J&K Bank Q1 FY27 Results: Net Profit Up 179% to ₹424 Cr; Advances Rise 10%
J&K Bank reported a standalone net profit of ₹424.18 crore for Q1 FY27, a 179% increase year-on-year. Total income rose to ₹3,760.02 crore. Advances grew to ₹1,73,420.33 crore. The bank maintained a healthy CAR of 16.67% and improved its NPA ratios.
The significant increase in net profit and improvement in key financial metrics like advances and NPAs are material positive developments for the bank and its stakeholders.
The bank has reported a substantial increase in net profit and a healthy growth in advances, along with an improvement in NPA ratios, indicating positive financial performance.
The Jammu & Kashmir Bank Limited announced its reviewed financial results for the quarter ended June 30, 2026, reporting a significant increase in net profit.
For the quarter, the standalone net profit surged by 179% to ₹424.18 crore, compared to ₹153.51 crore in the corresponding quarter of the previous year. Total income for the quarter stood at ₹3,760.02 crore, an increase from ₹3,517.06 crore in the same period last year. The bank's advances portfolio saw a healthy growth, reaching ₹1,73,420.33 crore as of June 30, 2026.
The bank also reported a Capital Adequacy Ratio (CAR) under Basel III of 16.67%, with a CET1 Ratio of 13.91% and a Tier 1 Ratio of 14.78%. The Gross NPA ratio improved to 2.37% from 3.50% in the previous year, and the Net NPA ratio stood at 0.60% compared to 0.82%.
The Board of Directors took on record the reviewed financial results during their meeting held on July 29, 2026. The meeting commenced at 10:00 AM and concluded at 01:50 PM.
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See the model portfoliosA plain-language summary of a public exchange filing by The Jammu & Kashmir Bank Limited. Read the original for the full detail.