Jana Small Finance Bank quarterly results and financials

Jana Small Finance Bank (JSFB)₹402.40−0.96%(9 Nov 2026 close)Other Bank

Key facts

In the Jun 2026 quarter (standalone), Jana Small Finance Bank reported revenue of ₹1,521 Cr, up 22.1% from Jun 2025, and net profit of ₹155 Cr, up 51.8% year on year. For the year to Mar 2026, revenue were ₹5,376 Cr and net profit ₹327 Cr.

Revenue (Jun 2026): ₹1,521 Cr
Net profit (Jun 2026): ₹155 Cr
Revenue (FY Mar 2026): ₹5,376 Cr
Net profit (FY Mar 2026): ₹327 Cr
EPS (Jun 2026): ₹14.71
Borrowings (Mar 2026): ₹5,508 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

Jana Small Finance Bank quarterly results

₹ crore unless stated; each column is a quarter.

Jana Small Finance Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	982	1,043	1,116	1,172	1,170	1,182	1,189	1,246	1,311	1,380	1,451	1,521
Interest	452	488	518	555	570	583	600	653	684	707	707	730
Net interest income	530	555	598	617	601	599	589	593	627	673	744	792
Expenses	566	554	604	639	681	666	696	751	792	899	862	854
Financing Profit	−41.13	−5.01	−13.04	−29.07	−87.20	−72.23	−114	−165	−173	−236	−126	−72.17
Financing Margin %	−4.0%	0.0%	−1.0%	−2.0%	−7.0%	−6.0%	−9.9%	−12.9%	−13.0%	−16.9%	−9.0%	−5.0%
Other Income	165	140	180	190	177	178	235	267	248	246	267	228
Profit before tax	122	135	165	159	87.65	105	120	102	74.75	9.96	139	154
Tax %	0.0%	0.0%	−93.0%	−7.0%	−9.0%	−5.0%	−3.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Net Profit	123	136	323	172	97.40	111	123	102	75.33	10.03	140	155
EPS (Rs)	24.15	26.45	30.69	16.26	9.23	10.53	11.72	9.66	7.12	0.91	13.24	14.71
Gross NPA %	2.4%	2.2%	2.1%	2.6%	3.0%	2.8%	2.7%	2.9%	2.9%	2.6%	2.5%	2.4%
Net NPA %	0.9%	0.7%	0.6%	1.0%	1.0%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%
Provision coverage (approx., excl. write-offs) %	64.3%	67.6%	73.5%	62.2%	66.7%	66.4%	65.3%	67.7%	67.3%	63.7%	62.6%	61.9%

Jana Small Finance Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Jana Small Finance Bank Profit and loss
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,562	1,255	1,998	2,509	2,738	3,087	4,028	4,730	5,376	5,663
Interest	1,159	811	976	1,230	1,333	1,409	1,879	2,308	2,751	2,827
Net interest income	403	443	1,023	1,279	1,405	1,678	2,149	2,422	2,624	2,836
Expenses	2,847	2,399	1,323	1,331	1,627	1,961	2,222	2,636	3,293	3,406
Financing Profit	−2,461	−1,970	−312	−68.18	−239	−301	−94.27	−243	−697	−607
Financing Margin %	−158.0%	−157.0%	−15.9%	−3.0%	−8.9%	−9.9%	−2.0%	−5.0%	−12.9%	−10.7%
Other Income	42.16	113	435	236	325	627	673	779	1,025	988
Depreciation	0.00	99.24	93.27	83.21	81.28	69.17	62.16	61.15	0.00	0.00
Profit before tax	−2,401	−1,942	29.86	83.70	4.98	255	512	472	325	379
Tax %	4.0%	0.0%	0.0%	0.0%	0.0%	0.0%	−30.0%	−6.0%	0.0%	—
Exceptional items	0.00	−5.02	−3.01	−8.03	0.00	0.00	0.00	0.00	0.00	—
Net Profit	−2,511	−1,955	30.13	84.31	5.02	257	673	503	327	381
EPS (Rs)	−635.69	−412.02	5.92	16.59	1.06	50.35	63.88	47.60	30.89	35.98
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Jana Small Finance Bank balance sheet

₹ crore, at each year end.

Jana Small Finance Bank Balance sheet
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	39.04	47.06	51.08	51.11	51.10	55.06	105	105	105
Reserves	1,493	477	845	929	1,001	1,475	3,484	4,025	4,337
Deposits	0.00	4,201	9,658	12,398	13,548	16,337	22,595	29,165	35,820
Borrowings	7,674	4,245	3,057	4,975	4,670	6,559	5,226	3,879	5,508
Other Liabilities	561	489	553	767	943	1,241	1,356	1,366	1,741
Total Liabilities	9,766	9,461	14,164	19,119	20,213	25,667	32,767	38,540	47,513
Fixed Assets	384	331	258	211	170	123	139	150	199
CWIP	0.00	2.01	0.99	0.99	0.99	4.99	3.01	3.01	0.00
Investments	1,995	1,467	2,651	4,698	5,064	5,223	6,739	5,940	9,816
Other Assets	7,386	7,661	11,252	14,210	14,977	20,317	25,887	32,447	37,498
Cash & equivalents	199	1,054	377	402	524	964	968	2,758	2,500
Total Assets	9,766	9,461	14,164	19,119	20,213	25,667	32,767	38,540	47,513

Jana Small Finance Bank cash flow

₹ crore, for each year.

Jana Small Finance Bank Cash flow
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	2,763	947	613	857	−1,134	707	4,065	593
Cash from investing activity	−232	−286	−1,270	−1,334	−435	−782	−322	−4,143
Cash from financing activity	−2,484	−850	1,913	−240	2,099	32.95	−1,328	1,636
Net cash flow	50.89	−188	1,264	−710	532	−38.92	2,416	−1,896
Capex	55.14	21.05	43.10	41.06	26.05	77.17	73.12	122
Free cash flow	2,713	926	572	816	−1,160	630	3,990	471
CFO / OP %	−241.0%	140.0%	53.0%	78.0%	−101.0%	40.0%	197.0%	29.0%

Jana Small Finance Bank ratios

Working-capital days and returns, by year.

Jana Small Finance Bank Ratios
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	−164.1%	−189.1%	5.0%	9.9%	1.0%	19.9%	25.9%	12.9%	7.9%

Jana Small Finance Bank: frequently asked questions

What are the latest quarterly results of Jana Small Finance Bank?

For the Jun 2026 quarter, Jana Small Finance Bank reported revenue of ₹1,521 Cr, up 22.1% year on year and net profit of ₹155 Cr, up 51.8% year on year.

What is the annual revenue of Jana Small Finance Bank?

Jana Small Finance Bank's revenue for the year to Mar 2026 were ₹5,376 Cr; over the last twelve months they were ₹5,663 Cr.

What is the net profit of Jana Small Finance Bank?

Net profit for the year to Mar 2026 was ₹327 Cr, and ₹381 Cr over the last twelve months. Earnings per share over the same trailing period were ₹35.98.

What is the free cash flow of Jana Small Finance Bank?

Cash from operations was ₹593 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹471 Cr.

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