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Jana Small Finance Bank Ltd
NSE:JSFB

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Jana Small Finance Bank Ltd
NSE:JSFB
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Price: 372.7 INR 0.92% Market Closed
Market Cap: ₹39.2B

Jana Small Finance Bank Ltd
Investor Relations

Jana Small Finance Bank Ltd is a IN-based company operating in Banks industry. The company is headquartered in Bangalore, Karnataka. The company went IPO on 2024-02-14. Jana Small Finance Bank Limited is an India-based small finance bank. The firm has 771 banking outlets, including 278 banking outlets in un-banked rural centers, in 22 states and two union territories. The firm serves approximately 12 million customers, including 4.87 million active customers. The Company’s products and services include savings account, current account, deposits, loans, cards, online banking, payments, insurance and safe deposit locker facility. Its loan services include home loan, group loan, business loan for individuals, Agri individual loan, gold loan secured business loan, home improvement loan, two-wheeler loan and Agri group loan. Its online banking services include mobile banking, Internet banking and corporate Internet banking. Its saving account services include premium savings account, silver premium account, savings plus, video know your customer (KYC), salary account and DIGIGEN.

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Last Earnings Call
Fiscal Period
Q3 2026
Call Date
Feb 6, 2026
AI Summary
Q3 2026

Earnings Recovery: Jana Small Finance Bank reported a PAT of INR 10 crores in Q3, calling it a bottom and guiding for a sharp rebound to INR 140–160 crores in Q4.

Asset Quality Improvement: Slippages and SMA levels dropped meaningfully in Q3, with expectations for further reductions and lowest credit cost of the year in Q4.

Deposit Growth: Total deposits grew 16% YoY to INR 33,733 crores, with CASA up 41%, and cost of deposits falling to 7.7%.

NIM Stabilization: Net Interest Margin (NIM) grew by 10 bps in Q3 after declines, with management forecasting continued improvement as funding costs drop and unsecured lending resumes growth.

Guidance Raised: Bank expects FY '27 credit cost to fall to 1.7–1.8%, ROA to reach 1.5–1.6%, ROE to 14–15%, and NIMs to cross 7%.

Guarantee Program: 62% of the unsecured book is now under a guarantee scheme, expected to reach 72% by March, helping future recoveries.

Universal Bank Status: RBI returned the application in Q3; resubmission planned but not factored into current financial projections.

Key Financials
PAT
INR 10 crores
Gross NPA
INR 829 crores
Credit Cost
INR 277 crores (Q3)
Total Deposits
INR 33,733 crores
CASA
INR 6,742 crores
CASA Ratio
20%
Cost of Deposits
7.7%
Affordable Housing Loan Book
INR 7,500 crores
Micro Loan Book
INR 6,201 crores
MSME Loan Book
INR 4,830 crores
Vehicle Loans
INR 1,554 crores
Gold Loans
INR 1,752 crores
Collection Efficiency (BC Book)
99%+
Other Earnings Calls

Management

Mr. Ajay Chamanlal Kanwal
MD, CEO & Director
No Bio Available
Mr. Abhilash Sandur
Chief Financial Officer
No Bio Available
Mr. Krishnan Subramania Raman
Executive Director and Chief Credit & Collection Officer
No Bio Available
Ms. R. N. Lakshmi
Company Secretary & Compliance Officer
No Bio Available
Mr. Ganesh Nagarajan
Chief Operating Officer
No Bio Available
Mr. Ashish Gopal Saxena
Chief Information & Digital Officer
No Bio Available
Mr. Shrinivas Murty J
President and Head of Branch Banking & Marketing
No Bio Available
Mr. Amit Raj Bakshi
Chief Human Resources Officer
No Bio Available
Mr. C. P. Rangarajan
Senior Vice President of Special Projects
No Bio Available
Mr. Gopal Tripathi
Head of Treasury & Capital Markets
No Bio Available

Contacts

Address
KARNATAKA
Bangalore
The Fairway Business Park, #10/1, 11/2,, off Domlur, Koramangala Inner, Next to EGL, Challaghatta
Contacts
+918046020100
www.janabank.com
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