Integrated Filing-Governance



General information about company

Scrip Code 532209
NSE Symbol J&KBANK
MSEI Symbol NOTLISTED
ISIN INE168A01041
Name of the entity JAMMU AND KASHMIR BANK LIMITED
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Reporting Quarter Yearly
Date of Quarter Ending 31-Mar-2026
Type of company Equity
Whether Annexure I (Part A) of the SEBI Circular dated December 31, 2024 related to Compliance Report on Corporate Governance is applicable to the entity? Yes
Whether Annexure I (Part B) of the SEBI Circular dated December 31, 2024 related to Investor Grievance Redressal Report is Applicable to the entity? Yes
Whether Annexure I (Part C) of the SEBI Circular dated December 31, 2024 related to Disclosure of Acquisition of Shares or Voting Rights in Unlisted Companies is Applicable to the entity? Yes
Whether Annexure I (Part D) of the SEBI Circular dated December 31, 2024 related to Disclosure of Imposition of Fine or Penalty is Applicable to the entity? Yes
Whether Annexure I (Part E) of the SEBI Circular dated December 31, 2024 related to Disclosure of Updates to Ongoing Tax Litigations or Disputes is Applicable to the entity? Yes
Whether Annexure I (Part F) of the SEBI Circular dated December 31, 2024 related to Disclosure Of Loans / Guarantees / Comfort Letters / Securities Etc. is Applicable to the entity? Yes
Risk management committee Yes
Market Capitalisation as per immediate previous Financial Year Top 500 listed entities
Is SCORE ID Available ? Yes
SCORE Registration ID j00030
Reason For No SCORE ID
Type of Submission New
Remarks (website dissemination)



