ALFA Finder| 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
- ₹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