Jana Small Finance Bank Ltd
Jana Small Finance Bank Ltd (JSFB) last reported results for the quarter ended Jun 2026, with sales of ₹1,515 crore and net profit of ₹155 crore. The stock last traded at ₹501, a market capitalisation of ₹5,306 crore, on a P/E of 14.0. Over the past 52 weeks the stock has ranged between ₹330 and ₹607. Figures are as of 6 Oct 2026 and are not real time.
Jana Small Finance Bank Ltd share price and key metrics
- Current price
- ₹501
- Market cap
- ₹5,306 cr
- Stock P/E
- 14.0
- Book value
- ₹424
- ROE
- 7.60%
- ROCE
- 7.45%
- Dividend yield
- 0.00%
- 52w high / low
- 607/330
Metrics as of 6 Oct 2026. Not real time.
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Jana Small Finance Bank Ltd growth and returns
- 10 Years
- %
- 5 Years
- 16%
- 3 Years
- 20%
- TTM
- 18%
- 10 Years
- %
- 5 Years
- 29%
- 3 Years
- 8%
- TTM
- -12%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- %
- 1 Year
- 3%
- 10 Years
- %
- 5 Years
- 14%
- 3 Years
- 14%
- Last Year
- 8%
Jana Small Finance Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹1,515 cr, up 22.1% from ₹1,241 cr a year earlier. Net profit was ₹155 cr, up 52.0% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,166 | 1,177 | 1,184 | 1,241 | 1,305 | 1,374 | 1,445 | 1,515 |
| Expenses | 681 | 665 | 696 | 750 | 791 | 899 | 861 | 854 |
| Operating profit | -87 | -72 | -114 | -164 | -172 | -235 | -126 | -72 |
| OPM % | -7% | -6% | -10% | -13% | -13% | -17% | -9% | -5% |
| Other income | 176 | 177 | 234 | 266 | 247 | 245 | 266 | 227 |
| Interest | 572 | 585 | 602 | 655 | 686 | 709 | 709 | 732 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 88 | 105 | 120 | 102 | 75 | 10 | 140 | 155 |
| Tax % | -9% | -5% | -3% | 0% | 0% | 0% | 0% | 0% |
| Net profit | 97 | 111 | 123 | 102 | 75 | 10 | 140 | 155 |
| EPS (₹) | 9.25 | 10.56 | 11.75 | 9.69 | 7.13 | 0.92 | 13.28 | 14.74 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Jana Small Finance Bank Ltd annual results
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,555 | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,014 | 4,671 | 5,353 | 5,637 |
| Operating profit | -2,453 | -1,963 | -311 | -68 | -238 | -300 | -94 | -242 | -620 | -605 |
| OPM % | -158% | -157% | -16% | -3% | -9% | -10% | -2% | -5% | -12% | -11% |
| Net profit | -2,504 | -1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 326 | 380 |
| EPS (₹) | -637.29 | -413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 | 36.07 |
TTM is the trailing twelve months to the most recent quarter.
Jana Small Finance Bank Ltd balance sheet
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 39 | 47 | 51 | 51 | 51 | 55 | 105 | 105 | 105 |
| Reserves | 1,490 | 476 | 843 | 926 | 999 | 1,472 | 3,473 | 4,013 | 4,365 |
| Borrowings | 7,662 | 4,236 | 3,049 | 4,965 | 4,660 | 6,547 | 5,211 | 3,867 | 5,497 |
| Deposits | 0 | 4,199 | 9,652 | 12,386 | 13,540 | 16,334 | 22,571 | 29,120 | 35,784 |
| Other liabilities | 558 | 487 | 550 | 763 | 938 | 1,235 | 1,350 | 1,362 | 1,696 |
| Total liabilities | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,467 | 47,448 |
| Fixed assets | 385 | 332 | 259 | 211 | 170 | 123 | 139 | 150 | 191 |
| CWIP | 0 | 2 | 1 | 1 | 1 | 5 | 3 | 3 | 8 |
| Investments | 1,997 | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | 6,738 | 5,945 | 9,812 |
| Other assets | 7,367 | 7,644 | 11,234 | 14,181 | 14,952 | 20,295 | 25,831 | 32,369 | 37,437 |
| Total assets | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,467 | 47,448 |
As reported by the company. Total assets equal total liabilities by construction.
