Search & Analyze

Jana Small Finance Bank Ltd.

BankBank - Private

www.janabank.com BSE: 544118NSE: JSFB

₹387.75BSE4.26%

23 Oct, 10:41 AM

₹387.75

₹4.28K Cr

11.27

0.93

7.66%

₹405.00

₹382.10

₹606.45

₹330.30

Customise metrics bar

Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	690.00	13.99	10,64,513.78	2.24	19,509.96	4.66%	83,426.60	8.78%	12.91
ICICI BANK ICICIBANK	1,392.60	18.32	9,99,896.41	0.86	14,843.03	20.10%	49,110.00	17.61%	17.11
KOTAK MAH.BK KOTAKBANK	432.10	29.31	4,29,847.95	0.15	4,122.96	25.64%	14,477.49	4.63%	12.21
AXIS BANK AXISBANK	1,206.40	13.59	3,75,662.53	0.08	7,003.28	37.60%	36,418.77	17.59%	10.93
FEDERAL BANK FEDERALBNK	346.50	17.64	85,685.76	0.35	1,386.09	45.10%	7,720.98	14.52%	11.07
IDBI BANK L IDBI	77.40	10.47	83,223.59	0.00	2,205.45	-39.20%	8,512.15	19.82%	15.30
AUBANK AUBANK	929.25	25.00	69,858.46	0.11	795.95	37.03%	5,302.74	21.11%	14.17
Jana Small Finance Bank Ltd. JSFB	387.75	11.27	4,278.39	0.00	155.23	52.30%	1,514.53	22.08%	7.17

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,167.06	1,166.05	1,177.41	1,183.85	1,240.65	1,304.78	1,384.13	1,444.59	1,514.53
Expenses	442.98	470.82	490.90	537.93	562.95	586.97	632.97	666.47	676.22
	355.78	298.65	279.09	277.42	288.63	278.96	286.53	334.72	333.16
	30.49%	25.61%	23.70%	23.43%	23.26%	21.38%	20.70%	23.17%	22.00%
Provisions and Contingencies	195.65	210.28	173.75	157.58	186.71	203.97	276.84	194.90	177.93
	189.01	175.56	177.40	233.88	265.99	247.47	244.73	265.60	226.91
Interest	557.31	572.14	584.83	602.38	655.06	686.31	709.36	709.01	732.06
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	160.13	88.38	105.34	119.84	101.93	74.99	9.69	139.82	155.23
	-6.52%	-9.44%	-5.05%	-3.04%	0.00%	0.00%	0.00%	0.00%	0.00%
	170.56	96.72	110.66	123.48	101.93	74.99	9.69	139.82	155.23
	16.31	9.25	10.57	11.75	9.69	7.13	0.92	13.27	14.74

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	2,726.54	3,075.01	4,013.81	4,671.31	5,352.87
	335.83	624.86	670.24	775.86	1,021.90
	3,062.37	3,699.88	4,684.06	5,447.17	6,374.76
II. EXPENDITURE
Interest Expended	1,336.75	1,414.99	1,885.90	2,316.66	2,759.74
Operating Expenses	1,138.82	1,284.51	1,604.84	1,942.63	2,449.36
Provisions and Contingencies	569.32	744.40	678.96	714.21	839.24
	17.47	255.97	514.35	473.68	326.43
Taxes	0.00		-155.19	-27.74
	17.47	255.97	669.54	501.42	326.43
Extra items				0.00	0.00
Consolidated Net Profit	17.47	255.97	669.54	501.42	326.43
IV. APPROPRIATIONS	-4,077.75	-3,827.06	-3,238.33	-2,924.30	-2,731.81
	3.40	46.56	64.02	47.73	30.99
Adjusted EPS	3.40	46.56	64.02	47.73	30.99

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	201.41	324.98	104.59	105.06	105.32
Share Warrants & Outstandings	16.14	20.19	10.60	26.74	36.63
Total Reserves	983.15	1,452.09	3,461.91	3,986.55	4,328.25
Reserve excluding Revaluation Reserve	983.15	1,452.09	3,461.91	3,986.55	4,328.25
Revaluation Reserves	0.00
Deposits	13,536.49	16,334.02	22,571.25	29,119.78	35,784.49
	4,509.83	6,277.46	5,211.46	3,866.82	5,496.76
Other Liabilities & Provisions	941.68	1,234.96	1,349.98	1,361.95	1,696.27
Total Liabilities	20,188.71	25,643.69	32,709.78	38,466.90	47,447.73
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	1,530.02	1,010.94	1,025.59	2,816.06	2,492.17
Balances with banks and money at call	7.07	1,076.37	1,027.10	1,643.26	66.01
Investments	5,065.26	5,221.22	6,737.69	5,944.58	9,812.00
Investments in India	5,065.26	5,221.22	6,737.69	5,944.58	9,812.00
Investments outside India	0.00
Advances	13,006.67	17,759.56	23,111.27	27,155.48	33,827.69
Gross block	668.62	633.86	688.05	722.81	804.92
Less: Accumulated Depreciation	498.15	511.25	549.41	572.84	614.25
Net Block	170.47	122.60	138.65	149.96	190.68
Capital Work in Progress	1.18	5.14	2.94	3.21	8.01
Other Assets	408.03	447.85	666.54	754.34	1,051.18
Total Assets	20,188.71	25,643.69	32,709.78	38,466.90	47,447.73
Contingent Liabilities	41.74	77.18	263.50	521.55	486.05
	201.23	274.12	341.00	389.47	420.94
Adjusted Book Value	201.23	274.12	341.00	389.47	420.94

