Jana Small Finance Bank Limited has informed the Exchange about Transcript

Jana Small Finance Bank reported Q1 FY27 profit after tax of INR 155 crore, with net interest margin improving to 7.5% supported by a 50 bps drop in cost of funds and lower slippage in unsecured (microfinance) book. Credit cost held flat at 0.45% versus Q4 FY26, with gross NPA at 2.24%, net NPA at 0.85%, and provision coverage at 62.4%. ROA stood at 1.4% and ROE at 13.6%. Secured assets grew 29% year-on-year, CASA grew 31% year-on-year (7.1% quarter-on-quarter), and 79.8% of the unsecured book is now covered under a guarantee program. Management reiterated FY27 guidance of 19-21% loan growth, 23-25% deposit growth, and 80%+ PAT growth, with cost-to-income ratio expected in the 63-65% range. Capital raise update: INR 103 crore already received, with another INR 80+ crore pending RBI approval for the TVS Group investment, the remaining balance spread over 18 months. New launches planned for Q2 include Credit Line on UPI and loans against shares.