About
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was founded in 1999 and is headquartered in Bengaluru, India.
Key Metrics
as of Sep 2026Market Cap5,659 Cr
P/E14.90
Div Yield0.00 %
Book Value₹421.00
52w High₹607.00
52w Low₹330.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 854.00 | 861.00 | 899.00 | 791.00 | 750.00 | 696.00 | 665.00 | 681.00 | 639.00 | 604.00 | 553.00 | 566.00 | 560.00 |
| Other Income | 227.00 | 266.00 | 245.00 | 247.00 | 266.00 | 234.00 | 177.00 | 176.00 | 189.00 | 179.00 | 140.00 | 164.00 | 188.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 732.00 | 709.00 | 709.00 | 686.00 | 655.00 | 602.00 | 585.00 | 572.00 | 557.00 | 520.00 | 490.00 | 453.00 | 423.00 |
| Profit before tax | 155.00 | 140.00 | 10.00 | 75.00 | 102.00 | 120.00 | 105.00 | 88.00 | 160.00 | 166.00 | 135.00 | 123.00 | 90.00 |
| Tax % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -3.00 | -5.00 | -9.00 | -7.00 | -93.00 | 0.00 | 0.00 | 0.00 |
| Net Profit | 155.00 | 140.00 | 10.00 | 75.00 | 102.00 | 123.00 | 111.00 | 97.00 | 171.00 | 322.00 | 135.00 | 123.00 | 90.00 |
| EPS in Rs | 14.74 | 13.28 | 0.92 | 7.13 | 9.69 | 11.75 | 10.56 | 9.25 | 16.31 | 30.76 | 26.54 | 24.22 | 17.81 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Expenses | 3,289.00 | 2,635.00 | 2,222.00 | 1,960.00 | 1,627.00 | 1,331.00 | 1,322.00 | 2,399.00 | 2,844.00 |
| Other Income | 1,022.00 | 776.00 | 670.00 | 625.00 | 324.00 | 235.00 | 433.00 | 113.00 | 42.00 |
| Interest | 2,760.00 | 2,317.00 | 1,886.00 | 1,415.00 | 1,337.00 | 1,235.00 | 980.00 | 814.00 | 1,164.00 |
| Depreciation | 0.00 | 61.00 | 62.00 | 69.00 | 81.00 | 83.00 | 93.00 | 99.00 | 0.00 |
| Profit before tax | 326.00 | 474.00 | 514.00 | 256.00 | 5.00 | 84.00 | 30.00 | -1,949.00 | -2,411.00 |
| Tax % | 0.00 | -6.00 | -30.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.00 |
| Net Profit | 326.00 | 501.00 | 670.00 | 256.00 | 5.00 | 84.00 | 30.00 | -1,949.00 | -2,504.00 |
| EPS in Rs | 30.99 | 47.73 | 64.02 | 50.46 | 1.07 | 16.62 | 5.94 | -413.32 | -637.29 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 105.00 | 105.00 | 105.00 | 55.00 | 51.00 | 51.00 | 51.00 | 47.00 | 39.00 |
| Reserves | 4,328.00 | 4,013.00 | 3,473.00 | 1,472.00 | 999.00 | 926.00 | 843.00 | 476.00 | 1,490.00 |
| Other Liabilities | 1,733.00 | 1,359.00 | 1,350.00 | 1,235.00 | 938.00 | 763.00 | 550.00 | 487.00 | 558.00 |
| Total Liabilities | 47,448.00 | 38,464.00 | 32,710.00 | 25,644.00 | 20,189.00 | 19,091.00 | 14,145.00 | 9,446.00 | 9,749.00 |
| Fixed Assets | 199.00 | 150.00 | 139.00 | 123.00 | 170.00 | 211.00 | 259.00 | 332.00 | 385.00 |
| CWIP | 0.00 | 3.00 | 3.00 | 5.00 | 1.00 | 1.00 | 1.00 | 2.00 | 0.00 |
| Investments | 9,812.00 | 5,945.00 | 6,738.00 | 5,221.00 | 5,065.00 | 4,698.00 | 2,650.00 | 1,468.00 | 1,997.00 |
| Other Assets | 37,437.00 | 32,366.00 | 25,831.00 | 20,295.00 | 14,952.00 | 14,181.00 | 11,234.00 | 7,644.00 | 7,367.00 |
| Total Assets | 47,448.00 | 38,464.00 | 32,710.00 | 25,644.00 | 20,189.00 | 19,091.00 | 14,145.00 | 9,446.00 | 9,749.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 594.00 | 4,073.00 | 708.00 | -1,137.00 | 859.00 | 615.00 | 949.00 | 2,771.00 |
| Cash from Investing Activity | -4,133.00 | -321.00 | -780.00 | -434.00 | -1,330.00 | -1,266.00 | -285.00 | -231.00 |
| Cash from Financing Activity | 1,641.00 | -1,331.00 | 33.00 | 2,104.00 | -240.00 | 1,917.00 | -852.00 | -2,489.00 |
| Net Cash Flow | -1,898.00 | 2,421.00 | -39.00 | 532.00 | -711.00 | 1,266.00 | -188.00 | 51.00 |
| Free Cash Flow | 472.00 | 4,001.00 | 631.00 | -1,163.00 | 818.00 | 573.00 | 928.00 | 2,717.00 |
| CFO/OP % | 29.00 | 197.00 | 40.00 | -101.00 | 78.00 | 53.00 | 140.00 | -241.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|
Corporate Actions
1 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Other | 11 Jun 2024 | — | — | — | Annual General Meeting |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update9 Jul from care
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Rating update30 Jun from fitch
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Rating update17 Feb from care
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Rating update9 Oct 2025 from fitch
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Rating update7 Oct 2025 from fitch
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Rating update13 Mar 2025 from icra