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	17.47	255.97	514.35	473.68	326.43
Adjustments for Expenses & Provisions :	654.65	821.56	755.96	803.21	951.27
Adjustments for Liabilities & Assets:	189.26	-2,205.35	-545.12	2,813.61	-675.44
Refund/(payment) of direct taxes	-2.77	-9.36	-17.38	-17.25	-8.61
Cash Flow from operating activities	858.61	-1,137.18	707.82	4,073.25	593.64
Cash Flow from investing activities	-1,330.37	-434.46	-780.09	-321.02	-4,132.66
Cash Flow from financing activities	-239.52	2,103.62	33.48	-1,331.44	1,640.54
Net increase/(decrease) in cash and cash equivalents	-711.28	531.97	-38.79	2,420.79	-1,898.47
Opening Cash & Cash Equivalents	2,246.19	1,534.91	2,065.83	2,027.03	4,447.82
Closing Cash & Cash Equivalent	1,534.91	2,066.88	2,027.03	4,447.82	2,549.35

Ratios

Valuation

11.27

0.93

5.90

0.76

35.88

433.68

Profitability

7.66

7.17

0.76

21.78

6.10

Leverage & Liquidity

1.24

Returns

0.00

Banking Metrics

5.61

2.46

0.92

94.53

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	22.54	22.38	22.35	22.28	21.88	21.87	21.86	21.85	16.94	16.87
	18.75	19.08	18.97	16.77	16.31	16.02	19.00	20.58	20.36	21.39
	58.70	58.54	58.68	60.94	61.81	62.12	59.14	57.57	62.70	61.74
	77.46	77.62	77.65	77.72	78.12	78.13	78.14	78.15	83.06	83.13
No. of Shareholders	49,178	51,033	52,297	52,412	53,351	51,129	51,546	50,785	49,932	50,686

Mutual Funds Invested(13)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 5 active funds hold 2.17% in Jana Small Finance Bank Ltd., contributing to ₹112 Cr of holdings

Fund				As of
KO Kotak Special Opportunities Fund - Growth - Direct PlanEquity - Thematic Fund - Other	37.47	1.95	7,65,724	Sep '26
KO Kotak Balanced Advantage Fund - Growth - Direct PlanHybrid - Balanced Advantage	25.88	0.16	5,28,913	Sep '26
JM JM Value Fund - Growth - Direct PlanEquity - Value Fund	19.86	2.55	4,05,934	Sep '26
JM JM Small Cap Fund - Growth - Direct PlanSmall cap Fund	18.84	2.00	3,85,000	Sep '26
JM JM Mid Cap Fund - Growth - Direct PlanMid Cap Fund	10.38	0.80	2,12,087	Sep '26
MO Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct PlanIndex Funds - Other	9.14	0.38	1,86,754	Sep '26
DS DSP BSE MidSmall Private Banks ETFIndex	0.61	0.74	12,365	Sep '26
IN Groww Nifty Total Market Index Fund - Growth - Direct PlanIndex Funds - Other	0.06	0.02	1,220	Sep '26
AO Angel One Nifty Total Market Index Fund - Growth - Direct PlanIndex Funds - Other	0.01	0.02	203	Sep '26
MO Motilal Oswal BSE 1000 Index Fund - Growth - Direct PlanIndex Funds - Other	0.01	0.02	202	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-12	Board Meeting	Quarterly Results
2026-09-04	AGM
2026-07-01	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

Jana Small Finance Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

15 members across the board and senior leadership

Lakshmi Raja Narayanamurthy

Company Secretary & Compliance Officer

—

Krishnan Subramania Raman

Executive Director

—

Pammi Vijaya Kumar

Non Executive Independent Director

₹31.00 L

Mar '26

Chitra Rajiv Talwar

Non Executive Independent Director

₹29.80 L

Mar '25

Rakesh Joshi

Non Executive Independent Director

₹13.00 L

Mar '26

Pankaj Razdan

Non Executive Independent Director

₹3.00 L

Mar '26

Malini B Mallikarjun

Non Executive Independent Director

—

Ajay Chamanlal Kanwal

Managing Director & Chief Executive Officer

₹8.97 Cr

Mar '25

Ajay Rotti

Non Executive Independent Director

₹3.00 L

Mar '26

Dinesh Patwari

Non Executive Independent Director

₹31.00 L

Mar '26

Rahul khosla

Nominee Director

₹45.00 L

Mar '26

Kumbla Srinivas Nayak

Non Executive Independent Director

₹24.20 L

Mar '25

Chitra Talwar

Chairperson

₹32.00 L

Mar '26

K Srinivas Nayak

Non Executive Independent Director

₹29.00 L

Mar '26

Ajay Kanwal

Managing Director & Chief Executive Officer

—

JSFB Latest News

News

9 of 9 articles

EQUITY12 Oct 2026 · 17:19

Jana Small Finance Bank informs about board meeting

EQUITY30 Sept 2026 · 12:03

Jana Small Finance Bank informs about voting result and scrutinizer’s report

EQUITY25 Sept 2026 · 11:05

Jana Small Finance Bank informs about closure of trading window

EQUITY4 Sept 2026 · 11:41

Jana Small Finance Bank submits annual report

COMPANY14 Jul 2026 · 14:51

QRG Investments and Holdings sells 1.02% stake in Jana Small Finance Bank

QRG Investments and Holdings has sold stake to Monet Securities for around Rs 52.60 crore

EQUITY3 Jul 2026 · 12:22

Jana Small Finance Bank informs about certificate

EQUITY12 Jun 2026 · 09:18

Jana Small Finance Bank informs about EGM

EQUITY11 Jun 2026 · 16:58

Jana Small Finance Bank informs about outcome of EGM

EQUITY20 May 2026 · 17:36

Jana Small Finance Bank informs about EGM

JSFB

₹387.75

-4.26%