctuations.

The Jammu & Kashmir Bank Ltd. has declared a 215% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 215%<BR>- Amount per share: 2.15 per share<BR>- Ex-date: 09 Aug 2024<BR><BR>Dividend Yield: 2.06%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 1.52%, with a dividend return of 0%, resulting in a total return of 1.52%.<BR><BR>For the 1-year period, the price return was -9.53%, the dividend return was 1.77%, leading to a total return of -7.76%.<BR><BR>Over the 2-year period, the price return was 90.33%, with a dividend return of 3.79%, culminating in a total return of 94.12%.<BR><BR>In the 3-year period, the price return was 269.91%, the dividend return was 8.76%, resulting in a total return of 278.67%.<BR><BR>For the 4-year period, the price return was 268.03%, with a dividend return of 5.21%, leading to a total return of 273.24%.<BR><BR>In the 5-year period, the price return was 645.18%, the dividend return was 11.94%, culminating in a total return of 657.12%.<BR><BR>Overall, J&K Bank has declared a significant dividend, and the total returns over various periods show substantial growth, particularly over longer durations, indicating a strong performance despite some short-term fluctuations.

Who are the peers of the J&K Bank?

J&K Bank's peers include HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, South Ind. Bank, Karnataka Bank, T N Merc. Bank, CSB Bank, and DCB Bank. J&K Bank has good management and growth ratings but a low 1-year return of -22.97%, significantly below its peers, with ICICI Bank leading at 24.06%.

Peers: The peers of J&K Bank are HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, South Ind.Bank, Karnataka Bank, T N Merc. Bank, CSB Bank, and DCB Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at HDFC Bank and ICICI Bank, while Good management risk is found at J&K Bank, Axis Bank, South Ind.Bank, Karnataka Bank, and DCB Bank, and Average management risk is seen at IDBI Bank, T N Merc. Bank, and CSB Bank. Excellent growth is noted at HDFC Bank, ICICI Bank, and CSB Bank, while Good growth is found at J&K Bank, Kotak Mah. Bank, Axis Bank, South Ind.Bank, Karnataka Bank, and DCB Bank, and Average growth is observed at T N Merc. Bank. Excellent capital structure is present at HDFC Bank, ICICI Bank, Axis Bank, IDBI Bank, South Ind.Bank, T N Merc. Bank, CSB Bank, and DCB Bank, while Good capital structure is seen at J&K Bank, Kotak Mah. Bank, and Karnataka Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is ICICI Bank at 24.06%, while J&K Bank has the lowest at -22.97%. J&K Bank's return is significantly lower than its peers. Additionally, Karnataka Bank and T N Merc. Bank have negative six-month returns.

What does J&K Bank do?

Jammu & Kashmir Bank Ltd. is a mid-cap private sector bank established in 1938, serving as an agency bank for the Government of Jammu & Kashmir and Ladakh. As of March 2025, it reported net sales of ₹3,211.85 crore and a net profit of ₹585 crore.

Overview:<BR>The Jammu & Kashmir Bank Ltd. is a Scheduled Commercial Bank operating in the private sector, categorized as a mid-cap entity.<BR><BR>History:<BR>Incorporated in October 1938, J&K Bank is one of the oldest private sector banks in India. It is designated as an agency bank by the Reserve Bank of India for conducting banking business for the Government of Jammu & Kashmir and Ladakh. The latest quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,211.85 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 585 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 12,564 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 1.90% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Address: Moulana Azad Road, Srinagar Jammu & Kashmir: 190001 <BR>Phone: 91-194-2481930-35 Extn 1541-1547 <BR>Email: sharedeptt_gc@jkbmail.com <BR>Website: http://www.jkbank.net

Who are the top shareholders of the J&K Bank?

The top shareholders of J&K Bank include the Chief Secretary of Jammu and Kashmir with 51.89%, followed by foreign institutional investors at 8.01%, mutual funds at 3.49%, and Kotak Mahindra Trustee Co Ltd at 3.27%. Individual investors collectively hold 21.26% of the bank's shares.

The top shareholders of J&K Bank include the Chief Secretary of the Jammu and Kashmir Government, who holds the largest stake at 51.89%. Other significant shareholders include mutual funds, which collectively hold 3.49% through 15 schemes, and foreign institutional investors (FIIs), who own 8.01% through 161 FIIs. The highest public shareholder is Kotak Mahindra Trustee Co Ltd, which holds 3.27%. Additionally, individual investors collectively account for 21.26% of the bank's shares.

How big is J&K Bank?

As of 24th July, Jammu & Kashmir Bank Ltd. has a market capitalization of 12,333.00 Cr and reported a net profit of 2,082.46 Cr for the latest four quarters, with total assets valued at 1,54,526.59 Cr. There is no valid net sales data available.

As of 24th July, <BR><BR>Market Cap: The Jammu & Kashmir Bank Ltd. has a market capitalization of 12,333.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for summing, resulting in a figure of 0.00 Cr. However, the Net Profit for the latest four quarters is 2,082.46 Cr.<BR><BR>Balance Sheet Snapshot: The latest annual reporting period is March 2024. Shareholder's Funds stand at 12,235.68 Cr, while Total Assets are valued at 1,54,526.59 Cr.

When is the next results date for J&K Bank?

The next results date for J&K Bank is 18 October 2025.

The next results date for J&K Bank is scheduled for 18 October 2025.

Is J&K Bank overvalued or undervalued?

As of October 16, 2025, J&K Bank is considered attractive and undervalued with a PE ratio of 5.46, a Price to Book Value of 0.80, and a PEG ratio of 0.34, outperforming the Sensex with a 3-year return of 275.88%.

As of 16 October 2025, the valuation grade for J&K Bank has moved from very attractive to attractive. The company is currently considered undervalued. Key ratios include a PE ratio of 5.46, a Price to Book Value of 0.80, and a PEG ratio of 0.34. In comparison to its peers, SBI is deemed expensive with a PE ratio of 11.21, while Bank of Baroda is attractive with a PE of 7.00.<BR><BR>J&K Bank's strong performance is further highlighted by its return on equity of 14.56% and a net NPA to book value of 5.61%. The stock has outperformed the Sensex over various periods, notably with a 3-year return of 275.88% compared to the Sensex's 44.11%, reinforcing its undervaluation narrative.

Is J&K Bank technically bullish or bearish?

As of December 1, 2025, J&K Bank's technical trend is mildly bullish, supported by bullish daily moving averages and a bullish weekly MACD, despite mixed signals from the monthly MACD and KST.

As of 1 December 2025, the technical trend for J&K Bank has changed from bullish to mildly bullish. The weekly MACD remains bullish, while the monthly MACD is mildly bearish, indicating mixed signals across time frames. The daily moving averages are bullish, supporting the mildly bullish stance. The Bollinger Bands show a bullish trend on the monthly chart but are sideways on the weekly, suggesting some consolidation. The KST is bullish weekly but mildly bearish monthly, further contributing to the mixed outlook. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages and the weekly MACD.

How has been the historical performance of J&K Bank?

J&K Bank has shown consistent growth from March 2021 to March 2025, with significant increases in interest earned, net interest income, total income, and profits, alongside an expansion in total assets and liabilities. Overall, the bank's performance reflects strong financial health and profitability.

Answer:<BR>The historical performance of J&K Bank shows a consistent growth trend in various financial metrics over the years, particularly from March 2021 to March 2025.<BR><BR>Breakdown:<BR>J&K Bank's interest earned has increased significantly from INR 8,111.09 crore in March 2021 to INR 12,535.86 crore in March 2025, indicating a strong upward trajectory. The net interest income also rose from INR 3,770.78 crore in March 2021 to INR 5,793.82 crore in March 2025, reflecting improved profitability. The total income followed a similar trend, growing from INR 8,803.17 crore in March 2021 to INR 13,672.67 crore in March 2025. Profit before tax surged from INR 534.07 crore in March 2021 to INR 2,933.70 crore in March 2025, while profit after tax increased from INR 432.12 crore to INR 2,082.46 crore over the same period. The bank's total assets expanded from INR 1,20,291.95 crore in March 2021 to INR 1,69,468.46 crore in March 2025, and total liabilities also grew from INR 1,20,291.95 crore to INR 1,69,468.46 crore. Cash and cash equivalents improved, with a closing balance of INR 9,759 crore in March 2025, up from INR 9,497 crore in March 2021. Overall, J&K Bank has demonstrated robust growth in income, profit, and asset management, positioning itself favorably in the financial landscape.

Are The Jammu & Kashmir Bank Ltd. latest results good or bad?

The latest results for The Jammu & Kashmir Bank Ltd. are positive, with a net profit of ₹586.73 crores and improved asset quality, including a gross NPA ratio of 3.00%. However, despite strong operational metrics, the stock has underperformed in the market, indicating cautious sentiment.

