| Annual Financials | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 1,597 | 1,368 | 2,425 | 2,733 | 3,050 | 3,700 | 4,684 | 5,486 | 5,646 |
| Expenses | 2,760 | 2,404 | 1,322 | 1,331 | 1,627 | 1,960 | 2,222 | 2,635 | 2,816 |
| EBITDA | -2,327 | -1,850 | 123 | 167 | 86 | 325 | 576 | 534 | 415 |
| Operating Profit % | -78 % | -92 % | 34 % | 47 % | 40 % | 36 % | 45 % | 44 % | 41 % |
| Depreciation | 84 | 99 | 93 | 83 | 81 | 69 | 62 | 61 | 0 |
| Interest | 1,164 | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 | 2,317 | 2,414 |
| Profit Before Tax | -2,411 | -1,949 | 30 | 84 | 5 | 256 | 514 | 474 | 415 |
| Tax | 93 | 0 | 0 | 0 | 0 | 0 | -155 | -28 | -17 |
| Net Profit | -2,504 | -1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 433 |
| EPS in ₹ | -787.88 | -471.84 | 6.21 | 16.62 | 1.06 | 47.47 | 90.85 | 47.89 | 41.30 |
Jana Small Finance Bank
Jana Small Finance Bank
485.75
+7.45
(1.56%)
Market Cap
5,111.40 Cr
EPS
47.89
PE Ratio
11.81
Dividend Yield
0.00 %
Industry
Banks52 Week High
577.10
52 Week Low
363.80
PB Ratio
1.24
Debt to Equity
0.00
Sector
Small Finance Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from2 analysts
Company News
View All News
Jana Small Finance Bank Limited has appointed Sudhir Madhavan as President & Head Strategic Alliance, effective September 25, 2025. Madhavan previously worked with Jana Small Finance Bank from December 10, 2018 to April 30, 2025, before joining Kinara Capital in April 2025. He has now rejoined the bank in his new role. Madhavan brings over 20 years of experience in retail banking, MSME, consumer portfolio management and collections. His previous experience includes positions at Bajaj Finance Limited, ABN Amro and HDFC Bank.
Jana and Ujjivan Small Finance Banks May Avoid Promoter Ring-Fencing for Universal Banking License
Sep 03, 2025
Sep 03, 2025Jana Small Finance Bank and Ujjivan Small Finance Bank may not need to ring-fence promoters when transitioning to universal banks, unlike AU Small Finance Bank which was directed by RBI to set up a holding company and transfer promoter shares. Jana already operates through a listed holding company structure, while Ujjivan became fully publicly held with zero promoter ownership after reverse-merging its holding company last year. AU Small Finance Bank received in-principle approval with conditions, as promoter Sanjay Agarwal and associates hold 22.85% stake. Jana applied for universal banking license in June, Ujjivan in February, and AU SFB in September 2024. The transition would reduce capital adequacy requirements from 15% to 11.5%, lower priority sector lending targets from 60% to 40%, and remove the requirement for 50% of loans to be under ₹25 lakh.
Jana Small Finance Bank Limited appointed Mr. Rakesh Joshi as an Additional Director (Independent Director) effective August 27, 2025, for a five-year term. Joshi brings over 41 years of experience in banking, financial services, and insurance sectors, including roles in wholesale banking, retail banking, investment banking, and insurance. He previously served as Whole Time Member (Finance and Investments) at the Insurance Regulatory and Development Authority of India (IRDAI) and retired in December 2023. The bank confirmed that Joshi is not related to any existing directors and has not been debarred by regulatory authorities.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
724.55 | #1 54,044.10 | 24.80 | 1,446.00 | 19.10 | #1 761 | #1 15.58 | 52.24 | |
48.23 | 9,342.90 | 17.67 | 7,200.60 | 11.40 | 726 | -65.73 | 57.12 | |
56.85 | 6,483.80 | 43.63 | #1 7,223.20 | 14.93 | 147 | -967.44 | 58.50 | |
485.75 | #4 5,111.40 | #2 11.81 | #3 5,485.70 | #4 17.11 | #3 501 | #3 -40.27 | 54.47 | |
21.77 | 2,398.20 | 99.59 | 4,364.80 | #1 21.96 | 24 | -274.31 | 40.28 | |
155.59 | 1,653.80 | 20.49 | 2,171.00 | 20.07 | 115 | -49.64 | 60.63 | |
29.69 | 1,530.60 | 19.65 | 4,329.30 | 1.62 | -521 | -229.30 | 44.14 | |
283.40 | 1,283.40 | #1 9.62 | 994.50 | 15.32 | 132 | 6.67 | 30.27 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
17.11 %
Net Income Growth
-25.11 %
Cash Flow Change
475.46 %
ROE
-34.94 %
ROCE
-1.23 %
EBITDA Margin (Avg.)
