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  2. SECTOR : BANKING AND FINANCE
  3. INDUSTRY : MICROFINANCE INSTITUTIONS
  4. JANA SMALL FINANCE BANK LTD.
Jana Small Finance Bank Ltd.
NSE: JSFB | BSE: 544118
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505.005.55(1.11%)
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NSE 14 Oct, 2026 9:46 AM (IST)

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Board Meeting
The next board meeting for Jana Small Finance is on 23 Oct 2026 for the purpose of Quarterly ResultsSee details

Jana Small Finance quarterly and annual financials: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Jana Small Finance share price target, revenues, EPS, net income and more

Jana Small Finance quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Jana Small Finance Jun-2026 Quarterly Revenue is Rs 1,741 Cr which is growth of 14.9% YoY.

  • POSITIVE

    Quarterly Net Profit Jana Small Finance Jun-2026 Quarterly Net Profit is Rs 155 Cr which is growth of 52.3% YoY.

Jana Small Finance Bank Ltd., Quarterly, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
⌄
1,741.41,710.21,628.91,552.31,516.21,433.21,354.81,341.61,356.11,290.91,177.51,142.61,073
Operating Exp.
676.2666.5633587563537.9490.9470.8443429392.7406.2376.9
Operating Profit
333.2334.7286.5279298.1292.9279.1298.7355.8341.9295.3283.1273
Operating Profit Margin %
22.00%23.17%20.70%21.38%23.85%24.42%23.70%25.61%30.49%30.77%28.45%28.92%30.85%
Depr.
Interest
732.1709709.4686.3655.1602.4584.8572.1557.3520.1489.5453.3423
Profit Before Tax
155.2139.89.775101.9119.8105.388.4160.1166.5134.6122.990.4
Tax
-3.6-5.3-8.3-10.4
Net Profit
155.2139.89.775101.9123.5110.796.7170.6321.7134.6122.990.4
EPS Adj. latest
14.713.20.97.19.611.710.59.116.130.412.711.68.5
Net profit TTM
379.7326.4310.1411.1432.8501.4699.6723.6749.7669.5428.9413.6301.2
Basic EPS TTM
36.13129.539.141.247.766.869.271.76458.256.328.8
Earnings Transcripts
  
AI Summary
    
  
Results PDF
 
  
Result Notes
Notes
Notes
Notes
Notes
Notes
 
Notes
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Notes
  
*All financials are in INR Cr and price data in INR
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Jana Small Finance competitor comparison and performance snapshot within industry

Jana Small Finance revenue mix: sales, profit, and capital employed breakups by segment

Jana Small Finance annual results: revenue, profit, P&L, and margins as of Mar 2026 – 11 year history

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  • POSITIVE

    Annual Revenue Jana Small Finance Mar-2026 Annual Revenue is Rs 6,375 Cr which is growth of 16.2% YoY.

  • NEGATIVE

    Annual Net Profit Jana Small Finance Mar-2026 Annual Net Profit is Rs 326 Cr which is growth of -34.9% YoY.

Jana Small Finance Bank Ltd., Annual, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
19.9%
18.6%
6,632.76,374.85,485.74,684.13,699.93,062.42,720.72,424.81,368.31,597.12,978.410,707.3
Operating Exp. Ann.
24%
18.5%
2,562.62,449.41,942.61,604.81,284.51,138.81,047.31,164.11,131.21,455.31,189.4
Operating Profit Ann.
5.2%
21.6%
1,233.41,165.71,226.41,193.31,000.4586.8438.9280.5-576.6-1,022.1557.36,176.7
OPM Ann. %
-12.2%
2.5%
 18.29%22.36%25.48%27.04%19.16%16.13%11.57%-42.14%-64.00%18.71%57.69%
⌄
20.7%
18%
 6,048.34,984.24,014.53,443.93,044.92,648.52,394.63,317.34,100.82,573.29,278
EBITDA Ann.
2.9%
17.5%
 1,165.71,286.91,255.21,069.1667.6521.5373.1-477.2-938.2619.26,388.7
EBITDA Ann. margin %
-14.1%
-0.9%
 18.29%23.46%26.80%28.89%21.80%19.17%15.39%-34.87%-58.75%20.79%59.67%
Interest Ann.
24.9%
17.5%
2,836.72,759.72,316.71,885.91,4151,336.81,234.6980.2813.61,163.91,231.74,530.6
Depr.
-9.1%
-8.1%
 60.661.968.780.882.792.599.48461.9212.1
PBT Ann.
8.4%
35.2%
379.7326.4473.7514.425617.572.330.1-1,949.1-2,411.1255.21,429.2
Tax Ann.
-
-
 -27.7-155.292.785.1467.5
⌄
8.4%
35.2%
 326.4501.4669.525617.572.330.1-1,949.1-2,503.8170.1961.7
Net Profit Ann.
8.4%
35.2%
379.7326.4501.4669.525617.572.330.1-1,949.1-2,503.8170.1961.7
NPM Ann. %
-9.9%
16.1%
 6.09%10.64%16.68%8.32%0.64%2.89%1.51%-155.85%-161.03%6.02%
EPS Adj. latest Ann.
8.5%
35.4%
 30.947.463.324.21.76.82.9-184.2-236.616.190.9
Result Notes
 
Notes
 
Notes
        
Annual Reports
          
*All financials are in INR Cr and price data in INR
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Total Rev. Ann.
1Y CHG
16.2%
2Y CAGR
16.7%
3Y CAGR
19.9%
5Y CAGR
18.6%
7Y CAGR
24.6%
10Y CAGR
-5.1%
Total Revenue Annual growth is lower than historical averages.
Net Profit Ann.
1Y CHG
-34.9%
2Y CAGR
-30.2%
3Y CAGR
8.4%
5Y CAGR
35.2%
10Y CAGR
-10.2%
Net Profit Annual is falling faster than historical averages.
Operating Exp. Ann.
1Y CHG
26.1%
2Y CAGR
23.5%
3Y CAGR
24%
5Y CAGR
18.5%
7Y CAGR
11.7%
Operating Expenses Annual Cr growth is higher than historical averages.

Jana Small Finance balance sheet as of Mar 2026: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Jana Small Finance Mar-2025 Total Shareholders Fund is Rs 4,470 Cr which is growth of 8.5% YoY.

  • POSITIVE

    Total Assets Jana Small Finance Mar-2025 Total Assets is Rs 47,448 Cr which is growth of 23.4% YoY.

Jana Small Finance Bank Ltd., Balance Sheet, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
35.5%
32%
4,470.24,118.43,577.11,797.31,200.71,114.81,043.5673.71,528.82,396.77,370.6
Minority Interest Liability Ann.
-
-
-----------
⌄
-
-
-35,908.635,908.66,56333,643.2
⌄
11.2%
15.3%
1,696.31,358.71,3501,235941.7832.3552.9487.5557.96,093.127,512
Total Capital Plus Liabilities Ann.
22.8%
20%
47,447.738,463.632,709.825,643.720,188.719,078.714,147.19,446.39,748.815,052.868,525.7
⌄
15.8%
-1.3%
198.7153.2141.6127.8171.7212.1260334.5384.7230.1675.8
⌄
-
-
-24,246.924,246.95,184.328,001.6
⌄
22.6%
21.4%
37,43732,365.925,830.520,294.714,951.814,168.811,237.17,643.77,366.716,089.711,246.3
Total Assets Ann.
22.8%
20%
47,447.738,463.632,709.825,643.720,188.719,078.714,147.19,446.39,748.815,052.868,525.7
Contingent Liabilities plus Commitments Ann.
-
-
-210263.577.241.747.537.251.651.2
Bonus Equity Share Capital Ann.
-
-
-
Non Current Investments Unquoted Book Value Ann.
-
-
----0.10.6
Current Investments Unquoted Book Value Ann.
-
-
----347.5
*All financials are in INR Cr and price data in INR
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Total Assets Ann.
1Y CHG
23.4%
2Y CAGR
20.4%
3Y CAGR
22.8%
5Y CAGR
20%
7Y CAGR
25.9%
10Y CAGR
-3.6%
Total Assets Annual growth is stable compared to historical averages.
Total Current Liabilities Ann.
1Y CHG
24.8%
2Y CAGR
12.1%
3Y CAGR
11.2%
5Y CAGR
15.3%
7Y CAGR
19.5%
10Y CAGR
-24.3%
Total Current Liabilities Annual Cr growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
8.5%
2Y CAGR
11.8%
3Y CAGR
35.5%
5Y CAGR
32%
7Y CAGR
31%
10Y CAGR
-4.9%
Total ShareHolders Funds Annual growth is lower than historical averages.

Jana Small Finance ROE, ROCE, book value, and debt-to-equity ratio as of Mar 2026 – 11 year history

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  • POSITIVE

    Book Value Per Share Jana Small Finance Mar-2025 Book Value Per Share is 424 Rs which is growth of 8.3% YoY.

  • POSITIVE

    ROE Jana Small Finance Mar-2025 ROE is 7% which is growth of 4.9% YoY.

Jana Small Finance Bank Ltd., Ratios, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
BVSH Ann.
15.2%
17.4%
424.4392342277.8204.4190.2176.2111389.1872.8
RoA Ann. %
-11.8%
12.9%
0.68%1.30%2.04%0.99%0.08%0.37%0.21%-20.63%-25.68%1.14%
ROE Ann. %
-24.2%
-0.5%
7.30%12.17%18.71%16.76%1.66%7.48%3.37%-372.20%-163.77%7.09%
ROCE Ann. %
-4.7%
-1.3%
8.58%9.55%9.82%9.90%9.99%9.17%9.27%2.65%1.54%19.97%26.11%
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Total Debt to Total Equity Ann.
-33.6%
-24.8%
1.20.91.54.14.353.27.854.9 
*All financials are in INR Cr and price data in INR
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ROE Ann. %
1Y CHG
-40%
2Y CAGR
-37.5%
3Y CAGR
-24.2%
5Y CAGR
-0.5%
ROE Annual % is falling faster than historical averages.
RoA Ann. %
1Y CHG
-47.7%
2Y CAGR
-42.3%
3Y CAGR
-11.8%
5Y CAGR
12.9%
RoA Annual % is falling faster than historical averages.

Jana Small Finance cash flow: net, operating, investing, and financing flows as of Mar 2026 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Jana Small Finance Mar-2026 Cash From Operating Activity is Rs 594 Cr which is growth of -85.4% YoY.

  • NEGATIVE

    Net Cash Flow Jana Small Finance Mar-2026 Net Cash Flow is Rs -1,898 Cr which is growth of -178.4% YoY.

Jana Small Finance Bank Ltd., Cash Flow, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
-
-0.7%
593.64,073.3706.9-1,137.2858.6615.3948.72,771.31,456.7-2,416.1-29,806.3
Cash from Investing Act. Ann.
-
-
-4,132.7-321-780.1-434.5-1,330.4-1,265.7-285.3-231-256.3-411.8-92.6
Cash from Financing Act. Ann.
-8%
-3.1%
1,640.5-1,331.433.52,103.6-239.51,916.6-851.7-2,488.9-2,374.83,097.434,507.7
⌄
-
-
-1,898.52,420.8-39.7532-711.31,266.2-188.351.4-1,174.4269.54,608.8
*All financials are in INR Cr and price data in INR
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Cash from Operating Act. Ann.
1Y CHG
-85.4%
2Y CAGR
-8.4%
5Y CAGR
-0.7%
7Y CAGR
-19.8%
Cash from Operating Activity Annual is falling faster than historical averages.
Cash from Financing Act. Ann.
2Y CAGR
599.8%
3Y CAGR
-8%
5Y CAGR
-3.1%
10Y CAGR
-26.3%
Cash from Financing Annual Activity growth is higher than historical averages.

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