Jana Small Finance Bank, 544118, JSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

5,676.83
14.95
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,681.42
N/A
1.24

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

29.94
16.92
34.86

EBITDA CAGR (%)

10 Years
5 Years
3 Years

6.74
79.60
-21.29

PAT CAGR (%)

10 Years
5 Years
3 Years

1.27
1.27

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 1,514.53 1,240.65 22.08% 1,444.59 1,183.85 22.02% 1,384.13 1,177.41 17.56% 1,304.78 1,166.05 11.90%
Interest Exp. 732.06 655.06 11.75% 709.01 602.38 17.70% 709.36 584.83 21.29% 686.31 572.14 19.95%
Net Interest Income 782.47 585.59 33.62% 735.58 581.47 26.50% 674.77 592.59 13.87% 618.47 593.91 4.14%
NIM 7.50 6.90 8.70% 7.22 7.40 -2.43% 6.70 7.30 -8.22% 6.60 7.80 -15.38%
Other Income 226.91 265.99 -14.69% 265.60 233.88 13.56% 244.73 177.40 37.95% 247.47 175.56 40.96%
Total Income 1,741.45 1,506.64 15.59% 1,710.19 1,417.73 20.63% 1,628.86 1,354.82 20.23% 1,552.25 1,341.61 15.70%
Operating Exp. 676.22 562.95 20.12% 666.46 537.93 23.89% 632.97 490.90 28.94% 586.98 470.82 24.67%
Operating Profit 333.16 288.63 15.43% 334.72 277.42 20.65% 286.53 279.09 2.67% 278.96 298.65 -6.59%
Provision 177.93 186.71 -4.70% 194.90 157.58 23.68% 276.84 173.75 59.33% 203.97 210.28 -3.00%
PBT 155.23 101.92 52.31% 139.82 119.84 16.67% 9.69 105.34 -90.80% 74.99 88.38 -15.15%
PBTM 10.25 8.22 24.70% 9.68 10.12 -4.35% 0.70 8.95 -92.18% 5.75 7.58 -24.14%
TAX 0.00 0.00 0 0.00 -3.64 - 0.00 -5.32 - 0.00 -8.34 -
PAT 155.23 101.92 52.31% 139.82 123.48 13.23% 9.69 110.66 -91.24% 74.99 96.72 -22.47%
PATM 10.25% 8.22% 9.68% 10.43% 0.70% 9.40% 5.75% 8.29%
EPS 14.74 9.69 52.12% 13.27 11.75 12.94% 0.92 10.56 -91.29% 7.13 9.25 -22.92%
Gross NPA 841.10 824.93 1.96% 846.95 749.60 12.99% 829.17 757.81 9.42% 871.30 754.65 15.46%
Gross NPA% 2.39 2.91 -17.87% 2.46 2.71 -9.23% 2.59 2.80 -7.50% 2.87 2.97 -3.37%
Net NPA 314.26 262.74 19.61% 312.54 254.19 22.96% 294.85 250.51 17.70% 280.81 247.28 13.56%
Net NPA% 0.91 0.94 -3.19% 0.92 0.94 -2.13% 0.94 0.94 0.00% 0.94 0.99 -5.05%
CASA 19.22 17.80 7.98% 17.94 18.00 -0.33% 20.00 18.43 8.52% 18.30 20.10 -8.96%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 2,811.29 2,593.12 2,354.65 2,127.91 1,660.02 1,389.78 1,263.15 1,011.36 436.91 390.90 1,592.65 Interest Earned 5,648.03 5,352.86 4,671.31 4,013.81 3,075.01 2,726.53 2,497.73 1,991.52 1,250.54 1,554.79 2,821.98 Interest Expended 2,836.74 2,759.74 2,316.66 1,885.90 1,414.99 1,336.75 1,234.58 980.16 813.63 1,163.89 1,229.33 Int. income Growth 19.45% 10.13% 10.66% 28.19% 19.44% 10.02% 24.90% 131.48% 11.77% -75.46% Other Income 984.71 1,021.90 775.86 670.24 624.86 335.83 223.01 433.25 117.73 42.26 156.28 Total Income 6,632.75 3,615.03 3,130.51 2,798.15 2,284.88 1,725.61 1,486.16 1,444.61 554.64 433.16 1,748.93 Total Expenditure 2,562.63 3,213.16 2,596.27 2,221.90 1,960.22 1,627.33 1,331.22 1,321.95 2,404.31 2,752.06 1,581.46 Employee Cost - 1,460.22 1,210.42 974.67 777.58 698.99 618.46 623.76 602.27 670.08 517.02 % Of Sales - 27.28% 25.91% 24.28% 25.29% 25.64% 24.76% 31.32% 48.16% 43.10% 18.32% Opt. & Establishment Exp. - 1,064.58 792.76 692.09 575.62 520.64 511.53 632.85 628.31 869.17 734.23 % Of Sales - 19.89% 16.97% 17.24% 18.72% 19.10% 20.48% 31.78% 50.24% 55.90% 26.02% Provisions - 839.24 714.21 678.96 744.40 569.32 366.59 250.40 1,372.51 1,380.71 453.93 % Of Sales - 15.68% 15.29% 16.92% 24.21% 20.88% 14.68% 12.57% 109.75% 88.80% 16.09% EBITDA 1,233.37 401.87 534.24 576.25 324.66 98.28 154.94 122.66 -1,849.67 -2,318.90 167.47 EBITDA Margin 54.63% 15.50% 22.69% 27.08% 19.56% 7.07% 12.27% 12.13% -423.35% -593.22% 10.52% Depreciation 0.00 75.44 60.56 61.91 68.69 80.81 82.68 92.53 99.39 83.95 61.86 PBT 379.73 326.43 473.68 514.35 255.97 17.47 72.26 30.13 -1,949.06 -2,402.85 105.61 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 0.00 0.00 -27.74 -155.19 0.00 0.00 0.00 0.00 0.00 100.94 -64.49 Tax Rate 0.00% 0.00% -5.86% -30.17% 0.00% 0.00% 0.00% 0.00% 0.00% -4.20% -61.06% PAT 379.73 326.43 501.42 669.54 255.97 17.47 72.26 30.13 -1,949.06 -2,503.79 170.10 PAT before Minority Interest 379.73 326.43 501.42 669.54 255.97 17.47 72.26 30.13 -1,949.06 -2,503.79 170.10 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 10.00% 9.03% 16.02% 23.93% 11.20% 1.01% 4.86% 2.09% -351.41% -578.03% 9.73% PAT Growth -12.26% -34.90% -25.11% 161.57% 1365.20% -75.82% 139.83% 0 0 -1571.95% EPS 36.06 31.00 47.62 63.58 24.31 1.66 6.86 2.86 -185.10 -237.78 16.15

