Srinagar, January 3, 2026 – Jammu & Kashmir Bank Limited (NSE: J&KBANK, BSE: 532209) reported steady balance sheet expansion for the period ended December 31, 2025, with total business crossing ₹2.72 lakh crore, reflecting double-digit growth driven primarily by strong traction in advances.
The bank’s total business, comprising deposits and gross advances, stood at ₹2,72,109.27 crore as of December 31, 2025, marking a year-on-year growth of 13.34 percent compared with ₹2,40,080.49 crore a year earlier.
Key Business Metrics
| Particulars | Dec 31, 2024 | Mar 31, 2025 | Dec 31, 2025 | YoY Growth |
|---|---|---|---|---|
| Total Business (₹ crore) | 2,40,080.49 | 2,55,554.95 | 2,72,109.27 | 13.34% |
| Total Deposits (₹ crore) | 1,40,947.14 | 1,48,569.46 | 1,55,861.35 | 10.58% |
| Gross Advances (₹ crore) | 99,133.35 | 1,06,985.49 | 1,16,247.92 | 17.26% |
| Gross Investments (₹ crore) | 41,394.29 | 41,970.21 | 40,535.76 | -2.07% |
Deposit and CASA Trend
Total deposits increased to ₹1,55,861.35 crore as of December 2025, registering a year-on-year growth of 10.58 percent. CASA deposits stood at ₹68,736.27 crore, reflecting marginal growth over the previous year.However, the CASA ratio moderated to 44.10 percent from 48.17 percent a year earlier, indicating a shift in deposit mix during the period.
| CASA Metrics | Dec 31, 2024 | Mar 31, 2025 | Dec 31, 2025 |
|---|---|---|---|
| CASA Deposits (₹ crore) | 67,887.38 | 69,843.42 | 68,736.27 |
| CASA Ratio | 48.17% | 47.01% | 44.10% |
Credit Growth Remains Strong
Gross advances rose sharply to ₹1,16,247.92 crore as of December 31, 2025, reflecting a year-on-year increase of 17.26 percent. The strong expansion in lending outpaced deposit growth, underlining sustained credit demand across key segments.Gross investments declined marginally to ₹40,535.76 crore during the period, compared with ₹41,394.29 crore a year ago.
About the Company
Jammu & Kashmir Bank Limited is a listed public sector bank with a strong regional presence in Jammu, Kashmir, and Ladakh, alongside operations across major Indian states. The bank provides a comprehensive range of banking and financial services, including retail banking, corporate banking, treasury operations, and digital banking solutions, catering to individuals, businesses, and institutions.Source:
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