Jana Small Finance Bank reported a net profit of ₹155.23 crore for the quarter ended June 30, 2026, marking a 52% increase year-on-year. The profit growth was driven by improved Net Interest Margin (NIM), which rose to 7.5% from 6.6% in the same period last year, and a reduction in the cost of funds to 7.4% from 7.97%. The bank's total income stood at ₹1,741.45 crore, while interest earned was ₹1,514.53 crore. Operating profit before provision and contingencies was recorded at ₹333.16 crore.

Key Financial Metrics

The following table summarises the key financial performance indicators for Q1FY27:

Asset Quality and Capital

Asset quality showed sequential improvement during the quarter. The Gross NPA ratio moderated to 2.24% from 2.33% in the previous quarter (Q4FY26) and 2.76% in Q1FY26. The Net NPA ratio improved to 0.85% from 0.87% QoQ. The Return on Assets (annualized) was reported at 1.35%, and the net worth of the bank increased to ₹4,627 crore.

The table below highlights the asset quality trends:

During the quarter, the bank allotted 16,489 shares pursuant to the exercise of stock options and issued 88.43 lakh share warrants, receiving 25% of the issue price amounting to ₹102.76 crore. The financial results were subjected to a limited review by the joint statutory auditors, S.R. Batliboi & Associates LLP and Batliboi & Purohit, Chartered Accountants.

Business Growth

Advances grew by 26% year-on-year to ₹37,612 crore, with secured assets growing by 29%. The deposit book grew by 22% year-on-year to ₹35,756 crore, with CASA growth of 31% to ₹6,871 crore.

FY27 Guidance

Alongside its quarterly results, Jana Small Finance Bank has updated its full-year FY27 outlook. The bank projects Profit After Tax growth of over 80%, supported by loan book expansion in the range of 19–21% and deposit growth of 23–25%. Net Interest Margin is expected to remain steady at approximately 7.5%, while the cost of funds is projected to hold at approximately 7.4%.

The table below outlines the key FY27 guidance parameters:

Investor Update

In compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the bank has provided the link to the audio recording of the earnings conference call held for the quarter ended June 30, 2026. The recording is available on the bank's official website.

Jana Small Finance Bank inaugurated its 826th branch at Vaishali Nagar, Jaipur, Rajasthan on July 16, 2026, expanding its physical footprint to improve financial inclusion in the region. The new branch will cater to the banking requirements of customers in Vaishali Nagar and surrounding areas, including salaried professionals, business owners, self-employed individuals, traders, and families. This expansion is part of the Bank's broader strategy to strengthen its presence and enhance access to formal banking services.

The branch was inaugurated by Shri Gautam Kumar Dak, Hon'ble Minister of State for Cooperative & Civil Aviation, Government of Rajasthan. The ceremony was attended by Mr. Shrinivas Murty, Head – Branch Banking & Chief Marketing Officer, and Mr. Neeraj Kumar, Zonal Head – Liabilities, along with other senior officials of the Bank.

Speaking at the event, Shri Gautam Kumar Dak emphasized the importance of a strong and inclusive banking ecosystem for economic progress. He stated that the new branch is a welcome addition to Jaipur's financial landscape and will play a crucial role in advancing financial inclusion, encouraging savings, and supporting enterprise in the region.

The inauguration was disclosed to the exchanges under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing was submitted by Lakshmi Raja Narayananamurthy, Company Secretary & Compliance Officer of Jana Small Finance Bank Limited.