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 4,470.21 4,118.35 3,577.10 1,797.26 1,200.70 1,114.81 1,043.51 673.64 1,528.82 2,396.69 Share Capital 105.32 105.06 104.59 324.98 201.41 200.73 200.72 197.16 39.29 27.46 Total Reserves 4,328.25 3,986.55 3,461.91 1,452.09 983.15 900.04 826.59 463.71 1,484.41 2,369.23 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 35,784.49 29,119.78 22,571.25 16,334.02 13,536.49 12,316.26 9,651.95 4,198.70 0.45 0.00 Borrowings 5,496.76 3,866.82 5,211.46 6,277.46 4,509.83 4,815.32 2,898.74 4,086.47 7,661.61 11,667.19 Other Liabilities & Provisions 1,696.27 1,361.95 1,349.98 1,234.96 941.68 832.27 550.31 487.49 557.50 808.88 Total Liabilities 47,447.73 38,466.90 32,709.79 25,643.70 20,188.70 19,078.66 14,144.51 9,446.30 9,748.38 14,872.76 Net Block 190.68 149.96 138.65 122.60 170.47 210.81 259.42 332.02 359.85 191.56 Gross Block 804.92 722.81 688.05 633.86 668.62 644.03 617.38 603.24 538.66 314.17 Accumulated Depreciation 614.25 572.84 549.41 511.25 498.15 433.22 357.96 271.22 178.81 122.61 Total Non-Current Assets 46,396.56 37,712.55 32,043.24 25,195.83 19,780.67 18,769.28 13,846.97 9,188.23 9,527.67 14,482.90 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 8.01 3.21 2.94 5.14 1.18 1.25 0.59 2.44 24.81 38.53 Cash and balance with RBI 2,492.17 2,816.06 1,025.59 1,010.94 1,530.02 2,125.29 473.84 1,080.97 197.74 16.37 Balance with banks and money at call 66.01 1,643.26 1,027.10 1,076.37 7.07 134.48 506.46 87.59 919.47 2,275.25 Investments 9,812.00 5,944.58 6,737.69 5,221.22 5,065.26 4,697.78 2,650.04 1,468.13 1,997.48 347.64 Advances 33,827.69 27,155.48 23,111.27 17,759.56 13,006.67 11,599.67 9,956.62 6,217.08 6,028.32 11,613.55 Other Assets 1,051.18 754.34 666.54 447.85 408.03 309.37 297.54 258.07 220.71 389.86 Total Assets 47,447.74 38,466.89 32,709.78 25,643.68 20,188.70 19,078.65 14,144.51 9,446.30 9,748.38 14,872.76 Contingent Liabilities 486.05 521.55 263.50 77.18 41.74 47.46 39.37 51.60 51.15 15.79 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 420.94 389.47 341.00 274.12 201.23 187.43 172.97 108.33 387.81 872.79

