Results-Financial Results 31/03/2026
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J.A. Finance Ltd, an NBFC, reported strong recovery with net profit of Rs 54.05 lakh for FY26 compared to a net loss of Rs 4.42 lakh in FY25. Total income increased to Rs 278.70 lakh from Rs 227.65 lakh. Finance costs were Rs 65.11 lakh while impairment on financial instruments reduced significantly to Rs 19.41 lakh from Rs 40.08 lakh. The company maintains a healthy capital adequacy ratio of 94.08% (well above RBI's 15% requirement). Gross NPA stands at 4.54% and Net NPA at 3.67% with 20% provision coverage. The company filed an IBC petition against Indico Motors Pvt Ltd for recovery of Rs 131.20 lakh (principal plus interest). Auditors issued a clean opinion with no going concern issues.
The company has returned to profitability with a significant turnaround from losses, indicating improved asset quality and cost efficiency. The extremely low debt-equity ratio of 0.12 and high capital adequacy provide strong financial stability.