Jana Small Finance Bank financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹1,816cr+17.0% on Q2 FY26
Net interest income
₹819cr+32.3% on Q2 FY26
Net profit
₹170cr+127.1% on Q2 FY26
EPS
₹16.12+126.1% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income1,8161,552+17.0%
Net interest income819618+32.3%
Operating profit374279+33.9%
Net profit17075.0+127.1%
EPS₹16.12₹7.13+126.1%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹1,816 crNet profit₹170 crNet interest margin6.5%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023
4,152————
5,9305,3534,7104,0133,075
—+13.7%+17.4%+30.5%—
3,0112,5932,3932,1271,660
—+8.4%+12.5%+28.1%—
6.0%6.0%6.7%6.5%—
1,3281,1661,2261,193—
475326501670256
—−34.9%−25.1%+161.6%—
₹45.11₹30.99₹47.61₹63.57₹24.30
—−34.9%−25.1%+161.6%—
7.6%7.6%13.0%18.7%—
Balance sheet & asset quality
38,22135,78429,12022,57116,334
35,44533,82827,15523,11117,760
—2.5%0.0%0.0%—
—0.9%0.0%0.0%—
Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

JSFB₹394.20

Jana Small Finance Bank Ltd.

· Banking & Finance
₹ CrorePeersUJJIVANSFBEQUITASBNKAUBANKINDIASHLTRKTKBANKIIFLCAPSMAHSCOOTERFEDFINAMcap ₹4,152 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————4,151.7
Interest Earned3,075.04,013.04,709.85,352.95,930.0
Growth %, YoY—+30.5+17.4+13.7—
Net Interest Income1,660.02,127.12,393.12,593.13,011.3
Growth %, YoY—+28.1+12.5+8.4—
NIM %, on assets—6.506.726.046.04
Operating Profit (PPOP)—1,193.31,226.41,165.71,328.1
Net Income256.0669.5501.4326.4475.1
Growth %, YoY—+161.6-25.1-34.9—
EPS, Adj (current shares)24.3063.5747.6130.9945.11
Growth %, YoY—+161.6-25.1-34.9—
ROE %—18.7213.037.607.60
Balance Sheet & Asset Quality
Deposits16,334.022,571.229,119.835,784.538,220.8
Advances17,759.623,111.327,155.533,827.735,445.4
Gross NPA %—0.020.032.46—
Net NPA %—0.010.010.92—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Jana Small Finance Bank financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Jana Small Finance Bank (NSE: JSFB) had a market capitalisation of ₹4,171 crore at the previous close (₹394.20 a share), a PE ratio of 8.8 on the last four quarters' profit and a price-to-book ratio of 0.85. In FY26 its standalone net profit was ₹326 crore on net interest income of ₹2,593 crore; in Q2 FY27 (July–September 2026) it was ₹170 crore, up 127.1% year on year. Gross NPAs were 2.34% of advances on 30 September 2026. Promoters held 16.87% of the shares on 30 September 2026.

Share price used
₹394.20 · previous close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Jana Small Finance Bank at a glance · consolidated

Market cap
₹4,171 Crat ₹394.20 · previous close
PE ratio (last 4 quarters)
8.812.8 on FY26 profit
Price to book (PB)
0.85book value ₹465.00 a share
ROE (FY26)
7.6%−5.4 pts vs FY25
Gross NPA
2.34%2.87% in Q2 FY26net NPA 1.17% · Q2 FY27
Promoter holding
16.87%−0.1 pts vs 30 Jun 202630 September 2026
Net worth
₹4,921 Cr+14.0% vs 30 Sep 202530 September 2026
CET1 ratio
18.23%30 September 2026
EPS (FY26)
₹31.02

Questions

What is the Jana Small Finance Bank PE ratio today?

Jana Small Finance Bank's PE ratio is 8.8 at the previous close (₹394.20 a share): a market capitalisation of ₹4,171 crore divided by consolidated net profit of ₹475 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹326 crore) it is 12.8.

What is the Jana Small Finance Bank net worth?

Jana Small Finance Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹4,921 crore on 30 September 2026, up 14.0% from ₹4,314 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹4,171 crore at the previous close.

What is the Jana Small Finance Bank book value per share?

Jana Small Finance Bank's book value per share was ₹465.00 on 30 September 2026: shareholders' equity of ₹4,921 crore divided by the 10.58 crore shares in issue, up 13.4% from ₹409.97 a year earlier. The share price at the previous close was ₹394.20.

