Jana Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q3 FY26
Jana SFB Q4 PAT ₹140 Cr; GLP & Deposits up 23% YoY
29 Apr 2026 · 29 Apr, 5:42 pm
Summary
Jana Small Finance Bank delivered a robust performance in Q4 FY26, posting a Profit After Tax (PAT) of ₹140 crores. The quarter saw the highest ever disbursement of ₹7,894 crores, reflecting a 16% sequential growth. Both the Gross Loan Portfolio (GLP) and total deposits registered strong year-on-year growth of 23%, reaching ₹36,289 crores and ₹35,784 crores respectively. The bank also strengthened its asset quality, with GNPA and NNPA ratios improving to 2.3% and 0.9%, while the Net Interest Margin (NIM) expanded to 7.22%. Management expressed cautious optimism for the upcoming financial year, confident in sustaining growth momentum through disciplined execution and prudent risk management.
Key Highlights
- 1
Jana Small Finance Bank reported a Profit After Tax (PAT) of ₹140 crores for Q4 FY26.
- 2
The bank recorded its highest ever disbursement of ₹7,894 crores in Q4 FY26, representing a 16% growth over Q3 FY26.
- 3
Gross Loan Portfolio (GLP) stands at ₹36,289 crores, achieving a 23% year-on-year growth and 9% quarter-on-quarter growth, with the secured book now accounting for 73% of GLP.
- 4
Total Deposits reached ₹35,784 crores, growing by 23% year-on-year and 6% quarter-on-quarter.
- 5
Asset quality showed improvement with the Gross Non-Performing Asset (GNPA) ratio at 2.33% and Net Non-Performing Asset (NNPA) ratio at 0.87%.
- 6
The Net Interest Margin (NIM) for Q4 FY26 improved to 7.22% from 6.61% in Q3 FY26.
- 7
Credit cost percentage reduced significantly from 0.79% in Q3 FY26 to 0.47% for Q4 FY26.
Management Comments
Ajay Kanwal
Q4 FY26 has been a strong and encouraging quarter for the Bank, reflecting the resilience of our business model and the disciplined execution of our strategy. We have delivered both on quantity and quality and see it sustaining into next FY. As we move into the new financial year, we remain cautiously optimistic. While the macroeconomic environment continues to evolve, we are confident in our ability to sustain growth momentum while maintaining prudent risk management and strong governance standards. We remain committed to sustaining the turnaround of Q4 into next FY.
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