Jana Small Finance Bank Q4 and FY26 Earnings update

The Board of Directors of Jana Small Finance Bank Limited has approved the audited financial results for the quarter and financial year ended 31st March, 2026.

Key Highlights for Q4 and FY26 performance:

- Highest ever disbursement of Rs 7,894 Crs recorded in Q4 FY26; growth of 16% over Q3 FY26

- Asset GLP stands at ₹36,289 crores, growing by 23% y-o-y (9% q-o-q); 73% of GLP now Secured.

- Secured assets grows by 28% y-o-y (9% q-o-q) and Unsecured grows by 9% y-o-y (10% q-o-q)

- Total Deposits stands at ₹35,784 crores

* Deposits growth of 23% y-o-y (6% q-o-q)
* CASA grows by 23% y-o-y (-5% q-o-q); TD growth of 23% y-o-y (9% q-o-q)
* Credit to Deposit ratio stands at 94.5%

- Capital Adequacy ratio at 19.4% with Tier-1 CRAR of 17.5%

- GNPA ratio is 2.3% and NNPA ratio is 0.9% with PCR at 76.0% (including technical write-off)

- PAT of ₹140 crores for Q4 FY26.

- Overall SMA as on 31st March 2026 (3.66%) is lower than as on 31st March 2024 (3.99%) when the MFI flows began.

- Slippages for Q4 FY26 is lower by 24% vs Q3 FY26

- Credit cost % reduced from 0.79% in Q3 FY26 to 0.47% for Q4 FY26

- Q4 FY26 NIM improved to 7.22% from 6.61% in Q3

- Cost of Funds for Q4 is at 7.46% vs 7.71% in Q3

Commenting on the performance, Mr. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said " 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."

Shares of Jana Small Finance Bank Limited was last trading in BSE at Rs. 466.05 as compared to the previous close of Rs. 491.65. The total number of shares traded during the day was 22785 in over 947 trades.

The stock hit an intraday high of Rs. 500.35 and intraday low of 460.35. The net turnover during the day was Rs. 10886118.00.

Source : Equity Bulls

Keywords

JanaSmallFinanceBank OtherBank JSFB Q4FY26 FY2026 ResultUpdate