Jammu & Kashmir Bank Ltd. Share Price Target from 2025 to 2050: Future Outlook
Jammu & Kashmir (J&K) Bank, founded in 1938, is a prominent regional bank currently government-majority owned. It serves as the main banking partner in the Union Territories of Jammu & Kashmir and Ladakh, offering commercial, retail, and agricultural banking services through over 1,000 branches, with approximately 61% market share in the region
Jammu & Kashmir Bank Ltd. Overview: Growth, Products, & Market Presence
| Information | Details |
|---|---|
| Sector | Scheduled Commercial Banking |
| Key Services | Retail, MSME, Agriculture, Government, and Infrastructure Banking |
| Stock Listings | NSE: J&KBANK, BSE: 532209 |
| Market Position | ~61% share in UT banking, exclusive government agent, nodal bank for PFMS and tax collections |
Headquartered in Srinagar, J&K Bank acts as the leading financial intermediary in its core region, also extending services pan-India with strong digital banking capabilities and multiple award recognitions for innovation, MSME performance, and cybersecurity
On this page, you will find detailed insights into Jammu & Kashmir Bank Ltd.’s stock, including real-time prices, technical analysis, and long-term forecasts:
✅ Real-Time Stock Price: Updated every minute with the latest market data.
✅ Technical Indicators: Tailored by time frame for accurate trading insights.
✅ Financial Reports: Published quarterly to reflect the company’s performance.
✅ Stock Charts: Refreshed in real time for visual market analysis.
📊 Note: Jammu & Kashmir Bank Ltd.’s stock forecast prices in the tables are automatically updated based on live asset price changes.
Jammu & Kashmir Bank Ltd. Financial Overview & Key Metrics
In recent quarters, the bank has posted modest revenue growth and maintained net profits around ₹580 Cr, reflecting a steady recovery from previous stress periods. Asset quality has significantly improved, with a high provision coverage ratio (~91%) and strong capital buffers—suggesting resilience and earnings flexibility.
Below is a detailed breakdown of its key financial figures, including revenue, net profit, earnings per share (EPS), and other crucial metrics. These insights enable investors to assess the company’s financial health and long-term growth potential.
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Investment Potential & Associated Risks
Why Consider Investing in Jammu & Kashmir Bank Ltd.?
- Dominant regional franchise – controls ~61% of the banking market in J&K & Ladakh, with deep institutional linkages.
- Undervalued relative to peers – trading at ~6× PE, offering upside if earnings recovery sustains.
- Strong fundamentals – improving CASA ratio (~50%) and ROE around 17%, highlighting operational strength.
- Government and agri linkage – central to government-sponsored schemes, agri financing, and MSME credit, supporting stable income.
- Digital push backed by awards – recognized for adoption of fintech initiatives and cybersecurity, bolstering its modernization path.
Risks to Consider
- Regional dependence – heavy exposure to the J&K & Ladakh economy makes it vulnerable to local economic or political changes.
- Margin pressure – rising interest rates or competition for deposits could compress interest spreads.
- Cost and execution risks – investments in technology and branch expansion may impact cost efficiencies short-term.
- Asset quality vulnerability – despite recent improvement, NPA risks remain if the regional economy deteriorates.
Jammu & Kashmir Bank Share Price Target: Tomorrow & Weekly Outlook
Jammu & Kashmir Bank stock price forecasts for tomorrow and the upcoming week are based on recent market trends, historical price movements, and key technical indicators. These projections provide valuable insights into potential price changes, enabling traders and investors to make informed decisions.
However, various factors can influence stock prices, including market sentiment, news updates, and global events; therefore, it’s always wise to stay updated and flexible with your strategies.
📊 Below, you will find the expected stock price targets for the coming days:
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Technical Analysis of Jammu & Kashmir Bank Ltd. Using Key Indicators
For Jammu & Kashmir Bank Ltd., you can leverage indicator-based technical analysis to identify optimal market entry and exit points. Adjust the time frame according to your trading strategy for more accurate insights.
How to Interpret Technical Analysis Signals:
| ✅ Sell” or “Strong Sell | Indicates bearish (negative) market sentiment, suggesting a potential decline. |
| ✅ Buy” or “Strong Buy | Indicates bullish (positive) market sentiment, signaling a potential uptrend. |
Time Frame Considerations:
- Short-Term Analysis (Intraday/Short Swing Trading): Use time frames ranging from 15 minutes to 2 hours.
- Medium to Long-Term Analysis: If you plan to hold for more than a week, use daily to weekly time frames.
Below, you will find technical indicator-based buy and sell signals based on different time frames to assist in your investment decisions.
Future Growth Drivers for Jammu & Kashmir Bank Ltd.
- Regional economic revival – Growth in tourism, infrastructure, and private investment could boost credit demand.
- Digital banking scale-up – Expansion of UPI, mobile, and online banking may widen outreach and reduce operating costs.
- Retail and agri penetration – Continued focus on retail loans, MSME, agri, and housing credit to diversify the portfolio.
- Fee-based income growth – Emphasis on non-interest income through government business and digital services.
