Share of Jammu & Kashmir Bank Ltd is currently trading at around Rs.91/-Existing as well as Prospective Investors are asking for J&K Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the J&K Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of Jammu & Kashmir Bank Ltd:
Jammu & Kashmir Bank Ltd (J&K Bank) has demonstrated robust financial performance in FY2023-24, achieving its highest-ever annual profit of ₹1,767 crore—a 48% year-on-year increase from ₹1,197 crore in FY2022-23 . This growth was underpinned by a 10% rise in total income to ₹6,029.17 crore and a 14% increase in net advances to ₹93,762.51 crore .
The bank’s asset quality has improved significantly, with gross non-performing assets (GNPAs) declining to a decadal low of 4.08% and net NPAs reducing to 0.79% . The provision coverage ratio (PCR) stands at a robust 91.58%, reflecting prudent risk management. Capital adequacy has also strengthened, with the Capital Adequacy Ratio (CAR) improving to 15.33% and the Common Equity Tier 1 (CET1) ratio reaching 12.02% .
Operational efficiency has been a focus area, evidenced by a cost-to-income ratio of 54.56% in Q2 FY2024-25 and a net interest margin (NIM) of 3.90% . The bank’s return on assets (ROA) and return on equity (ROE) have been healthy, at 1.22% and 18.01% respectively .
Looking ahead, J&K Bank is poised for sustainable growth. The bank plans to leverage the economic development in the Jammu & Kashmir region, particularly the infrastructure expansion and increasing tourism, to drive business growth . Strategic focus areas include enhancing digital banking capabilities, expanding retail lending—especially in housing and personal finance—and targeting the agriculture and MSME sectors
With a solid capital base, improved asset quality, and strategic initiatives aligned with regional economic trends, J&K Bank is well-positioned to continue its growth trajectory and deliver value to stakeholders.
Share Price Targets:
J&K Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of Jammu & Kashmir Bank Ltd is likely to touch the level of around Rs.100-120 in 2025
J&K Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of Jammu & Kashmir Bank Ltd is likely to touch the level of around Rs.200-225 in 2030
J&K Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of Jammu & Kashmir Bank Ltd is likely to touch the level of around Rs.400-450 in 2035
J&K Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of Jammu & Kashmir Bank Ltd is likely to touch the level of around Rs.900-1000 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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