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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

1,384.13

1,304.78

1,252.05

1,199.28

1,177.41

1,166.05

1,167.06

Income On Investments

133.55

115.86

112.15

85.90

88.36

94.08

108.92

Interest On Balances With Rbi Other Inter Bank Funds

7.33

13.83

17.62

22.47

15.90

10.00

14.18

Interest / Discount On Advances / Bills

1,232.31

1,175.09

1,120.73

1,089.34

1,073.15

1,061.96

1,043.95

Others

10.94

0.01

1.56

0.01

Other Income

244.73

247.47

264.10

233.88

177.40

175.56

189.01

Total Income

1,628.86

1,552.25

1,516.15

1,433.16

1,354.82

1,341.61

1,356.07

Interest Expended

709.36

686.31

655.06

602.38

584.83

572.14

557.31

Net Interest Income

674.77

618.47

596.99

596.90

592.58

593.91

609.75

Total Expenditure (Excl Depreciation)

632.97

586.97

562.95

537.93

490.90

470.82

442.98

Employee Cost

369.66

355.54

351.00

327.20

309.43

296.09

277.70

Other Operating Expenses

263.31

231.43

211.95

210.73

181.47

174.73

165.28

Operating Profit Before Provisions and Contingencies

286.53

278.96

298.14

292.85

279.09

298.65

355.78

Exceptional Items

0.00

Provisions and contingencies

276.84

203.97

196.21

173.01

173.75

210.28

195.65

Profit Before Tax

9.69

74.99

101.93

119.84

105.34

88.38

160.13

Tax

0.00

-3.64

-5.32

-8.34

-10.43

Profit After Tax

9.69

74.99

101.93

123.48

110.66

96.72

170.56

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

9.69

74.99

101.93

123.48

110.66

96.72

170.56

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.92

7.13

9.69

11.75

10.57

9.25

16.31

Diluted Earnings per share

0.92

7.13

9.65

11.71

10.49

9.15

16.14

Operating Profit Margin (Excl OI)

34.27%

39.38%

39.37%

40.72%

43.55%

41.59%

45.28%

Gross Profit Margin

0.7%

5.75%

8.14%

9.99%

8.95%

7.58%

13.72%

PAT Margin

0.7%

5.75%

8.14%

10.3%

9.4%

8.29%

14.61%

Net Interest Margin

6.7%

6.6%

6.7%

7.4%

7.3%

7.7%

8.0%

Return on Assets

0.0%

CASA (%)

20.0%

18.3%

17.8%

18.0%

18.4%

20.1%

20.4%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

64.44%

67.93%

68.15%

66.09%

66.9%

67.23%

62.7%

Amount of Gross NPAs

829.17

871.30

824.93

749.60

757.82

754.65

645.93

Amount of Net NPAs

294.85

280.81

262.74

254.19

250.51

247.29

240.75

% of Net NPAs

0.94%

0.99%

% of Gross NPAs

2.59%

2.87%

2.91%

2.71%

2.8%

2.97%

2.62%

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

816.0

0.0

809.0

802.0

778.0

776.0

268.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 6.08% vs 4.21% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is -87.08% vs -26.43% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 2.71% vs -6.43% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.28% vs -0.04% in Sep 2025

Compare Quarterly Results Of Jana Small Finan With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,384.13

1,691.68

-307.55

-18.18%

Income On Investments

133.55

169.26

-35.71

-21.1%

Interest On Balances With Rbi Other Inter Bank Funds

7.33

27.56

-20.23

-73.4%

Interest / Discount On Advances / Bills

1,232.31

1,494.86

-262.55

-17.56%

Others

10.94

0.00

10.94

Other Income

244.73

289.45

-44.72

-15.45%

Total Income

1,628.86

1,981.13

-352.27

-17.78%

Interest Expended

709.36

840.05

-130.69

-15.56%

Net Interest Income

674.77

851.63

-176.86

-20.77%

Total Expenditure (Excl Depreciation)

632.97

833.90

-200.93

-24.1%

Employee Cost

369.66

516.28

-146.62

-28.4%

Other Operating Expenses

263.31

317.62

-54.31

-17.1%

Operating Profit Before Provisions and Contingencies

286.53

307.18

-20.65

-6.72%

Exceptional Items

0.00

Provisions and contingencies

276.84

193.45

83.39

43.11%

Profit Before Tax

9.69

113.73

-104.04

-91.48%

Tax

0.00

23.70

-23.70

-100.0%

Profit After Tax

9.69

90.03

-80.34

-89.24%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

9.69

90.03

-80.34

-89.24%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.92

0.79

0.13

16.46%

Diluted Earnings per share

0.92

0.79

0.13

16.46%

Operating Profit Margin (Excl OI)

34.27%

39.27%

0.00

-5.00%

Gross Profit Margin

0.70%

6.72%

0.00

-6.02%

PAT Margin

0.70%

5.32%

0.00

-4.62%

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%

Capital Adequacy Ratio (Tier 1)

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 1384.13 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.08% vs 4.21% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 17.56% vs 13.43% in Dec 2024

Quarterly - Net Profit

Net Profit 9.69 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -87.08% vs -26.43% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -91.24% vs -17.81% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 286.53 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.71% vs -6.43% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 2.67% vs -5.48% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.94%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 0.00% vs 0.23% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.59%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.28% vs -0.04% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.21% vs 0.61% in Dec 2024