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For the full year,net profit rose 13.34% to Rs 2359.51 crore in the year ended March 2026 as against Rs 2081.79 crore during the previous year ended March 2025. Total Operating Income rose 4.86% to Rs 13150.73 crore in the year ended March 2026 as against Rs 12541.08 crore during the previous year ended March 2025.
Net interest income (NII) remained largely stable at Rs 1,487.48 crore in Q4 FY26, up 0.5% compared with Rs 1,479.99 crore in Q4 FY25. Net interest margin contracted to 3.52% as on 31st March 2026 compared with Rs 3.88% as on 31st March 2025.
Total deposits jumped 11.3% to Rs 165,354 crore as on 31st March 2026 compared with Rs 148,569 crore as on 31st March 2025. Gross advances stood at Rs 124,981 crore as on 31st March 2026.
CASA deposits also grew steadily by 8.07% YoY to Rs 75,478 crore as on 31st March 2026, with CASA Ratio increasing to 45.65% in Q4 FY26 from 44.10% recorded last quarter.
Asset quality improved significantly during the quarter. The bank’s Gross non-performing assets (NPA) ratio declined sharply by 50 bps to 2.5% as on 31st March 2026, from 3% as on 31st December 2025 and 3.37% as on 31st March 2025, while the Net NPA ratio stood at 0.64% as on 31st March 2026. The Provision Coverage Ratio (PCR) also remains strong at over 90%, underscoring the bank’s focus on prudential provisioning.
The Bank’s CRAR stood at 16.55% as on March 31, 2026
On full year basis, the company’s standalone net profit increased 13.49% to Rs 2,363.48 crore on 3.06% increase in total income to Rs 14,085.05 crore in FY26 over FY25.
MD & CEO Amitava Chatterjee said, “Going forward, we remain focused on leveraging emerging opportunities across geographies in rest of the country while deepening our presence in core markets of J&K and Ladakh. The strategic thrust continues to be on expanding retail lending, supporting MSMEs and enhancing credit flow to the agriculture sector.”
J&K Bank offers banking services under the three major divisions as support services, depository services, and third-party services.
The counter added 2.28% to end at Rs 134.65 on the BSE.
Total deposits increased 11.30% to Rs 165,354.04 crore as of 31 March 2026, compared with Rs 148,569.46 crore as of 31 March 2025. CASA deposits rose 8.07% YoY to Rs 75,478.40 crore as of 31 March 2026.
Gross investment declined 1.55% to Rs 41,319.50 crore as of 31 March 2026, compared with Rs 41,970.20 crore as of 31 March 2025.
The bank reported a 10.4% jump in net profit to Rs 586.73 crore on a 4.2% rise in total income to Rs 3,592.90 crore in Q3 FY26 over Q3 FY25.
Jammu and Kashmir Bank Ltd, R R Kabel Ltd, Central Bank of India, DOMS Industries Ltd are among the other stocks to see a surge in volumes on NSE today, 24 February 2026.
Aegis Logistics Ltd clocked volume of 107.14 lakh shares by 14:14 IST on NSE, a 58.67 times surge over two-week average daily volume of 1.83 lakh shares. The stock lost 0.54% to Rs.698.60. Volumes stood at 2.41 lakh shares in the last session.
Jammu and Kashmir Bank Ltd registered volume of 266.87 lakh shares by 14:14 IST on NSE, a 13.43 fold spurt over two-week average daily volume of 19.87 lakh shares. The stock rose 2.84% to Rs.109.57. Volumes stood at 48.31 lakh shares in the last session.
R R Kabel Ltd clocked volume of 6.13 lakh shares by 14:14 IST on NSE, a 5.32 times surge over two-week average daily volume of 1.15 lakh shares. The stock gained 2.43% to Rs.1,485.90. Volumes stood at 1.91 lakh shares in the last session.
Central Bank of India registered volume of 283.61 lakh shares by 14:14 IST on NSE, a 4.53 fold spurt over two-week average daily volume of 62.59 lakh shares. The stock rose 1.82% to Rs.39.21. Volumes stood at 107.23 lakh shares in the last session.
DOMS Industries Ltd recorded volume of 1.3 lakh shares by 14:14 IST on NSE, a 4.24 times surge over two-week average daily volume of 30766 shares. The stock gained 2.62% to Rs.2,358.30. Volumes stood at 20764 shares in the last session.
Total business stood at Rs 2,72,109.27 crore as of 31 December 2025, up 13.34%, compared with Rs 2,40,080.49 crore as of 31 December 2024.
CASA deposits rose 1.25% YoY to Rs 68,736.27 crore as of 31 December 2025. CASA ratio reduced to 44.10% as of 31 December 2025 as against 48.17% as of 31 December 2024.
Total deposits increased 10.58% to Rs 1,55,861.35 crore as of 31 Decemeber 2025, compared with Rs 1,40,947.14 crore as of 31 December 2024.
Gross investment declined 2.07% to Rs 40,535.76 crore as of 31 December 2025, compared with Rs 41,394.29 crore as of 31 December 2024.
The bank reported a 1.91% jump in net profit to Rs 494.11 crore on a 2.04% decline in total income to Rs 3,446.71 crore in Q2 FY26 over Q1 FY26. On a year-on-year (YoY) basis, the company’s net profit declined 10.31%, and revenue rose 0.79% in Q2 FY26.
Shares of Jammu & Kashmir Bank rallied 1.29% to close at Rs 102.35 on the BSE on 2 January 2026.
Headquartered in Srinagar, the Jammu & Kashmir Bank operates across India with 1,000+ branches and 1,400+ ATMs, leveraging advanced IT infrastructure to connect all its offices and branches through a robust WAN network. To accelerate its digital transformation and enhance customer experience, Jammu & Kashmir Bank has chosen Dynacons to implement an Advanced Workplace Solution powered by DaaS. This initiative will modernize the bank's IT ecosystem and support its vision for scalable, secure, and cost-efficient operations.
The project involves deploying 9,851 advanced desktops across 1,019 branches PAN India on an Opex-based DaaS model for a period of 5 years. This comprehensive solution will cover the entire device lifecycle, including procurement, configuration, support, security updates, and e-waste management. By adopting this model, the bank will benefit from predictable costs and improved cash flow, significantly reducing the IT management burden. It will also enable scalability to meet evolving business needs, support remote and hybrid work environments, and align seamlessly with the bank's digital transformation goals.