Jana Small Finance Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

1,444.59

1,373.53

1,304.78

1,252.05

1,183.85

1,177.41

1,166.05

Income On Investments

129.07

133.55

115.86

112.15

85.90

88.36

94.08

Interest On Balances With Rbi Other Inter Bank Funds

7.03

7.33

13.83

17.62

22.47

15.90

10.00

Interest / Discount On Advances / Bills

1,308.48

1,221.71

1,175.09

1,120.73

1,073.91

1,073.15

1,061.96

Others

0.00

10.94

0.01

1.56

0.01

Other Income

265.60

244.73

247.47

264.10

233.88

177.40

175.56

Total Income

1,710.19

1,618.27

1,552.25

1,516.15

1,417.73

1,354.82

1,341.61

Interest Expended

709.01

709.36

686.31

655.06

602.38

584.83

572.14

Net Interest Income

735.58

664.17

618.47

596.99

581.47

592.58

593.91

Total Expenditure (Excl Depreciation)

666.47

632.97

586.97

562.95

537.93

490.90

470.82

Employee Cost

384.02

369.66

355.54

351.00

327.20

309.43

296.09

Other Operating Expenses

282.45

263.31

231.43

211.95

210.73

181.47

174.73

Operating Profit Before Provisions and Contingencies

334.72

275.94

278.96

298.14

277.42

279.09

298.65

Exceptional Items

0.00

Provisions and contingencies

194.90

266.25

203.97

196.21

157.58

173.75

210.28

Profit Before Tax

139.82

9.69

74.99

101.93

119.84

105.34

88.38

Tax

0.00

-3.64

-5.32

-8.34

Profit After Tax

139.82

9.69

74.99

101.93

123.48

110.66

96.72

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

139.82

9.69

74.99

101.93

123.48

110.66

96.72

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

13.28

0.92

7.13

9.69

11.75

10.57

9.25

Diluted Earnings per share

13.23

0.92

7.13

9.65

11.71

10.49

9.15

Operating Profit Margin (Excl OI)

40.37%

34.53%

39.38%

39.37%

41.25%

43.55%

41.59%

Gross Profit Margin

9.68%

0.71%

5.75%

8.14%

10.12%

8.95%

7.58%

PAT Margin

9.68%

0.71%

5.75%

8.14%

10.43%

9.4%

8.29%

Net Interest Margin

7.2%

6.6%

6.7%

7.4%

7.3%

7.7%

Return on Assets

0.0%

CASA (%)

18.0%

20.0%

18.3%

17.8%

18.0%

18.4%

20.1%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

63.1%

64.44%

67.93%

68.15%

66.09%

66.9%

67.23%

Amount of Gross NPAs

846.95

829.17

871.30

824.93

749.60

757.82

754.65

Amount of Net NPAs

312.54

294.85

280.81

262.74

254.19

250.51

247.29

% of Net NPAs

0.92%

0.94%

0.99%

% of Gross NPAs

2.46%

2.59%

2.87%

2.91%

2.71%

2.8%

2.97%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

62.0

61.0

60.0

61.0

Number of Branches

822.0

816.0

0.0

809.0

802.0

778.0

776.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 5.17% vs 5.27% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 1,342.93% vs -87.08% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 21.30% vs -1.08% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.02% vs 0.00% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.13% vs -0.28% in Dec 2025

Compare Quarterly Results Of Jana Small Finan With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,444.59

1,836.35

-391.76

-21.33%

Income On Investments

129.07

167.62

-38.55

-23.0%

Interest On Balances With Rbi Other Inter Bank Funds

7.03

36.94

-29.91

-80.97%

Interest / Discount On Advances / Bills

1,308.48

1,631.74

-323.26

-19.81%

Others

0.00

0.05

-0.05

-100.0%

Other Income

265.60

263.46

2.14

0.81%

Total Income

1,710.19

2,099.81

-389.62

-18.56%

Interest Expended

709.01

856.23

-147.22

-17.19%

Net Interest Income

735.58

980.12

-244.54

-24.95%

Total Expenditure (Excl Depreciation)

666.47

841.12

-174.65

-20.76%

Employee Cost

384.02

514.10

-130.08

-25.3%

Other Operating Expenses

282.45

327.02

-44.57

-13.63%

Operating Profit Before Provisions and Contingencies

334.72

402.46

-67.74

-16.83%

Exceptional Items

0.00

Provisions and contingencies

194.90

124.11

70.79

57.04%

Profit Before Tax

139.82

278.35

-138.53

-49.77%

Tax

0.00

65.67

-65.67

-100.0%

Profit After Tax

139.82

212.68

-72.86

-34.26%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

139.82

212.68

-72.86

-34.26%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

13.28

1.86

11.42

613.98%

Diluted Earnings per share

13.23

1.86

11.37

611.29%

Operating Profit Margin (Excl OI)

40.37%

47.44%

0.00

-7.07%

Gross Profit Margin

9.68%

15.16%

0.00

-5.48%

PAT Margin

9.68%

11.58%

0.00

-1.90%

Net Interest Margin

7.20%

7.29%

-0.09

-0.09%

Return on Assets

0.00%

0.35%

-0.35

-0.35%

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%

Capital Adequacy Ratio (Tier 1)

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 1444.59 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 5.17% vs 5.27% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 22.02% vs 6.48% in Mar 2025

Quarterly - Net Profit

Net Profit 139.82 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 1,342.93% vs -87.08% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 13.23% vs -61.61% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 334.72 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 21.30% vs -1.08% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 20.65% vs -18.87% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.92%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.02% vs 0.00% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.02% vs 0.38% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.46%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.13% vs -0.28% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.25% vs 0.60% in Mar 2025