Jana Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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On the reaction day the stock moved 6.9 pts less than Nifty Microcap 250 and 7.3 pts less 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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Jana Small Finance Bank reported Q1 FY26 results with total income rising to ₹1,516.15 crore from ₹1,356.07 crore in Q1 FY25, a growth of about 11.8%. However, net profit fell sharply to ₹101.93 crore from ₹170.56 crore in the same quarter last year, a drop of roughly 40%. Basic EPS stood at ₹9.69 versus ₹16.31 in Q1 FY25. The bank changed its accounting treatment for Priority Sector Lending Certificates (PSLC) from upfront to amortised quarterly, which alone reduced Q1 net profit by ₹52.17 crore, making prior-year figures not directly comparable. Asset quality slipped marginally with Gross NPAs rising to 2.91% from 2.71% sequentially, though Net NPAs held steady at 0.94%. Capital Adequacy Ratio stood comfortably at 19.97%. Joint auditors S.R. Batliboi and Batliboi & Purohit issued a clean limited review report with no qualifications. The 19th AGM is scheduled for August 29, 2025 via video conferencing.
The sharp year-on-year profit decline will likely weigh on short-term sentiment, though part of it is attributable to the PSLC accounting change rather than core business deterioration. Investors should watch for sequential trends in NIMs, deposit growth, and asset quality in coming quarters to gauge underlying performance.