RBI flags Rs 169 cr NPA divergence at Jana Small Finance Bank for FY25

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Price reactionminutes from the announcement price · days from the prior close

+7.3%Reaction day

₹493.00

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Nifty Microcap 250market+0.6%+6.7% vs market

Other Bank peers, median of 8sector+1.3%+6.0% vs sector

On the reaction day the stock moved 6.7 pts more than Nifty Microcap 250 and 6.0 pts more than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

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UpDownMarket · Nifty Microcap 250Sector · Other Bank peers, median of 8Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

RBI's Risk Assessment Report found higher NPAs at Jana Small Finance Bank for FY25 than the bank had reported. Gross NPAs were assessed at Rs 919 cr versus Rs 750 cr reported, a gap of Rs 169 cr. Provisions required were Rs 537 cr against Rs 495 cr reported. Adjusted notional PAT comes to Rs 459 cr versus Rs 501 cr reported. Bank confirms the divergence has already been provisioned for in FY25-26, so no further P&L impact in FY26-27.

Likely market impact

Negative as RBI found higher bad loans than reported, but management says already absorbed in FY25-26 books. Watch asset quality closely.