Jana SFB Q2 FY27 PAT Surges 127% to ₹170 Cr
Jana Small Finance Bank reported a strong Q2 FY27 performance with Profit After Tax (PAT) soaring by 127% year-on-year to ₹170 Crore. This marks the highest ever Profit Before Tax (PBT) at ₹170 Crore for the quarter. The bank's guidance for FY27 PAT has been raised to a 100% increase year-on-year. Gross Lending Portfolio (GLP) grew by 22% year-on-year to ₹38,752 Crore, with secured assets forming 73.7% of the GLP and growing by 24% year-on-year. Total Deposits reached ₹38,221 Crore, a 17% year-on-year increase. The bank also saw improvements in asset quality, with Gross Non-Performing Assets (GNPA) at 2.17% and Net Non-Performing Assets (NNPA) at 1.08%. The Net Interest Margin (NIM) improved to 7.5% from 6.5% in the previous year's comparable quarter. Operating expenses were marginally lower quarter-on-quarter, contributing to an improved Cost to Income ratio of 64.3%.
Key Highlights
- Q2 FY27 PAT grew 127% YoY to ₹170 Cr, highest ever PBT.
- FY27 PAT guidance raised to 100% YoY increase.
- GLP grew 22% YoY to ₹38,752 Cr; secured assets at 73.7%.
- Deposits grew 17% YoY to ₹38,221 Cr.
- GNPA at 2.17%, NNPA at 1.08%; NIM improved to 7.5%.
Price Impact
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