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 17
Cash From Operating Activity 593.64 4,073.25 707.82 -1,137.18 858.61 628.80 -2,416.11 PBT 326.43 473.68 514.35 255.97 17.47 84.31 255.22 Adjustment 951.27 803.21 755.96 821.56 654.65 463.75 130.39 Adjustments for Liabilities & Assets -675.44 2,813.61 -545.12 -2,205.35 189.25 84.88 -2,659.14 Refund/(Payment) of direct taxes -8.61 -17.25 -17.38 -9.36 -2.77 -4.14 -142.58 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -4,132.66 -321.02 -780.09 -434.46 -1,330.37 -1,265.74 -411.80 Net Fixed Assets -86.91 -35.03 -51.99 30.80 -24.52 -292.58 Other Investment Activity -1133.95 -1506.11 -1125.45 -1969.37 -1935.54 -1057.08 Cash from Financing Activity 1,640.54 -1,331.44 33.48 2,103.62 -239.52 1,916.59 3,097.44 Closing Cash & Equivalent 2,549.35 4,447.82 2,027.03 2,066.88 1,534.91 2,259.95 2,037.63 Net Cash Inflow / Outflow -1,898.47 2,420.79 -38.79 531.97 -711.28 1,279.65 269.53 Opening Cash & Equivalents 4,447.82 2,027.03 2,065.83 1,534.91 2,246.19 980.30 1,768.10

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 17 Mar 14 Mar 13 Mar 12
Book Value 420.94 389.47 341.00 274.12 201.23 189.79 872.79 80.86 257.18 969.93 NIM 5.61 6.27 6.67 6.62 7.09 6.80 11.17 0.00 0.00 0.00 Yield on Advances 15.82 17.20 17.37 17.31 20.96 21.51 24.30 0.00 0.00 0.00 Yield on Investments 5.60 6.73 5.32 6.29 5.14 4.10 7.35 0.00 0.00 0.00 Cost of Liabilities 6.69 7.02 6.79 6.26 7.41 7.18 10.54 0.00 0.00 0.00 Interest Spread 9.14 10.18 10.58 11.06 13.56 14.33 13.76 0.00 0.00 0.00 ROCE 7.17% 9.74% 11.18% 9.70% 7.28% 9.08% 9.49% 1.41% 1.51% 0.34% Cost Income Ratio 67.75 62.05 57.35 56.22 66.00 69.90 68.01 0.00 0.00 0.00 Core Cost Income Ratio 68.87 62.51 57.54 56.29 66.17 70.89 68.41 0.00 0.00 0.00 Operating Costs to Assets 5.16 5.05 4.91 5.01 5.64 5.49 8.00 0.00 0.00 0.00 Loans/Deposits 0.15 0.13 0.23 0.38 0.33 0.39 0.00 0.00 0.00 0.00 Cash/Deposits 0.07 0.10 0.05 0.06 0.11 0.04 0.00 0.00 0.00 0.00 Investment/Deposits 0.27 0.20 0.30 0.32 0.37 0.38 0.00 0.00 0.00 0.00 Inc Loan/Deposits 15.36% 13.28% 23.09% 38.43% 33.32% 38.88% 0.00% 0.00% 0.00% 0.00% Credit Deposits 94.53% 93.25% 102.39% 108.73% 96.09% 93.75% 0.00% 0.00% 0.00% 0.00% Interest Expended / Interest earned 51.56% 49.59% 46.99% 46.02% 49.03% 49.43% 43.56% 0.00% 0.00% 0.00% Interest income / Total funds 11.28% 12.14% 12.27% 11.99% 13.51% 13.09% 18.97% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.82% 6.02% 5.77% 5.52% 6.62% 6.47% 8.27% 0.00% 0.00% 0.00% CASA 17.94% 17.98% 19.70% 20.21% 22.52% 16.76% 0.00% 0.00% 0.00% 0.00%

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Annual Reports:

News Update:

Jana Small Fin. Bank - Quarterly Results
16th Jul 2026, 00:00 AM

Read More
QRG Investments and Holdings sells 1.02% stake in Jana Small Finance Bank
14th Jul 2026, 14:51 PM

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

Jana Small Finance Bank Ltd.

Bank - Private

BSE: 544118 | NSE: JSFB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Jana Small Finance Bank Ltd.

Bank - Private

BSE: 544118 | NSE: JSFB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: