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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comJammu and Kashmir Bank Ltd is one of India’s oldest regional banks, playing a crucial role in financial inclusion, retail banking, MSME lending, and government-related banking activities in Jammu & Kashmir and nearby regions. Over the years, the bank has strengthened its balance sheet, improved asset quality, and maintained steady profitability, which has renewed investor interest.
In this article, we analyze the Jammu and Kashmir Bank Ltd share price target from 2026 to 2030 using current market data, financial fundamentals, sector trends, and long-term growth prospects.
| Detail | Value |
|---|---|
| Open | ₹102.86 |
| Previous Close | ₹102.66 |
| Day’s High | ₹104.05 |
| Day’s Low | ₹102.10 |
| VWAP | ₹103.25 |
| 52-Week High | ₹117.25 |
| 52-Week Low | ₹87.30 |
| All-Time High | ₹195.48 |
| All-Time Low | ₹2.66 |
| Market Capitalization | ₹11,333 Cr |
| Volume | 22,10,506 |
| Value (Lacs) | 2,275.05 |
| Face Value | ₹1 |
| Book Value Per Share | ₹117.78 |
| Dividend Yield | 2.09% |
| Beta | 1.36 |
Jammu and Kashmir Bank Ltd operates as a scheduled commercial bank with a strong regional presence and expanding national footprint. Its core business segments include:
Retail and corporate banking
MSME and agricultural lending
Government business and treasury operations
Digital banking and financial services
The bank enjoys a unique position due to its close association with the regional economy and government-linked banking operations.
Strong regional dominance in Jammu & Kashmir
Improving asset quality and controlled NPAs
Healthy capital adequacy and book value support
Stable dividend-paying history
Growth in retail and MSME loan portfolio
India’s banking sector is expected to grow steadily due to:
Rising credit demand from retail and MSMEs
Infrastructure and government spending
Digital banking adoption
Improving balance sheets across public-sector banks
Regional banks like Jammu and Kashmir Bank may benefit disproportionately from localized economic growth and government-backed development initiatives.
| Investor Type | Holding (%) |
|---|---|
| Promoters | 59.40% |
| Retail & Others | 26.63% |
| Foreign Institutions | 8.14% |
| Mutual Funds | 3.74% |
| Other Domestic Institutions | 2.09% |
Strong promoter holding provides stability, while gradual institutional participation reflects improving investor confidence.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2026 | 135 | 160 |
| 2027 | 165 | 195 |
| 2028 | 200 | 235 |
| 2029 | 240 | 280 |
| 2030 | 285 | 330 |
These projections assume steady credit growth, stable asset quality, and favorable banking sector conditions.
By 2026, continued loan growth and stable margins could help the bank trade closer to its book value.
Growth Drivers
Expansion in retail and MSME loans
Stable net interest margins
Improved operational efficiency
Investment View: Suitable for medium-term investors seeking value in banking stocks.
Improved profitability and return ratios may attract stronger institutional interest.
Growth Drivers
Lower NPAs and better asset quality
Higher credit demand in core regions
Growth in non-interest income
Investment View: Strong fundamentals-driven upside potential.
By 2028, the bank could benefit from re-rating as a stable regional banking franchise.
Growth Drivers
Digital banking adoption
Rising CASA deposits
Consistent earnings growth
Investment View: Good for long-term portfolio allocation.
Sustained profitability may result in improved valuation multiples.
Growth Drivers
Higher ROE and ROA
Stable credit costs
Expansion beyond traditional markets
Investment View: Suitable for investors seeking steady compounding.
By 2030, Jammu and Kashmir Bank could emerge as a strong regional banking player with national relevance.
Growth Drivers
Strong balance sheet
Long-term economic growth in the region
Consistent dividend payouts
Investment View: Potential long-term wealth creation opportunity.
Jammu and Kashmir Bank Ltd offers a value-oriented banking investment with improving fundamentals, reasonable valuations, and steady dividend income. It may suit investors looking for exposure to India’s banking growth with moderate risk.
Trading near book value
Improving financial metrics
Stable promoter holding
Consistent dividend yield
Regional economic dependence
Regulatory and policy changes
Banking sector cyclicality
Jammu and Kashmir Bank Ltd has shown steady improvement in operations, asset quality, and profitability. Supported by a strong regional franchise and India’s expanding banking ecosystem, the stock holds promising long-term potential.
Based on current assumptions, Jammu and Kashmir Bank Ltd share price could range between ₹285 and ₹330 by 2030, subject to market conditions and execution consistency.
1. What is the current share price of Jammu and Kashmir Bank Ltd?
It trades around the levels mentioned in the latest market data and fluctuates daily.
2. What is the share price target for 2026?
The estimated range for 2026 is ₹135 to ₹160.
3. Is Jammu and Kashmir Bank Ltd a good long-term investment?
It may be suitable for investors seeking value and stable banking sector exposure.
4. What is the share price target for 2030?
The projected target range for 2030 is ₹285 to ₹330.
5. What factors most influence J&K Bank’s share price?
Loan growth, asset quality, interest rates, regulatory policies, and overall banking sector sentiment.
Disclaimer: This article is for educational purposes only and should not be considered financial advice. Please consult a certified financial advisor before making investment decisions.
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