Annexure I
Annexure I to be submitted by listed entity on quarterly basis
I. Composition of Board of Directors
Disclosure of notes on composition of board of directors explanatory
Whether the listed entity has a Regular Chairperson Yes
Whether Chairperson is related to MD or CEO No Disqualification of Directors under section 164 of the Companies Act, 2013
Sr Title (Mr / Ms) Name of the Director PAN DIN Category 1 of directors Category 2 of directors Category 3 of directors Date of Birth Whether the director is disqualified? Start Date of disqualification End Date of disqualification Details of disqualification Current status Whether special resolution passed? [Refer Reg. 17(1A) of Listing Regulations] Date of passing special resolution Initial Date of appointment Date of Re-appointment Date of cessation Tenure of director (in months) No of Directorship in listed entities including this listed entity (Refer Regulation 17A of Listing Regulations) No of Independent Directorship in listed entities including this listed entity [with reference to proviso to regulation 17A(1) & 17A(2)] Number of memberships in Audit/ Stakeholder Committee(s) including this listed entity (Refer Regulation 26(1) of Listing Regulations) No of post of Chairperson in Audit/ Stakeholder Committee held in listed entities including this listed entity (Refer Regulation 26(1) of Listing Regulations) Reason for Cessation Notes for not providing PAN Notes for not providing DIN
1 Mr. SANKARASUBRAMANIAN KRISHNAN 07261965 Non-Executive - Independent Director Chairperson 26-May-1962 No Active NA 27-Mar-2025 27-Mar-2025 12.05 1 1 0 0
2 Mr. AMITAVA CHATTERJEE 07082989 Executive Director Not Applicable CEO-MD 08-Jun-1965 No Active NA 30-Dec-2024 1 0 1 0
3 Mr. SHAILENDRA KUMAR 07352828 Non-Executive - Nominee Director Not Applicable 08-Oct-1969 No Active NA 02-Mar-2026 1 0 0 0
4 Mr. SANTOSH DATTATRAYA VAIDYA IAS 05340193 Non-Executive - Nominee Director Not Applicable 14-Apr-1974 No Active NA 22-Aug-2023 02-Mar-2026 1 0 0 0 Others
5 Mr. MANDEEP K BHANDHARI IAS 07310347 Non-Executive - Non Independent Director Not Applicable 14-Dec-1974 No Active NA 20-Oct-2023 26-Aug-2025 1 0 0 0
6 Mr. PAWAN KOTWAL IAS 02455728 Non-Executive - Non Independent Director Not Applicable 04-Dec-1965 No Active NA 24-Jul-2023 26-Aug-2025 01-Jan-2026 1 0 0 0 Others
7 Mr. SANJIV DAYAL 10926091 Non-Executive - Nominee Director Not Applicable 18-Sep-1963 No Active NA 20-Jan-2025 1 0 1 0
8 Mr. R K CHHIBBER 08190084 Non-Executive - Non Independent Director Not Applicable 09-Oct-1959 No Active NA 10-Jun-2019 24-Aug-2024 1 0 2 1
9 Mr. UMESH CHANDRA PANDEY 01185085 Non-Executive - Independent Director Not Applicable 01-Jan-1961 No Active NA 21-Jan-2022 21-Jan-2025 20-Jan-2026 48 1 1 2 0 Tenure Completion
10 Mr. ANIL KUMAR GOEL 00672755 Non-Executive - Independent Director Not Applicable 02-Jan-1962 No Active NA 21-Jan-2022 21-Jan-2025 20-Jan-2026 48 1 1 1 1 Tenure Completion
11 Mr. ANAND KUMAR 03041018 Non-Executive - Independent Director Not Applicable 23-Oct-1961 No Active NA 03-Mar-2022 03-Mar-2025 48.29 1 1 1 0
12 Mr. SUDHIR GUPTA 09614492 Executive Director Not Applicable 04-Nov-1967 No Active NA 14-Dec-2022 13-Dec-2025 1 0 1 0
13 Mrs. SHAHLA AYOUB 09834993 Non-Executive - Independent Director Not Applicable 14-Jun-1987 No Active NA 26-Dec-2022 26-Dec-2025 39.06 1 1 1 0
14 Mr. ARUN GANDOTRA 08907929 Non-Executive - Independent Director Not Applicable 31-Aug-1961 No Active NA 26-Aug-2025 26-Aug-2025 7.06 1 1 1 0
15 Mr. PRAFULLA PREMSUKH CHHAJED 03544734 Non-Executive - Independent Director Not Applicable 25-Sep-1966 No Active NA 18-Feb-2026 18-Feb-2026 1.14 3 3 3 3



Annexure 1

II. Composition of Committees
Disclosure of notes on composition of committees explanatory Section 36AB(3) of the Banking Regulation Act, 1949, provides that for the purpose of reckoning any proportion of the total number of directors of the banking company, any additional director appointed under this section shall not be taken into account. Accordingly while determining the composition of the Audit Committee, Mr. Sanjiv Dayal has to be excluded..



Audit Committee Details
Whether the Audit Committee has a Regular Chairperson Yes
Sr DIN Number Name of Committee members Category 1 of directors Category 2 of directors Date of Appointment Date of Cessation Remarks
1 03544734 PRAFULLA PREMSUKH CHHAJED Non-Executive - Independent Director Chairperson 18-Feb-2026
2 10926091 SANJIV DAYAL Non-Executive - Nominee Director Member 20-Jan-2025 Textual Information(1)
3 08190084 R K CHHIBBER Non-Executive - Non Independent Director Member 31-Jan-2022
4 03041018 ANAND KUMAR Non-Executive - Independent Director Member 27-Apr-2022
5 01185085 UMESH CHANDRA PANDEY Non-Executive - Independent Director Member 26-Sep-2022 20-Jan-2026
6 00672755 ANIL KUMAR GOEL Non-Executive - Independent Director Chairperson 25-Apr-2023 20-Jan-2026



Text Block
Textual Information(1) Section 36AB(3) of the Banking Regulation Act, 1949, provides that for the purpose of reckoning any proportion of the total number of directors of the banking company, any additional director appointed under this section shall not be taken into account. Accordingly while determining the composition of the Audit Committee, Mr. Sanjiv Dayal has to be excluded.



