Jana Small Finan

Why is Jana Small Finance Bank Ltd falling/rising?

As of 09-Jun, Jana Small Finance Bank Ltd's stock price is rising to Rs 475.50 due to strong lending practices, a low Gross NPA ratio of 2.46%, and significant growth in Net Interest Income and net profit. Recent positive financial results and increased institutional holdings suggest growing investor confidence, despite a decline over the past year.

As of 09-Jun, Jana Small Finance Bank Ltd's stock price is rising, currently at Rs 475.50, reflecting an increase of Rs 5.6 or 1.19%. This upward movement can be attributed to several positive factors. The company has demonstrated strong lending practices, evidenced by a low Gross NPA ratio of 2.46%. Additionally, it has reported healthy long-term growth, with Net Interest Income growing at an annual rate of 20.86% and a significant net profit increase of 78.40%. <BR><BR>Moreover, the company recently declared positive results for March 2026 after five consecutive quarters of negative performance, achieving the highest quarterly Net Interest Income at Rs 735.58 crore and the highest interest earned at Rs 1,444.59 crore. The Gross NPA also reached its lowest at 2.46% during this period. <BR><BR>Despite the stock's performance over the past year showing a decline of 8.18%, the recent positive financial results and the increase in institutional holdings, which now stand at 20.58%, indicate a growing confidence among investors. These institutional investors are typically more adept at analyzing company fundamentals, which may further support the stock's rise. <BR><BR>However, it is important to note that the stock has been underperforming against benchmarks over the last three years, which could temper the enthusiasm of some investors. Nonetheless, the current price increase reflects a positive sentiment driven by the company's recent performance and growth prospects.

Which are the latest news on Jana Small Finan?

Should I buy, sell or hold Jana Small Finance Bank Ltd?

Are Jana Small Finance Bank Ltd latest results good or bad?

Jana Small Finance Bank Ltd's Q4 FY26 results are positive, with a net profit of ₹139.82 crores, a 1,342.93% increase quarter-on-quarter, and a 13.23% increase year-on-year. The bank also improved its asset quality, with gross NPAs decreasing to 2.46%, although elevated provisions indicate ongoing challenges in some loan segments.

Jana Small Finance Bank Ltd's latest results for Q4 FY26 can be considered quite positive. The bank reported a net profit of ₹139.82 crores, which is a remarkable increase of 1,342.93% quarter-on-quarter and a 13.23% increase year-on-year. This significant recovery from the previous quarter's profit of just ₹9.69 crores indicates strong operational momentum.<BR><BR>Additionally, net interest income rose to ₹735.58 crores, reflecting a sequential growth of 10.75% and a year-on-year increase of 26.50%. This growth in net interest income showcases the bank's effective management of its lending operations and improved yield management.<BR><BR>The bank's asset quality also showed improvement, with gross non-performing assets (NPA) decreasing to 2.46%, the lowest level on record for the bank, down from 2.59% in the previous quarter. This suggests effective risk management and resolution efforts.<BR><BR>While the results are strong, it's important to note that provisions and contingencies remained elevated at ₹194.90 crores, indicating ongoing stress in certain loan segments that require continued attention. Overall, the results reflect a positive trend, but the bank must maintain this momentum to ensure sustained profitability and operational consistency moving forward.

Is Jana Small Finan technically bullish or bearish?

As of November 17, 2025, Jana Small Finance's trend has shifted to a moderate bearish stance, supported by bearish signals from the weekly MACD, Bollinger Bands, and daily moving averages, while the RSI remains neutral.

As of 17 November 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. Key indicators driving this include the weekly MACD and Bollinger Bands both indicating bearish conditions, along with daily moving averages also showing bearish signals. The RSI is neutral with no signals on both weekly and monthly time frames. Overall, the lack of upward momentum and the prevailing bearish indicators suggest a continued downward trend for Jana Small Finan.

How has been the historical performance of Jana Small Finan?

Jana Small Finan has demonstrated significant growth from March 2019 to March 2025, with interest earned increasing from 1,250.54 crore to 4,709.79 crore and total income rising from 1,368.27 crore to 5,485.65 crore, despite a decline in profit after tax from 669.54 crore in March 2024 to 501.42 crore in March 2025. Total liabilities and deposits also grew substantially during this period.

Answer:<BR>The historical performance of Jana Small Finan shows significant growth in various financial metrics over the years, particularly from March 2019 to March 2025.<BR><BR>Breakdown:<BR>Jana Small Finan's interest earned has increased from 1,250.54 crore in March 2019 to 4,709.79 crore in March 2025, demonstrating a robust upward trend. The total income has also risen substantially, from 1,368.27 crore in March 2019 to 5,485.65 crore in March 2025. Net interest income followed a similar trajectory, growing from 436.91 crore in March 2019 to 2,393.13 crore in March 2025. However, profit before tax peaked at 514.35 crore in March 2024 before declining to 473.68 crore in March 2025, while profit after tax showed a decrease from 669.54 crore in March 2024 to 501.42 crore in March 2025. Total liabilities increased from 14,144.51 crore in March 2019 to 38,463.62 crore in March 2025, with deposits rising from 9,651.95 crore to 29,119.78 crore in the same period. The cash flow position improved significantly, with a net increase in cash and cash equivalents reaching 2,420 crore in March 2025, compared to a decrease of 38 crore in March 2024. Overall, Jana Small Finan has shown a strong growth trajectory in income and deposits, despite some fluctuations in profitability in recent years.

