| 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
- ₹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.