The latest results for The Jammu & Kashmir Bank Ltd. indicate a positive performance overall. In the third quarter of FY26, the bank reported a net profit of ₹586.73 crores, which reflects an impressive 18.74% increase quarter-on-quarter and a 10.39% increase year-on-year. This marks the highest quarterly profit for the bank, showcasing strong operational improvement.<BR><BR>Additionally, the bank's asset quality has significantly improved, with the gross non-performing assets (NPA) ratio declining to 3.00%, the lowest in eight quarters, and the net NPA ratio at a mere 0.68%. These figures highlight effective credit monitoring and recovery efforts.<BR><BR>The return on equity (ROE) stands at a robust 13.80%, indicating strong profitability and capital efficiency compared to many peers. Moreover, the bank's provision coverage ratio remains high at 90.39%, providing a solid buffer against potential credit losses.<BR><BR>While the fundamentals appear strong, it's worth noting that the bank's stock has faced bearish technical trends and has underperformed compared to the private banking sector over the past year. This suggests that while the operational metrics are encouraging, market sentiment may still be cautious.<BR><BR>In summary, the latest results can be considered good, reflecting a solid turnaround in performance and asset quality, though investors should remain aware of the broader market dynamics affecting the stock.

Should I buy, sell or hold The Jammu & Kashmir Bank Ltd.?

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 17-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a stock price decline to 120.75, down 2.35%, due to underperformance relative to its sector and reduced investor participation. Despite strong long-term returns, current market conditions are negatively impacting its price.

As of 17-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a decline in its stock price, currently at 120.75, which reflects a change of -2.9 or -2.35%. This drop can be attributed to several factors highlighted in the source data. <BR><BR>Today, the stock underperformed its sector by 2.3%, indicating a weaker performance relative to its peers. Additionally, the stock touched an intraday low of Rs 119.2, which represents a decrease of 3.6%. The weighted average price suggests that more volume was traded closer to this low price, indicating selling pressure. Furthermore, there has been a notable decline in investor participation, with delivery volume falling by 9.38% compared to the 5-day average, which may signal reduced interest from investors.<BR><BR>Despite the stock's strong long-term performance, with a 29.28% return over the past year and significant growth in net profit, the current market conditions and investor sentiment appear to be negatively impacting its price. The stock is still trading above its longer-term moving averages, but it is below its 5-day moving average, which could suggest a short-term bearish trend. Overall, these factors contribute to the current decline in The Jammu & Kashmir Bank Ltd.'s stock price.

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 18-Mar, The Jammu & Kashmir Bank Ltd. is seeing a stock price increase to 123.45, driven by strong performance metrics, including a 17.46% rise over the past month and a 32.03% increase over the past year, outperforming the Sensex significantly. Despite a decline in investor participation, the stock remains liquid, supported by solid financial indicators.

As of 18-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 123.45, reflecting an increase of 2.35 (1.94%). This upward movement can be attributed to several factors highlighted in the recent performance data. <BR><BR>Over the past month, the stock has shown a significant increase of 17.46%, contrasting sharply with the Sensex, which has decreased by 8.40%. Year-to-date, the stock has also outperformed the benchmark with a gain of 23.08% compared to the Sensex's decline of 9.99%. Furthermore, the stock has delivered impressive returns over the past year, rising by 32.03%, while the Sensex has only increased by 1.86%. <BR><BR>Today's performance indicates that the stock has outperformed its sector by 1.17%, and it reached an intraday high of Rs 124.45, which is a 2.77% increase. The stock is also close to its 52-week high, being only 4.05% away from Rs 128.45. <BR><BR>Despite a noted decline in investor participation, with delivery volume falling by 29.37% against the 5-day average, the stock remains liquid enough for trading, indicating ongoing interest. The bank's strong lending practices, reflected in a low Gross NPA ratio of 3.00%, and a healthy long-term growth rate in net profit of 69.76% further support the stock's positive trajectory. <BR><BR>Overall, the combination of strong historical performance, positive financial indicators, and market-beating returns contributes to the rising stock price of The Jammu & Kashmir Bank Ltd.

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 19-Mar, The Jammu & Kashmir Bank Ltd. is seeing a stock price decline to 118.65, down 3.89%, due to sector underperformance, reduced investor participation, and broader market conditions. Despite strong long-term performance, current trends indicate short-term weakness.

As of 19-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a decline in its stock price, currently at 118.65, which reflects a change of -4.8 (-3.89%). This drop can be attributed to several factors. Firstly, the stock has underperformed its sector by -1.11% today and opened with a loss of -2.03%. Additionally, it touched an intraday low of Rs 117.6, indicating significant selling pressure.<BR><BR>The broader market context also plays a role, as the public banking sector has fallen by -2.7%. Furthermore, there has been a notable decrease in investor participation, with delivery volume dropping by -35.61% compared to the 5-day average. This decline in trading activity suggests a lack of confidence among investors.<BR><BR>Despite the stock's strong long-term performance, with a 27.54% return over the past year and impressive growth metrics, the current market conditions and sector performance are contributing to the stock's downward movement. The stock is still trading above its longer-term moving averages, but it is lower than the 5-day moving average, indicating short-term weakness. Overall, the combination of sector underperformance, reduced investor participation, and immediate market conditions are driving the stock price lower.