Nomination and remuneration committee
Whether the Nomination and remuneration committee has a Regular Chairperson Yes
Sr DIN Number Name of Committee members Category 1 of directors Category 2 of directors Date of Appointment Date of Cessation Remarks
1 03041018 ANAND KUMAR Non-Executive - Independent Director Chairperson 26-Sep-2022
2 07261965 SANKARASUBRAMANIAN KRISHNAN Non-Executive - Independent Director Member 29-Mar-2025
3 09834993 SHAHLA AYOUB Non-Executive - Independent Director Member 25-Apr-2023
4 08907929 ARUN GANDOTRA Non-Executive - Independent Director Member 30-Aug-2025



Stakeholders Relationship Committee
Whether the Stakeholders Relationship Committee has a Regular Chairperson Yes
Sr DIN Number Name of Committee members Category 1 of directors Category 2 of directors Date of Appointment Date of Cessation Remarks
1 08190084 R K CHHIBBER Non-Executive - Non Independent Director Chairperson 21-Oct-2022
2 07082989 AMITAVA CHATTERJEE Executive Director Member 31-Dec-2024
3 09614492 SUDHIR GUPTA Executive Director Member 20-Feb-2023
4 09834993 SHAHLA AYOUB Non-Executive - Independent Director Member 20-Feb-2023
5 08907929 ARUN GANDOTRA Non-Executive - Independent Director Member 30-Aug-2025
6 01185085 UMESH CHANDRA PANDEY Non-Executive - Independent Director Member 31-Jan-2022 20-Jan-2026



Risk Management Committee
Whether the Risk Management Committee has a Regular Chairperson Yes
Sr DIN Number Name of Committee members Category 1 of directors Category 2 of directors Date of Appointment Date of Cessation Remarks
1 08907929 ARUN GANDOTRA ID Chairperson 30-Aug-2025
2 08190084 R K CHHIBBER NED Member 21-Oct-2022
3 09614492 SUDHIR GUPTA ED Member 20-Feb-2023
4 07261965 SANKARASUBRAMANIAN KRISHNAN ID Member 29-Mar-2025
5 01185085 UMESH CHANDRA PANDEY ID Chairperson 31-Jan-2022 20-Jan-2026



Annexure 1
III. Meeting of Board of Directors
Disclosure of notes on meeting of board of directors explanatory Board meeting adjourned to 04-12-2025
Sr Date(s) of meeting (Enter dates of Previous quarter and Current quarter in chronological order) Maximum gap between any two consecutive (in number of days) Notes for not providing Date Whether requirement of Quorum met (Yes/No) Total Number of Directors as on date of the meeting Number of Directors present* (All directors including Independent Director) No. of Independent Directors attending the meeting*
1 18-Oct-2025 Yes 13 12 6
2 31-Oct-2025 12 Yes 13 11 6
3 26-Nov-2025 25 Yes 13 10 6
4 03-Dec-2025 6 Board meeting adjourned to 04-12-2025 Yes 13 9 5
5 23-Dec-2025 19 Yes 13 11 6
6 20-Jan-2026 27 Yes 12 10 6
7 09-Feb-2026 19 Yes 10 9 4
8 17-Feb-2026 7 Yes 10 8 4
9 05-Mar-2026 15 Yes 11 9 5
10 25-Mar-2026 19 Yes 11 10 5



