Jana Small Finance Bank Q2 FY27: PBT and PAT Rs 170.0 cr; Operating Income Rs 1,047 cr
For Q2 FY27, Jana Small Finance Bank reported Profit Before Tax of Rs 170.00 cr and Profit After Tax of Rs 170.00 cr, up from Rs 75.00 cr a year earlier.
Key takeaways
- Interest Income was Rs 1,587.00 cr in Q2 FY27 versus Rs 1,294.00 cr in Q2 FY26.
- Net Interest Income rose to Rs 819.00 cr in Q2 FY27 from Rs 608.00 cr a year earlier.
- Operating Income increased to Rs 1,047.00 cr in Q2 FY27 from Rs 853.00 cr in Q2 FY26.
- Profit Before Tax was Rs 170.00 cr in Q2 FY27 compared with Rs 75.00 cr in Q2 FY26.
- Profit After Tax was Rs 170.00 cr in Q2 FY27 versus Rs 75.00 cr in Q2 FY26.
Q2 FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 1,047.00 cr | Rs 853.00 cr | +22.7% |
| PAT | Rs 170.00 cr | Rs 75.00 cr | +126.7% |
As reported in the filing. Figures are transcribed, not computed.
• Interest Income (Q2 FY27): Rs 1,587.00 cr; (Q2 FY26): Rs 1,294.00 cr
• Interest Expense (Q2 FY27): Rs 768.00 cr; (Q2 FY26): Rs 686.00 cr
• Net Interest Income (Q2 FY27): Rs 819.00 cr; (Q2 FY26): Rs 608.00 cr
• Other Income (Q2 FY27): Rs 219.00 cr; (Q2 FY26): Rs 213.00 cr
• Bad Debt Recoveries (Q2 FY27): Rs 9.00 cr; (Q2 FY26): Rs 33.00 cr
• Operating Income (Q2 FY27): Rs 1,047.00 cr; (Q2 FY26): Rs 853.00 cr
• Operating Expenses (Q2 FY27): Rs 674.00 cr; (Q2 FY26): Rs 587.00 cr
• Operating Margin (Q2 FY27): Rs 374.00 cr; (Q2 FY26): Rs 266.00 cr
• Provisions and Contingencies (Q2 FY27): Rs 203.00 cr; (Q2 FY26): Rs 191.00 cr
• Profit Before Tax (Q2 FY27): Rs 170.00 cr; (Q2 FY26): Rs 75.00 cr
• Profit After Tax (Q2 FY27): Rs 170.00 cr; (Q2 FY26): Rs 75.00 cr
According to the P&L statement in the investor presentation (statement of financial results on the P&L slide), Jana Small Finance Bank’s Interest Income for the quarter ended 30th September 2026 (Q2 FY27) was Rs 1,587.00 cr, compared with Rs 1,294.00 cr in the corresponding quarter a year earlier (Q2 FY26). Interest Expense rose to Rs 768.00 cr from Rs 686.00 cr over the same period. This resulted in Net Interest Income of Rs 819.00 cr in Q2 FY27 versus Rs 608.00 cr in Q2 FY26.
Other Income for Q2 FY27 was Rs 219.00 cr, slightly higher than Rs 213.00 cr in Q2 FY26. Bad Debt Recoveries were Rs 9.00 cr in Q2 FY27 compared with Rs 33.00 cr in Q2 FY26. Combining Net Interest Income, Other Income and Bad Debt Recoveries, Operating Income came in at Rs 1,047.00 cr for Q2 FY27, up from Rs 853.00 cr in Q2 FY26.
Operating Expenses increased to Rs 674.00 cr in Q2 FY27 from Rs 587.00 cr in Q2 FY26. After Operating Expenses, Operating Margin stood at Rs 374.00 cr in Q2 FY27, compared with Rs 266.00 cr in the year-ago quarter. Provisions and Contingencies were Rs 203.00 cr in Q2 FY27 versus Rs 191.00 cr in Q2 FY26.
After accounting for provisions, Profit Before Tax for Q2 FY27 was Rs 170.00 cr, more than double the Rs 75.00 cr reported in Q2 FY26. Profit After Tax, as presented in the same statement of financial results, was also Rs 170.00 cr for Q2 FY27, compared with Rs 75.00 cr in Q2 FY26.
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