JANA SMALL FIN BANK LTD (JSFB) financials

JANA SMALL FIN BANK LTD (JSFB) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 2006, Jana SmallFinance Bank Ltd provides a widerange of banking and financial services[1]

Market Cap: ₹5,202Cr.
Current Price: ₹492
Stock P/E: 13.7
ROE: 7.60%
ROCE: 7.45%
Book Value: ₹424
Dividend Yield: 0.00%
52W High / Low: ₹607/330

In Jun 2026, JANA SMALL FIN BANK LTD (JSFB) reported sales ₹1,515 Cr and net profit ₹155 Cr.

Annual TTM: sales ₹5,637 Cr, net profit ₹380 Cr.

Shareholding: Promoters 16.87% (Sep 2026), FIIs 5.10% (Sep 2026), DIIs 16.28% (Sep 2026), Government 0.00% (Sep 2026), Public 61.74% (Sep 2026).

JSFB quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,166	1,177	1,184	1,241	1,305	1,374	1,445	1,515
Interest	572	585	602	655	686	709	709	732
Expenses	681	665	696	750	791	899	861	854
Financing Profit	-87	-72	-114	-164	-172	-235	-126	-72
Financing Margin %	-7%	-6%	-10%	-13%	-13%	-17%	-9%	-5%
Other Income	176	177	234	266	247	245	266	227
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	88	105	120	102	75	10	140	155
Tax %	-9%	-5%	-3%	0%	0%	0%	0%	0%
Net Profit	97	111	123	102	75	10	140	155
EPS in Rs	9.25	10.56	11.75	9.69	7.13	0.92	13.28	14.74
Gross NPA %	2.97%	2.80%	2.71%	2.91%	2.87%	2.59%	2.46%	2.39%
Net NPA %	0.99%	0.94%	0.94%	0.94%	0.94%	0.94%	0.92%	0.91%
Raw PDF	—	—	—	—	—	—	—	—

JSFB profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,992	2,498	2,727	3,075	4,014	4,671	5,353	5,637
Interest	980	1,235	1,337	1,415	1,886	2,317	2,760	2,837
Expenses	1,322	1,331	1,627	1,960	2,222	2,596	3,213	3,406
Financing Profit	-311	-68	-238	-300	-94	-242	-620	-605
Financing Margin %	-16%	-3%	-9%	-10%	-2%	-5%	-12%	-11%
Other Income	433	235	324	625	670	776	1,022	985
Depreciation	93	83	81	69	62	61	75	0
Profit before tax	30	84	5	256	514	474	326	380
Tax %	0%	0%	0%	0%	-30%	-6%	0%	—
Net Profit	30	84	5	256	670	501	326	380
EPS in Rs	5.94	16.62	1.07	50.46	64.02	47.73	30.99	36.07
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	—

JSFB balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	47	51	51	51	55	105	105	105
Reserves	476	843	926	999	1,472	3,473	4,013	4,365
Deposits	4,199	9,652	12,386	13,540	16,334	22,571	29,120	35,784
Borrowing	4,236	3,049	4,965	4,660	6,547	5,211	3,867	5,497
Other Liabilities	487	550	763	938	1,235	1,350	1,362	1,696
Total Liabilities	9,446	14,145	19,091	20,189	25,644	32,710	38,467	47,448
Fixed Assets	332	259	211	170	123	139	150	191
CWIP	2	1	1	1	5	3	3	8
Investments	1,468	2,650	4,698	5,065	5,221	6,738	5,945	9,812
Other Assets	7,644	11,234	14,181	14,952	20,295	25,831	32,369	37,437
Total Assets	9,446	14,145	19,091	20,189	25,644	32,710	38,467	47,448

JSFB cash flows (₹ Cr.)
Category	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%	28%

JSFB shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	22.35%	22.28%	21.88%	21.87%	21.86%	21.85%	16.94%	16.87%
FIIs	0.51%	0.89%	0.28%	1.21%	4.11%	4.31%	4.01%	5.10%
DIIs	18.47%	15.89%	16.03%	14.81%	12.92%	14.29%	15.31%	16.28%
Government	0.00%	0.00%	0.00%	0.00%	1.98%	1.98%	1.03%	0.00%
Public	58.67%	60.94%	61.81%	62.12%	59.14%	57.57%	62.69%	61.74%
No. of Shareholders	52,297	52,412	53,351	51,129	51,546	50,785	49,932	50,686

JSFB key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-189%	5%	10%	1%	20%	26%	13%	8%

JSFBUpdated 13 Oct 2026, 5:39

Jana Small Fin Bank Ltd

JSFBUpdated 13 Oct 2026, 5:39

Market Cap

₹5,202Cr.

