Jana Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q4 FY25
Jana Small Finance Bank Reports Q1 FY26 Performance: PAT at Rs. 102 Crs, GNPA at 2.8%, NNPA at 0.9%
22 Jul 2025 · 22 Jul 2025, 05:12 pm
Summary
Jana Small Finance Bank has reported its Q1 FY26 results with a Profit After Tax (PAT) of Rs. 102 crores. The bank's Gross Non-Performing Assets (GNPA) ratio stands at 2.8% and Net Non-Performing Assets (NNPA) ratio at 0.9%. The bank's assets under management (AUM) stand at Rs. 329,930 crores, growing by 16% y-o-y with 71% share of secured assets. The bank's total deposits stand at Rs. 329,426 crores, growing by 24% y-o-y. The bank's Credit to Deposit ratio improved to 94.6% in Q1 FY26 vs 102.1% in Q1 FY25. The bank has filed its application for Universal Bank with RBI during the quarter.
Key Highlights
- 1
PAT at Rs. 102 Crs
- 2
GNPA at 2.8%
- 3
NNPA at 0.9%
- 4
AUM at Rs. 329,930 crores, growing by 16% y-o-y
- 5
Secured assets grows by 36% y-o-y
- 6
Unsecured de-growth is 12% y-o-y
- 7
Total Deposits stands at Rs. 329,426 crores, growing by 24% y-o-y
- 8
Credit to Deposit ratio improves to 94.6% in Q1 FY26 vs 102.1% in Q1 FY25
- 9
Bank has filed its application for Universal Bank with RBI during the quarter
Management Comments
Mr. Ajay Kanwal
MD and CEO, Jana Small Finance Bank
India’s macroeconomic fundamentals remain strong, and the Bank is seeing accelerated opportunities across its core segments—housing finance, rural lending, and MSME financing. These areas continue to benefit from structural tailwinds, and Jana Bank is strategically positioned to serve these segments with increasing scale and efficiency. With the recently announced CRR reduction, repo rate cuts and surging digital adoption, the operating environment is shifting positively and these developments provide the right foundation to strengthen our balance sheet and enhance delivery across underserved segments. With the cost of funds expected to reduce further in the upcoming quarters, the Bank anticipates an improvement in Net Interest Margins (NIMs). As unsecured lending gradually resumes, it is expected to support earnings momentum, alongside a reduction in Gross and Net Non-Performing Assets (NPAs). The combination of macroeconomic support, strong execution and a calibrated risk posture positions Jana Small Finance Bank for sustained and profitable growth in the quarters ahead.
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