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Jana Small Finan

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE953L01027
  • NSEID: JSFB
  • BSEID: 544118
INR
440.05
-2.8 (-0.63%)
BSENSE

Dec 05

BSE+NSE Vol: 1.88 lacs

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stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
1,304.78
1,252.05
1,199.28
1,177.41
1,166.05
1,167.06
1,111.85
Income On Investments
115.86
112.15
85.90
88.36
94.08
108.92
94.58
Interest On Balances With Rbi Other Inter Bank Funds
13.83
17.62
22.47
15.90
10.00
14.18
15.29
Interest / Discount On Advances / Bills
1,175.09
1,120.73
1,089.34
1,073.15
1,061.96
1,043.95
1,001.20
Others
0.01
1.56
1.56
0.01
0.01
0.01
0.78
Other Income
247.47
264.10
233.88
177.40
175.56
189.01
179.10
Total Income
1,552.25
1,516.15
1,433.16
1,354.82
1,341.61
1,356.07
1,290.95
Interest Expended
686.31
655.06
602.38
584.83
572.14
557.31
520.06
Net Interest Income
618.47
596.99
596.90
592.58
593.91
609.75
591.79
Total Expenditure (Excl Depreciation)
586.97
562.95
537.93
490.90
470.82
442.98
428.95
Employee Cost
355.54
351.00
327.20
309.43
296.09
277.70
259.08
Other Operating Expenses
231.43
211.95
210.73
181.47
174.73
165.28
169.87
Operating Profit Before Provisions and Contingencies
278.96
298.14
292.85
279.09
298.65
355.78
341.94
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
203.97
196.21
173.01
173.75
210.28
195.65
175.45
Profit Before Tax
74.99
101.93
119.84
105.34
88.38
160.13
166.49
Tax
0.00
0.00
-3.64
-5.32
-8.34
-10.43
-155.19
Profit After Tax
74.99
101.93
123.48
110.66
96.72
170.56
321.68
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
74.99
101.93
123.48
110.66
96.72
170.56
321.68
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
7.13
9.69
11.75
10.57
9.25
16.31
30.76
Diluted Earnings per share
7.13
9.65
11.71
10.49
9.15
16.14
34.5
Operating Profit Margin (Excl OI)
39.38%
39.37%
40.72%
43.55%
41.59%
45.28%
45.64%
Gross Profit Margin
5.75%
8.14%
9.99%
8.95%
7.58%
13.72%
14.97%
PAT Margin
5.75%
8.14%
10.3%
9.4%
8.29%
14.61%
28.93%
Net Interest Margin
6.6%
6.7%
7.4%
7.3%
7.7%
8.0%
8.1%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
18.3%
17.8%
18.0%
18.4%
20.1%
20.4%
19.7%
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 (%)
67.93%
68.15%
66.09%
66.9%
67.23%
62.7%
73.7%
Amount of Gross NPAs
871.00
824.93
749.60
757.82
754.65
645.93
494.33
Amount of Net NPAs
279.00
262.74
254.19
250.51
247.29
240.75
130.02
% of Net NPAs
0.9%
0.94%
0.94%
0.94%
0.99%
0.99%
0.56%
% of Gross NPAs
2.8%
2.91%
2.71%
2.8%
2.97%
2.62%
2.11%
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
61.0
61.0
61.0
60.0
61.0
61.0
61.0
Number of Branches
0.0
809.0
802.0
778.0
776.0
268.0
297.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 4.21% vs 4.4% in Jun 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Sep 2025 is -26.43% vs -17.45% in Jun 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -6.43% vs 1.81% in Jun 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.04% vs 0.00% in Jun 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.11% vs 0.20% in Jun 2025

Compare Quarterly Results Of Jana Small Finan With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,304.78
1,617.35
-312.57
-19.33%
Income On Investments
115.86
162.85
-46.99
-28.85%
Interest On Balances With Rbi Other Inter Bank Funds
13.83
44.09
-30.26
-68.63%
Interest / Discount On Advances / Bills
1,175.09
1,410.40
-235.31
-16.68%
Others
0.01
0.00
0.01
Other Income
247.47
228.95
18.52
8.09%
Total Income
1,552.25
1,846.29
-294.04
-15.93%
Interest Expended
686.31
843.67
-157.36
-18.65%
Net Interest Income
618.47
773.68
-155.21
-20.06%
Total Expenditure (Excl Depreciation)
586.97
762.06
-175.09
-22.98%
Employee Cost
355.54
473.69
-118.15
-24.94%
Other Operating Expenses
231.43
288.37
-56.94
-19.75%
Operating Profit Before Provisions and Contingencies
278.96
240.56
38.40
15.96%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
203.97
207.02
-3.05
-1.47%
Profit Before Tax
74.99
33.54
41.45
123.58%
Tax
0.00
9.40
-9.40
-100.0%
Profit After Tax
74.99
24.14
50.85
210.65%
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
74.99
24.14
50.85
210.65%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
7.13
0.21
6.92
3295.24%
Diluted Earnings per share
7.13
0.21
6.92
3295.24%
Operating Profit Margin (Excl OI)
39.38%
40.08%
0.00
-0.70%
Gross Profit Margin
5.75%
2.07%
0.00
3.68%
PAT Margin
5.75%
1.49%
0.00
4.26%
Net Interest Margin
6.60%
6.29%
0.31
0.31%
Return on Assets
0.00%
0.04%
-0.04
-0.04%
CASA (%)
18.30%
31.00%
-12.70
-12.70%
CASA Amount
0.00
13,622.00
-13,622.00
-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 (%)
67.93%
66.93%
1.00
1.00%
Amount of Gross NPAs
871.00
1,081.87
-210.87
-19.49%
Amount of Net NPAs
279.00
357.82
-78.82
-22.03%
% of Net NPAs
0.90%
0.98%
-0.08
-0.08%
% of Gross NPAs
2.80%
2.92%
-0.12
-0.12%
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
61.00
382.00
-321.00
-84.03%
Number of Branches
0.00
1,042.00
-1,042.00
-100.0%
Quarterly - Interest Earned
Interest Earned 1304.78 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 4.21% vs 4.4% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 11.9% vs 19.1% in Sep 2024

Quarterly - Net Profit
Net Profit 74.99 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -26.43% vs -17.45% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -22.47% vs -21.27% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 278.96 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -6.43% vs 1.81% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -6.59% vs 5.50% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.90%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.04% vs 0.00% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -0.09% vs 0.12% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.80%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.11% vs 0.20% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -0.17% vs 0.53% in Sep 2024

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