| Revenue growth | 17% YoY |
|---|---|
| Margins | NIM improved to 7.22% in Q4 from 6.61% in Q3 |
| Demand visibility | Strong; highest ever quarterly disbursements of ₹7,894 Cr |
| Management confidence | High; citing improving NIM and reduced CoF |
Growth
Advances grew 23% YoY to ₹36,289 Cr; Deposits grew 23% YoY to ₹35,784 Cr. Secured assets grew 28% YoY.
Outlook
FY27 Guidance: GLP growth ~19-21%, Deposits growth ~23-25%, and PAT growth 80%+. Targeting 80% secured advances.
Risks
Unsecured book asset quality (GNPA at 6.8%), though 77% is covered by guarantee programs. Potential Opex pressure from new wage codes.
Earnings Call filed with BSE, NSE: JSFB. Summary written with AI assistance from the document.
Jana Small Finance Bank Ltd: key numbers
- Share price
- ₹535.25
- Market cap
- ₹5,664 Cr
- Revenue (annual)
- ₹5,353 Cr
- Net profit (annual)
- ₹326.4 Cr
- P/E (TTM)
- 14.9×Sector 22.0×
- Promoter holding
- 16.94%-4.91% QoQ
- FII holding
- 4.01%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Jana Small Finance Bank Ltd
All →Jana Small Finance Bank Employee Stock Options
Jana Small Finance Bank allotted 69,557 equity shares to employees pursuant to the exercise of options under its ESOP schemes.
Jana Small Finance Bank Management Change
Jana Small Finance Bank re-appointed Mr. K S Raman as Executive Director for 36 months effective January 2027. Leadership continuity in the bank's management.
Jana Small Finance Bank Regulatory Approval
RBI approved re-appointment of Mr. K S Raman as Executive Director for three years effective January 2027. Shareholder approval is sought at the September 2026 AGM.
Jana Small Finance Bank Management Change
Jana Small Finance Bank announced that Company Secretary and Compliance Officer Lakshmi RN has resigned. Her last working day is October 31, 2026.
Jana Small Finance Bank Annual Report
Jana Small Finance Bank Limited has submitted its Annual Report for the Financial Year 2025-26. Key highlights include total advances of Rs. 36,289 Crore and deposits of Rs. 35,784 Crore.
Jana Small Finance Bank Annual General Meeting
Jana Small Finance Bank has scheduled its 20th Annual General Meeting for September 29, 2026. The meeting will be held via video conferencing to transact ordinary and special business.