Announcement under Regulation 30 (LODR)-Newspaper Publication 14 Oct
Source: Bse
Financial Services stocks · Large cap · NSE
The Jammu & Kashmir Bank Limited is a financial institution providing banking services. It reported audited financial results for the Fourth Quarter and Financial Year ended March 31, 2026, demonstrating growth in deposits and advances, alongside improved asset quality.
SMA20 -4.8% / mo · MACD +
Latest mapped FPI equity flow was not positive. View sector evidence
Adjusted completed-session prices, rebased to 100
Investable fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is mixed.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
No classified quarterly result is available yet.
Price trend and sector-relative-strength timing.
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Financial-only signal; management claim evidence is not sufficient yet.
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
No classified quarterly result is available yet. Financial-history charts below may still contain upstream data.
Updated 19/10/2026
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Signals are conflicting — long-term uptrend intact. RSI 45. Wait for confirmation.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
U-Score 64 · legacy U-Score band UNDERVALUED · valuation evidence and comparable companies
Top U-Score contributors and drags from the latest stored fundamentals.
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
12 stored score snapshots. Latest stored move: +0 points.
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Growth engines, risks, management commitments and evidence-backed delivery
J&K Bank reports strong Q4 and FY26 profit growth, driven by robust advances and deposit expansion. Asset quality improved significantly YoY, though Net Interest Margins compressed.
The bank delivered strong profit growth and significant asset quality improvement in FY26 and Q4. Robust advances growth and deposit mobilization are positive, but the continued compression in Net Interest Margins is a concern that warrants close observation.
Latest issuer-disclosed distribution across 10 reported categories.
Net Advances grew by 18% YoY to Rs.1,22,641 crore as on March 31, 2026.
Deposits grew by 11.3% YoY to Rs.1,65,354 crore as on March 31, 2026.
Gross Advances in Rest of India grew by 30.9% YoY to Rs.48,822 crore as on March 31, 2026.
Deposits in Rest of India grew by 18.2% YoY to Rs.28,523 crore as on March 31, 2026.
Number of ATMs increased to 1437 as on March 31, 2026, from 1424 as on March 31, 2025.
Gross NPA ratio improved to 2.50% and Net NPA ratio to 0.64% as on March 31, 2026, from 3.37% and 0.79% respectively YoY.
Net Profit grew by 13.5% YoY for FY26 and 36.5% YoY for Q4 FY26.
Cost to Income Ratio improved to 56.18% for FY26 from 57.69% YoY, and to 47.86% for Q4 FY26 from 57.48% YoY.
Net Interest Margin declined to 3.60% for FY26 from 3.92% YoY, and to 3.52% for Q4 FY26 from 3.88% YoY.
CASA Ratio decreased to 45.65% as on March 31, 2026, from 47.01% YoY.
Yield on Advances declined to 8.98% for FY26 from 9.56% YoY, and to 8.51% for Q4 FY26 from 9.44% YoY.
82.7% of Deposits and 60.9% of Gross Advances are concentrated in J&K UT as on March 31, 2026.
Real Estate sector has a Gross NPA of 21.66% as on March 31, 2026, significantly higher than other sectors.
Services sector has a Gross NPA of 7.33% as on March 31, 2026.
Interest Expended on Borrowings increased by 1998.2% YoY in Q4 FY26 and 121.3% YoY in FY26.
Issuer guidance and extracted claims are tracked against later reported outcomes. Treat these as management statements, not IndiaPulse forecasts.
Financial services performance is best understood by comparing both annual (YoY) trends for overall business growth and asset quality, and quarterly (QoQ) for sequential momentum in spreads, utilization, and project execution.
Net Profit for FY 2025-26 was Rs.2,363.47 crore (13.5% YoY) and for Q4 FY26 was Rs.797.81 crore (36.5% YoY).
Deposits stood at Rs.1,65,354 crore as on March 31, 2026, an 11.3% YoY increase.
Net Advances stood at Rs.1,22,641 crore as on March 31, 2026, an 18% YoY increase.
NIM for FY 2025-26 was 3.60% (vs 3.92% YoY) and for Q4 FY26 was 3.52% (vs 3.88% YoY).
| Checkpoint | Current evidence | What to verify next |
|---|---|---|
| Net Interest Margin (NIM) | 3.52% (Q4 FY26 annualized) | Stabilization or improvement in NIMs, given the recent declining trend. |
| Asset Quality (GNPA/NNPA) | GNPA 2.50%, NNPA 0.64% (Mar 31, 2026) | Continued reduction in NPA ratios and sustained high coverage. |
| Advances Growth (Rest of India) | 30.9% YoY (Rest of India) | Sustained high growth in advances outside J&K UT to diversify the portfolio. |
| CASA Ratio | 45.65% (Mar 31, 2026) | Reversal of the declining trend in CASA ratio to maintain low-cost funding. |
Verification checkpoints are IndiaPulse research interpretation, not investment advice.
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 52nd percentile of the scored universe and 66th percentile within Financial Services. Main check: cash conversion is weak at 52/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
overall median 67 · Financial Services: 66th pctile, median 62 · Large: 29th pctile, median 73
69 documents have extracted text, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Latest exchange and company disclosures found within the past two years.
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