ALFA Finder| Management target | Net Profit 80.0% FY27 |
|---|
| Revenue growth | Net Interest Income grew 33.4% YoY. |
|---|---|
| Margins | NIM improved to 7.5% from 6.6% YoY. |
| Demand visibility | Strong growth in Gold (113%) and Vehicle (78%) loans. |
| Management confidence | High; targeting sustainable long-term franchise with high governance standards. |
Growth
Advances grew 26% YoY to ₹37,612 Cr; Deposits up 22% YoY to ₹35,756 Cr with 31% CASA growth.
Outlook
Guidance for FY27: GLP growth 19-21%, Deposits growth 23-25%, and PAT growth exceeding 80%.
Risks
Marginal seasonal increase in SMA; technical default on NCDs by promoters (JHL/JCL) leads to bank being put on 'watch'.
Earnings Call filed with NSE, 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