Current Price

₹492

High / Low

₹607/330

Stock P/E

13.7

ROE7.60%

ROCE7.45%

Book Value₹424

Face Value₹10.0

Dividend Yield0.00%

About

Incorporated in 2006, Jana SmallFinance Bank Ltd provides a widerange of banking and financial services[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	885	423	560	-98	-11	188	90	0	90	17.81	2.94	1.19
Sep 2023	979	453	566	-41	-4	164	123	0	123	24.22	2.44	0.87
Dec 2023	1038	490	553	-5	0	140	135	0	135	26.54	2.19	0.71
Mar 2024	1112	520	604	-13	-1	179	166	-93	322	30.76	2.11	0.56
Jun 2024	1167	557	639	-29	-2	189	160	-7	171	16.31	2.62	0.99
Sep 2024	1166	572	681	-87	-7	176	88	-9	97	9.25	2.97	0.99
Dec 2024	1177	585	665	-72	-6	177	105	-5	111	10.56	2.8	0.94
Mar 2025	1184	602	696	-114	-10	234	120	-3	123	11.75	2.71	0.94
Jun 2025	1241	655	750	-164	-13	266	102	0	102	9.69	2.91	0.94
Sep 2025	1305	686	791	-172	-13	247	75	0	75	7.13	2.87	0.94
Dec 2025	1374	709	899	-235	-17	245	10	0	10	0.92	2.59	0.94
Mar 2026	1445	709	861	-126	-9	266	140	0	140	13.28	2.46	0.92
Jun 2026	1515	732	854	-72	-5	227	155	0	155	14.74	2.39	0.91

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2018	1555	1164	2844	-2453	-158	42	0	-2411	4	-2504	-637.29
Mar 2019	1251	814	2399	-1963	-157	113	99	-1949	0	-1949	-413.32
Mar 2020	1992	980	1322	-311	-16	433	93	30	0	30	5.94
Mar 2021	2498	1235	1331	-68	-3	235	83	84	0	84	16.62
Mar 2022	2727	1337	1627	-238	-9	324	81	5	0	5	1.07
Mar 2023	3075	1415	1960	-300	-10	625	69	256	0	256	50.46
Mar 2024	4014	1886	2222	-94	-2	670	62	514	-30	670	64.02
Mar 2025	4671	2317	2596	-242	-5	776	61	474	-6	501	47.73
Mar 2026	5353	2760	3213	-620	-12	1022	75	326	0	326	30.99
TTM	5637	2837	3406	-605	-11	985	0	380	—	380	36.07

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	16.87%
FIIs	5.1%
DIIs	16.28%
Public	61.74%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Government	Public
Mar 2024	22.54%	1.15%	17.7%	0%	58.62%
Jun 2024	22.54%	1.02%	17.73%	0%	58.71%
Sep 2024	22.38%	1.09%	17.99%	0%	58.53%
Dec 2024	22.35%	0.51%	18.47%	0%	58.67%
Mar 2025	22.28%	0.89%	15.89%	0%	60.94%
Jun 2025	21.88%	0.28%	16.03%	0%	61.81%
Sep 2025	21.87%	1.21%	14.81%	0%	62.12%
Dec 2025	21.86%	4.11%	12.92%	1.98%	59.14%
Mar 2026	21.85%	4.31%	14.29%	1.98%	57.57%
Jun 2026	16.94%	4.01%	15.31%	1.03%	62.69%
Sep 2026	16.87%	5.1%	16.28%	0%	61.74%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2018	39	1490	558	9749	385	0	1997	7367	9749
Mar 2019	47	476	487	9446	332	2	1468	7644	9446
Mar 2020	51	843	550	14145	259	1	2650	11234	14145
Mar 2021	51	926	763	19091	211	1	4698	14181	19091
Mar 2022	51	999	938	20189	170	1	5065	14952	20189
Mar 2023	55	1472	1235	25644	123	5	5221	20295	25644
Mar 2024	105	3473	1350	32710	139	3	6738	25831	32710
Mar 2025	105	4013	1362	38467	150	3	5945	32369	38467
Mar 2026	105	4365	1696	47448	191	8	9812	37437	47448

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2018	—	—	—	—
Mar 2019	2771	-231	-2489	51
Mar 2020	949	-285	-852	-188
Mar 2021	615	-1266	1917	1266
Mar 2022	859	-1330	-240	-711
Mar 2023	-1137	-434	2104	532
Mar 2024	708	-780	33	-39
Mar 2025	4073	-321	-1331	2421
Mar 2026	594	-4133	1641	-1898

Key ratios

Historical financial ratios

Category	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%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of JANA SMALL FIN BANK LTD (JSFB)?

The reported market capitalisation for JANA SMALL FIN BANK LTD (JSFB) is ₹5,202Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of JSFB?

The current price shown for JANA SMALL FIN BANK LTD (JSFB) on Fincrux is ₹492 with a 52-week high/low of ₹607/330.

What is the P/E ratio of JANA SMALL FIN BANK LTD (JSFB)?

The stock P/E for JANA SMALL FIN BANK LTD (JSFB) is 13.7 on Fincrux, with ROE at 7.60% and ROCE at 7.45%.

What were JSFB latest quarterly results?

For Jun 2026, JANA SMALL FIN BANK LTD (JSFB) reported sales ₹1,515 Cr and net profit ₹155 Cr (figures in ₹ crore unless noted).

What are JSFB annual sales and net profit?

For TTM, JANA SMALL FIN BANK LTD (JSFB) shows sales of ₹5,637 Cr and net profit of ₹380 Cr on the Fincrux profit & loss statement.

Who owns JANA SMALL FIN BANK LTD (JSFB)?

Latest shareholding for JANA SMALL FIN BANK LTD (JSFB) on Fincrux: Promoters 16.87% (Sep 2026), FIIs 5.10% (Sep 2026), DIIs 16.28% (Sep 2026), Government 0.00% (Sep 2026), Public 61.74% (Sep 2026).

Where can I find JANA SMALL FIN BANK LTD (JSFB) financials?

JANA SMALL FIN BANK LTD (JSFB) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show JSFB balance sheet and cash flow?

Yes. The JANA SMALL FIN BANK LTD (JSFB) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 13 October 2026 at 5:39