The Jammu & Kashmir Bank Limited (J&KBANK) — Defensive Interval Ratio

Latest as of September 2025: 31671 days

The Jammu & Kashmir Bank Limited (J&KBANK) has a Defensive Interval Ratio of 31671 days as of September 2025. Defensive assets of Rs290.76 Billion (cash Rs128.96 Billion, short-term investments Rs70.31 Billion, receivables Rs91.49 Billion) cover 31671 days of daily cash needs of Rs9.18 Million/day. See how liquid is The Jammu & Kashmir Bank Limited's working capital to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

31671 days
Days of operational coverage

Defensive Assets

Rs290.76 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs9.18 Million
Current Liabilities ÷ 365

Current Liabilities

Rs3.35 Billion
INR

The Jammu & Kashmir Bank Limited Defensive Interval Ratio (2006–2025)

This chart shows how The Jammu & Kashmir Bank Limited's Defensive Interval Ratio has evolved across 14 annual periods from 2006 to 2025. As of September 2025, the ratio stands at 31671 days, meaning defensive assets of Rs290.76 Billion can fund 31671 days of operations without new revenue. See J&KBANK equity to assets ratio to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for The Jammu & Kashmir Bank Limited (2006–2025)

The table below presents the year-by-year Defensive Interval Ratio for The Jammu & Kashmir Bank Limited from 2006 to 2025, covering 14 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see The Jammu & Kashmir Bank Limited (J&KBANK) total market value.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 23 days Rs92.01 Billion Rs4.07 Billion/day Rs80.61 Billion Rs246.69 Million ▼ -2087 days
2024 2109 days Rs35.36 Billion Rs16.76 Million/day Rs25.54 Billion Rs6.42 Million ▲ +1980 days
2023 129 days Rs246.69 Billion Rs1.92 Billion/day Rs131.15 Billion Rs46.58 Billion ▲ +23141 days
2022 -23013 days Rs-11.38 Billion Rs494.32K/day Rs67.60 Billion Rs-87.30 Billion ▼ -252104 days
2021 229091 days Rs124.43 Billion Rs543.15K/day Rs109.88 Billion Rs5.52 Billion ▲ +56032 days
2020 173059 days Rs109.27 Billion Rs631.40K/day Rs20.78 Billion Rs79.53 Billion ▲ +86006 days
2019 87053 days Rs69.27 Billion Rs795.68K/day Rs49.08 Billion Rs5.17 Billion ▲ +67676 days
2018 19377 days Rs23.42 Billion Rs1.21 Million/day Rs10.63 Billion Rs3.12 Billion ▼ -30999 days
2017 50376 days Rs41.34 Billion Rs820.63K/day Rs- Rs30.11 Billion ▼ -3485 days
2016 53861 days Rs52.99 Billion Rs983.80K/day Rs- Rs42.78 Billion ▲ +27872 days
2015 25988 days Rs82.68 Billion Rs3.18 Million/day Rs- Rs70.36 Billion ▲ +3422 days
2014 22566 days Rs81.79 Billion Rs3.62 Million/day Rs- Rs65.59 Billion ▲ +18442 days
2013 4125 days Rs12.07 Billion Rs2.93 Million/day Rs- Rs- ▲ +4123 days
2006 2 days Rs1.28 Billion Rs643.41 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)