ALFA Finder| 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
- ₹426.50
- Market cap
- ₹4,514 Cr
- Revenue (annual)
- ₹5,353 Cr
- Net profit (annual)
- ₹326.4 Cr
- P/E (TTM)
- 9.5×Sector 20.8×
- Promoter holding
- 16.87%-0.07% QoQ
- FII holding
- 5.10%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 Management Change
Jana Small Finance Bank appointed Ms. Sneha Sharma as Company Secretary & Compliance Officer, effective November 1, 2026. The role is designated as a Key Managerial Personnel position.
Jana Small Finance Bank Earnings Call Transcript: Key Takeaways
Jana delivered its highest-ever quarterly profit before tax, reaching H1 profit parity with full-year FY26 results.
- Call
- Guides 100% growth
Jana Small Finance Bank Other Announcement
Jana Small Finance Bank filed a Regulation 54 security cover certificate for September 2026. It reports no secured debt, so no cover ratio applies.
Jana Small Finance Bank Investor Presentation: Key Takeaways
Q2 FY27 PAT Rs170 Cr (+127% YoY, +10% QoQ); NII Rs819 Cr (+35% YoY); NIM 7.54%. FY27 PAT growth guidance raised to ~100%.
- Call
- Guides 100% growth
Jana Small Finance Bank Employee Stock Options
Jana Small Finance Bank allotted 17,869 ESOP/RSU shares to employees. Paid-up capital increased marginally to 10.58 crore shares.
Jana Small Finance Bank Q2 FY27 Results: Net Profit ₹170 Cr, Up 126.7% YoY
Jana Small Finance Bank Ltd reported revenue from operations of ₹1,587 Cr (+22.6% YoY) and net profit of ₹170 Cr (+126.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹170 Cr · +126.7% YoY