Annual Results Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Interest Earned
5,352.87
4,671.31
4,013.81
3,075.01
2,726.54
2,497.71
1,991.52
Income On Investments
490.62
377.26
349.03
325.21
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
45.81
62.55
47.94
28.16
0.00
0.00
0.00
Interest / Discount On Advances / Bills
4,803.91
4,229.92
3,616.03
2,721.61
0.00
0.00
0.00
Others
12.52
1.58
0.81
0.04
2,726.54
2,497.71
1,991.52
Other Income
1,021.90
775.86
670.24
624.86
323.76
235.08
433.25
Total Income
6,374.76
5,447.17
4,684.06
3,699.88
3,050.30
2,732.79
2,424.77
Interest Expended
2,759.74
2,316.66
1,885.90
1,414.99
1,336.75
1,234.58
980.16
Net Interest Income
2,593.13
2,354.65
2,127.91
1,660.02
1,389.79
1,263.13
1,011.36
Total Expenditure (Excl Depreciation)
2,449.36
1,942.63
1,604.84
1,284.51
1,138.82
1,047.31
1,164.08
Employee Cost
1,460.22
1,210.42
974.67
777.58
0.00
0.00
0.00
Other Operating Expenses
989.14
732.21
630.17
506.93
1,138.82
1,047.31
1,164.08
Operating Profit Before Provisions and Contingencies
1,165.66
1,187.89
1,193.31
1,000.37
574.73
450.90
280.53
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
839.24
714.21
678.96
744.40
569.32
366.59
250.40
Profit Before Tax
326.43
473.68
514.35
255.97
5.41
84.31
30.13
Tax
0.00
-27.74
-155.19
0.00
0.00
0.00
0.00
Profit After Tax
326.43
501.42
669.54
255.97
5.41
84.31
30.13
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
326.43
501.42
669.54
255.97
5.41
84.31
30.13
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
4,328.25
3,986.55
3,461.91
1,452.09
999.29
926.15
842.79
Earnings per share (EPS)
30.99
47.73
64.02
46.56
1.05
4.2
1.5
Diluted Earnings per share
30.92
47.67
90.72
42.64
0.99
15.61
5.9
Operating Profit Margin (Excl OI)
38.56%
43.12%
43.1%
34.02%
37.35%
43.39%
28.97%
Gross Profit Margin
6.1%
10.14%
12.81%
8.32%
0.2%
3.38%
1.51%
PAT Margin
6.1%
10.73%
16.68%
8.32%
0.2%
3.38%
1.51%
Net Interest Margin
6.7%
7.6%
8.0%
7.8%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
18.0%
18.0%
19.7%
20.2%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
63.1%
66.09%
73.7%
34.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
846.95
749.60
494.33
709.19
0.00
0.00
0.00
Amount of Net NPAs
312.54
254.19
130.02
468.00
0.00
0.00
0.00
% of Net NPAs
0.92%
0.94%
0.56%
2.64%
0.0%
0.0%
1.3%
% of Gross NPAs
2.46%
2.71%
2.11%
3.94%
0.0%
0.0%
2.8%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
62.0
61.0
61.0
0.0
0.0
0.0
0.0
Number of Branches
822.0
802.0
297.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2026 is 14.59% vs 16.38% in Mar 2025
Net Profit
YoY Growth in year ended Mar 2026 is -34.90% vs -25.11% in Mar 2025
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2026 is -1.87% vs -0.45% in Mar 2025
% of Net NPAs
YoY Growth in year ended Mar 2026 is -0.02% vs 0.38% in Mar 2025
% of Gross NPAs
YoY Growth in year ended Mar 2026 is -0.25% vs 0.60% in Mar 2025
Compare Annual Results Of Jana Small Finan With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
5,352.87
6,794.24
-1,441.37
-21.21%
Income On Investments
490.62
660.97
-170.35
-25.77%
Interest On Balances With Rbi Other Inter Bank Funds
45.81
162.20
-116.39
-71.76%
Interest / Discount On Advances / Bills
4,803.91
5,970.88
-1,166.97
-19.54%
Others
12.52
0.19
12.33
6489.47%
Other Income
1,021.90
1,073.55
-51.65
-4.81%
Total Income
6,374.76
7,867.78
-1,493.02
-18.98%
Interest Expended
2,759.74
3,403.07
-643.33
-18.9%
Net Interest Income
2,593.13
3,391.17
-798.04
-23.53%
Total Expenditure (Excl Depreciation)
2,449.36
3,199.75
-750.39
-23.45%
Employee Cost
1,460.22
1,964.08
-503.86
-25.65%
Other Operating Expenses
989.14
1,235.67
-246.53
-19.95%
Operating Profit Before Provisions and Contingencies
1,165.66
1,264.97
-99.31
-7.85%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
839.24
1,136.84
-297.60
-26.18%
Profit Before Tax
326.43
128.13
198.30
154.76%
Tax
0.00
25.05
-25.05
-100.0%
Profit After Tax
326.43
103.08
223.35
216.68%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
326.43
103.08
223.35
216.68%
Face Value
10.00
10.00
0.00
Reserves
4,328.25
4,983.79
-655.54
-13.15%
Earnings per share (EPS)
30.99
0.90
30.09
3343.33%
Diluted Earnings per share
30.92
0.90
30.02
3335.56%
Operating Profit Margin (Excl OI)
38.56%
36.17%
0.00
2.39%
Gross Profit Margin
6.10%
1.89%
0.00
4.21%
PAT Margin
6.10%
1.52%
0.00
4.58%
Net Interest Margin
6.70%
6.69%
0.01
0.01%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
18.00%
26.00%
-8.00
-8.00%
CASA Amount
0.00
12,198.00
-12,198.00
-100.0%
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
63.10%
73.03%
-9.93
-9.93%
Amount of Gross NPAs
846.95
1,134.89
-287.94
-25.37%
Amount of Net NPAs
312.54
306.08
6.46
2.11%
% of Net NPAs
0.92%
0.72%
0.20
0.20%
% of Gross NPAs
2.46%
2.60%
-0.14
-0.14%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
62.00
396.00
-334.00
-84.34%
Number of Branches
822.00
1,060.00
-238.00
-22.45%
Annual - Interest Earned
Interest Earned 5352.87 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is 14.59% vs 16.38% in Mar 2025
Annual - Net Profit
Net Profit 326.43 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is -34.90% vs -25.11% in Mar 2025
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,165.66 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is -1.87% vs -0.45% in Mar 2025
Annual - % of Net NPAs
% of Net NPAs 0.92%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -0.02% vs 0.38% in Mar 2025
Annual - % of Gross NPAs
% of Gross NPAs 2.46%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -0.25% vs 0.60% in Mar 2025
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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