INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532209 |
| NSE Symbol |
J&KBANK |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE168A01041 |
| Name of bank |
JAMMU AND KASHMIR BANK LIMITED |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
05-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
29-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
05-05-2026
11:00:00 |
| End date and time of board meeting |
05-05-2026 15:40:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
2,45,217.00 |
9,70,831.00 |
|
Income on investments |
68,536.00 |
2,92,162.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
828.00 |
5,171.00 |
|
Others |
12,753.00 |
46,909.00 |
|
Total interest earned |
3,27,334.00 |
13,15,073.00 |
| 2 |
Other income |
26,245.00 |
95,065.00 |
| 3 |
Total income |
3,53,579.00 |
14,10,138.00 |
|
Expenses
|
| 4 |
Interest expenses |
1,78,400.00 |
7,26,862.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
51,121.00 |
2,48,683.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
32,799.00 |
1,35,374.00 |
|
Total other operating Expenses |
32,799.00 |
1,35,374.00 |
|
Total Operating Expenses |
83,920.00 |
3,84,057.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 2,62,320.00 |
11,10,919.00 |
| 7 |
Operating profit before provision and contingencies |
91,259.00 |
2,99,219.00 |
| 8 |
Provisions other than tax and contingencies |
5,026.00 |
2,861.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 86,233.00 |
2,96,358.00 |
| 11 |
Provision for Tax |
6,318.00 |
59,600.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
79,915.00 |
2,36,758.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
79,915.00 |
2,36,758.00 |
| 15 |
Share of profit (loss) of associates
| (59.00) |
(807.00) |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 79,856.00 |
2,35,951.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 11,013.00 |
11,013.00 |
|
Face value of equity share capital
| 1 |
1 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
14,86,902.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
59.400 |
59.400 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
13.3800 |
13.3800 |
|
| Additional Tier 1 ratio |
14.2800 |
14.2800 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 7.25 |
21.42 |
|
Diluted earnings per share before extraordinary items
| 7.25 |
21.42 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 7.25 |
21.42 |
|
Diluted earnings per share after extraordinary items
| 7.25 |
21.42 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 3,12,484.00 |
3,12,484.00 |
|
Amount of net non-performing assets
| 78,513.00 |
78,513.00 |
|
% of gross NPAs |
2.500 |
2.500 |
|
% of net NPAs
| 0.6400 |
0.6400 |
|
Return on assets
| 1.7800 |
1.7800 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
11,013.00 |
|
Reserves and surplus |
16,38,965.00 |
|
Deposits |
1,65,34,245.00 |
|
Borrowings |
3,43,100.00 |
|
Other liabilities and provisions |
|
| 1 |
Other Laibilities and Provisions |
3,68,652.00 |
|
Total of Other liabilities and provisions |
3,68,652.00 |
|
Total Capital Liabilities |
1,88,95,975.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
7,62,187.00 |
|
| Balances with Banks and money at call and short notice
| 23,337.00 |
|
Investments |
40,52,036.00 |
|
Advances |
1,22,63,262.00 |
|
Fixed Assets |
2,53,296.00 |
|
Other Assets |
|
| 1 |
Other Assets |
15,41,857.00 |
|
Total of Other Assets |
15,41,857.00 |
|
Total Assets |
1,88,95,975.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
82,291.00 |
3,59,434.00 |
| 2 |
Corporate/Wholesale Banking |
70,836.00 |
2,62,339.00 |
| 3 |
Digital Retail Banking |
4.00 |
17.00 |
| 4 |
Other Retail Banking |
2,24,168.00 |
9,00,409.00 |
| 5 |
Other Banking Business |
3,021.00 |
10,261.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less: Tax Expenses/(Credit) |
0.00 |
0.00 |
| 8 |
Add/(Less): Share of Profit/(Loss) of Associates |
0.00 |
0.00 |
|
| Total Segment Revenue
| 3,80,320.00 |
15,32,460.00 |
|
Less: Inter segment revenue |
36,740.00 |
1,22,321.00 |
|
Income from operations |
3,43,580.00 |
14,10,139.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
3,229.00 |
21,516.00 |
| 2 |
Corporate/Wholesale Banking |
47,506.00 |
1,78,631.00 |
| 3 |
Digital Retail Banking |
(21.00) |
(89.00) |
| 4 |
Other Retail Banking |
47,513.00 |
1,89,323.00 |
| 5 |
Other Banking Business |
2,066.00 |
8,235.00 |
| 6 |
Un-Allocated Business |
(14,061.00) |
(1,01,260.00) |
| 7 |
Less: Tax Expenses/(Credit) |
(6,318.00) |
(59,600.00) |
| 8 |
Add/(Less): Share of Profit/(Loss) of Associates |
(59.00) |
(807.00) |
|
Total Profit before tax |
79,855.00 |
2,35,949.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
79,855.00 |
2,35,949.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
54,62,801.00 |
54,62,801.00 |
| 2 |
Corporate/Wholesale Banking |
47,01,422.00 |
47,01,422.00 |
| 3 |
Digital Retail Banking |
32.00 |
32.00 |
| 4 |
Other Retail Banking |
87,31,722.00 |
87,31,722.00 |
| 5 |
Other Banking Business |
0.00 |
0.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less: Tax Expenses/(Credit) |
0.00 |
0.00 |
| 8 |
Add/(Less): Share of Profit/(Loss) of Associates |
0.00 |
0.00 |
|
Total Segment Assets |
1,88,95,977.00 |
1,88,95,977.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
1,88,95,977.00 |
1,88,95,977.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
2,92,878.00 |
2,92,878.00 |
| 2 |
Corporate/Wholesale Banking |
46,07,767.00 |
46,07,767.00 |
| 3 |
Digital Retail Banking |
280.00 |
280.00 |
| 4 |
Other Retail Banking |
1,23,45,073.00 |
1,23,45,073.00 |
| 5 |
Other Banking Business |
0.00 |
0.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less: Tax Expenses/(Credit) |
0.00 |
0.00 |
| 8 |
Add/(Less): Share of Profit/(Loss) of Associates |
0.00 |
0.00 |
| |
Total Segment Liabilities |
1,72,45,998.00 |
1,72,45,998.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
1,72,45,998.00 |
1,72,45,998.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
2,96,358.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
0.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
0.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
0.00 |
|
Other adjustments to reconcile profit (loss) |
0.00 |
|
Other adjustments for non-cash items |
0.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
0.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
0.00 |
|
Adjustments for decrease (increase) in other current assets |
0.00 |
|
Adjustments for increase (decrease) in trade payables |
0.00 |
|
Adjustments for increase (decrease) in other current liabilities |
0.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
0.00
|
|
Total adjustments for reconcile profit (loss) |
0.00 |
|
Net cash flows from (used in) operations |
2,96,358.00 |
|
Dividends received |
0.00 |
|
Interest paid |
4,67,026.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(1,70,668.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(1,70,668.00) |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
0.00 |
|
Purchase of tangible assets |
0.00 |
|
Proceeds from sales of intangible assets |
30,200.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
30,200.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
30,200.00 |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
0.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
0.00 |
|
Interest paid |
49,993.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(49,993.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(49,993.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(1,90,461.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
(1,90,461.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
9,75,985.00 |
|
Cash and cash equivalents cash flow statement at end of period |
7,85,524.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
Gupta Gupta & Associates LLP |
Yes |
30-09-2026 |
| 2 |
J C R & Co. LLP |
Yes |
30-09-2027 |
| 3 |
Dhar Tiku & Co |
Yes |
31-03-2027 |
| 4 |
Gupta Sharma & Associates |
Yes |
31-03-2027 |