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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

1,514.53

1,444.59

1,373.53

1,304.78

1,240.65

1,183.85

1,177.41

Income On Investments

123.34

129.07

133.55

115.86

112.15

85.90

88.36

Interest On Balances With Rbi Other Inter Bank Funds

11.43

7.03

7.33

13.83

17.62

22.47

15.90

Interest / Discount On Advances / Bills

1,379.27

1,308.48

1,221.71

1,175.09

1,109.33

1,073.91

1,073.15

Others

0.49

0.00

10.94

0.01

1.56

0.01

Other Income

226.91

265.60

244.73

247.47

265.99

233.88

177.40

Total Income

1,741.45

1,710.19

1,618.27

1,552.25

1,506.64

1,417.73

1,354.82

Interest Expended

732.06

709.01

709.36

686.31

655.06

602.38

584.83

Net Interest Income

782.47

735.58

664.17

618.47

585.59

581.47

592.58

Total Expenditure (Excl Depreciation)

676.22

666.47

632.97

586.97

562.95

537.93

490.90

Employee Cost

414.86

384.02

369.66

355.54

351.00

327.20

309.43

Other Operating Expenses

261.36

282.45

263.31

231.43

211.95

210.73

181.47

Operating Profit Before Provisions and Contingencies

333.16

334.72

275.94

278.96

288.63

277.42

279.09

Exceptional Items

0.00

Provisions and contingencies

177.93

194.90

266.25

203.97

186.71

157.58

173.75

Profit Before Tax

155.23

139.82

9.69

74.99

101.93

119.84

105.34

Tax

0.00

-3.64

-5.32

Profit After Tax

155.23

139.82

9.69

74.99

101.93

123.48

110.66

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

155.23

139.82

9.69

74.99

101.93

123.48

110.66

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

14.74

13.28

0.92

7.13

9.69

11.75

10.57

Diluted Earnings per share

14.69

13.23

0.92

7.13

9.65

11.71

10.49

Operating Profit Margin (Excl OI)

43.6%

40.37%

34.53%

39.38%

39.58%

41.25%

43.55%

Gross Profit Margin

10.25%

9.68%

0.71%

5.75%

8.22%

10.12%

8.95%

PAT Margin

10.25%

9.68%

0.71%

5.75%

8.22%

10.43%

9.4%

Net Interest Margin

7.5%

7.2%

6.6%

7.4%

7.3%

Return on Assets

0.0%

CASA (%)

19.0%

18.0%

20.0%

18.3%

18.0%

18.4%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

62.64%

63.1%

64.44%

67.93%

68.15%

66.09%

66.9%

Amount of Gross NPAs

841.10

846.95

829.17

871.30

824.93

749.60

757.82

Amount of Net NPAs

314.26

312.54

294.85

280.81

262.74

254.19

250.51

% of Net NPAs

0.91%

0.92%

0.94%

% of Gross NPAs

2.39%

2.46%

2.59%

2.87%

2.91%

2.71%

2.8%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

62.0

61.0

60.0

Number of Branches

826.0

822.0

816.0

0.0

809.0

802.0

778.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 4.84% vs 5.17% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 11.02% vs 1,342.93% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is -0.47% vs 21.30% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.02% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.13% in Mar 2026

Compare Quarterly Results Of Jana Small Finan With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,514.53

1,960.40

-445.87

-22.74%

Income On Investments

123.34

175.33

-51.99

-29.65%

Interest On Balances With Rbi Other Inter Bank Funds

11.43

30.12

-18.69

-62.05%

Interest / Discount On Advances / Bills

1,379.27

1,754.88

-375.61

-21.4%

Others

0.49

0.07

0.42

600.0%

Other Income

226.91

255.10

-28.19

-11.05%

Total Income

1,741.45

2,215.50

-474.05

-21.4%

Interest Expended

732.06

930.81

-198.75

-21.35%

Net Interest Income

782.47

1,029.59

-247.12

-24.0%

Total Expenditure (Excl Depreciation)

676.22

879.96

-203.74

-23.15%

Employee Cost

414.86

548.71

-133.85

-24.39%

Other Operating Expenses

261.36

331.25

-69.89

-21.1%

Operating Profit Before Provisions and Contingencies

333.16

404.73

-71.57

-17.68%

Exceptional Items

0.00

Provisions and contingencies

177.93

160.66

17.27

10.75%

Profit Before Tax

155.23

244.07

-88.84

-36.4%

Tax

0.00

60.47

-60.47

-100.0%

Profit After Tax

155.23

183.61

-28.38

-15.46%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

155.23

183.61

-28.38

-15.46%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

14.74

1.61

13.13

815.53%

Diluted Earnings per share

14.69

1.60

13.09

818.12%

Operating Profit Margin (Excl OI)

43.60%

46.92%

0.00

-3.32%

Gross Profit Margin

10.25%

12.45%

0.00

-2.20%

PAT Margin

10.25%

9.37%

0.00

0.88%

Net Interest Margin

7.50%

7.07%

0.43

0.43%

Return on Assets

0.00%

0.29%

-0.29

-0.29%

CASA (%)

19.00%

25.00%

-6.00

-6.00%

CASA Amount

0.00

12,307.00

-12,307.00

-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 (%)

62.64%

71.02%

-8.38

-8.38%

Amount of Gross NPAs

841.10

1,100.39

-259.29

-23.56%

Amount of Net NPAs

314.26

318.94

-4.68

-1.47%

% of Net NPAs

0.91%

0.71%

0.20

0.20%

% of Gross NPAs

2.39%

2.42%

-0.03

-0.03%

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

826.00

1,063.00

-237.00

-22.3%

Quarterly - Interest Earned

Interest Earned 1514.53 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 4.84% vs 5.17% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 22.08% vs 6.31% in Jun 2025

Quarterly - Net Profit

Net Profit 155.23 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 11.02% vs 1,342.93% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 52.29% vs -40.24% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 333.16 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -0.47% vs 21.30% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 15.43% vs -18.87% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.91%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.02% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.03% vs -0.05% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.39%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.13% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.52% vs 0.29% in Jun 2025