The Jammu & Kashmir Bank Limited (J&KBANK) quarterly results

The Jammu & Kashmir Bank Limited Q1 FY27 results

As filed: Revenue ₹3,547 cr, EBITDA ₹403 cr, PAT ₹425 cr, EBITDA margin 11.4%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹3,273 cr, EBITDA ₹600 cr, PAT ₹799 cr, EBITDA margin 18.3%. Not scored. Bank result format: not scored yet. Share price after the results: +9.6% in 30 days (Nifty 500: −1.4%).
• Q3 FY26: Revenue ₹3,315 cr, EBITDA ₹525 cr, PAT ₹588 cr, EBITDA margin 15.9%. Not scored. Bank result format: not scored yet. Share price after the results: +7.3% in 30 days (Nifty 500: +1.5%).
• Q2 FY26: Revenue ₹3,293 cr, EBITDA ₹478 cr, PAT ₹495 cr, EBITDA margin 14.5%. Not scored. Bank result format: not scored yet. Share price after the results: +3.3% in 30 days (Nifty 500: +1.5%).
• Q1 FY26: Revenue ₹3,269 cr, EBITDA ₹406 cr, PAT ₹486 cr, EBITDA margin 12.4%. Not scored. Bank result format: not scored yet. Share price after the results: −6.0% in 28 days (Nifty 500: −0.1%).
• Q4 FY25: Revenue ₹3,213 cr, EBITDA ₹404 cr, PAT ₹585 cr, EBITDA margin 12.6%. Not scored. Bank result format: not scored yet. Share price after the results: +9.1% in 30 days (Nifty 500: +2.8%).
• Q3 FY25: Revenue ₹3,210 cr, EBITDA ₹516 cr, PAT ₹532 cr, EBITDA margin 16.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹3,124 cr, EBITDA ₹456 cr, PAT ₹553 cr, EBITDA margin 14.6%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

AI summary: Earnings call, Q1 FY27

Earnings call of 29 Jul 2026, summarised by AI from the filing.

J&K Bank Q1 FY27 net profit ₹424 cr, NIM 3.28%; FY27 guidance unchanged with credit growth 12% and NIM around 3.5%.

Key takeaways

1. Net profit ₹424 cr in Q1 FY27, below last year on higher standard asset provisioning from advances growth.
2. Margin compression NIM fell to 3.28% in Q1 FY27 from competitive corporate lending and higher deposit costs; management calls it an aberration.
3. Retail growth Retail growth in J&K doubled Y-o-Y; retail yields at least 200 bps above corporate book, expected to lift NIMs.

The Jammu & Kashmir Bank Limited earnings call summary

Original filing on BSE

The Jammu & Kashmir Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (29 Jul 2026), Results deck (29 Jul 2026)
• Q4 FY26: Earnings call (5 May 2026), Results press release (5 May 2026)
• Q3 FY26: Earnings call (20 Jan 2026), Results press release (20 Jan 2026)
• Q2 FY26: Earnings call (18 Oct 2025), Results press release (18 Oct 2025)
• Q1 FY26: Earnings call (28 Jul 2025), Results deck (25 Jul 2025)
• Q4 FY25: Earnings call (6 May 2025), Results press release (5 May 2025)