Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Jana Small Finance Bank Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 849 | 885 | 979 | 1,038 | 1,112 | 1,167 | 1,166 | 1,177 | 1,184 | 1,252 | 1,305 | 1,374 | 1,445 |
| Interest | 381 | 423 | 453 | 490 | 520 | 557 | 572 | 585 | 602 | 655 | 686 | 709 | 709 |
| Expenses + | 548 | 560 | 566 | 553 | 604 | 639 | 681 | 665 | 696 | 759 | 791 | 899 | 861 |
| Financing Profit | -80 | -98 | -41 | -5 | -13 | -29 | -87 | -72 | -114 | -162 | -172 | -235 | -126 |
| Financing Margin % | -9% | -11% | -4% | -0% | -1% | -2% | -7% | -6% | -10% | -13% | -13% | -17% | -9% |
| Other Income + | 161 | 188 | 164 | 140 | 179 | 189 | 176 | 177 | 234 | 264 | 247 | 245 | 266 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 81 | 90 | 123 | 135 | 166 | 160 | 88 | 105 | 120 | 102 | 75 | 10 | 140 |
| Tax % | 0% | 0% | 0% | 0% | -93% | -7% | -9% | -5% | -3% | 0% | 0% | 0% | 0% |
| Net Profit + | 81 | 90 | 123 | 135 | 322 | 171 | 97 | 111 | 123 | 102 | 75 | 10 | 140 |
| EPS in Rs | 15.97 | 17.81 | 24.22 | 26.54 | 30.76 | 16.31 | 9.25 | 10.56 | 11.75 | 9.69 | 7.13 | 0.92 | 13.28 |
| Gross NPA % | 3.94% | 2.94% | 2.44% | 2.19% | 2.11% | 2.62% | 2.97% | 2.80% | 2.71% | 2.91% | 2.87% | 2.59% | 2.46% |
| Net NPA % | 2.64% | 1.19% | 0.87% | 0.71% | 0.56% | 0.99% | 0.99% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.92% |
Financials of Jana Small Finance Bank Ltd
Annual income statement trend
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,555 | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,014 | 4,710 | 5,353 |
| Interest | 1,164 | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 | 2,317 | 2,760 |
| Expenses + | 2,844 | 2,399 | 1,322 | 1,331 | 1,627 | 1,960 | 2,222 | 2,635 | 3,289 |
| Financing Profit | -2,453 | -1,963 | -311 | -68 | -238 | -300 | -94 | -242 | -695 |
| Financing Margin % | -158% | -157% | -16% | -3% | -9% | -10% | -2% | -5% | -13% |
| Other Income + | 42 | 113 | 433 | 235 | 324 | 625 | 670 | 776 | 1,022 |
| Depreciation | 0 | 99 | 93 | 83 | 81 | 69 | 62 | 61 | 0 |
| Profit before tax | -2,411 | -1,949 | 30 | 84 | 5 | 256 | 514 | 474 | 326 |
| Tax % | 4% | 0% | 0% | 0% | 0% | 0% | -30% | -6% | 0% |
| Net Profit + | -2,504 | -1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 326 |
| EPS in Rs | -637.29 | -413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 |
| Dividend Payout % | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Jana Small Finance Bank Ltd
Capital structure and asset base
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 39 | 47 | 51 | 51 | 51 | 55 | 105 | 105 | 105 |
| Reserves | 1,490 | 476 | 843 | 926 | 999 | 1,472 | 3,473 | 4,013 | 4,328 |
| Deposits | 0 | 4,199 | 9,652 | 12,386 | 13,540 | 16,334 | 22,571 | 29,120 | 35,784 |
| Borrowing | 7,662 | 4,236 | 3,049 | 4,965 | 4,660 | 6,547 | 5,211 | 3,867 | 5,497 |
| Other Liabilities + | 558 | 487 | 550 | 763 | 938 | 1,235 | 1,350 | 1,359 | 1,733 |
| Total Liabilities | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 | 47,448 |
| Fixed Assets + | 385 | 332 | 259 | 211 | 170 | 123 | 139 | 150 | 199 |
| CWIP | 0 | 2 | 1 | 1 | 1 | 5 | 3 | 3 | 0 |
| Investments | 1,997 | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | 6,738 | 5,945 | 9,812 |
| Other Assets + | 7,367 | 7,644 | 11,234 | 14,181 | 14,952 | 20,295 | 25,831 | 32,366 | 37,437 |
| Total Assets | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 | 47,448 |
Financials of Jana Small Finance Bank Ltd
Operating, investing and financing cash movement
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | 2,771 | 949 | 615 | 859 | -1,137 | 708 | 4,073 | 594 | |
| Cash from Investing Activity + | -231 | -285 | -1,266 | -1,330 | -434 | -780 | -321 | -4,133 | |
| Cash from Financing Activity + | -2,489 | -852 | 1,917 | -240 | 2,104 | 33 | -1,331 | 1,641 | |
| Net Cash Flow | 51 | -188 | 1,266 | -711 | 532 | -39 | 2,421 | -1,898 | |
| Free Cash Flow | 2,717 | 928 | 573 | 818 | -1,163 | 631 | 4,001 | 472 | |
| CFO/OP | -241% | 140% | 53% | 78% | -101% | 40% | 197% | 29% |
Financials of Jana Small Finance Bank Ltd
Working capital efficiency and return ratios
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -164% | -189% | 5% | 10% | 1% | 20% | 26% | 13% | 8% |