Market Data
Market Cap₹5,260.21 Cr.
52W High₹606.45
Current Price₹499.35
52W Low₹330.3
Down from 52W High17.7 %
Face Value₹10
Performance
ROCE32.39 %
ROE8.56 %
EPS (TTM)₹14.74
EPS Prev Qtr₹13.28
EPS Last Year₹7.13
EBITDA Qtr₹333.16 Cr.
Book Value₹420
Financial Health
Debt/Equity1.24
Debt/Profit14.48
Total Assets₹47,447.73 Cr.
Promoter Holding16.94 %
Earning Power2.58 %
Valuation
Stock P/E13.84
Industry P/E10.31
Price to Book1.19
Price to Sales0.93
Graham Number₹583.57
Key Metrics
Branches
826
CASA %
19%
Employees
26,287
Face Value
₹10
Gross NPA %
2.39%
Net NPA %
0.91%
NIM %
7.5%
Provision Coverage %
62.64%
ROA % (annualised)
1.35%
Total Advances
₹34,699 Cr
Total Deposits
₹35,756 Cr
About Jana Small Finance Bank Ltd
Financial Services · Banks
Jana Small Finance Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹5,260.21 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The bank maintains a healthy Net NPA ratio of 0.91%, indicating strong asset quality.
- It achieves a robust Net Interest Margin (NIM) of 7.5%, reflecting effective pricing of loans and management of interest rate risks.
- The bank has a high Return on Capital Employed (ROCE) of 40.28%, showing efficient use of capital to generate profits.
- With 826 branches, the bank has a relatively extensive distribution network.
- The Provision Coverage Ratio stands at 62.64%, suggesting adequate reserves to cover potential loan losses.
Weaknesses
- The CASA ratio is relatively low at 19%, which may impact funding stability and profitability.
- The bank has a relatively high Debt to Equity ratio of 0.94, indicating significant leverage.
- Return on Equity (ROE) is moderate at 9.22%, suggesting room for improvement in shareholder returns.
- The Return on Assets (ROA) is modest at 1.35%, indicating potential inefficiencies in asset utilization.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Sales | 1,304.78 | 1,373.53 | 1,444.59 | 1,514.53 |
| ↳ QoQ Growth | - | +5.3% | +5.2% | +4.8% |
| Expenses | 203.97 | 266.25 | 194.9 | 177.93 |
| Operating Profit | 278.96 | 275.94 | 334.72 | 333.16 |
| OPM % | 21.38% | 20.09% | 23.17% | 22% |
| Other Income | 247.47 | 244.73 | 265.6 | 226.91 |
| Interest | 686.31 | 709.36 | 709.01 | 732.06 |
| Depreciation | - | - | - | - |
| EBITDA | - | - | - | - |
| EBITDA Margin % | - | - | - | - |
| Profit Before Tax | 74.99 | 9.69 | 139.82 | 155.23 |
| Tax % | 0% | 0% | 0% | 0% |
| Net Profit | 74.99 | 9.69 | 139.82 | 155.23 |
| ↳ QoQ Growth | - | -87.1% | +1342.9% | +11.0% |
| EPS | 7.13 | 0.92 | 13.28 | 14.74 |
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 105.0565 | 105.32 |
| Reserves | 4013.2893 | 4328.25 |
| Borrowings | 3866.8171 | 5496.76 |
| Other Liabilities | 30478.45 | 37517.4 |
| Total Liabilities | 38463.617 | 47447.73 |
| Fixed Assets | 149.9632 | 198.69 |
| CWIP | 3.214 | - |
| Investments | 5944.5806 | 9812 |
| Other Assets | 32365.86 | 37437.04 |
| Total Assets | 38463.617 | 47447.73 |
Cash Flows
| Mar 2025 | |
|---|---|
| Cash from Operating Activity | 4073.251 |
| Cash from Investing Activity | -321.0231 |
| Cash from Financing Activity | -1331.4403 |
| Net Cash Flow | 2420.7876 |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 21.87% | 21.86% | 21.85% | 16.94% |
| FIIs % | 1.21% | 4.11% | 4.31% | 4.01% |
| DIIs % | 14.81% | 14.9% | 16.26% | 16.35% |
| Public % | 22.64% | 21.59% | 24.05% | 24.1% |
| No. of Shareholders | 51,129 | 51,546 | 50,785 | 49,932 |
Major Shareholders (>1%)
- Jana Holdings LimitedPromoter and Promoter Group16.94%
- Tpg Asia Vi Sf Pte. Ltd.Public Shareholding8.11%
- Tvs Motor Company LimitedPublic Shareholding4.90%
- Sunil Kant MunjalPublic Shareholding3.32%
As of 2026-06-30View all shareholders →