- Operational efficiency – Sustained cost control and branch rationalisation to improve operating ratios.
What Will Drive Jammu & Kashmir Bank’ Share Price Over the Coming Decades?
- Consistent regional business dominance
- Improvement in margins and deposit mix
- Digital transformation and efficiency gains
- Healthy asset quality and provisioning discipline
- Earnings re-rating due to value and profit growth
Jammu & Kashmir Bank Share Price Target & Forecast (2025-2050)
This long-term stock price forecast for Jammu & Kashmir Bank Ltd. is based on historical market trends, the company’s growth prospects, and industry analysis. While forecasting stock prices for the long term involves uncertainty, these forecasts help investors gain insight into potential future price movements.
📊 The following table presents the Jammu & Kashmir Bank share price target & forecast from 2025 to 2050, based on current market trends and available data.
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The Netweb Technologies Ltd. share price targets provided here are for informational purposes only. Both short-term and long-term stock price predictions are based on historical data and market trends, but actual prices may vary due to market fluctuations and external factors. This forecast assumes positive market conditions and does not account for unforeseen risks, economic uncertainties, or company-specific challenges. Investors should conduct their research before making any financial decisions.
Jammu & Kashmir Bank Share Price Target Year-wise Breakdown (2025 to 2050)
📈 Jammu & Kashmir Bank Share Price Target 2025
Based on our current forecast, J&K Bank’s share price in 2025 is expected to range between ₹{Min_2025} and ₹{Max_2025}. This reflects improved profitability, strong regional positioning, and a stable financial recovery.
📈 Jammu & Kashmir Bank Share Price Target 2026
According to the latest trends, J&K Bank may trade between ₹{Min_2026} and ₹{Max_2026} in 2026. Continued normalization in asset quality and deposit growth supports this outlook.
📈 Jammu & Kashmir Bank Share Price Target 2027
Our forecast suggests J&K Bank’s stock could move between ₹{Min_2027} and ₹{Max_2027} in 2027, driven by regional economic revival and digital expansion.
📈 Jammu & Kashmir Bank Share Price Target 2028
Our forecast suggests J&K Bank’s stock could move between ₹{Min_2028} and ₹{Max_2028} in 2028, driven by regional economic revival and digital expansion.
📈 Jammu & Kashmir Bank Share Price Target 2030
By 2030, J&K Bank may see its stock range between ₹{Min_2030} and ₹{Max_2030}, underpinned by steady earnings, broad digital adoption, and diversification beyond its core geography.
📈 Jammu & Kashmir Bank Share Price Target 2040
In the long term, by 2040, J&K Bank is projected to trade within ₹{Min_2040} to ₹{Max_2040}, assuming continued franchise strength, sustainable margins, and deep fee-based growth.
📈 Jammu & Kashmir Bank Share Price Target 2050
Our forecast for 2050 anticipates J&K Bank stock to be in the range of ₹{Min_2050} to ₹{Max_2050}, assuming it evolves into a digitally-enabled, regionally influential bank with stable profitability.
Live Stock Chart & Price Trends – Jammu & Kashmir Bank Ltd.
Please keep track of Jammu & Kashmir Bank Ltd.’s stock performance with our live chart below. This real-time tool displays the latest price movements, trading volume, and market trends to help investors and market watchers stay informed. You can easily switch between intraday, daily, weekly, or monthly views and apply various technical indicators to deepen your analysis. Whether you’re actively trading or just keeping an eye on the market, this chart offers everything you need to make smart, timely decisions.
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Expert Opinions & Market Sentiment
Brokerage & Analyst Ratings
- Analyst consensus – Largely rated Buy, with 12‑month targets averaging ₹150–170, citing improved fundamentals and low valuation.
Investor Sentiment & Market Trends
- SBI Securities – Notes CASA strength and earnings stability, recommending a ~30% upside.
- Reddit commentary reflects bullish sentiment: “j&k bank’s earnings are increasin, npa declining, its current price makes it very cheap…”
❓Frequently Asked Questions (FAQ)
Is J&K Bank a good long‑term investment?
It can be—particularly if regional recovery continues, digital transformation succeeds, and asset quality remains controlled—unlocking significant value from current low valuations.
What are J&K Bank’s primary growth drivers?
Growth levers include economic revival in J&K, expanding digital banking, deposit strength, diversified lending, and rising fee income.
Does J&K Bank pay dividends?
Yes—the bank periodically declares dividends contingent on profitability, regulatory requirements, and capital adequacy.
How does J&K Bank compare to other banks?
It trades at a steep discount versus peers, yet offers strong local dominance. Key differentiators include its digital pivot and CASA strength, though growth outside its home region is limited.
What should investors track?
Monitor deposit and CASA growth, NPA developments, economic activity in its region, digital adoption numbers, cost-to-income trends, and management commentary on renewal and expansion.
Price Prediction Methodology
Our predictions combine expert analysis, technical indicators, and algorithmic models to provide an informed outlook.
📊 Want to know more? Click here to read our full methodology.