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 20-Mar, The Jammu & Kashmir Bank Ltd. is seeing a slight increase in its stock price to 118.75, driven by strong lending practices, a low Gross NPA ratio of 3.00%, and a significant annual net profit growth rate of 69.76%. Despite some short-term challenges, the stock's attractive valuation and long-term growth prospects support its upward trend.

As of 20-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a slight rise in its stock price, currently at 118.75, with a change of 0.1 (0.08%) upwards. This increase can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the bank has demonstrated strong lending practices, evidenced by a low Gross NPA ratio of 3.00%. Additionally, the company has shown healthy long-term growth, with a net profit growth rate of 69.76% annually. The stock is also considered to have a very attractive valuation, with a Return on Assets (ROA) of 1.2 and a Price to Book Value of 0.8, indicating that it is trading at a fair value compared to its peers.<BR><BR>Moreover, the stock has outperformed the broader market indices over various time frames, generating a return of 25.20% over the past year, which is significantly higher than the BSE500's performance. This market-beating performance over the long term, along with the positive growth indicators, supports the stock's rising price.<BR><BR>However, it is important to note that the stock has underperformed its sector today by -1.81%, and there has been a decline in investor participation, with delivery volume falling by 36.54% against the 5-day average. Despite these short-term challenges, the overall positive financial indicators and long-term growth prospects contribute to the stock's upward movement.

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 24-Mar, The Jammu & Kashmir Bank Ltd. is seeing a stock price increase to 113.35, driven by strong investor interest and positive market sentiment, alongside impressive financial performance and low NPA ratios. The stock has outperformed its sector and shows increased trading activity, indicating growing investor confidence.

As of 24-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 113.35, reflecting an increase of 4.1 or 3.75%. This upward movement can be attributed to several factors. Firstly, the stock opened with a gain of 3.57% today and reached an intraday high of Rs 114.8, indicating strong investor interest and positive market sentiment. Additionally, the stock has outperformed its sector by 2.71%, suggesting that it is performing better than its peers in the market.<BR><BR>Investor participation has also increased, with a delivery volume of 35.66 lacs on 23 March, which is up by 51.58% compared to the 5-day average delivery volume. This rise in trading activity indicates a growing confidence among investors in the stock. Furthermore, the company has demonstrated strong lending practices with a low Gross NPA ratio of 3.00% and a healthy long-term growth rate, as evidenced by a net profit growth of 69.76% annually.<BR><BR>The stock's valuation remains attractive, trading at a discount compared to its peers, with a Price to Book Value of 0.8. Over the past year, it has generated a return of 15.55%, significantly outperforming the BSE500 index over various time frames, including 3 years and 1 year. These factors collectively contribute to the stock's rising price, reflecting positive investor sentiment and strong underlying financial performance.

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 25-Mar, The Jammu & Kashmir Bank Ltd. is seeing a stock price increase to 117.35, up 3.76%, driven by strong financial performance and positive sector trends. The stock has outperformed benchmarks with a year-to-date gain of 17.00% and a one-year return of 22.61%, despite a slight decline in delivery volume.

As of 25-Mar, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 117.35, reflecting an increase of 4.25 or 3.76%. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 1.09% today and has shown a consecutive gain over the last two days, accumulating a total return of 7.41% during this period. Additionally, the stock reached an intraday high of Rs 119.7, indicating strong buying interest.<BR><BR>In terms of performance relative to benchmarks, the stock has demonstrated significant resilience, with a year-to-date increase of 17.00%, while the Sensex has declined by 11.67% during the same timeframe. Over the past year, The Jammu & Kashmir Bank Ltd. has generated a return of 22.61%, significantly outperforming the Sensex, which has only seen a decline of 3.52%. Furthermore, the bank's strong lending practices, evidenced by a low Gross NPA ratio of 3.00% and a healthy net profit growth rate of 69.76%, contribute positively to investor sentiment.<BR><BR>Despite a slight decline in delivery volume, which fell by 4.43% against the 5-day average, the stock remains liquid enough for trading, indicating ongoing interest from investors. Overall, the combination of strong financial performance, positive sector movement, and recent gains supports the rise in The Jammu & Kashmir Bank Ltd.'s stock price.

Which are the latest news on J&K Bank?