Is Jana Small Finan overvalued or undervalued?

As of October 17, 2025, Jana Small Finan is fairly valued with a PE ratio of 10.93, a Price to Book Value of 1.16, and a ROE of 10.58%, showing lower valuation compared to peers like HDFC Bank and ICICI Bank, while also underperforming the Sensex with a stock return of -16.48%.

As of 17 October 2025, the valuation grade for Jana Small Finan has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key ratios include a PE ratio of 10.93, a Price to Book Value of 1.16, and a ROE of 10.58%. <BR><BR>In comparison to its peers, Jana Small Finan's PE ratio is significantly lower than that of HDFC Bank, which is considered expensive at 22.22, and ICICI Bank, which is fairly valued at 20.98. Additionally, the company has a PEG ratio of 0.00, suggesting potential growth opportunities that are not yet reflected in its current price. Notably, Jana Small Finan has underperformed compared to the Sensex over the past year, with a stock return of -16.48% versus the Sensex's 3.64%, reinforcing the notion that it is currently fairly valued within its market context.

How big is Jana Small Finan?

As of 24th July, Jana Small Finance Bank Ltd has a market capitalization of 4,752.00 Cr and reported a net profit of 432.79 Cr for the latest four quarters, with total assets of 32,709.78 Cr as of March'24.

As of 24th July, <BR><BR>Market Cap: Jana Small Finance Bank Ltd has a market capitalization of 4,752.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company has reported Net Sales of 0.00 Cr for the latest quarters, and a Net Profit of 432.79 Cr for the latest four quarters ending in June'25, March'25, December'24, and September'24.<BR><BR>Balance Sheet Snapshot: The latest annual reporting period is March'24, with Shareholder's Funds amounting to 3,577.10 Cr and Total Assets of 32,709.78 Cr.

What does Jana Small Finan do?

Jana Small Finance Bank Ltd is a mid-cap small finance bank in India, incorporated in 2006 and received RBI approval to operate as a bank in 2017. As of March 2025, it reported net sales of ₹1,199.28 Cr and a net profit of ₹123 Cr.

Overview:<BR>Jana Small Finance Bank Ltd operates in the banking sector as a small finance bank and is categorized as a mid-cap company.<BR><BR>History:<BR>Jana Small Finance Bank Ltd was incorporated as 'Janalakshmi Financial Services Private Limited' on July 24, 2006. It transitioned to a public company on August 10, 2015, and changed its name to 'Janalakshmi Financial Services Limited' on September 18, 2015. The bank received final approval from the RBI to operate as a small finance bank on April 28, 2017. The most recent quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,199.28 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 123 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: INR 5,262 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: Not available<BR>Phone: Not available<BR>Email: Not available<BR>Website: Not available

Who are the top shareholders of the Jana Small Finan?

The top shareholders of Jana Small Finance include Jana Holdings Limited with 21.88%, Tpg Asia Vi Sf Pte. Ltd. at 8.12%, and individual investors holding 21.75%. Additionally, mutual funds hold 5.33% and foreign institutional investors have 0.28%, with no pledged promoter holdings reported.

The top shareholders of Jana Small Finance include several key players. The largest promoter is Jana Holdings Limited, which holds 21.88% of the shares. Following that, Tpg Asia Vi Sf Pte. Ltd. is the highest public shareholder with an 8.12% stake. Additionally, individual investors collectively hold 21.75% of the shares. The company also has mutual funds involved, with 8 schemes holding a total of 5.33%, and 19 foreign institutional investors (FIIs) holding 0.28%. There are no pledged promoter holdings reported.

When is the next results date for Jana Small Finan?

No Upcoming Board Meetings

Has Jana Small Finan declared dividend?

No Dividend History Available

Who are the peers of the Jana Small Finan?

Jana Small Finan's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Utkarsh Small Finance, ESAF Small Finance, Suryoday Small Finance, and Capital Small Finance. AU Small Finance leads in management quality and growth, while Jana Small Finan has a below-average capital structure and a 1-year return of -17.79%.

Peers: The peers of Jana Small Finan are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., ESAF Small Fin, Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small, and Average management risk is present at ESAF Small Fin and Suryoday Small. In terms of Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Suryoday Small, and Capital Small, while Average growth is seen at Equitas Sma. Fin and Utkarsh Small F., and Below Average growth is reported at ESAF Small Fin. For Capital Structure, Excellent capital structure is held by AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Suryoday Small, while Below Average capital structure is found at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 12.60%, while the lowest is Utkarsh Small F. at -55.37%. Jana Small Finan's 1-year return of -17.79% is better than Utkarsh Small F. but worse than AU Small Finance. Additionally, Utkarsh Small F., ESAF Small Fin, and Suryoday Small have negative six-month returns.