Jana Small Finance Bank announced Q2FY26 results Asset GLP stands at Rs 31,655 crore, growing by 20% YoY with 73% share of secured assets. Secured assets grows by 34% YoY and Unsecured de-growth is 7% YoY Total Deposits stands at Rs 32,532 crore Deposits growth of 31% YoY CASA grows by 20% YoY; TD growth of 34% YoY Credit to Deposit ratio improves to 91.4% in Q2FY26 vs 100.2% in Q2FY25 Capital Adequacy ratio at 19.7% with Tier-1 CRAR of 18.8% Strong liquidity with LCR of 170% GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.0% (including technical write-off) PAT of Rs 177 crore for H1 FY26 and Rs 75 crore for Q2FY26 after providing for accelerated provision of Rs 222 crore in H1 FY26 Ajay Kanwal, MD and CEO, Jana Small Finance Bank said “ The first half of FY26 reflects strong business momentum for the Bank, with healthy growth in both deposits and advances. Our focus on building a granular and diversified balance sheet continues to yield results, supported by the trust of our customers and disciplined execution by our teams. While challenges in MFI sector is on decline, our strategy to move towards having 95% of our portfolio either Secured book or covered under a Guarantee program will start paying off from next year onwards. This strategic shift will lead to a reduction in credit costs over the coming financial years. Overall profitability for the period was relatively softer due to the need to provide for accelerated provision in order to meet <1% NNPA criteria. With the cost of funds further expected to decline in the coming quarters, we anticipate an improvement in Net Interest Margins (NIMs). The calibrated resumption of unsecured lending, along with continued moderation in Gross and Net NPAs, is expected to further support earnings momentum. Backed by favourable macroeconomic conditions, prudent risk management, and operational strength, Jana Small Finance Bank is well positioned for sustained and profitable growth in the periods ahead.” Result PDF