Financial Results June, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 29 Jul 2026, 02:02 PM IST · BSE ID: a6dcf78a-c822-4506-81e7-5040b1c437d5
View Original BSE Filing (PDF)
💡
In Simple Terms
Jammu & Kashmir Bank announced its first-quarter financial results for the year, showing its profit and asset quality.
🤖 AI Summary
- Jammu & Kashmir Bank reported standalone net profit of Rs. 424.18 crore for the quarter ended June 30, 2026.
- Gross Non-Performing Assets (NPAs) stood at 2.37% and Net NPAs at 0.60% as of June 30, 2026.
- Capital Adequacy Ratio (BASEL III) was 16.67%, with CET1 Ratio at 13.91% as of June 30, 2026.
- Deposits increased to Rs. 1,73,420.33 crore and Advances to Rs. 1,28,183.11 crore as of June 30, 2026.
- The accounting policy for PSLCs changed from April 1, 2026, increasing Q1 FY27 Profit after Tax by Rs. 56.29 crore.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit
Rs. 424.18 crore
Deposits
Rs. 1,73,420.33 crore
Advances
Rs. 1,28,183.11 crore
Capital Adequacy Ratio (BASEL III)
16.67%
🏢 How This Affects the Company
The bank's deposit base expanded to Rs. 1,73,420.33 crore and advances increased to Rs. 1,28,183.11 crore as of June 30, 2026.
Net profit for the quarter was Rs. 424.18 crore. Asset quality improved with Gross NPAs at 2.37% and Net NPAs at 0.60%.
An accounting policy change effective April 1, 2026, for Priority Sector Lending Certificates (PSLCs) recognition, affected how income and expenditure are recorded.
The decline in Gross NPA % from 2.50% (March 31, 2026) to 2.37% (June 30, 2026) and Net NPA % from 0.64% to 0.60% indicates a reduction in credit risk.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the financial performance reflected in the net profit of Rs. 424.18 crore and the asset quality metrics, which underpin the bank's operational stability.
🔍
Management Signal
The Board's approval of the financial results and disclosure of asset quality metrics signals ongoing transparency and adherence to regulatory reporting standards.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor net profit trend and asset quality further
Updates on deposit and advance growth rates for the next quarter
Confirmation of sustained capital adequacy ratios in subsequent filings
LOW RISK
The filing indicates an improvement in asset quality and healthy capital adequacy ratios.
💡 Investor Takeaway
Jammu & Kashmir Bank recorded a standalone net profit of Rs. 424.18 crore for Q1 FY27. Asset quality improved with Gross NPA at 2.37% and Net NPA at 0.60%. The bank's Capital Adequacy Ratio stood at 16.67%, confirming its financial position.
⚖️ Strengths & Concerns
✅ Positives
- Gross NPA % decreased to 2.37% on June 30, 2026, from 2.50% on March 31, 2026, indicating improved asset quality.
- Deposits increased to Rs. 1,73,420.33 crore on June 30, 2026, from Rs. 1,65,354.00 crore on March 31, 2026, demonstrating deposit growth.
⚠️ Concerns
- Profit After Tax for the quarter ended June 30, 2026, was Rs. 424.18 crore, lower than Rs. 484.84 crore for the quarter ended June 30, 2025.
- Other Income decreased to Rs. 214.02 crore for the quarter ended June 30, 2026, from Rs. 939.85 crore for the year ended March 31, 2026 (quarter data for Q1 FY26 not provided directly in same format).
📅 Company Track Record
Jammu & Kashmir Bank reported a net profit of Rs. 424.18 crore for Q1 FY27, compared to Rs. 484.84 crore in Q1 FY26. Gross NPA in Q1 FY27 stood at 2.37% versus 3.50% in Q1 FY26.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Jammu & Kashmir Bank's net profit in Q1 FY27?
Jammu & Kashmir Bank reported a standalone net profit of Rs. 424.18 crore for the quarter ended June 30, 2026.
What was the Gross NPA of Jammu & Kashmir Bank as of June 30, 2026?
The Gross NPA as a percentage of Gross Advances for Jammu & Kashmir Bank was 2.37% as of June 30, 2026.
What was the Net NPA of Jammu & Kashmir Bank in Q1 FY27?
The Net NPA as a percentage of Net Advances for Jammu & Kashmir Bank was 0.60% as of June 30, 2026.
What was Jammu & Kashmir Bank's Capital Adequacy Ratio (BASEL III) in Q1 FY27?
Jammu & Kashmir Bank's Capital Adequacy Ratio (BASEL III) stood at 16.67% as of June 30, 2026.
How did the change in accounting policy affect Jammu & Kashmir Bank's Q1 FY27 profit?
A change in the accounting policy for PSLCs, effective April 1, 2026, resulted in an increase of Rs. 56.29 crore in the Bank's Profit after Tax for the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.