J&K Bank Q1 FY27 Results: Net Profit Rs 424 Cr, NPA Improves

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J&KBANK · price

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Price reactionminutes from the announcement price · days from the prior close

-12.7%Reaction day

₹177.50

prior close

₹179.65

announcement price

In-mkt

timing

Nifty Smallcap 250market+1.3%-14.1% vs market

Private Sector Bank peers, median of 19sector+0.3%-13.0% vs sector

On the reaction day the stock moved 14.1 pts less than Nifty Smallcap 250 and 13.0 pts less than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-6.3

10m

-8.5

15m

-11.4

30m

-8.5

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-12.7+1.3-14.1+0.3-13.0

Next day

-13.4+0.6-14.0-0.4-13.0

-12.1+1.0-13.1+0.1-12.2

-12.2+2.4-14.6+1.8-14.0

-11.3+2.6-13.8+0.8-12.1

-11.8+3.3-15.0-0.1-11.6

-10.2+3.5-13.6+0.1-10.2

15d

-15.5+2.8-18.3-1.2-14.4

-16.6+3.6-20.2+2.5-19.1

-21.7+0.0-21.8-1.9-19.8

-31.0-3.6-27.4-4.1-26.8

UpDownMarket · Nifty Smallcap 250Sector · Private Sector Bank peers, median of 19Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

J&K Bank Q1 FY27 standalone net profit was Rs 424.18 crore, down from Rs 797.80 crore in Q4 FY26 and Rs 484.84 crore in Q1 FY26. Total income rose to Rs 3,760 crore from Rs 3,517 crore year-on-year. Gross NPA improved to 2.37 percent from 2.50 percent in March 2026. Capital adequacy rose to 16.67 percent. A PSLC accounting policy change boosted PAT by Rs 56.29 crore. Auditors flagged emphasis of matter on the policy change and IFR transfer.

Likely market impact

Lower YoY profit may worry investors, but improving NPA, stronger capital, and steady advances support long-term outlook.