Jana Small Finance Bank Reports Quarter-End Results: Net Profit Rises as Key Ratios Stand Firm
Jana Small Finance Bank Ltd has announced its unaudited financial results for the quarter ended June 30, 2026. The bank reported a net profit after tax of ₹ 155.23 crores and a net worth of ₹ 4,463.49 crores.The unaudited financial results indicate strong operational performance across various key metrics as of the end of Q1 FY27. Earnings per share stood at Basic ₹ 14.74 and Diluted ₹ 14.69. The bank maintained a Debt-Equity Ratio of 0.99, while its Operating Margin was recorded at 19.13% and Net Profit Margin at 8.91%.
The bank's asset quality metrics showed stable performance. The Gross NPA ratio was 2.39%, and the Net NPA ratio stood at 0.91%. Furthermore, the Capital Adequacy Ratio (CAR) as per Basel-II was reported at 20.18%, with Total Debts to Total Assets maintained at 9.95%.
Key financial ratios and metrics for Jana Small Finance Bank Ltd as of June 30, 2026:
| Metric | Value |
|---|---|
| Net Worth | ₹ 4,463.49 crores |
| Net Profit After Tax | ₹ 155.23 crores |
| Basic Earnings Per Share (EPS) | ₹ 14.74 |
| Diluted EPS | ₹ 14.69 |
| Debt-Equity Ratio | 0.99 |
| Operating Margin | 19.13% |
| Net Profit Margin | 8.91% |
| Capital Adequacy Ratio (Basel-II) | 20.18% |
| Gross NPA Ratio | 2.39% |
| Net NPA Ratio | 0.91% |
| Return on Assets (Annualized) | 1.35% |
Segment Performance Details
The bank’s revenue streams were detailed across several segments, including Treasury, Corporate/Wholesale Banking, and Retail Banking. Total Income for the quarter stood at ₹ 17,414,450 (in thousands).Revenue contributions from different segments totaled:
- Retail Banking: ₹ 22,710,598 thousand
- Treasury: ₹ 3,872,730 thousand
- Corporate/Wholesale Banking: ₹ 995,503 thousand
The bank reported that the retail banking segment contributed significantly to its performance, with a net result of ₹ 700,149 thousand. The total assets for the bank stood at 468,120,450 thousand, while total liabilities were recorded at 420,801,450 thousand.
Asset Quality and Risk Metrics
The following table outlines the primary asset quality ratios and related data for the period ended June 30, 2026:| Ratio / Metric | Value |
|---|---|
| Debt-Equity Ratio (DER) | 0.99 |
| Total Debts to Total Assets | 9.95% |
| Gross NPA to Gross Advances | 2.39% |
| Net NPA to Net Advances | 0.91% |
Additionally, the bank’s securities holdings were detailed, showing a total outstanding value of 1,492.21 ₹ crores across various rating levels from agencies such as Infomerics, Brickwork Rating, and ICRA.
JSFB Stock Price Movement
Jana Small Finance Bank Limited shares edged higher today, closing at ₹492.65 after gaining 0.55% in post-market trading. The stock saw active movement throughout the day, with over 1.19 million shares traded and reaching a high of ₹502 before settling within its intraday range.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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