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Jana Small Finance Bank share price & results

Jana Small Finance Bank Limited· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Bengaluru small finance bank offering secured, microfinance loans, deposits and banking to underserved India.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue1,587 ₹ crore+22.6% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit170 ₹ crore+126.7% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity9.72 %−5.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)20.94 %−1.8 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

9 of 13 judged targets kept · 15 open · verdicts reflect calls analysed to Q1 FY27.

Jana Small Finance Bank Limited management guidance track record on Inve: 28 targets tracked across analysed earnings calls (9 achieved, 4 missed, 15 open).

TargetOriginal wordingSaidLatest callVerdict
Secured Advances % of Total68-70% by end of FY25
Call transcript, Q2 FY25 · 21 Oct 2024		Q2 FY25Q1 FY27:Previously achieved. Secured assets grew 29% YoY, maintaining the strategic focus.
Call transcript, Q1 FY27 · 15 Jul 2026		Achieved
PAT Growthcloser to 30%
Call transcript, Q2 FY25 · 21 Oct 2024		Q2 FY25Q1 FY27:Not addressed. Promise is from FY25 and has long been superseded.
Call transcript, Q1 FY27 · 15 Jul 2026		Ghosted
Cost-to-Income Ratio60-62% by Q2/Q3 FY27
Call transcript, Q3 FY26 · 6 Feb 2026		Q3 FY26Q1 FY27:CTI was 66.7%. Management revised FY27 guidance to 63-65%, a step back from the 'below 60%' ambition mentioned in Q4 and worse than the original 60-62% target.
Call transcript, Q1 FY27 · 15 Jul 2026		Revised Down

Source: Inve Guidance Tracker for Jana Small Finance Bank Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

4 of Jana Small Finance Bank Limited's 28 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 25 more targets are in the full ledger.

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Price

₹389.7 +2.90% · +₹11

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −12.6% 1Y

₹350₹400₹450₹500₹550₹600Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 24 Oct 2025Q3 FY26 — 6 Feb 2026Q4 FY26 — 29 Apr 2026Q1 FY27 — 15 Jul 2026

1Y: ₹445.85 on 24 Oct 2025 → ₹389.7. High ₹584.85 (3 Aug 2026), low ₹341.85 (9 Mar 2026).

Previous close
₹378.7
Market cap
₹4.0k Cr
52-week range
₹341.85 – ₹584.85
One year
−14.82%
Price to earnings (TTM to Sept 2026)
8.44×
Return on equity (TTM to Sept 2026)
9.72%

Overview

Symbol
NSE:JSFB
Exchange
NSE
Currency
INR

What Jana Small Finance Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

Jana Small Finance Bank is a Bengaluru-headquartered scheduled bank that lends to and takes deposits from underserved, aspirational segments of India through its own branch network. It earns through interest income on a mix of secured loans (affordable housing, micro loan-against-property, MSME, vehicle and gold loans) and unsecured microfinance loans to individuals and groups, alongside fee income from mobilising CASA and term deposits and cross-selling insurance, wealth and payment products through its branches and digital channels.

Segments

  • Secured Advances
  • Unsecured Advances (Microfinance)
  • Deposits & Liabilities
Banking outlets
822
Geographic presence
23 states and 2 union territories
Employees
26,246
Customers served since 2008
Over 12 million
Active customers
4.3 million
ATMs
62
Founded 2006Headquarters Bengaluru, Karnataka, IndiaEmployees 26,246 (31 March 2026) Company website

How the price took the results

close before → close after

Q1 FY27
−0.2%
15 Jul
Q4 FY26
−5.2%
29 Apr
Q3 FY26
+1.8%
6 Feb

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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