Jana Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
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Jana Small Finance Bank reported audited financial results for FY26 with net profit after tax of Rs 326.43 crores, up from Rs 473.68 crores in FY25. Total income grew to Rs 6,374.76 crores from Rs 5,444.72 crores in the previous year, representing approximately 17% revenue growth. The bank reported a debt-equity ratio of 1.24, capital adequacy ratio of 19.38% (well above regulatory minimum), gross NPA of 2.46% and net NPA of 0.92%. Return on assets stood at 0.79% annualized. Basic earnings per share was Rs 31.02 and diluted EPS was Rs 30.92. The bank's net worth stood at Rs 4,215.50 crores as of March 31, 2026. Joint statutory auditors S.R. Batliboi & Associates LLP and Batliboi & Purohit issued an un-modified (clean) opinion on the financial statements.
The bank delivered healthy profit growth and strong capital adequacy in a challenging environment. The improving asset quality ratios (NPA reduction from 2.77% to 2.46% gross NPA year-on-year) indicate better collection efficiency. Clean audit opinion removes concerns about financial reporting quality, which is positive for investor confidence.