Operates a small finance bank with 826 branches across India, lending mainly to retail and small-business customers. Segment revenue (YTD Dec 2024) is dominated by retail units at 78.2% (₹5,086 cr), which houses microfinance, gold loans and used-car finance; treasury operations contribute 16.8% (₹1,096 cr) and corporate/wholesale banking 3.4% (₹224 cr). As of Q1 FY27 the gross loan portfolio stood at ₹37,612 cr, of which the secured book is 72.8% — split between an ₹10,240 cr microfinance book, a ₹2,678 cr gold loan book and used-car finance running at ₹45 cr per month across 50 cities. On the liability side, deposits totalled ₹35,756 cr with CASA up 31% year-on-year. Cost of funds at 7.4% is the bank's biggest input cost, against a net interest margin of 7.5%. Asset quality sits at gross NPA 2.24% and net NPA 0.85% with credit cost of 0.45%, and the capital adequacy ratio is 20.18%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail units (microfinance, gold loans, used-car finance) (78%), Treasury (17%), Corporate/Wholesale Banking (3%), Other Banking operations (2%), Digital Banking Units (0%). Small finance bank; retail-lending-heavy with microfinance exposure
| ₹ crore · consolidated | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | — | — | — |
| EBITDA (ex other income) | — | — | — |
| margin % | — | — | — |
| Owners' profit | 670 | 501 | 326 |
| EPS, as reported (₹) | 90.85 | 47.89 | 31.02 |
| ROE % · ROCE % | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — |
| Cash from operations | 707 | 4,073 | 594 |
| Capex | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 88 | 105 | 120 | 102 | 75 | 10 | 140 | 155 |
| Net profit | 97 | 111 | 123 | 102 | 75 | 10 | 140 | 155 |
| EPS (₹) | 9.25 | 10.57 | 11.76 | 9.69 | 7.13 | 0.92 | 13.28 | 14.74 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| AU SMALL FINANCE BANK LTD | 79,309 | 27.7 | — | — | — | — | — | — |
| UJJIVAN SMALL FINANC BANK | 12,819 | 14.1 | — | — | — | — | — | — |
| EQUITAS SMALL FIN BNK LTD | 8,426 | 16.5 | — | — | — | — | — | — |
| JANA SMALL FIN BANK LTD ◆ | 5,462 | 14.4 | — | — | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 7 Sept 2026 · Company Secretary Lakshmi RN resigns, last day Oct 31 | management changes | high | — | — |
| 7 Sept 2026 · Company Secretary Lakshmi RN resigns effective Oct 31, 2026 | management changes | high | — | — |
| 5 Sept 2026 · Record date and interest payment date for NCD Series S23 announced | credit debt | low | — | — |
| 4 Sept 2026 · Jana Small Finance Bank files BRSR for FY 2025-26 with exchanges | compliance | minimal | — | — |
| 4 Sept 2026 · Jana Small Finance Bank submits Annual Report for FY 2025-26 | results | high | — | — |
| 4 Sept 2026 · 20th AGM notice on Sep 29, 2026; CEO and ED pay plus re-appointment items | board shareholder meetings | low | — | — |
| 29 Aug 2026 · Jana Small Finance Bank opens 828th branch in Mangalore | business updates | medium | — | — |
| 25 Aug 2026 · Jana Small Finance Bank clarifies on Federal Bank merger buzz news | strategic transactions | high | — | — |
| 25 Aug 2026 · NSE seeks clarification on Jana SFB Federal Bank merger news | regulatory legal | high | — | — |
| 13 Aug 2026 · Jana Small Finance Bank allots 38,057 shares under ESOP schemes | capital market events | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| UTKARSH SMALL FIN BANK L |
| 2,584 |
| — |
| — |
| — |
| — |
| — |
| — |
| — |
| ESAF SMALL FINANCE BANK L | 2,042 | 19.7 | — | — | — | — | — | — |
| SURYODAY SMALL FIN BK LTD | 1,565 | 8.2 | — | — | — | — | — | — |
| CAPITAL SMALL FIN BANK L | 1,233 | 6.7 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 14.4 | 15.4 | 4 of 8 | 57% |
| Profit growth | 52.3 | 85.8 | 6 of 9 | 38% |
| Market cap | 5462 | 2584 | 4 of 9 | 63% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
