| Management target | Net Profit 80.0% FY27 |
|---|
| Margins | NIM improved to 7.5%; cost of funds declining (7.4%). |
|---|---|
| Order book | Gross loan book targeting 19-21% growth. |
| Demand visibility | Strong demand in affordable housing, MSME, and gold loans. |
| Management confidence | High; cited strong collections and 80% secured/guaranteed book strategy. |
Growth
PAT reached INR 155 Cr; secured assets grew 29% YoY; CASA deposits increased 31% YoY.
Outlook
Guidance: 19-21% loan growth, 23-25% deposit growth, and 80%+ PAT growth for FY27.
Risks
High cost of income ratio (66-67%); microfinance stress previously impacted NIMs; flat overall deposit growth in Q1.
Last quarter's promises, checked
Delivered
- Guided PAT INR 140-160 Cr → delivered INR 140 Cr (= BEAT)
- Guided SMA < 4% → delivered 3.66% (= BEAT)
- Guided Net Credit Cost ~0.79% → delivered 0.47% (= BEAT)
Partly delivered
- Guided 80:20 Secured/Unsecured mix → delivered 72.6% secured (= PARTIAL)
Missed
- Guided Q1 FY27 Cost of Funds decline → delivered flat/NIM focus (= MISS)
Earnings Call Transcript 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.
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