We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
2 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 2 documents here); elsewhere sentences render unattributed.
Kind
Date
Period
Served
Attribution rate
TRANSCRIPT
20220517
2022-03-31
yes
TRANSCRIPT
20220816
2022-06-30
yes
COVER_LETTER
20241031
2024-09-30
no
TRANSCRIPT
20251020
2025-09-30
yes
TRANSCRIPT
20260508
2026-03-31
yes
TRANSCRIPT
20260803
2026-06-30
yes
J&KBANK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
Statement division
banking
Scope served
consolidated
Panels on this page
5
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
Last close
147.07
52-week range
98.09 – 192.65
Return 1M
-1.64%
Return 3M
-7.15%
Return 1Y
40.94%
Return 3Y
36.37%
Return 5Y
302.38%
Market capitalisation
not shown — we could not confirm it
Shares outstanding
not shown — we could not confirm it
P/E
not shown — we could not confirm it
P/B
not shown — we could not confirm it
EV/EBITDA
not shown — we could not confirm it
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
Interest earned
3,547.00
Interest on advances and bills
2,685.00
Income on investments
722.00
Interest on balances with the RBI and interbank funds
8.00
Other interest
132.00
Interest expended
2,049.00
Other income
217.00
Total income
3,765.00
Ownership — 2026-06-30, and the change from 2026-03-31
Holder
Per cent
Change
promoter and promoter group
0.59
0.00
institutions foreign
0.09
0.01
institutions domestic
0.08
0.02
mutual funds
0.06
0.02
public
0.41
0.00
Documents on file
Class
Most recent
On file
COVER_LETTER
2024-09-30
1
TRANSCRIPT
2026-06-30
5
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
Line
2022-03-31
2022-09-30
2023-09-30
2024-03-31
2024-09-30
2025-09-30
2026-03-31
Net cash from operating activities
-1,568.00
-2,281.00
-1,171.00
-924.00
-428.00
-2,084.00
-1,707.00
Net cash from investing activities
-85.00
-40.00
-68.00
-186.00
40.00
-203.00
302.00
Net cash from financing activities
941.00
-604.00
-194.00
407.00
-257.00
-365.00
-500.00
Purchase of property, plant and equipment
85.00
40.00
0.00
186.00
-40.00
60.00
0.00
Net increase in cash
-712.00
-2,924.00
7,465.00
-702.00
-646.00
-2,652.00
-1,905.00
con:CFO.BEFORE_TAX
747.00
643.00
997.00
2,388.00
1,371.00
-1,714.00
2,964.00
con:INTEREST_RECEIVED.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:INTEREST_PAID.OPERATING
2,315.00
2,924.00
2,168.00
3,312.00
1,799.00
370.00
4,670.00
con:DIVIDENDS_RECEIVED.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:TAX_PAID.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_OTHER.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:INVESTMENTS_PURCHASED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:INVESTMENTS_SOLD
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:PPE_DISPOSALS
0.00
0.00
-68.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.SUBSIDIARIES_SOLD
0.00
0.00
0.00
0.00
0.00
-144.00
0.00
con:CF_INVESTING.SUBSIDIARIES_ACQUIRED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.JV_SOLD
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.JV_ACQUIRED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Quarterly results, as filed
Line
2022-03-31
2022-09-30
2023-09-30
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Interest earned
2,012.00
2,299.00
2,764.00
2,881.00
2,910.00
2,994.00
3,124.00
3,210.00
3,269.00
3,293.00
3,315.00
3,273.00
3,547.00
Interest on advances and bills
1,497.00
1,747.00
2,135.00
2,229.00
2,237.00
2,283.00
2,358.00
2,398.00
2,430.00
2,391.00
2,435.00
2,452.00
2,685.00
Income on investments
434.00
509.00
559.00
565.00
572.00
610.00
649.00
695.00
723.00
767.00
746.00
685.00
722.00
