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Jana Bank Q1 FY26 Net Profit Jumps to ₹13.98 Crore

April 29, 2026 3 mins read Firehose Gupta

Jana Small Finance Bank Limited — Quarter and year ended March 31, 2026

Contact Details
T +91 80 4602 0100
E info@janabank.com
W www.janabank.com
Sr. No. Particulars Quarter Ended 31.03.2026 Audited (Refer Note 12) Quarter Ended 31.12.2025 Unaudited Quarter Ended 31.03.2025 Audited (Refer Note 12) Year Ended 31.03.2026 Audited Year Ended 31.03.2025 Audited
1 Interest earned (a)+(b)+(c)+(d) 1,44,45,908 1,37,35,331 1,18,38,453 5,35,28,650 4,67,13,094
a) Interest/discount on advances/bills 1,30,84,818 1,22,17,112 1,07,39,096 4,80,39,138 4,22,99,218
b) Income on investments 12,90,725 13,35,473 8,59,039 49,06,242 37,72,554
c) Interest on balances with Reserve Bank of India and other inter bank funds 70,324 73,302 2,24,708 4,58,105 6,25,515
d) Others 41 1,09,444 15,610 1,25,165 15,807
2 Other Income 26,56,033 24,47,324 23,38,841 1,02,18,991 77,58,610
3 Total Income (1)+(2) 1,71,01,941 1,61,82,655 1,41,77,294 6,37,47,641 5,44,71,704
4 Interest Expended 70,90,083 70,93,588 60,23,790 2,75,97,431 2,31,66,562
5 Operating Expenses (i)+(ii) 66,64,652 63,29,671 53,79,317 2,44,93,568 1,94,26,279
i) Employee cost 38,40,231 36,96,574 32,71,984 1,46,02,167 1,21,04,164
ii) Other operating expenses 28,24,421 26,33,097 21,07,333 98,91,401 73,22,115
6 Total Expenditure (4)+(5) (excluding Provision and Contingencies) 1,37,54,735 1,34,23,259 1,14,03,107 5,20,90,999 4,25,92,841
7 Operating profit before provision and contingencies (3)-(6) 33,47,206 27,59,396 27,74,187 1,16,56,642 1,18,78,863
8 Provisions (other than tax) and contingencies 19,49,023 26,62,454 15,75,802 83,92,360 71,42,083
9 Exceptional items – – – – –
10 Profit from Ordinary Activities before tax (7)-(8)-(9) 13,98,183 96,942 11,98,385 32,64,282 47,36,780
11 Tax Expenses/(Credit) – – (36,400) – (2,77,407)
12 Net profit from Ordinary Activities after tax (10)-(11) 13,98,183 96,942 12,34,785 32,64,282 50,14,187
13 Extraordinary items (net of tax expenses) – – – – –
14 Net profit for the period (12)-(13) 13,98,183 96,942 12,34,785 32,64,282 50,14,187
15 Paid up Equity share capital (Face value of 10/- each) 10,53,246 10,52,737 10,50,565 10,53,246 10,50,565
16 Reserves excluding revaluation reserves 4,32,82,493 3,98,65,467
17 Analytical ratio and other disclosure:
(i) Percentage of shares held by Government of India Nil Nil Nil Nil Nil
(ii) Capital Adequacy Ratio – Basel II 19.38% 19.17% 20.68% 19.38% 20.68%
(iii) Earnings per share (face value of ₹10/- each)(before and after extraordinary items, net of tax expenses)
Basic EPS (₹) * 13.28 0.92 11.76 31.02 47.89
Diluted EPS (₹) * 13.23 0.92 11.71 30.92 47.67
(iv) NPA Ratios
(a) Gross NPAs 84,69,474 82,91,679 74,96,021 84,69,474 74,96,021
(b) Net NPAs 31,25,440 29,48,463 25,41,850 31,25,440 25,41,850
(c) % of Gross NPAs to Gross Advances 2.46% 2.59% 2.71% 2.46% 2.71%
(d) % of Net NPAs to Net Advances 0.92% 0.94% 0.94% 0.92% 0.94%
(v) Return on assets (annualized) 1.26% 0.09% 1.40% 0.79% 1.49%
(vi) Net worth# 4,21,55,009 4,03,61,931 3,87,43,078 4,21,55,009 3,87,43,078
(vii) Outstanding redeemable preference shares – – – – –
(viii) Capital redemption reserve/Debenture redemption reserve 2 2 2
Particulars Quarter ended 31.03.2026 (Audited Refer Note 12) Quarter ended 31.12.2025 (Unaudited) Quarter ended 31.03.2025 (Audited Refer Note 12) Year ended 31.03.2026 (Audited) Year ended 31.03.2025 (Audited)
Segment Revenue:
Treasury 37,92,124 37,09,409 33,13,490 1,50,61,373 1,36,12,931