-1.12 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 |
| Fixed Assets | 360 | 332 | 259 | 211 | 171 | 123 | 139 | 150 |
| Current Assets | 1,338 | 1,427 | 1,278 | 2,569 | 1,945 | 2,535 | 2,564 | 5,025 |
| Capital Work in Progress | 25 | 2 | 1 | 1 | 1 | 5 | 3 | 3 |
| Investments | 1,998 | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | 6,738 | 5,945 |
| Other Assets | 7,367 | 7,644 | 11,234 | 14,181 | 14,952 | 20,295 | 25,831 | 32,366 |
| Total Liabilities | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 |
| Current Liabilities | 558 | 488 | 550 | 763 | 938 | 1,235 | 1,350 | 1,359 |
| Non Current Liabilities | 9,191 | 8,959 | 13,594 | 18,328 | 19,251 | 24,409 | 31,360 | 37,105 |
| Total Equity | 1,529 | 674 | 1,044 | 1,127 | 1,201 | 1,797 | 3,577 | 4,118 |
| Reserve & Surplus | 1,490 | 477 | 843 | 926 | 999 | 1,452 | 3,473 | 4,013 |
| Share Capital | 39 | 197 | 201 | 201 | 201 | 325 | 105 | 105 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 51 | -188 | 1,266 | -711 | 532 | -39 | 2,421 |
| Investing Activities | -231 | -285 | -1,266 | -1,330 | -435 | -780 | -321 |
| Operating Activities | 2,771 | 949 | 615 | 859 | -1,137 | 708 | 4,073 |
| Financing Activities | -2,489 | -852 | 1,917 | -240 | 2,104 | 34 | -1,331 |
Share Holding
| % Holding | Mar 2021 | Jul 2023 | Feb 2024 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 42.08 % | 33.76 % | 22.54 % | 22.54 % | 22.54 % | 22.38 % | 22.35 % | 22.28 % | 21.88 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 1.02 % | 1.09 % | 0.51 % | 0.89 % | 0.28 % |
| DIIs | 0.00 % | 0.00 % | 7.12 % | 17.69 % | 17.73 % | 17.99 % | 18.46 % | 15.88 % | 16.03 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 0.00 % | 15.88 % | 16.63 % | 16.49 % | 17.43 % | 19.20 % | 21.00 % | 21.75 % |
| Others | 57.92 % | 66.24 % | 54.47 % | 43.14 % | 42.21 % | 41.11 % | 39.48 % | 39.94 % | 40.07 % |
| No of Share Holders | 43 | 86 | 174 | 72,042 | 49,178 | 51,033 | 52,297 | 52,412 | 53,351 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 17 Oct 2025 |  Quarterly Result Announcement | NA | 17 Oct 2025 | 472.70 | 485.75 |
| 18 Jun 2018 |  Change Of Name | NA | 18 Jun 2018 | 0.00 | 0.00 |
| 19 Jun 2024 |  Annual General Meeting | NA | 19 Jun 2024 | 620.10 | 714.70 |
| 21 Oct 2024 | Quarterly Result Announcement | NA | 21 Oct 2024 | 579.75 | 528.50 |
| 21 Jan 2025 | Quarterly Result Announcement | NA | 21 Jan 2025 | 409.05 | 387.25 |
| 29 Apr 2025 | Quarterly Result Announcement | NA | 29 Apr 2025 | 505.10 | 516.15 |
| 22 Jul 2025 | Quarterly Result Announcement | NA | 22 Jul 2025 | 490.85 | 498.50 |
| 29 Aug 2025 | Annual General Meeting | NA | 29 Aug 2025 | 498.50 | 490.70 |
Announcements
Announcement under Regulation 30 (LODR)-Change in Management7 days ago
7 days agoClosure of Trading Window7 days ago
7 days agoBoard Meeting Intimation for Considering The Financial Results For The Quarter And Half Year Ended 30Th September 20257 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 17, 2025
Sep 17, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 08, 2025
Sep 08, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 29, 2025
Aug 29, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Aug 29, 2025Appointment Of Secretarial AuditorAug 29, 2025
Aug 29, 2025Appointment Of Independent Director (Additional Director)Aug 27, 2025
Aug 27, 2025Receipt Of Order-In-Original Passed By Additional Commissioner Of Central Tax GST Bengaluru East Commissionerate KarnatakaAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 25, 2025
Aug 25, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 16, 2025
Aug 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 06, 2025
Aug 06, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 05, 2025
Aug 05, 2025Reg. 34 (1) Annual Report.Aug 05, 2025
Aug 05, 2025Notice Of 19Th Annual General MeetingAug 05, 2025
Aug 05, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 22, 2025
Jul 22, 2025Board Meeting Outcome for Financial Results For 30-June-2025Jul 22, 2025
Jul 22, 2025Financials Results For 30-June-2025Jul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Jul 16, 2025Board Meeting Intimation for Please Find Attached Board Meeting IntimationJul 14, 2025
Jul 14, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Jul 11, 2025Details Of Company Secretary And Compliance Officer And Registrar And Share Transfer Agent (RTA) Of The BankJul 11, 2025
Jul 11, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 16, 2025
Jun 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 16, 2025
Jun 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 13, 2025
Jun 13, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jun 11, 2025
Jun 11, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jun 11, 2025
Jun 11, 2025Submission Of Application To The Reserve Bank Of India For Voluntary Transition From Small Finance Bank To Universal BankJun 09, 2025
Jun 09, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jun 09, 2025
Jun 09, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 09, 2025
Jun 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 04, 2025
Jun 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 29, 2025
May 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 19, 2025
May 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 16, 2025
May 16, 2025Technical Indicators
RSI(14)
Neutral 58.26
ATR(14)
Volatile 13.56
STOCH(9,6)
Neutral 56.74
STOCH RSI(14)
Neutral 75.24
MACD(12,26)
Bullish 1.55
ADX(14)
Weak Trend 19.47
UO(9)
Bearish 57.13
ROC(12)
Uptrend And Accelerating 3.81
WillR(14)
Overbought -11.19
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