Interest on balances with the RBI and interbank funds
82.00
42.00
2.00
9.00
6.00
4.00
18.00
10.00
11.00
24.00
9.00
8.00
8.00
Other interest
0.00
-0.00
69.00
78.00
95.00
97.00
98.00
106.00
105.00
111.00
125.00
128.00
132.00
Interest expended
1,037.00
1,095.00
1,430.00
1,600.00
1,604.00
1,625.00
1,687.00
1,697.00
1,803.00
1,858.00
1,824.00
1,784.00
2,049.00
Other income
199.00
148.00
193.00
186.00
229.00
198.00
301.00
242.00
253.00
157.00
282.00
262.00
217.00
Total income
2,212.00
2,447.00
2,957.00
3,067.00
3,139.00
3,193.00
3,424.00
3,452.00
3,523.00
3,450.00
3,597.00
3,536.00
3,765.00
Employee benefit expense
596.00
639.00
723.00
637.00
486.00
692.00
660.00
703.00
663.00
648.00
659.00
511.00
653.00
Operating expenses
856.00
869.00
992.00
915.00
870.00
972.00
948.00
1,006.00
1,046.00
969.00
991.00
839.00
1,011.00
Expenditure excluding provisions and contingencies
1,893.00
1,963.00
2,422.00
2,516.00
2,474.00
2,597.00
2,635.00
2,703.00
2,848.00
2,827.00
2,815.00
2,623.00
3,060.00
Operating profit before provisions
319.00
484.00
535.00
551.00
665.00
596.00
789.00
749.00
674.00
624.00
781.00
913.00
705.00
Provisions and contingencies
-56.00
77.00
-10.00
-9.00
-165.00
-17.00
33.00
-10.00
15.00
-11.00
-26.00
50.00
84.00
Exceptional items
-255.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Profit before tax
120.00
407.00
545.00
561.00
830.00
614.00
757.00
758.00
659.00
635.00
807.00
862.00
621.00
Tax expense
7.00
163.00
164.00
139.00
191.00
197.00
204.00
227.00
173.00
140.00
220.00
63.00
195.00
Profit for the period
113.00
244.00
381.00
422.00
640.00
417.00
553.00
532.00
486.00
495.00
588.00
799.00
425.00
Profit attributable to owners
119.00
240.00
384.00
423.00
633.00
418.00
553.00
529.00
485.00
495.00
581.00
799.00
429.00
Profit attributable to non-controlling interests
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:SHARE_OF_ASSOCIATES
6.00
-4.00
2.00
1.00
-6.00
2.00
0.00
-3.00
-1.00
0.00
-6.00
-1.00
3.00
Earnings per share, basic
1.27
2.49
3.72
4.05
5.75
3.80
5.02
4.80
4.40
4.49
5.28
7.25
3.89
Earnings per share, diluted
1.27
2.49
3.72
4.05
5.75
3.80
5.02
4.80
4.40
4.49
5.28
7.25
3.89
Annual results, as filed
Line
2022-03-31
2024-03-31
2026-03-31
Interest earned
8,013.00
11,213.00
13,151.00
Interest on advances and bills
6,015.00
8,609.00
9,708.00
Income on investments
1,677.00
2,265.00
2,922.00
Interest on balances with the RBI and interbank funds
321.00
37.00
52.00
Other interest
1.00
302.00
469.00
Interest expended
4,101.00
6,008.00
7,269.00
Other income
790.00
838.00
951.00
Total income
8,803.00
12,051.00
14,101.00
Employee benefit expense
2,405.00
2,579.00
2,487.00
Operating expenses
3,329.00
3,763.00
3,841.00
Expenditure excluding provisions and contingencies
7,430.00
9,770.00
11,109.00
Operating profit before provisions
1,373.00
2,280.00
2,992.00
Provisions and contingencies
357.00
-108.00
29.00
Profit before exceptional items and tax
747.00
—
2,964.00
Exceptional items
-270.00
0.00
0.00
Profit before tax
747.00
2,388.00
2,964.00
Tax expense
242.00
618.00
596.00
Profit for the period
504.00
1,770.00
2,368.00
Profit attributable to owners
495.00
1,771.00
2,360.00
Profit attributable to non-controlling interests
0.00
0.00
0.00
con:SHARE_OF_ASSOCIATES
-10.00
1.00
-8.00
Earnings per share, basic
5.96
16.84
21.42
Earnings per share, diluted
5.96
16.84
21.42
Balance sheet, as filed
Line
2022-03-31
2022-09-30
2023-09-30
2024-03-31
2024-09-30
2025-09-30
2026-03-31
Capital
93.00
96.00
103.00
110.00
110.00
110.00
110.00
Reserves and surplus
7,890.00
8,382.00
10,508.00
12,083.00
13,196.00
14,826.00
16,390.00
Deposits
114,703.00
115,703.00
126,579.00
134,763.00
137,907.00
152,017.00
165,342.00