Corporate/Wholesale Banking 10,08,974 10,50,941 8,87,175 38,96,797 31,26,061
Retail Banking 2,20,38,237 2,12,93,858 1,83,32,222 8,30,68,844 6,96,60,287
(i) Digital Banking Units 15,014 12,114 11,315 49,363 45,024
(ii) Other Retail Units 2,20,23,223 2,12,81,744 1,83,20,907 8,30,19,481 6,96,15,263
Other Banking operations 2,18,382 1,87,648 3,15,408 11,45,883 12,99,992
Unallocated – 1,09,398 – 1,24,952 –
Total Revenue 2,70,57,717 2,63,51,254 2,28,48,295 10,32,97,849 8,76,99,271
Less: Inter Segment Revenue (99,55,776) (1,01,68,599) (86,71,001) (3,95,50,208) (3,32,27,567)
Income from Operations 1,71,01,941 1,61,82,655 1,41,77,294 6,37,47,641 5,44,71,704
Segment Results (net of provisions)
Treasury 3,30,228 3,63,547 2,53,207 15,89,766 18,78,960
Corporate/Wholesale Banking 93,972 57,016 20,497 1,83,085 51,645
Retail Banking 7,55,601 (6,20,666) 6,09,273 2,20,595 15,06,182
(i) Digital Banking Units 6,680 4,128 4,454 17,239 18,633
(ii) Other Retail Units 7,48,921 (6,24,794) 6,04,819 2,03,356 14,87,549
Other Banking operations 2,18,382 1,87,647 3,15,408 11,45,884 12,99,993
Unallocated – 1,09,398 – 1,24,952 –
Profit before tax 13,98,183 96,942 11,98,385 32,64,282 47,36,780
Segment Assets
Treasury 12,50,25,488 10,77,55,726 10,43,72,290 12,50,25,488 10,43,72,290
Corporate/Wholesale Banking 4,43,08,400 4,24,65,366 3,90,87,976 4,43,08,400 3,90,87,976
Retail Banking 30,07,11,850 27,84,17,975 23,72,28,762 30,07,11,850 23,72,28,762
(i) Digital Banking Units 2,15,944 1,76,815 1,58,779 2,15,944 1,58,779
(ii) Other Retail Units 30,04,95,906 27,82,41,160 23,70,69,983 30,04,95,906 23,70,69,983
Other Banking operations 1,04,954 1,94,122 70,838 1,04,954 70,838
Unallocated 43,26,577 44,38,804 39,09,107 43,26,577 39,09,107
Total 47,44,77,269 43,32,71,993 38,46,68,973 47,44,77,269 38,46,68,973
Segment Liabilities (a)
Treasury 5,66,15,381 3,92,13,736 4,01,82,171 5,66,15,381 4,01,82,171
Corporate/Wholesale Banking 1,76,744 1,69,418 1,55,634 1,76,744 1,55,634
Retail banking 37,24,81,433 35,03,73,421 30,25,89,944 37,24,81,433 30,25,89,944
(i) Digital Banking Units 1,11,253 84,744 93,820 1,11,253 93,820
(ii) Other Retail Units 37,23,70,180 35,02,88,677 30,24,96,124 37,23,70,180 30,24,96,124
Other banking operations 44,076 39,479 42,734 44,076 42,734
Unallocated 4,57,564 2,18,560 5,15,033 4,57,564 5,15,033
Total 42,97,75,198 39,00,14,614 34,34,85,516 42,97,75,198 34,34,85,516
Capital employed (b) 4,47,02,071 4,32,57,379 4,11,83,457 4,47,02,071 4,11,83,457
Total (a + b) 47,44,77,269 43,32,71,993 38,46,68,973 47,44,77,269 38,46,68,973
Particulars As at 31.03.2026 Audited As at 31.03.2025 Audited
CAPITAL AND LIABILITIES
Capital 10,53,246 10,50,565
Employee stock option outstanding 3,66,332 2,67,425
Reserves and surplus 4,32,82,493 3,98,65,467
Deposits 35,78,44,891 29,11,97,813
Borrowings 5,49,67,618 3,86,68,171
Other liabilities and provisions 1,69,62,689 1,36,19,532
TOTAL 47,44,77,269 38,46,68,973
ASSETS
Cash and balances with Reserve Bank of India 2,49,21,665 2,81,60,598
Balance with banks and money at call and short notice 6,60,144 1,64,32,603
Investments 9,81,19,956 5,94,45,806
Advances 33,82,76,851 27,15,54,759
Fixed assets 19,86,883 15,31,772
Other assets 1,05,11,770 75,43,435
TOTAL 47,44,77,269 38,46,68,973
Particulars Year ended 31.03.2026 Audited Year ended 31.03.2025 Audited
A. Cash flow from operating activities
Net profit before taxes 32,64,282 47,36,780
Adjustments for:
– Depreciation on fixed assets 7,54,376 6,05,600
– Loss on sale of fixed assets 4,644 3,037
– Employee stock option expenses 1,48,

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