JSFB Jana Small Finance Bank Q3 FY26 results (Oct–Dec 2025) and concall
Jana Small Finance Bank reported a turnaround in Q3 FY26, with significant improvement in asset quality metrics like slippages and SMA trends, which had peaked in Q1. The bank achieved its highest disbursals in 18 months, driven by both secured and unsecured segments, alongside robust deposit growth and declining cost of funds. While profitability in Q3 was low at INR 10 crores, management provided strong guidance for Q4 and FY27, expecting substantial reductions in credit cost and a return to healthy ROA/ROE levels.
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What they filed
Q3 FY26: revenue up 16.7%, net profit down 91.0% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 1,177 | 1,184 | 1,241 | 1,294 | 1,374 +17% |
| Net profit | 111 | 123 | 102 | 75 | 10 −91% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
