Jana Small Finance Bank Limited has informed the Exchange about Investor Presentation
JSFB · price
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Jana Small Finance Bank reported Q1 FY26 results with Adjusted PAT of Rs 252 Crs, up 18% year-on-year, while reported PAT stood at Rs 102 Crs after an accelerated provisioning of Rs 150 Crs to keep net NPA below 1%. Advances grew 16% YoY to Rs 29,930 Crs, with the secured book rising to 71% of total advances (from 62% a year ago), driven by affordable housing, Micro LAP, gold loans, and two-wheeler loans. Deposits grew 24% YoY to Rs 29,426 Crs, with CASA at 17.8% and cost of funds flat at 8.0%. Asset quality remained stable with GNPA at 2.8% and NNPA at 0.9%. The bank has also applied to the RBI for a Universal Banking license on 9th June 2025.
Positive for shareholders as the bank demonstrated strong secured book growth, stable margins, and improved return ratios, though NIM dipped to 6.9% from 7.4% in the prior quarter. The Universal Bank license application is a significant long-term strategic milestone that could transform the franchise, while FY26 guidance of 20% AUM growth and 30% PAT growth signals management confidence.