Annexure 1
IV. Meeting of Committees
Disclosure of notes on meeting of committees explanatory Audit Committee meeting adjourned to 20-01-2026NRC meeting adjourned to 17-10-2025
Sr Name of Committee Date(s) of meeting (Enter dates of Previous quarter and Current quarter in chronological order) Maximum gap between any two consecutive (in number of days) Name of other committee Reson for not providing date Whether requirement of Quorum met (Yes/No) Total Number of Directors in the Committee as on date of the meeting Number of Directors Present (All Directors including Independent Director) No. of Independent Directors attending the meeting* No. of members attending the meeting (other than Board of Directors)
1 Audit Committee 14-Oct-2025 Yes 5 5 3 0
2 Audit Committee 18-Oct-2025 3 Yes 5 5 3 0
3 Audit Committee 31-Oct-2025 12 Yes 5 5 3 0
4 Audit Committee 01-Dec-2025 30 Yes 5 5 3 0
5 Audit Committee 24-Dec-2025 22 Yes 5 5 3 0
6 Audit Committee 19-Jan-2026 25 Audit Committee meeting adjourned to 20-01-2026 Yes 5 5 3 0
7 Audit Committee 26-Mar-2026 65 Yes 4 4 2 0
8 Nomination and remuneration committee 14-Oct-2025 NRC meeting adjourned to 17-10-2025 Yes 4 4 4 0
9 Nomination and remuneration committee 18-Dec-2025 64 Yes 4 4 4 0
10 Nomination and remuneration committee 08-Jan-2026 20 Yes 4 4 4 0
11 Nomination and remuneration committee 02-Feb-2026 24 Yes 4 4 4 0
12 Nomination and remuneration committee 13-Feb-2026 10 Yes 4 4 4 0
13 Nomination and remuneration committee 05-Mar-2026 19 Yes 4 4 4 0
14 Risk Management Committee 29-Oct-2025 Yes 5 5 3 0
15 Risk Management Committee 02-Dec-2025 33 Yes 5 5 3 0
16 Risk Management Committee 24-Mar-2026 111 Yes 4 4 2 0
17 Stakeholders Relationship Committee 11-Mar-2026 Yes 5 5 2 0



Annexure 1
VI. Affirmations
Sr Subject Compliance status (Yes/No)
1 The composition of Board of Directors is in terms of SEBI (Listing obligations and disclosure requirements) Regulations, 2015 Yes
2 The composition of the following committees is in terms of SEBI(Listing obligations and disclosure requirements) Regulations, 2015 a. Audit Committee Yes
3 The composition of the following committees is in terms of SEBI(Listing obligations and disclosure requirements) Regulations, 2015. b. Nomination & remuneration committee Yes
4 The composition of the following committees is in terms of SEBI(Listing obligations and disclosure requirements) Regulations, 2015. c. Stakeholders relationship committee Yes
5 The composition of the following committees is in terms of SEBI(Listing obligations and disclosure requirements) Regulations, 2015. d. Risk management committee (applicable to the top 1000 listed entities) Yes
6 The committee members have been made aware of their powers, role and responsibilities as specified in SEBI (Listing obligations and disclosure requirements) Regulations, 2015. Yes
7 The meetings of the board of directors and the above committees have been conducted in the manner as specified in SEBI (Listing obligations and disclosure requirements) Regulations, 2015 Yes
8 This report and/or the report submitted in the previous quarter has been placed before Board of Directors. Yes
9 Any comments/observations/advice of Board of Directors may be mentioned here:



Annexure 1
Sr Subject Compliance status
1 Name of signatory MOHAMMAD SHAFI MIR
2 Designation Company Secretary



Details of Cyber security incidence
Whether as per Regulation 27(2)(ba) of SEBI (LODR) Regulations, 2015 there has been cyber security incidents or breaches or loss of data or documents during the quarter No
Other details of cyber security incidence or breaches or loss of data event
Number of cyber security incidence or breaches or loss of data event occurred during the quarter
Sr Date of the event Brief details of the event



