J&K Bank Q3 FY26 results: profit rises, deposits and advances grow

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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

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15m

+3.8

30m

+2.6

Sessions after the filingfrom the prior close

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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 posted standalone net profit of Rs 440.69 crore for Q3 FY26 and Rs 1,308.14 crore for nine months ended Dec 31, 2025. Total deposits rose to Rs 1,55,861 crore and advances grew to Rs 1,13,537 crore from Rs 95,990 crore a year ago. NIM was 3.32%, RoA 0.94%. Gross NPA improved to 4.49% from 5.33% YoY. Bank holds Rs 228.66 crore provision against Rs 345.92 crore investment in associate J&K Grameen Bank. RBI imposed Rs 99.30 lakh penalty for regulatory non-compliance during the quarter.

Likely market impact

Higher profit and improving asset quality are positives, but associate impairment and regulatory penalty are watch points for shareholders.