Jana Small Finance Bank Share Price

Jana Small Finance Bank announced Q4FY26 & FY26 results Q4FY26 Financial Highlights: Total Income: Rs 1,71,01,941 (in '000s) for Q4FY26, showing a QoQ growth of 5.68% from Rs 1,61,82,655 (in '000s) and a YoY growth of 20.63% from Rs 1,41,77,294 (in '000s). Interest Earned: Rs 1,44,45,908 (in '000s) for Q4FY26, representing a QoQ increase of 5.17% from Rs 1,37,35,331 (in '000s) and a YoY increase of 22.02% compared to Rs 1,18,38,453 (in '000s). Net Profit: Rs 13,98,183 (in '000s) for Q4FY26, up 1,342.29% QoQ from Rs 96,942 (in '000s) and up 13.23% YoY from Rs 12,34,785 (in '000s). Earnings Per Share (Basic): Rs 13.28 for Q4FY26, compared to Rs 0.92 in Q3FY26 and Rs 11.76 in Q4FY25. Earnings Per Share (Diluted): Rs 13.23 for Q4FY26, compared to Rs 0.92 in Q3FY26 and Rs 11.71 in Q4FY25. FY26 Financial Highlights: Total Income: Rs 6,37,47,641 (in '000s) for FY26, reflecting a YoY growth of 17.03% from Rs 5,44,71,704 (in '000s). Interest Earned: Rs 5,35,28,650 (in '000s) for FY26, up 14.59% YoY from Rs 4,67,13,094 (in '000s). Net Profit: Rs 32,64,282 (in '000s) for FY26, showing a YoY decrease of 34.90% from Rs 50,14,187 (in '000s). Earnings Per Share (Basic): Rs 31.02 for FY26, compared to Rs 47.89 in FY25. Net Worth: Rs 4,215.50 crore as of March 31, 2026. Operating Profit before Provision and Contingencies: Rs 1,16,56,642 (in '000s) for FY26, compared to Rs 1,18,78,863 (in '000s) in FY25. Net Cash Flow from Operating Activities: Rs 59,36,435 (in '000s) for the year ended March 31, 2026. Business Highlights: Advances: Advances stood at Rs 33,82,76,951 (in '000s) as of March 31, 2026, compared to Rs 27,75,54,759 (in '000s) YoY. Deposits: Total deposits reached Rs 35,78,44,991 (in '000s) as of March 31, 2026, compared to Rs 29,11,97,813 (in '000s) in the previous year. Capital Adequacy Ratio: The Capital Adequacy Ratio (Basel-II) was 19.38% as of March 31, 2026. Asset Quality: Gross NPA ratio was 2.46% and Net NPA ratio was 0.92% as of March 31, 2026. Profitability Ratios: The annualized Return on Assets (ROA) was 0.79% and the Net Profit Margin was 5.12% for the year ended March 31, 2026. Equity Allotment: During the quarter and year ended March 31, 2026, the Bank allotted 50,867 and 2,68,034 shares respectively pursuant to the exercise of stock options under the Employee Stock Option Scheme. PSLC Income/Expense: The Bank recognized PSLC income of Rs 18.01 crore and PSLC expense of Rs 6.84 crore during the current quarter. Net profit for the quarter was higher by Rs 11.17 crore due to a change in the accounting policy for PSLC, transitioning from upfront recognition to amortization over the financial year. New Labour Codes: The Bank recognized an estimated incremental impact of Rs 11.89 crore in FY26 following the notification of the New Labour Codes. Loans Acquired: During the quarter ended March 31, 2026, the Bank acquired loans through assignment amounting to Rs 91.13 crore. Transfer of Assets: The Bank transferred Non-Performing Assets to ARCs with an aggregate principal outstanding of Rs 392.26 crore for a consideration of Rs 189.81 crore. Result PDF

• Trendlyne
• 3 weeks ago

Jana Small Finance Bank announced Q2FY26 results Asset GLP stands at Rs 31,655 crore, growing by 20% YoY with 73% share of secured assets. Secured assets grows by 34% YoY and Unsecured de-growth is 7% YoY Total Deposits stands at Rs 32,532 crore Deposits growth of 31% YoY CASA grows by 20% YoY; TD growth of 34% YoY Credit to Deposit ratio improves to 91.4% in Q2FY26 vs 100.2% in Q2FY25 Capital Adequacy ratio at 19.7% with Tier-1 CRAR of 18.8% Strong liquidity with LCR of 170% GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.0% (including technical write-off) PAT of Rs 177 crore for H1 FY26 and Rs 75 crore for Q2FY26 after providing for accelerated provision of Rs 222 crore in H1 FY26 Ajay Kanwal, MD and CEO, Jana Small Finance Bank said “ The first half of FY26 reflects strong business momentum for the Bank, with healthy growth in both deposits and advances. Our focus on building a granular and diversified balance sheet continues to yield results, supported by the trust of our customers and disciplined execution by our teams. While challenges in MFI sector is on decline, our strategy to move towards having 95% of our portfolio either Secured book or covered under a Guarantee program will start paying off from next year onwards. This strategic shift will lead to a reduction in credit costs over the coming financial years. Overall profitability for the period was relatively softer due to the need to provide for accelerated provision in order to meet <1% NNPA criteria. With the cost of funds further expected to decline in the coming quarters, we anticipate an improvement in Net Interest Margins (NIMs). The calibrated resumption of unsecured lending, along with continued moderation in Gross and Net NPAs, is expected to further support earnings momentum. Backed by favourable macroeconomic conditions, prudent risk management, and operational strength, Jana Small Finance Bank is well positioned for sustained and profitable growth in the periods ahead.” Result PDF

• Trendlyne
• 7 months ago

Jana Small Finance Bank announced Q1FY26 results The Company has filed its application for Universal Bank with RBI during the quarter. Asset AUM stands at Rs 29,930 crore, growing by 16% YoY with 71% share of secured assets. Secured assets grows by 36% YoY and Unsecured de-growth is 12% YoY. Total Deposits stands at Rs 29,426 crore. Deposits growth of 24% YoY. CASA grow by 8% YoY; TD growth of 28% YoY. Credit to Deposit ratio improves to 94.6% in Q1FY26 vs 102.1% in Q1FY25. Capital Adequacy improves to 20.5% (including interim profit) with Tier-1 CRAR of 19.4%. Strong liquidity with LCR of 171%. GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.2% (including technical write-off). PAT at Rs 102 crore after providing for accelerated provision of Rs 150 crore in Q1FY26. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said: “ India’s macroeconomic fundamentals remain strong, and the Bank is seeing accelerated opportunities across its core segments—housing finance, rural lending, and MSME financing. These areas continue to benefit from structural tailwinds, and Jana Bank is strategically positioned to serve these segments with increasing scale and efficiency. With the recently announced CRR reduction, repo rate cuts and surging digital adoption, the operating environment is shifting positively and these developments provide the right foundation to strengthen our balance sheet and enhance delivery across underserved segments. With the cost of funds expected to reduce further in the upcoming quarters, the Bank anticipates an improvement in Net Interest Margins (NIMs). As unsecured lending gradually resumes, it is expected to support earnings momentum, alongside a reduction in Gross and Net Non-Performing Assets (NPAs). The combination of macroeconomic support, strong execution and a calibrated risk posture positions Jana Small Finance Bank for sustained and profitable growth in the quarters ahead.” Result PDF

• Trendlyne
• 9 months 4 weeks ago