Annexure II to be submitted by listed entity at the end of the financial year (for the whole of financial year)
I. Disclosure on website in terms of LODR Regulation
Sr Item Compliance status (Yes/No/NA) If status is No details of non-compliance may be given here. Web address
1.1 Details of business Yes https://jkb.bank.in/sites/default/files/2025-03/naturebusiness.pdf
1.2 Memorandum of Association and Articles of Association Yes https://jkb.bank.in/sites/default/files/2025-04/MOAAOA85thAGM24.08.2023.pdf
1.3 Brief profile of board of directors including directorship and full time positions in body corporates Yes https://jkb.bank.in/board-directors
2 Terms and conditions of appointment of independent directors Yes https://jkb.bank.in/sites/default/files/Appointment_Letter_ID.pdf
3 Composition of various committees of board of directors Yes https://jkb.bank.in/Investor/committees-board-directors
4 Code of conduct of board of directors and senior management personnel Yes https://jkb.bank.in/sites/default/files/2025-05/9.%20Code%20of%20Conduct%20for%20Board%20of%20Directors%20%26%20Senior%20Management%20of%20the%20Bank.pdf
5 Details of establishment of vigil mechanism or whistle blower policy Yes https://jkb.bank.in/sites/default/files/2025-05/WB.pdf
6 Criteria of making payments to non-executive directors Yes https://jkb.bank.in/Investor/criteria-payment-remuneration-non-executive-directors
7 Policy on dealing with related party transactions Yes https://jkb.bank.in/sites/default/files/95%20Upload%20RPT.pdf
8 Policy for determining material subsidiaries Yes https://jkb.bank.in/sites/default/files/2025-05/23.%20Policy%20for%20Determining%20Material%20Subsidiary.pdf
9 Details of familiarization programmes imparted to independent directors Yes https://jkb.bank.in/Investor/familiarization-programs-directors-bank
10 Contact information of the designated officials of the listed entity who are responsible for assisting and handling investor grievances Yes https://jkb.bank.in/Investor/shareholder-information
11 Email address for grievance redressal and other relevant details Yes https://jkb.bank.in/Investor/shareholder-information
12 Financial results Yes https://jkb.bank.in/Investor/financial-information/financial-results?field_year_target_id=1432
13 Shareholding pattern Yes https://jkb.bank.in/investor/stockExchangeIntimation/shareholdingPattern
14 Details of agreements entered into with the media companies and/or their associates NA
15.1 Schedule of analyst or institutional investor meet and presentation prepared by listed entity for analyst or institutional investor meet Yes https://jkb.bank.in/investor/stockExchangeIntimation/investorrelations
15.2 Audio or video recordings and transcripts of post earnings/quarterly calls Yes https://jkb.bank.in/investor/stockExchangeIntimation/investorrelations
16 New name and the old name of the listed entity NA
17 Advertisements as per regulation 47 (1) Yes https://jkb.bank.in/investor/stockExchangeIntimation/announcements_newspaper
18 Credit rating or revision in credit rating obtained Yes https://jkb.bank.in/investor/stockExchangeIntimation/creditratings
19 Separate audited financial statements of each subsidiary of the listed entity Yes https://jkb.bank.in/investor/financials/subsidiaryFinancials
20 Secretarial compliance report Yes https://jkb.bank.in/investor/stockExchangeIntimation/secretrial
21 Materiality policy as per regulation 30 (4) Yes https://jkb.bank.in/Investor/corporate-governance-policies
22 Disclosure of contact details of KMP who are authorized for the purpose of determining materiality as required under regulation 30(5) Yes https://jkb.bank.in/Investor/contact-details-kmps
23 Disclosures under regulation 30(8) Yes https://jkb.bank.in/investor/stockExchangeIntimation/announcements30
24 Statements of deviation(s) or variations(s) as specified in regulation 32 Yes https://jkb.bank.in/Investor/statement-deviations-or-variations
25 Dividend distribution policy as specified in regulation 43A (1) Yes https://jkb.bank.in/sites/default/files/2025-05/24.%20Dividend%20Distribution%20Policy.pdf
26.1 Annual return as provided under section 92 of the Companies Act 2013 Yes https://jkb.bank.in/investor/financials/annualReturns
26.2 Employee benefit scheme documents framed in terms of SEBI (SBEB) regulations 2021
27 Confirmation that the above disclosures are in a separate section as specified in regulation 46(2) Yes https://jkb.bank.in/
28 Compliance with regulation 46(3) with respect to accuracy of disclosures on the website and timely updation Yes https://jkb.bank.in/
29 Disclosure of notes on website in terms of Listing Regulations explanatory