What is the Jana Small Finance Bank PB ratio (price to book value)?

Jana Small Finance Bank's price-to-book (PB) ratio is 0.85 at the previous close: a market capitalisation of ₹4,171 crore divided by shareholders' equity (book value) of ₹4,921 crore on 30 September 2026. That is a book value of ₹465.00 per share against a share price of ₹394.20.

What are the Jana Small Finance Bank deposits and advances?

On 30 September 2026, Jana Small Finance Bank's deposits were ₹38,221 crore, up 17.5% from a year earlier, and its advances (loans) were ₹35,445 crore, up 19.2% from a year earlier.

What is the Jana Small Finance Bank promoter holding?

Promoters held 16.87% of Jana Small Finance Bank on 30 September 2026, down 0.07 percentage points from 16.94% the previous quarter and down 5.00 percentage points from 21.87% a year earlier, according to the shareholding pattern filed with NSE.

What is the Jana Small Finance Bank market cap?

Jana Small Finance Bank's market capitalisation was ₹4,171 crore at the previous close: 10.58 crore shares at ₹394.20 each.

What is the Jana Small Finance Bank ROE?

In FY26, Jana Small Finance Bank's return on equity (ROE) was 7.6%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 13.0%.

What is the Jana Small Finance Bank EPS?

Jana Small Finance Bank's basic earnings per share (EPS) were ₹31.02 in FY26, against ₹47.89 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹45.06.

What is the Jana Small Finance Bank NPA?

Jana Small Finance Bank's gross non-performing assets (NPAs) were ₹839 crore, 2.34% of gross advances, on 30 September 2026 (2.87% a year earlier). Net NPAs were 1.17% of net advances (0.94% a year earlier).

What is the Jana Small Finance Bank CD ratio (credit-deposit ratio)?

Jana Small Finance Bank's credit-deposit ratio was 92.7% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What is the Jana Small Finance Bank capital adequacy ratio?

Jana Small Finance Bank's common equity tier 1 (CET1) ratio was 18.23% on 30 September 2026.

What is the Jana Small Finance Bank shareholding pattern?

On 30 September 2026, Jana Small Finance Bank's shares were held by promoters 16.87%, foreign portfolio investors (FII/FPI) 5.10%, domestic institutions (DII) 16.29% (including mutual funds at 2.36%) and retail and other non-institutional investors 61.74%. Over the year, FII holding was up 3.89 percentage points from 1.21% and DII holding was up 1.48 percentage points from 14.81%.

What are the Jana Small Finance Bank latest quarterly results?

Jana Small Finance Bank's latest results are for Q2 FY27 (July–September 2026), filed on 23 October 2026: standalone net profit ₹170 crore, up 127.1% from ₹75 crore in Q2 FY26; net interest income ₹819 crore, up 32.3% year on year.

What is the Jana Small Finance Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Jana Small Finance Bank's standalone net profit was ₹326 crore, down 34.9% from ₹501 crore in FY25, on net interest income of ₹2,593 crore (up 8.4%). Over three years, from FY23, net profit was up 27.5%.

When are the Jana Small Finance Bank next results?

Jana Small Finance Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does Jana Small Finance Bank compare with its peers?

On FY26 consolidated figures, against Ujjivan Small Finance Bank, Equitas Small Finance Bank and AU Small Finance Bank: Jana Small Finance Bank's return on equity of 7.6% is the third highest of the four (Ujjivan Small Finance Bank 10.7%, Equitas Small Finance Bank 1.7%, AU Small Finance Bank 14.2%; peer average 8.9%); its return on assets of 0.76% is the third highest of the four (Ujjivan Small Finance Bank 1.32%, Equitas Small Finance Bank 0.18%, AU Small Finance Bank 1.51%; peer average 1.00%); its gross NPA ratio of 2.46% is the second highest of the four (Ujjivan Small Finance Bank 2.26%, Equitas Small Finance Bank 2.60%, AU Small Finance Bank 2.03%; peer average 2.30%).

Jana Small Finance Bank vs Ujjivan Small Finance Bank: how do they compare?

In FY26, Jana Small Finance Bank earned net profit of ₹326 crore, against ₹693 crore for Ujjivan Small Finance Bank. Jana Small Finance Bank's return on equity was 7.6% (Ujjivan Small Finance Bank 10.7%) and its gross NPA ratio 2.46% (Ujjivan Small Finance Bank 2.26%).

Where do these Jana Small Finance Bank figures come from?

From Jana Small Finance Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.