Jammu & Kashmir Bank Share Price in Focus After Q2 FY27 Earnings Results: Total Income Up 17.3% YoY

On October 22, 2026, Jammu & Kashmir Bank Limited reported its Consolidated Financial Results for the Quarter and Half Year ended on September 30, 2026, as per the exchange filings 

Jammu & Kashmir Bank Limited reported a 17.3% year-on-year increase in consolidated total income for the September 2026 quarter, reaching ₹4,047.06 crore. Net profit rose 10.6% YoY to ₹547.30 crore, reflecting strong financial performance. 

Jammu & Kashmir Bank Q2 FY27 Earnings Results  

The bank's consolidated total income for the September 2026 quarter was ₹4,047.06 crore, up from ₹3,449.13 crore in the same period last year.  

Net profit for the quarter increased to ₹547.30 crore, a 10.6% rise from ₹494.91 crore a year ago. Sequentially, net profit rose by 28.7% from ₹425.32 crore in the June 2026 quarter. 

Half-Year Financial Performance 

For the half year ended September 30, 2026, the bank's total income increased by 12.1% YoY to ₹7,812.02 crore. However, net profit for the same period slightly decreased by 0.8% YoY to ₹972.62 crore. 

Operational Efficiency and Asset Quality 

Operating profit for the first half grew by 15% YoY to ₹1,492 crore. The bank's cost-to-income ratio improved to 56.57% from 60.79% in Q2 FY26. Asset quality saw improvement, with the Gross NPA ratio dropping by 109 basis points YoY to 2.23%, and Net NPA metrics improving to 0.51% from 0.76%. 

Read More: YES Bank Share Price in Focus After Q2 FY27 Earnings Results; Profit Rises 65% to ₹1,080 Crore! 

Business Expansion and Capital Adequacy 

The bank's total business book increased by 19.38% YoY to ₹3,10,347 crore. Gross advances rose by 23.72% YoY to ₹1,33,551 crore, and total deposits grew by 16.30% to ₹1,76,796 crore. The Capital Adequacy Ratio improved to 16.57% from 15.27% in Q2 FY26. 

Jammu and Kashmir Bank Share Price Performance 

As of October 22, 2026, at 2:40 PM, Jammu and Kashmir Bank share price on NSE was trading at ₹135.43, down by 0.05% from the previous closing price. 

Conclusion 

Jammu & Kashmir Bank's Q2 FY27 results showed a 17.3% YoY increase in total income to ₹4,047.06 crore and a 10.6% rise in net profit to ₹547.30 crore. The Gross NPA ratio improved to 2.23%. 

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