Annexure II
II. Annual Affirmations
Sr Particulars Regulation Number Compliance status (Yes/No/NA) If status is No details of non-compliance may be given here.
1 Independent director(s) have been appointed in terms of specified criteria of independence and/or eligibility 16(1)(b) Yes
2 Board Composition 17(1), 17(1A) & 17(1C), 17(1D) & 17(1E) Yes
3 Meeting Of Board Of Directors 17(2) Yes
4 Quorum of board meeting 17(2A) Yes
5 Review of Compliance Reports 17(3) Yes
6 Plans for orderly succession for appointments 17(4) Yes
7 Code of Conduct 17(5) Yes
8 Fees/compensation 17(6) Yes
9 Minimum Information 17(7) Yes
10 Compliance Certificate 17(8) Yes
11 Risk Assessment & Management 17(9) Yes
12 Performance Evaluation of Independent Directors 17(10) Yes
13 Recommendation of Board 17(11) Yes
14 Maximum number of Directorships 17A Yes
15 Composition of Audit Committee 18(1) Yes
16 Meeting of Audit Committee 18(2) Yes
17 Role of Audit Committee and information to be reviewed by the audit committee 18(3) Yes
18 Composition of nomination & remuneration committee 19(1) & (2) Yes
19 Quorum of Nomination and Remuneration Committee meeting 19(2A) Yes
20 Meeting of Nomination and Remuneration Committee 19(3A) Yes
21 Role of Nomination and Remuneration Committee 19(4) Yes
22 Composition of Stakeholder Relationship Committee 20(1), 20(2) & 20(2A) Yes
23 Meeting of Stakeholders Relationship Committee 20(3A) Yes
24 Role of Stakeholders Relationship Committee 20(4) Yes
25 Composition and role of risk management committee 21(1),(2),(3),(4) Yes
26 Meeting of Risk Management Committee 21(3A) Yes
27 Quorum of Risk Management Committee meeting 21(3B) Yes
28 Gap between the meetings of the Risk Management Committee 21(3C) Yes
29 Vigil Mechanism 22 Yes
30 Policy for related party Transaction 23(1), (1A), (5), (6), & (8) Yes
31 Prior or Omnibus approval of Audit Committee for all related party transactions 23(2), (3) NA
32 Approval for material related party transactions 23(4) NA
33 Disclosure of related party transactions on consolidated basis 23(9) Yes
34 Composition of Board of Directors of unlisted material Subsidiary 24(1) NA
35 Other Corporate Governance requirements with respect to subsidiary of listed entity 24(2),(3),(4),(5) & (6) Yes
36 Alternate Director to Independent Director 25(1) Yes
37 Maximum Tenure 25(2) Yes
38 Appointment, Re-appointment or removal of an Independent Director through special resolution or the alternate mechanism 25(2A) Yes
39 Meeting of independent directors 25(3) & (4) Yes
40 Familiarization of independent directors 25(7) Yes
41 Declaration from Independent Director 25(8) & (9) Yes
42 Directors and Officers insurance 25(10) Yes
43 Confirmation with respect to appointment of Independent Directors who resigned from the listed entity 25(11) Yes
44 Memberships in Committees 26(1) Yes
45 Affirmation with compliance to code of conduct from members of Board of Directors and Senior management personnel 26(3) Yes
46 Policy with respect to Obligations of directors and senior management 26(2) & 26(5) Yes
47 Approval of the Board and shareholders for compensation or profit sharing in connection with dealings in the securities of the listed entity 26(6) Yes
48 Vacancies in respect Key Managerial Personnel 26A(1) & 26A(2), 26A(3) Yes
Any other information to be provided - Add Notes



Annexure II
III. Affirmations
Sr Particulars Compliance status (Yes/No/NA)
1 The Listed Entity has approved Material Subsidiary Policy and the Corporate Governance requirements with respect to subsidiary of Listed Entity have been complied Yes
Any other information to be provided



Annexure II
1 Name of signatory MOHAMMAD SHAFI MIR
2 Designation Company Secretary



Additional Half yearly Disclosure
Any Other Information for Disclosure of Loans / Guarantees / Comfort Letters / Securities Etc. Banking Company
I. Disclosure of Loans/ guarantees/comfort letters /securities etc.refer note below
(A)Any loan or any other form of debt advanced by the listed entity directly or indirectly to
Entity Aggregate amount advanced during six months Balance outstanding at the end of six months
Promoter or any other entity controlled by them 0 0
Promoter Group or any other entity controlled by them 0 0
Directors (including relatives) or any other entity controlled by them 0 0
KMPs or any other entity controlled by them 0 0
(B) Any guarantee / comfort letter (by whatever name called) provided by the listed entity directly or indirectly, in connection with any loan(s) or any other form of debt availed By
Entity Type (guarantee, comfort letter etc.) Aggregate amount of issuance during six months Balance outstanding at the end of six months(taking into account any invocation)
Promoter or any other entity controlled by them 0 0 0
Promoter Group or any other entity controlled by them 0 0 0
Directors (including relatives) or any other entity controlled by them 0 0 0
KMPs or any other entity controlled by them 0 0 0
(C) Any security provided by the listed entity directly or indirectly, in connection with any loan(s) or any other form of debt availed by
Entity Type of security (cash, shares etc.) Aggregate value of security provided during six months Balance outstanding at the end of six months
Promoter or any other entity controlled by them 0 0 0
Promoter Group or any other entity controlled by them 0 0 0
Directors (including relatives) or any other entity controlled by them 0 0 0
KMPs or any other entity controlled by them 0 0 0
(D) Additional Information
II. Affirmations
Affirmations Compliance Status Company Remarks
All loans (or other form of debt), guarantees, comfort letters (by whatever name called) or securities in connection with any loan(s) (or other form of debt) given directly or indirectly by the listed entity to promoter(s), promoter group, director(s) (including their relatives), key managerial personnel (including their relatives) or any entity controlled by them are in the economic interest of the company. Yes
Name KETAN KUMAR JOSHI
Designation Chief Financial Officer
Place SRINAGAR
Date 15-Apr-2026



Signatory Details
Name of signatory MOHAMMAD SHAFI MIR
Designation of person Company Secretary
Place SRINAGAR
Date 15-Apr-2026


Investor Grievance Details
No. of investor complaints pending at the beginning of Quarter 0
No. of investor complaints received during the Quarter 47
No. of investor complaints disposed off during the Quarter 47
No. of investor complaints those remaining unresolved at the end of the Quarter 0


Disclosure of Acquisition of Shares or Voting Rights in Unlisted Companies-
The details of acquisition of shares or voting rights in unlisted companies during the quarter in terms of sub-para 1 of para A of Part A of Schedule III are given below
Any Other Information for Disclosure of Acquisition of Shares or Voting Rights in Unlisted Companies
Sr. No. Name of the unlisted company in which shares or voting rights have been acquired Date of acquisition Aggregate holding (% shares or voting rights) as at the end of the previous quarter % shares or voting rights acquired during the quarter Aggregate holding (% shares or voting rights) as at the end of the quarter
1 NIL 31-Mar-2026 0 0 0


