जन स्मॉल फाइनेंस बैंक शेयर की कीमत

Please find attached transcript of Earnings call

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<h3><span style="font-size:16px;"><strong>जन स्मॉल फाइनेंस बैंक ने Q1FY27 परिणामों की घोषणा की</strong></span></h3><p _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">फाइनेंशियल हाइलाइट्स:</strong></p><ul><li><strong>Total Income</strong>: For Q1FY27, total income stood at Rs 17,414.45 crore, representing a YoY growth of 15.58% from Rs 15,066.43 crore in Q1FY26 and a QoQ increase of 1.83% from Rs 17,101.94 crore in Q4FY26.</li><li><strong>Interest Earned</strong>: The Bank reported interest income of Rs 15,145.31 crore in Q1FY27, reflecting a YoY growth of 22.07% from Rs 12,406.53 crore in Q1FY26 and a QoQ growth of 4.84% from Rs 14,445.91 crore in Q4FY26.</li><li><strong>Net Profit</strong>: Net profit after tax for Q1FY27 reached Rs 155.23 crore, marking a significant YoY increase of 52.29% compared to Rs 101.93 crore in Q1FY26 and a QoQ increase of 11.02% from Rs 139.82 crore in Q4FY26.</li><li><strong>Operating Profit</strong>: Operating profit before provisions and contingencies stood at Rs 3,331.63 crore for Q1FY27, growing 15.43% YoY from Rs 2,886.32 crore in Q1FY26, though it saw a marginal QoQ decline of 0.47% from Rs 3,347.21 crore in Q4FY26.</li><li><strong _ngcontent-ng-c2864176376="">Earnings Per Share (EPS):</strong> Basic EPS for Q1FY27 was Rs 14.74, up from Rs 13.28 in Q4FY26 and Rs 9.69 in Q1FY26. Diluted EPS stood at Rs 14.69 for the current quarter.</li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">लाभप्रदता अनुपात:</strong><ul><li _ngcontent-ng-c2864176376="">Operating margin for Q1FY27 was 19.13%.</li><li _ngcontent-ng-c2864176376="">Net profit margin stood at 8.91%.</li><li _ngcontent-ng-c2864176376="">Return on Assets (Annualized) improved to 1.35% in Q1FY27 compared to 1.26% in Q4FY26 and 1.07% in Q1FY26.</li></ul></li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Net Worth:</strong> The net worth of the Bank as of June 30, 2026, was Rs 4,463.49 crore.</li></ul><p _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">बिज़नेस हाइलाइट्स:</strong></p><ul _ngcontent-ng-c2864176376=""><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Segment-wise Performance (Revenue):</strong><ul><li _ngcontent-ng-c2864176376="">Retail Banking: This segment remained the largest contributor, with revenue of Rs 22,710.60 crore in Q1FY27, including Rs 4.39 crore from Digital Banking Units.</li><li _ngcontent-ng-c2864176376="">Treasury: Revenue from treasury operations stood at Rs 3,872.73 करोड़.</li><li _ngcontent-ng-c2864176376="">Wholesale Banking: This segment recorded revenue of Rs 99.55 crore.</li><li _ngcontent-ng-c2864176376="">Other Banking Operations: Contributed Rs 27.74 crore to the total revenue.</li></ul></li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">एसेट क्वालिटी:</strong><ul><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Gross NPA:</strong> Improved to 2.39% in Q1FY27, compared to 2.46% in Q4FY26 and 2.91% in Q1FY26.</li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Net NPA:</strong> Stood at 0.91% in Q1FY27, compared to 0.92% in Q4FY26 and 0.94% in Q1FY26.</li></ul></li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Capital and Fund Raising:</strong><ul><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Capital Adequacy Ratio (CAR):</strong> Stood at 20.18% as of June 30, 2026, compared to 19.38% in Q4FY26 and 19.97% in Q1FY26.</li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Share Warrants:</strong> During Q1FY27, the Bank issued 88,43,000 share warrants and received 25% of the issue price (Rs 102.76 crore), which resulted in a CAR increase of 43 basis points.</li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">ESOPs:</strong> The Bank allotted 16,489 shares during the quarter pursuant to the exercise of stock options.</li></ul></li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Loan Portfolios and Transfers:</strong><ul><li _ngcontent-ng-c2864176376="">The Bank transferred Retail Segment loans worth Rs 284.65 crore through assignment during the quarter.</li><li _ngcontent-ng-c2864176376="">Non-Performing Assets (NPAs) involving 44,265 accounts with an aggregate principal outstanding of Rs 254.74 crore were transferred to ARCs for an aggregate consideration of Rs 151.67 crore.</li><li _ngcontent-ng-c2864176376="">The Bank did not enter into any co-lending transactions or have exposure to Project Finance during Q1FY27.</li></ul></li><li _ngcontent-ng-c2864176376=""><strong _ngcontent-ng-c2864176376="">Reserves:</strong> As of June 30, 2026, reserves excluding revaluation reserves stood at Rs 43,282.49 crore. Capital redemption reserve was Rs 0.01 crore (less than Rs 1 lakh).</li></ul><p><strong>Ajay Kanwal, MD and CEO, Jana Small Finance Bank, said:</strong> “The Q4FY26 performance trend continues in Q1FY27. Focus on portfolio quality and flattening costs were the primary focus of the Bank. We are committed and confident of delivering guidance of 20%+ growth in GLP and Liabilities with 80% growth in PAT”.</p><p><a class="lb" href="/hindi/get-document/post/pdf/5731204/" target="_blank">परिणाम PDF</a></p>

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