Flash Finance

Jana Small Finance Bank LimitedJSFBBank / NBFC

Banks - Private Sector Latest results: Jun 2026 14 quarters of data
₹490.60
MCap ₹5,192 Cr · P/E 13.7
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹1,515 Cr
Interest Earned · Jun 2026
+21.0% YoY
₹333 Cr
Operating Profit · Jun 2026
₹155 Cr
Net Profit · Jun 2026
+52.2% YoY
₹14.74
EPS · Jun 2026
+52.1% YoY
2.39%
Gross NPA % · Jun 2026
0.91%
Net NPA % · Jun 2026

📝 Jana Small Finance Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Jana Small Finance Bank Limited reported total income of ₹1,741 crore for the quarter ended June 2026 (Q1 FY27), up 14.9% from ₹1,516 crore in the same quarter last year, and up 1.8% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹1,515 crore and other income ₹227 crore. Net interest income (interest earned minus interest expended of ₹732 crore) worked out to ₹782 crore.

Net profit rose 52.2% year-on-year to ₹155 crore, from ₹102 crore. Earnings per share (EPS) came in at ₹14.74.

On asset quality, gross NPA stood at 2.39% and net NPA at 0.91% (gross NPA was 2.91% a year ago); the capital adequacy ratio was 20.18%.

Full year and trailing twelve months

For the full year FY26, Jana Small Finance Bank Limited posted total income of ₹6,398 crore, a growth of 17.0% over FY25, with a net profit of ₹327 crore (down 34.9% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹6,623 crore with a net profit of ₹380 crore.

Valuation snapshot

At the current price of ₹490.60, JSFB has a market capitalisation of ₹5,192 crore and a trailing P/E of about 13.7.

Within the Banks - Private Sector industry, it is the 7th-largest of the 14 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 16.87%, foreign institutional investors (FIIs) 5.10%, domestic institutional investors (DIIs) 16.29%, public shareholders 61.74% of Jana Small Finance Bank Limited.