Disclosure of Imposition of Fine or Penalty
The details of imposition of fine or penalty during the quarter in terms of sub-para 20 of para A of Part A of Schedule III are given below:
Any Other Information for Disclosure of Imposition of Fine or Penalty
Sr. No. Name of the authority Nature and details of the action(s) taken or order(s) passed Date of receipt of direction or order, including any ad interim or interim orders, or any other communication from the authority Details of the violation(s)/ contravention(s) committed or alleged to be committed Impact on financial, operation or other activities of the listed entity, quantifiable in monetary terms to the extent possible
1 RESERVE BANK OF INDIA Cash Out for Month of Nov 2025 (High Dispensation)(SANIK Colony, ATM ID: 08570693) 19-Jan-2026 10000 102339.04
2 CBDT Cash Out for Month of Nov 2025 (High Dispensation)(Chowk Chubtura, ATM ID: 02110515) 19-Jan-2026 10000 NA
3 RESERVE BANK OF INDIA Delayed Remittance of CIN 23-Jan-2026 29582.26 NA
4 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 100 NA
5 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 400 NA
6 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 4500 NA
7 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 2300 NA
8 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 24700 NA
9 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 700 NA
10 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 1100 NA
11 RESERVE BANK OF INDIA Remittance Shortage Penalty 17-Feb-2026 1250 NA
12 RESERVE BANK OF INDIA ATM Cash out for Dec 2025 (high dispensation 05550174/Shahidi Chowk) 27-Feb-2026 10000 NA
13 RESERVE BANK OF INDIA Branch did not provide exchange facility of mutilated notes to public 10-Mar-2026 10000 NA
14 RESERVE BANK OF INDIA Branch did not provide exchange facility of mutilated notes to public 10-Mar-2026 10000 NA
15 RESERVE BANK OF INDIA ATM Cash out for Jan 2026 (high dispensation 0144C026/CTM Kathua) 24-Mar-2026 10000 NA
16 RESERVE BANK OF INDIA ATM Cash out for Jan 2026 (high dispensation 0790A017 /Makhanpur Bishnah) 24-Mar-2026 10000 NA
17 RESERVE BANK OF INDIA Delayed Reporting on 18.03.2026 which continued till 20.03.2026 due to holiday on 19.03.2026. (7.75% penalty on 15.96 cr.@2 days) 24-Mar-2026 65589.04 NA
18 RESERVE BANK OF INDIA Remittance Shortage Penalty 26-Mar-2026 1700 NA


Disclosure of Updates to Ongoing Tax Litigations or Disputes
The updates on tax litigations or disputes in terms of sub-para 8 of para B of Part A of Schedule III read with corresponding provisions of Annexure 18 of the Master Circular are given below:

Any Other Information for Disclosure of Updates to Ongoing Tax Litigations or Disputes
Sr. No. Name of the opposing party Date of initiation of the litigation / dispute Status of the litigation / dispute as per last disclosure Current status of the litigation / dispute
1 Jammu and Kashmir Bank Limited 23-Mar-2026 1. The IBA had taken up the matter with CBIC (IBA was directed by RBI) and Bank was informed by IBA that a clarification in this regard will be provided by CBIC, but till date no clarification was provided by CBIC. 2. The Bank is proactively engaging with Indian Banking Association (IBA) / Reserve Bank of India to expedite on obtaining clarification over taxability of such transactions from the CBIC, following the RBI's directives on the matter to IBA for engaging with CBIC. 3. Further to ensure the momentum, the CFO issued a formal follow-up letter on 11th March 2026 to IBA on the matter with the CGM of RBI (DOR) duly apprised. 4. Alongside these efforts the Bank is taking legal measures by filing a Writ Petition before the Hon’ble High Court of J&K and Ladakh immediately in line with earlier such cases, to effectively contest the demand, as the Hon’ble High Court previously granted a stay in a similar matter, and Bank expects definite positive outcome�to protect the Bank's as well as Industry interests Bank is taking legal measures by filing a Writ Petition before the Hon’ble High Court of J&K and Ladakh immediately in line with earlier such cases, to effectively contest the demand, as the Hon’ble High Court previously granted a stay in a similar matter, and Bank expects definite positive outcome�to protect the Bank's as well as Industry interests