Approval of Financial Results for the quarter and year ended 31st March,2025
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J.A. Finance Ltd, a Kolkata-based non-banking finance company (NBFC), announced audited financial results for the quarter and financial year ended March 31, 2025, approved at the board meeting on May 27, 2025. For FY25, the company reported total income of around Rs 305.66 lakhs with profit after tax of Rs 101.21 lakhs, translating to an EPS of Rs 0.95 — broadly stable versus FY24. Statutory auditor SK Naredi & Co issued an unmodified (clean) opinion stating the financial results give a true and fair view in accordance with Ind AS and SEBI Listing Regulations. Key balance-sheet highlights: CRAR (capital adequacy) stands at 81.39%, far above the 15% RBI minimum; gross and net NPAs are at 0%; debt-equity ratio improved from 0.36 to 0.20; and cash and equivalents surged from Rs 2.12 lakhs to Rs 204.82 lakhs. No exceptional items were reported.
Stable profitability combined with very strong capital ratios and zero NPAs signals financial health for shareholders, though the small absolute scale of the NBFC limits operating leverage. The stronger cash balance and lower leverage improve liquidity and reduce refinancing risk.