Jammu and Kashmir Bank Q3 FY26 Earnings Results; Profit up by 10.45% YoY

Jammu and Kashmir Bank has released its consolidated Q3 FY26 earnings report, revealing a modest increase in total income alongside an increase in net profit. The results reflect the company's financial performance during the December 2025 quarter. 

Jammu and Kashmir Bank Income and Interest Earnings 

In the December 2025 quarter, Jammu and Kashmir Bank's consolidated total income rose by 4.2% year-on-year (YoY) to ₹3,596.86 crore, up from ₹3,451.71 crore in the same period last year.  

This increase was mirrored quarter-on-quarter (QoQ) with a rise from ₹3,450.26 crore in September 2025. Interest earned also saw a growth of 3.3% YoY, reaching ₹3,314.94 crore, supported by steady growth in advances and investment income. 

Jammu and Kashmir Bank Operating and Profit Metrics 

The operating profit before provisions and contingencies increased by 4.4% YoY to ₹781.39 crore, compared to ₹748.66 crore a year ago. This figure surged 25.3% QoQ from ₹623.75 crore in the previous quarter.  

Profit before tax rose by 5.0% YoY to ₹807.20 crore, aided by lower interest costs and stable operating expenses. 

Read More: PNB Q3 FY26 Earnings Results: Net Profit Rises 13% to ₹5,100 Crore and GNPA Falls to 3.19%! 

Jammu and Kashmir Bank Net Profit and Associates Impact 

Despite the positive trends in income and operating profit, Jammu and Kashmir Bank's net profit increased by 10.45% YoY to ₹587.51 crore. However, it showed an 18.7% QoQ increase from ₹494.91 crore in September 2025, attributed to improved operating performance.  

Jammu and Kashmir Bank 9-Month Performance 

For the nine months ending December 2025, Jammu and Kashmir Bank's total income rose by 5.0% YoY to ₹10,569.77 crore. Net profit for this period increased by 4.5% YoY to ₹1,568.42 crore, indicating steady earnings despite provisioning pressures. 

Jammu and Kashmir Bank Share Price Performance  

As of January 20, 2026, at 3:30 PM, Jammu and Kashmir Bank share price on NSE was closed at ₹98.92 down by 3.77% from the previous closing price. 

Conclusion 

Jammu and Kashmir Bank's Q3 FY26 earnings report highlights a balanced financial performance with growth in total income and operating profit. The results underscore the company's ability to manage costs effectively while navigating challenges in the financial landscape. 

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