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
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Jana delivered its highest-ever quarterly profit before tax, reaching H1 profit parity with full-year FY26 results.
Q2 FY27 PAT Rs170 Cr (+127% YoY, +10% QoQ); NII Rs819 Cr (+35% YoY); NIM 7.54%. FY27 PAT growth guidance raised to ~100%.
Jana SFB reported Q1 FY27 PAT of INR 155 crore with NIMs recovering to 7.5%. The bank is shifting towards an 80% secured loan book and utilizes guarantee programs for unsecured portions.
Jana SFB reported Q1FY27 PAT of ₹155 Cr, up 52% YoY, driven by improving NIMs (7.5%) and reducing cost of funds (7.44%). The bank is shifting towards an 80% secured loan mix.