Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Interest Earned
3,940.97
3,510.51
2,901.96
2,204.91
2,032.83
Income On Investments
361.55
291.36
254.45
90.97
0.00
Interest On Balances With Rbi Other Inter Bank Funds
38.78
40.08
32.65
7.38
0.00
Interest / Discount On Advances / Bills
3,528.13
3,179.06
2,614.83
710.32
0.00
Others
12.51
0.02
0.03
1,396.24
2,032.83
Other Income
756.29
541.97
491.15
463.61
201.28
Total Income
4,697.26
4,052.50
3,393.11
2,668.52
2,234.11
Interest Expended
2,050.74
1,714.28
1,365.84
1,012.20
1,023.79
Net Interest Income
1,890.23
1,796.23
1,536.12
1,192.71
1,009.04
Total Expenditure (Excl Depreciation)
1,782.89
1,404.70
1,175.89
936.60
849.02
Employee Cost
1,076.20
883.22
715.59
200.70
0.00
Other Operating Expenses
706.69
521.48
460.30
735.90
849.02
Operating Profit Before Provisions and Contingencies
863.63
933.52
851.37
719.71
361.30
Exceptional Items
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
677.02
579.68
503.51
544.74
357.16
Profit Before Tax
186.61
353.84
347.86
174.97
4.14
Tax
0.00
-24.10
0.00
0.00
0.00
Profit After Tax
186.61
377.94
347.86
174.97
4.14
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
Net Profit
186.61
377.94
347.86
174.97
4.14
Face Value
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
2,363.08
1,388.73
0.00
Diluted Earnings per share
0.92
10.49
14.84
20.58
-1.14
Operating Profit Margin (Excl OI)
54.76%
59.99%
59.48%
57.52%
58.23%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
4.74%
10.77%
11.99%
7.94%
0.2%
Net Interest Margin
6.7%
7.3%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
20.0%
18.4%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
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%
Provision Coverage Ratio (%)
64.44%
66.9%
0.0%
0.0%
0.0%
Amount of Gross NPAs
829.17
757.82
487.21
1,060.55
0.00
Amount of Net NPAs
294.85
250.51
156.41
584.93
0.00
% of Net NPAs
0.94%
0.94%
0.71%
3.62%
0.0%
% of Gross NPAs
2.59%
2.8%
2.19%
6.38%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
62.0
60.0
0.0
0.0
0.0
Number of Branches
816.0
778.0
0.0
0.0
0.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 12.26% vs 20.97% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is -50.62% vs 8.65% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is -7.49% vs 9.65% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is 0.00% vs 0.23% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -0.21% vs 0.61% in Dec 2024
Compare Nine Monthly Results Of Jana Small Finan With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
3,940.97
4,957.89
-1,016.92
-20.51%
Income On Investments
361.55
493.35
-131.80
-26.72%
Interest On Balances With Rbi Other Inter Bank Funds
38.78
125.30
-86.52
-69.05%
Interest / Discount On Advances / Bills
3,528.13
4,339.24
-811.11
-18.69%
Others
12.51
0.00
12.51
Other Income
756.29
810.08
-53.79
-6.64%
Total Income
4,697.26
5,767.97
-1,070.71
-18.56%
Interest Expended
2,050.74
2,546.83
-496.09
-19.48%
Net Interest Income
1,890.23
2,411.06
-520.83
-21.6%
Total Expenditure (Excl Depreciation)
1,782.89
2,358.63
-575.74
-24.41%
Employee Cost
1,076.20
1,449.98
-373.78
-25.78%
Other Operating Expenses
706.69
908.65
-201.96
-22.23%
Operating Profit Before Provisions and Contingencies
863.63
862.51
1.12
0.13%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
677.02
1,012.72
-335.70
-33.15%
Profit Before Tax
186.61
-150.21
336.82
224.23%
Tax
0.00
-40.61
40.61
100.0%
Profit After Tax
186.61
-109.60
296.21
270.26%
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
186.61
-109.60
296.21
270.26%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
4.74%
-2.21%
0.00
6.95%
Net Interest Margin
6.70%
6.72%
-0.02
-0.02%
Return on Assets
0.00%
0.16%
-0.16
-0.16%
CASA (%)
20.00%
30.00%
-10.00
-10.00%
CASA Amount
0.00
12,886.00
-12,886.00
-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 (%)
64.44%
67.10%
-2.66
-2.66%
Amount of Gross NPAs
829.17
1,116.09
-286.92
-25.71%
Amount of Net NPAs
294.85
367.15
-72.30
-19.69%
% of Net NPAs
0.94%
0.92%
0.02
0.02%
% of Gross NPAs
2.59%
2.75%
-0.16
-0.16%
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
390.00
-328.00
-84.1%
Number of Branches
816.00
1,053.00
-237.00
-22.51%
Nine Monthly - Interest Earned
Interest Earned 3940.97 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 12.26% vs 20.97% in Dec 2024
Nine Monthly - Net Profit
Net Profit 186.61 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is -50.62% vs 8.65% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 863.63 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is -7.49% vs 9.65% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.94%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is 0.00% vs 0.23% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.59%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.21% vs 0.61% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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