Jana Small Finance Bank Ltd Q3 FY25 net profit up QoQ at Rs. 110.66 crores

Jana Small Finance Bank Limited has reported Standalone financial results for the period ended December 31, 2024.

Financial Results (Q3 FY2025) - QoQ Comparison

The company has reported total income of Rs. 1354.8159 crores during the period ended December 31, 2024 as compared to Rs. 1341.6073 crores during the period ended September 30, 2024.

The company has posted net profit / (loss) of Rs. 110.6601 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs. 96.7181 crores for the period ended September 30, 2024.

The company has reported EPS of Rs. 10.49 for the period ended December 31, 2024 as compared to Rs. 9.15 for the period ended September 30, 2024.

Financials	Q3 FY2025	Q2 FY2025	% Change
Total Income	₹ 1354.8159 crs	₹1341.6073 crs	0.98%
Net Profit	₹110.6601 crs	₹96.7181 crs	14.42%
EPS	₹10.49	₹9.15	14.64%

Financial Results (Q3 FY2025) - YoY Comparison

The company has reported total income of Rs. 1354.8159 crores during the period ended December 31, 2024 as compared to Rs.1177.5402 crores during the period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.110.6601 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs.134.6442 crores for the period ended December 31, 2023.

The company has reported EPS of Rs.10.49 for the period ended December 31, 2024 as compared to Rs.14.84 for the period ended December 31, 2023.

Financials	Q3 FY2025	Q3 FY2024	% Change
Total Income	₹ 1354.8159 crs	₹1177.5402 crs	15.05%
Net Profit	₹110.6601 crs	₹134.6442 crs	-17.81%
EPS	₹10.49	₹14.84	-29.31%

Financial Results (9 Months Ended FY2025) - YoY Comparison

The company has reported total income of Rs.4052.4916 crores during the 9 Months period ended December 31, 2024 as compared to Rs.3393.1083 crores during the 9 Months period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.377.9402 crores for the 9 Months period ended December 31, 2024 as against net profit / (loss) of Rs.347.8626 crores for the 9 Months period ended December 31, 2023.

The company has reported EPS of Rs.35.84 for the 9 Months period ended December 31, 2024 as compared to Rs.41.23 for the 9 Months period ended December 31, 2023.

Financials	9 Months Ended FY2025	9 Months Ended FY2024	% Change
Total Income	₹4052.4916 crs	₹3393.1083 crs	19.43%
Net Profit	₹377.9402 crs	₹347.8626 crs	8.65%
EPS	₹35.84	₹41.23	-13.07%

Asset Quality:

Asset Quality	Q3 FY2025	Q2 FY2025	Q3 FY2024
Gross NPA	₹757.8151 crs	₹754.6487 crs	₹487.2072 crs
Gross NPA %	2.80%	2.97%	2.19%
Net NPA	₹250.5116 crs	₹247.2851 crs	₹156.4147 crs
Net NPA %	0.94%	0.99%	0.71%

Gross NPA was at ₹ 757.8151 crs in Q3 FY2025 against ₹ 487.2072 crs in Q3 FY2024. The same was at ₹ 754.6487 crs in Q2 FY2025.

Net NPA was at ₹ 250.5116 crs in Q3 FY2025 against ₹ 156.4147 crs in Q3 FY2024. The same was at ₹ 247.2851 crs in Q2 FY2025.

GNPA was at 2.80% of Gross advances as on December 31, 2024 as compared to 2.19% as on December 31, 2023 and 2.97% as of September 30, 2024.

Net NPA was at 0.94% of Gross advances as on December 31, 2024 as compared to 0.71% as on December 31, 2023 and 0.99% as of September 30, 2024.

Ratios	Q3 FY2025	Q2 FY2025	Q3 FY2024
RoA %	1.30%	1.17%	1.86%
CAR (BASEL III) %	18.39%	18.81%	16.27%

Return on Average Assets (RoA) is at 1.30% for Q3 FY2025 against 1.17% in Q2 FY2025 and 1.86% in Q3 FY2024.

In Q3 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 18.39%, as compared to 18.81% in Q2 FY2025 and 16.27% in Q3 FY2024.

Shares of Jana Small Finance Bank Limited was last trading in BSE at Rs. 438.05 as compared to the previous close of Rs. 366.45. The total number of shares traded during the day was 486170 in over 13435 trades.

The stock hit an intraday high of Rs. 439.70 and intraday low of 370.30. The net turnover during the day was Rs. 205636255.00.

Source : Equity Bulls

Keywords

JanaSmallFinanceBank Q3FY25 9MFY25 Q3FY2025 9MFY2025 ResultUpdate