This is a numbers-first look at Jammu & Kashmir Bank Ltd. (J&KBANK), covering income trends, margins, valuation, and shareholding.
Jammu Kashmir Bank Revenue Trend
The top line tells a positive story: Jammu & Kashmir Bank Ltd.'s revenue advanced 13.6% to ₹13,688 Cr in FY2025.
Jammu & Kashmir Bank Ltd.'s revenue compounded at 6.0% over 10 years — not a breakout compounder, but steady enough to suggest a stable business.
A ₹13,688 Cr revenue base makes Jammu & Kashmir Bank Ltd. a major name in the Indian banks sector.
With 3 straight years of revenue growth, this isn't a blip — the trajectory is clear for Jammu & Kashmir Bank Ltd..
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹13,688 Cr | +13.6% |
| FY2024 | ₹12,051 Cr | +19.1% |
| FY2023 | ₹10,120 Cr | +15.0% |
| FY2022 | ₹8,803 Cr | -0.3% |
| FY2021 | ₹8,833 Cr | — |
View Jammu & Kashmir Bank Ltd.'s full 10-year revenue trend with CAGR analysis →
Jammu Kashmir Bank Profitability
Jammu & Kashmir Bank Ltd. delivered net profit of ₹2,082 Cr in FY2025, a solid 17.5% jump from ₹1,771 Cr in FY2024.
On the margin front, things were flat — net profit margin stayed around 15.2% in FY2025.
FY2025 diluted EPS of ₹18.91 was up from the ₹16.84 reported in FY2024.
Is Jammu Kashmir Bank Undervalued
Based on the P/E Ratio model, Jammu & Kashmir Bank Ltd.'s fair value works out to ₹102 — 31.5% downside from where it trades today.
Jammu & Kashmir Bank Ltd. shares are currently trading at ₹148.65.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹102 | 31.5% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for Jammu & Kashmir Bank Ltd. with detailed assumptions →
Jammu Kashmir Bank Shareholding Pattern
Promoter holding has remained stable at 59.4% over the past 4 quarters, indicating confidence in the company's direction.
Foreign institutions moved their stake up to 8.3% from 8.0% over the past year.
On the domestic institutional side, the holding is 6.0% as of March 2026 — up from 5.9%.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 59.4% | 8.3% | 6.0% | 26.2% |
| Dec 2025 | 59.4% | 8.1% | 5.8% | 26.6% |
| Sep 2025 | 59.4% | 7.8% | 5.8% | 27.0% |
| Jun 2025 | 59.4% | 8.0% | 5.9% | 26.7% |
Track quarterly shareholding changes for Jammu & Kashmir Bank Ltd. →
Jammu Kashmir Bank Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
In FY2025, the total asset base came in at ₹1,694.24B, up 9.7% YoY from ₹1,545.05B.
Loans & Advances accounts for 61.5% of the total, ahead of Investments (24.3%) and Other Assets (8.5%).
Funding mix: 87.7% Deposits, 1.4% Borrowings, 8.4% Equity, 2.5% Other Liabilities. Over the year, deposits are up 10.2% and equity is up 16.5%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 97.83B |
| Loans & Advances | 1,041.84B |
| Investments | 411.22B |
| Other Assets | 143.35B |
| Category | Value |
|---|---|
| Equity | 142.08B |
| Deposits | 1,485.52B |
| Borrowings | 23.83B |
| Other Liabilities | 42.80B |
Jammu Kashmir Bank Stock Analysis
To sum up Jammu & Kashmir Bank Ltd.'s financial position: the data paints a clear picture for investors evaluating this banks stock.
Revenue of ₹13,688 Cr in FY2025, up 13.6% year-over-year.
Long-term revenue has been compounding at 6.0% annually over 10 years.
The company is profitable, with a net margin of 15.2% and net income of ₹2,082 Cr.
The P/B Ratio model implies 31.5% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
See the full picture — Craytheon tracks 10 years of financial data with interactive charts, growth trends, and four valuation models for Jammu & Kashmir Bank Ltd..