Borrowings
2,371.00
2,929.00
3,783.00
2,885.00
2,884.00
2,382.00
3,431.00
Other liabilities and provisions
5,519.00
4,198.00
4,610.00
4,664.00
5,359.00
5,291.00
3,687.00
Total equity and liabilities
130,576.00
131,308.00
145,584.00
154,505.00
159,456.00
174,627.00
188,960.00
Cash and balances with the RBI
1,395.00
5,785.00
7,130.00
7,250.00
7,255.00
6,787.00
7,622.00
Balances with banks and money at call
7,397.00
83.00
336.00
946.00
296.00
344.00
233.00
Investments
33,785.00
35,323.00
32,562.00
34,900.00
38,656.00
44,209.00
40,520.00
Advances
70,393.00
74,548.00
87,813.00
93,757.00
96,124.00
105,142.00
122,633.00
Property, plant and equipment
1,954.00
1,922.00
2,274.00
2,258.00
2,229.00
2,187.00
2,533.00
Other assets
15,652.00
13,646.00
15,470.00
15,394.00
14,896.00
15,957.00
15,419.00
Total assets
130,576.00
131,308.00
145,584.00
154,505.00
159,456.00
174,627.00
188,960.00
Asset quality and capital, as filed
Line
2023-03-31
2023-09-30
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Gross non-performing assets
5,204.00
4,827.00
4,526.00
3,956.00
3,858.00
3,916.00
4,041.00
3,638.00
3,585.00
3,487.00
3,125.00
3,089.00
Net non-performing assets
1,334.00
917.00
741.00
737.00
728.00
813.00
898.00
829.00
796.00
776.00
785.00
769.00
Gross NPA, per cent
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA, per cent
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Return on assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CET-1 ratio
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Additional Tier-1 ratio
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
Holder
2023-06-30
2023-09-30
2023-12-15
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-03-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Promoter and promoter group
63.41
63.41
59.40
59.40
59.40
59.40
59.40
59.40
59.40
59.40
0.59
0.59
0.59
0.59
Domestic institutions
2.44
4.92
7.27
8.00
8.15
6.99
6.66
6.83
6.70
5.87
0.06
0.06
0.06
0.08
Mutual funds
—
—
—
—
—
—
—
—
—
3.49
0.04
0.04
0.04
0.06
Insurance companies
1.42
1.43
1.34
2.18
2.49
2.73
2.69
2.63
2.59
2.14
0.02
0.02
0.02
0.01
Foreign institutions
2.18
2.61
5.17
5.81
6.99
7.16
6.46
7.07
7.64
8.01
0.08
0.08
0.08
0.09
Government
—
—
—
—
—
—
—
—
—
0.00
0.00
0.00
0.00
0.00
Public
36.59
36.59
40.60
40.60
40.60
40.60
40.60
40.60
40.60
40.60
0.41
0.41
0.41
0.41
Non-institutional
31.97
29.06
28.16
26.79
25.47
26.45
27.48
26.71
26.26
26.72
0.27
0.27
0.26
0.23
Shares outstanding
1031479861
1031479861
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
1101182463
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
Counterparty
Relationship
Type
Amount in the period
Transactions
J&K GRAMEEN BANK
ASSOCIATE
Any other transaction, Interest paid, Interest recei
662,100,000.00
3
JKB FINANCIAL SERVICES LIMITED
100 % SUBSIDIARY
Any other transaction, Interest paid, Interest recei
15,500,000.00
4
MR BALDEV PRAKASH
MD & CEO
Remuneration
7,100,000.00
1
MR SUDHIR GUPTA
EXECUTIVE DIRECTOR
Remuneration
2,800,000.00
1
MR FAYAZ AHMAD GANIE
CFO
Remuneration
1,400,000.00
1
CS MOHAMMAD SHAFI MIR
COMPANY SECRETARY
Remuneration
1,400,000.00
1
MR PRATIK D PUNJABI
CFO
Remuneration
100,000.00
1
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
That standing instruction is executed so that the interest demand generated is satisfied.
—
Guidance
And you maintained the 6% gross NPA guidance.
And sir, any growth numbers would you like to guide for.
Margin
—
And just the last question from my side on the margin.
Revenue growth
—
As I've already told, we are looking for around 12% to 15% growth as far as the deposits is concerned, and we are looking for around 15% of growth in …