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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.
J&K Bank offers banking services under the three major divisions as support services, depository services, and third-party services.
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.
Additionally, the board has approved raising up to Rs 500 crore via non-convertible, redeemable, unsecured, Basel III-compliant Tier II debentures on a private placement basis, pending requisite regulatory approvals.
The counter declined 1.54% to Rs 105.80 on the BSE.