Jana Small Finance Bank Ltd cash flow
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,771 | 949 | 615 | 859 | -1,137 | 708 | 4,073 | 594 |
| Cash from investing | -231 | -285 | -1,266 | -1,330 | -434 | -780 | -321 | -4,133 |
| Cash from financing | -2,489 | -852 | 1,917 | -240 | 2,104 | 33 | -1,331 | 1,641 |
| Net cash flow | 51 | -188 | 1,266 | -711 | 532 | -39 | 2,421 | -1,898 |
| Free cash flow | 2,717 | 928 | 573 | 818 | -1,163 | 631 | 4,001 | 472 |
| CFO / operating profit | -241% | 140% | 53% | 78% | -101% | 40% | 197% | 28% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Jana Small Finance Bank Ltd operating ratios
| Per year | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -164% | -189% | 5% | 10% | 1% | 20% | 26% | 13% | 8% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Jana Small Finance Bank Ltd shareholding pattern
Promoters held 16.94% at Jun 2026, down from 21.88% at Jun 2025. FIIs 4.01% and DIIs 15.31%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 22.38% | 22.35% | 22.28% | 21.88% | 21.87% | 21.86% | 21.85% | 16.94% |
| FIIs | 1.09% | 0.51% | 0.89% | 0.28% | 1.21% | 4.11% | 4.31% | 4.01% |
| DIIs | 17.99% | 18.47% | 15.89% | 16.03% | 14.81% | 12.92% | 14.29% | 15.31% |
| Government | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.98% | 1.98% | 1.03% |
| Public | 58.53% | 58.67% | 60.94% | 61.81% | 62.12% | 59.14% | 57.57% | 62.69% |
| No. of shareholders | 51,033 | 52,297 | 52,412 | 53,351 | 51,129 | 51,546 | 50,785 | 49,932 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Jana Small Finance Bank Ltd corporate filings
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Company Updatelow impact
Cruxal's analysis: Please find attached intimation
Read the full analysis - Voting results confirm approval of key resolutions at Jana Small Finance Bank AGM held on 29th September 2026AGM/EGMlow impact
Cruxal's analysis: Jana Small Finance Bank reported that all resolutions proposed at its 29th September 2026…
Read the full analysis - Shareholder Meeting / Postal Ballot-Outcome of AGMAGM/EGMmedium impact
- Jana Small Finance Bank announces leadership transition in Internal Audit departmentCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank Limited has announced a change in its Senior Management Personnel…
Read the full analysis - Jana Small Finance Bank issues clarification regarding market rumorsOtherslow impact
Cruxal's analysis: Jana Small Finance Bank has submitted a formal intimation under Regulation 30(11) of the…
Read the full analysis - Closure of Trading WindowInsider Trading / SASTlow impact
Cruxal's analysis: Please find attached intimation regarding closure of trading window.
Read the full analysis - Jana Small Finance Bank Ltd announces allotment of equity shares under ESOPCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank Ltd has filed an intimation regarding the allotment of equity…
Read the full analysis - Jana Small Finance Bank announces RBI-approved re-appointment of Executive Director K S RamanCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank has received regulatory approval from the RBI for the…
Read the full analysis - Jana Small Finance Bank Announces Resignation of Company Secretary and Compliance OfficerCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank Limited has formally disclosed the resignation of Ms. Lakshmi RN…
Read the full analysis - Jana Small Finance Bank files Business Responsibility and Sustainability Report (BRSR)Otherslow impact
Cruxal's analysis: Jana Small Finance Bank has submitted its Business Responsibility and Sustainability…
Read the full analysis - Jana Small Finance Bank Ltd releases Annual Report for FY 2025-26Otherslow impact
Cruxal's analysis: Jana Small Finance Bank has filed its Annual Report for the financial year 2025-26. The…
Read the full analysis - Jana Small Finance Bank Announces 20th AGM and Proposes Remuneration Revisions for Key Management PersonnelAGM/EGMlow impact
Cruxal's analysis: Jana Small Finance Bank has issued a notice for its 20th Annual General Meeting scheduled…
Read the full analysis - Jana Small Finance Bank inaugurates 828th branch in MangaloreCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank has expanded its physical footprint by inaugurating its 828th…
Read the full analysis - Jana Small Finance Bank clarifies on market rumours under Regulation 30(11)Otherslow impact
Cruxal's analysis: Jana Small Finance Bank has submitted a response to the stock exchange regarding market…
Read the full analysis - Jana Small Finance Bank announces allotment of equity shares under ESOP schemeCompany Updatelow impact
Cruxal's analysis: Jana Small Finance Bank has announced the allotment of equity shares pursuant to the…
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