Jana Small Finance Bank announced Q1FY26 results The Company has filed its application for Universal Bank with RBI during the quarter. Asset AUM stands at Rs 29,930 crore, growing by 16% YoY with 71% share of secured assets. Secured assets grows by 36% YoY and Unsecured de-growth is 12% YoY. Total Deposits stands at Rs 29,426 crore. Deposits growth of 24% YoY. CASA grow by 8% YoY; TD growth of 28% YoY. Credit to Deposit ratio improves to 94.6% in Q1FY26 vs 102.1% in Q1FY25. Capital Adequacy improves to 20.5% (including interim profit) with Tier-1 CRAR of 19.4%. Strong liquidity with LCR of 171%. GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.2% (including technical write-off). PAT at Rs 102 crore after providing for accelerated provision of Rs 150 crore in Q1FY26. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said: “ India’s macroeconomic fundamentals remain strong, and the Bank is seeing accelerated opportunities across its core segments—housing finance, rural lending, and MSME financing. These areas continue to benefit from structural tailwinds, and Jana Bank is strategically positioned to serve these segments with increasing scale and efficiency. With the recently announced CRR reduction, repo rate cuts and surging digital adoption, the operating environment is shifting positively and these developments provide the right foundation to strengthen our balance sheet and enhance delivery across underserved segments. With the cost of funds expected to reduce further in the upcoming quarters, the Bank anticipates an improvement in Net Interest Margins (NIMs). As unsecured lending gradually resumes, it is expected to support earnings momentum, alongside a reduction in Gross and Net Non-Performing Assets (NPAs). The combination of macroeconomic support, strong execution and a calibrated risk posture positions Jana Small Finance Bank for sustained and profitable growth in the quarters ahead.” Result PDF