Summary

Jana Small Finance Bank has reported a Profit After Tax (PAT) of Rs. 177 Crs for the half year ended 30th September 2025. The bank's assets have grown by 20% and deposits have crossed Rs. 30,000 Crs. The bank's gross loan portfolio stands at Rs. 331,655 Cr, growing by 20% y-o-y with 73% share of secured assets. Total deposits stand at Rs. 332,532 Cr, growing by 31% y-o-y. The bank's Credit to Deposit ratio has improved to 91.4% in Q2 FY26 vs 100.2% in Q2 FY25. The GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.0% (including technical write-off).

Key Highlights

1. 1

   Asset GLP stands at 331,655 crores, growing by 20% y-o-y with 73% share of secured assets

2. 2

   Secured assets grows by 34% y-o-y and Unsecured de-growth is 7% y-o-y

3. 3

   Total Deposits stands at 332,532 crores, Deposits growth of 31% y-o-y

4. 4

   Credit to Deposit ratio improves to 91.4% in Q2 FY26 vs 100.2% in Q2 FY25

5. 5

   Capital Adequacy ratio at 19.7% with Tier-1 CRAR of 18.8%

6. 6

   Strong liquidity with LCR of 170%

7. 7

   GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.0% (including technical write-off)

8. 8

   PAT of 3177 crores for H1 FY26 and 375 crores for Q2 FY26 after providing for accelerated provision of 3222 Crores in H1 FY26