Jammu & Kashmir Bank Q2 FY27 Net Profit up to Rs. 546.36 Crore
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 22 Oct 2026, 01:15 PM IST · BSE ID: 7d997470-f9e6-4596-9838-117da6827c68
View Original BSE Filing (PDF)
💡
In Simple Terms
Jammu & Kashmir Bank's profit increased in the recent quarter, with improved asset quality and growth in loans.
🤖 AI Summary
- Jammu & Kashmir Bank reported a net profit of Rs. 546.36 crore for Q2 FY27.
- Total income for the quarter ended September 30, 2026, was Rs. 4,041.99 crore.
- Gross NPAs decreased to 2.23% in Q2 FY27, down from 3.32% in Q2 FY26.
- Advances increased to Rs. 1,31,234.13 crore as of September 30, 2026.
- The Board of Directors approved the reviewed standalone and consolidated financial results.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit for the Quarter (Q2 FY27)
Rs. 546.36 crore
10.57%
Total Income for the Quarter (Q2 FY27)
Rs. 4,041.99 crore
17.43%
Gross NPAs as of 30.09.2026
2.23%
Net NPAs as of 30.09.2026
0.51%
Advances as of 30.09.2026
Rs. 1,31,234.13 crore
24.80%
Capital Adequacy Ratio (BASEL III) as of 30.09.2026
16.57%
🏢 How This Affects the Company
The bank's interest earned on advances/bills increased to Rs. 2,812.44 crore for Q2 FY27, indicating growth in its core lending business. Advances expanded to Rs. 1,31,234.13 crore.
Net profit for Q2 FY27 increased to Rs. 546.36 crore. Gross NPA ratio improved to 2.23%, and Net NPA ratio decreased to 0.51%, indicating better asset quality and reduced credit risk.
Not directly stated in the filing beyond the financial results and asset quality metrics. The audit review process covered a significant portion of the advances portfolio.
The reduction in Gross NPAs to 2.23% and Net NPAs to 0.51% lowers the bank's credit risk exposure. Capital Adequacy Ratio (BASEL III) stood at 16.57%, reinforcing financial stability.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
Shareholders are affected by the improved financial performance, reflected in the increased net profit of Rs. 546.36 crore and reduced NPA ratios, which can influence perceptions of financial health.
🔍
Management Signal
The focus on improving asset quality and driving core interest income growth is evident from the reported financial results.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — review net profit and asset quality trends.
Upcoming regulatory disclosures — monitor any further changes in banking norms.
Analysis of advances growth — identify key segments contributing to expansion.
LOW RISK
The filing indicates improvement in key financial metrics and asset quality, reducing immediate operational and financial risks.
💡 Investor Takeaway
Jammu & Kashmir Bank reported a net profit of Rs. 546.36 crore for Q2 FY27, up from Rs. 494.11 crore YoY. Gross NPAs improved to 2.23% from 3.32%, and Net NPAs to 0.51% from 0.76% as of September 30, 2026. Total income reached Rs. 4,041.99 crore.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit for Q2 FY27 increased to Rs. 546.36 crore compared to Rs. 494.11 crore in Q2 FY26, indicating profit growth.
- Gross NPA ratio improved to 2.23% as of September 30, 2026, from 3.32% as of September 30, 2025.
⚠️ Concerns
- Income on Investments for Q2 FY27 decreased to Rs. 764.06 crore from Rs. 767.03 crore in Q2 FY26.
- Interest on Balance with RBI & Other Inter-Bank Funds decreased to Rs. 16.02 crore from Rs. 24.49 crore in Q2 FY26.
📅 Company Track Record
Jammu & Kashmir Bank reported a net profit of Rs. 424.18 crore in Q1 FY27 (June 2026), with a Gross NPA of 2.37%. This Q2 FY27 result of Rs. 546.36 crore shows a sequential increase in net profit and further improvement in Gross NPA to 2.23%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Jammu & Kashmir Bank's net profit in Q2 FY27?
Jammu & Kashmir Bank reported a net profit of Rs. 546.36 crore for the quarter ended September 30, 2026 (Q2 FY27).
How did Jammu & Kashmir Bank's Gross NPAs change in Q2 FY27?
The Gross NPA ratio for Jammu & Kashmir Bank decreased to 2.23% as of September 30, 2026, compared to 3.32% as of September 30, 2025.
What was the total income for Jammu & Kashmir Bank in Q2 FY27?
Jammu & Kashmir Bank's total income for the quarter ended September 30, 2026, was Rs. 4,041.99 crore.
What is Jammu & Kashmir Bank's Capital Adequacy Ratio (BASEL III) as of Q2 FY27?
The Capital Adequacy Ratio (BASEL III) for Jammu & Kashmir Bank was 16.57% as of September 30, 2026.
What were Jammu & Kashmir Bank's total advances as of Q2 FY27?
Total advances for Jammu & Kashmir Bank stood at Rs. 1,31,234.13 crore as of September 30, 2026.
Questions based on this BSE filing only. For information purposes.