Promoter holding slipped from 16.94% to 16.87% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹5,192 Cr
Current Price ?
₹490.6
P/E ?
13.65above ind
Industry P/E ?
9.00
P/B ?
1.17
P/S ?
0.78
P/FCF ?
11.00
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
1.71
Earnings Yield ?
7.3%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹6,623 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹380 Cr
EPS (TTM) ?
₹35.93
ROCE ?
N/A
ROE ?
8.6%
ROA ?
0.8%
Gross NPA % ?
2.39%
Net NPA % ?
0.91%
Growth
Total Income — latest qtr ?
₹1,741 Cr
PAT — latest qtr ?
₹155 Cr
YoY qtr sales growth ?
14.9%
YoY qtr profit growth ?
52.2%
Sales growth (3y) ?
20%
Sales growth (5y) ?
16%
Profit growth (3y) ?
8%
Profit growth (5y) ?
29%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
16.87%
Change in promoter holding ?
-5.01%
Pledged percentage ?
N/A
Market
Return 3 months ?
-0.5%
Return 6 months ?
25.3%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 8498859791,0381,1121,1671,1661,1771,1841,2521,3051,3741,4451,515 +21.0% +4.8%
Other Income 161188164140179189176177234264247245266227 -14.0% -14.7%
Total Income 1,0101,0731,1431,1781,2911,3561,3421,3541,4181,5161,5521,6191,7111,741 +14.9% +1.8%
Interest Expended 381423453490520557572585602655686709709732 +11.8% +3.3%
Operating Profit —————————————333 — —
Provisions —————————————178 — —
Profit Before Tax 8190123135166160881051201027510140155 +52.2% +10.9%
Net Profit 8190123135322171971111231027510140155 +52.2% +10.9%
EPS 15.9717.8124.2226.5430.7616.319.2510.5611.759.697.130.9213.2814.74 +52.1% +11.0%
Gross NPA % 3.94% 2.94% 2.44% 2.19% 2.11% 2.62% 2.97% 2.80% 2.71% 2.91% 2.87% 2.59% 2.46% 2.39% — —
Net NPA % 2.64% 1.19% 0.87% 0.71% 0.56% 0.99% 0.99% 0.94% 0.94% 0.94% 0.94% 0.94% 0.92% 0.91% — —
Capital Adequacy Ratio — — — — — — — — — — — — — 20.18% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹4,694 Cr ₹5,376 Cr ₹5,639 Cr +14.5%
Other Income ₹776 Cr ₹1,022 Cr ₹985 Cr +31.7%
Total Income ₹5,470 Cr ₹6,398 Cr ₹6,623 Cr +17.0%
Interest Expended ₹2,316 Cr ₹2,759 Cr ₹2,836 Cr +19.1%
Net Interest Income ₹2,378 Cr ₹2,617 Cr ₹2,802 Cr +10.1%
Operating Profit — — ₹333 Cr —
Provisions — — ₹178 Cr —
Profit Before Tax ₹473 Cr ₹327 Cr ₹380 Cr -30.9%
Tax — — — —
Net Profit ₹502 Cr ₹327 Cr ₹380 Cr -34.9%
EPS ₹47.87 ₹31.02 ₹36.07 -35.2%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 55105105105 +0.0%
Reserves 1,4723,4734,0134,328 +7.8%
Deposits 16,33422,57129,12035,784 +22.9%
Borrowing 6,5475,2113,8675,497 +42.2%
Other Liabilities 1,2351,3501,3591,733 +27.5%
Total Liabilities 25,64432,71038,46447,448 +23.4%
Fixed Assets 123139150199 +32.7%
CWIP 5330 -100.0%
Investments 5,2216,7385,9459,812 +65.0%
Other Assets 20,29525,83132,36637,437 +15.7%
Total Assets 25,64432,71038,46447,448 +23.4%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -1,1377084,073594 -85.4%
Cash from Investing Activity -434-780-321-4,133 -1187.5%
Cash from Financing Activity 2,10433-1,3311,641 +223.3%
Net Cash Flow 532-392,421-1,898 -178.4%
Free Cash Flow -1,1636314,001472 -88.2%
CFO/OP -101%40%197%29% -85.3%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 20%26%13%8% -38.5%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 21.88%21.87%21.86%21.85%16.94%16.87% -0.4%
FIIs 0.28%1.21%4.11%4.31%4.01%5.10% +27.2%
DIIs 16.03%14.81%12.92%14.29%16.35%16.29% -0.4%
Government 0.00%0.00%1.98%1.98%—— —
Public 61.81%62.12%59.14%57.57%62.70%61.74% -1.5%
No. of Shareholders 53,35151,12951,54650,78549,93250,686 +1.5%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was Jana Small Finance Bank Limited's total income in Q1 FY27?
Jana Small Finance Bank Limited reported total income of ₹1,741 crore for the quarter ended June 2026 (Q1 FY27), up 14.9% from ₹1,516 crore in the same quarter last year, and up 1.8% sequentially over the March 2026 quarter.
What was Jana Small Finance Bank Limited's net profit in Q1 FY27?
Net profit rose 52.2% year-on-year to ₹155 crore, from ₹102 crore. Earnings per share (EPS) came in at ₹14.74.
What is JSFB's market capitalisation and P/E ratio?
At the current price of ₹490.60, JSFB has a market capitalisation of ₹5,192 crore and a trailing P/E of about 13.7.
What are Jana Small Finance Bank Limited's NPA levels?
On asset quality, gross NPA stood at 2.39% and net NPA at 0.91% (gross NPA was 2.91% a year ago); the capital adequacy ratio was 20.18%.
Who owns Jana Small Finance Bank Limited? (shareholding pattern)
As of Sep 2026, promoters held 16.87%, foreign institutional investors (FIIs) 5.10%, domestic institutional investors (DIIs) 16.29%, public shareholders 61.74% of Jana Small Finance Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI