J&K Bank Q3 FY26 Results: Deposits Up 10%, Advances Up 18% YoY

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J&KBANK · price

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

+2.3%Reaction day

₹100.80

prior close

₹99.50

announcement price

After-mkt

timing

Nifty Smallcap 250market · index membership as recorded later (tracked since Jun 2026)-0.7%+3.0% vs market

Private Sector Bank peers, median of 19sector-0.5%+2.8% vs sector

On the reaction day the stock moved 3.0 pts more than Nifty Smallcap 250 and 2.8 pts more 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

+2.3

10m

+3.5

15m

+3.8

30m

+2.6

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+2.3-0.7+3.0-0.5+2.8

Next day

+6.3+0.2+6.2+1.2+5.1

+3.2-1.8+5.0+0.1+3.1

+3.4-1.6+5.0+2.0+1.4

+4.4+0.3+4.1+1.3+3.2

+3.4+0.2+3.2+1.5+1.9

+1.5-0.6+2.0+0.3+1.2

15d

+2.8+4.2-1.4+4.1-1.3

+6.0+2.8+3.2+4.5+1.5

+7.8-8.7+16.6-12.5+20.4

+31.4+5.9+25.6+0.7+30.7

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 submitted reviewed Q3 FY26 and 9M FY26 results. Deposits grew 10.6% YoY to Rs 1,55,861 crore, while advances rose 18.3% YoY to Rs 1,13,537 crore. Quarterly profit showed growth over the year-ago period. Auditors flagged an emphasis of matter on the Rs 345.92 crore investment in associate J&K Grameen Bank, with Rs 228.66 crore impairment provision made. All four joint auditors are continuing. Bank also reported 6 fresh frauds of Rs 159.49 crore with 100% provision.

Likely market impact

Steady deposit and loan growth is positive, but the large associate impairment and fresh fraud cases warrant caution by shareholders.