Jana Small Finance Bank

Jana Small Finance Bank

443.60
+5.10
(1.16%)
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Key Fundamentals
Add Ratio
Market Cap
4,667.86 Cr
EPS
47.89
PE Ratio
11.25
Dividend Yield
0.00 %
Industry
Banks
52 Week High
552.50
52 Week Low
363.80
PB Ratio
1.08
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from2 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+50.00 %
+50.00 %
Hold
Hold+50.00 %
+50.00 %
Sell
Sell0.0 %
0.0 %
Forecast For
Actual

Company News

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neutral
Jana Small Finance Bank reported quarterly results with CASA growing 14% year-to-date and term deposits growing 11% year-to-date, crossing ₹30,000 crore milestone at ₹32,532 crore. Cost of deposits decreased to 7.88% in Q2 FY26 from higher levels. The bank's secured assets showed strong growth of 35-40% with notable performance in Affordable Housing (34.4% year-on-year), MSME (27% year-on-year), Gold Loans (17.5% quarter-on-quarter), and Two-Wheelers (12.8% quarter-on-quarter). Unsecured assets stabilized with 0.3% growth after previous declines. The bank raised ₹250 crore in Tier 2 capital, improving CAR by 1.25%. Net Interest Margin stood at 6.6% for Q2, down from 6.7% in Q1. The bank reported PAT of ₹75 crore for Q2 and ₹177 crore for first half. Gross loan portfolio reached ₹31,655 crore with 72.5% secured assets, 13.5% unsecured under guarantee programs, and 14% unsecured outside guarantee programs. The bank has expanded its guarantee program coverage, expecting 96% of unsecured portfolio to be under guarantee by March 2027. Management revised PAT growth guidance to 0-2% for the year while maintaining 20% growth targets for loans and deposits.
neutral
Jana Small Finance Bank has issued a postal ballot notice seeking shareholder approval for the appointment of Mr. Rakesh Joshi as a Non-Executive Independent Director. Joshi, who holds DIN 09766853, was appointed as an Additional Director on August 27, 2025, and the proposed term runs until August 26, 2030. The 63-year-old brings over 41 years of experience in banking, financial services, and insurance, having previously served as Whole Time Member at IRDAI until December 2023. He will receive an annual remuneration of Rs. 10 lakh plus sitting fees of Rs. 60,000 for Board meetings and Rs. 40,000 for committee meetings. The e-voting period is scheduled from October 24 to November 23, 2025, with results to be announced by November 25, 2025. The cut-off date for voting eligibility is October 17, 2025.
positive
Jana Small Finance Bank expects to achieve 35-40% asset growth in FY26, with growth driven by affordable housing, MSME, and gold loan segments. The bank anticipates lower credit costs and strengthened capital position during this period.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
871.45
#1 65,001.30
29.55
1,446.00
19.10
#1 761
-1.80
67.69
52.18
10,108.06
23.47
7,200.60
11.40
726
-47.77
59.93
58.26
6,644.58
#1 -65.19
#1 7,223.20
14.93
147
-967.44
50.54
443.60
#4 4,667.86
#5 11.25
#3 5,485.70
#4 17.11
#3 501
#3 -22.44
34.26
18.35
3,265.43
-9.36
4,364.80
#1 21.96
24
-274.31
44.20
148.80
1,581.59
20.03
2,171.00
20.07
115
-49.64
52.70
29.81
1,536.75
-2.26
4,329.30
1.62
-521
-229.30
34.85
281.00
1,272.54
9.43
994.50
15.32
132
#1 6.67
40.29

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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

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
5,857
Expenses
2,760
2,404
1,322
1,331
1,627
1,960
2,222
2,635
2,926
EBITDA
-2,327
-1,850
123
167
86
325
576
534
402
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
2,529
Profit Before Tax
-2,411
-1,949
30
84
5
256
514
474
402
Tax
93
0
0
0
0
0
-155
-28
-9
Net Profit
-2,504
-1,949
30
84
5
256
670
501
411
EPS in ₹
-787.88
-471.84
6.21
16.62
1.06
47.47
90.85
47.89
39.10

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
Sept 2025
Promoter
42.08 %
33.76 %
22.54 %
22.54 %
22.54 %
22.38 %
22.35 %
22.28 %
21.88 %
21.87 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
1.02 %
1.09 %
0.51 %
0.89 %
0.28 %
1.21 %
DIIs
0.00 %
0.00 %
7.12 %
17.69 %
17.73 %
17.99 %
18.46 %
15.88 %
16.03 %
14.81 %
Government
0.00 %
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 %
22.64 %
Others
57.92 %
66.24 %
54.47 %
43.14 %
42.21 %
41.11 %
39.48 %
39.94 %
40.07 %
39.48 %
No of Share Holders
43
86
174
72,042
49,178
51,033
52,297
52,412
53,351
51,129

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
18 Jun 2018 CHANGE OF NAME Change Of Name
NA
18 Jun 2018 0.00 0.00
19 Jun 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
19 Jun 2024 620.10 714.70
21 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Oct 2024 579.75 528.50
21 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Jan 2025 409.05 387.25
29 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Apr 2025 505.10 516.15
22 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
22 Jul 2025 490.85 498.50
29 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Aug 2025 498.50 490.70
17 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
17 Oct 2025 472.70 461.40

Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome1 hour ago
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot2 hours ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome5 days ago
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS5 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release5 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation5 days ago
Financial Results Quarter And Half Year Ended September 3020255 days ago
Board Meeting Outcome for Unaudited Financials Results For The Quarter And Half Year Ended 30-Sep-20255 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
Announcement under Regulation 30 (LODR)-Credit RatingOct 10, 2025
Board Meeting Outcome for Outcome Of Board MeetingOct 09, 2025
Compliance Certificate For The Period Ended 30Th September 2025Oct 08, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Announcement under Regulation 30 (LODR)-Credit RatingOct 08, 2025
Board Meeting Intimation for Considering The Issuance Of Non-Convertible DebenturesOct 06, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 25, 2025
Closure of Trading WindowSep 25, 2025
Board Meeting Intimation for Considering The Financial Results For The Quarter And Half Year Ended 30Th September 2025Sep 25, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 24, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 17, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMSep 08, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 29, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Appointment Of Secretarial AuditorAug 29, 2025
Appointment Of Independent Director (Additional Director)Aug 27, 2025
Receipt Of Order-In-Original Passed By Additional Commissioner Of Central Tax GST Bengaluru East Commissionerate KarnatakaAug 26, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 25, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 08, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 06, 2025
Business Responsibility and Sustainability Reporting (BRSR)Aug 05, 2025
Reg. 34 (1) Annual Report.Aug 05, 2025
Notice Of 19Th Annual General MeetingAug 05, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 01, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 30, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 23, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 22, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 22, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 22, 2025
Board Meeting Outcome for Financial Results For 30-June-2025Jul 22, 2025
Financials Results For 30-June-2025Jul 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Board Meeting Intimation for Please Find Attached Board Meeting IntimationJul 14, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Details Of Company Secretary And Compliance Officer And Registrar And Share Transfer Agent (RTA) Of The BankJul 11, 2025
Closure of Trading WindowJun 26, 2025

Technical Indicators

RSI(14)
Neutral
28.65
ATR(14)
Volatile
13.98
STOCH(9,6)
Oversold
17.36
STOCH RSI(14)
Oversold
0.00
MACD(12,26)
Bearish
-3.71
ADX(14)
Weak Trend
19.47
UO(9)
Bearish
46.64
ROC(12)
Downtrend And Accelerating
-9.68
WillR(14)
Neutral
-72.16