Jana Small FIN Bank Ltd
NSE: JSFB · Other Bank · sector
₹378.70NSE close 2026-10-26
Key numbers
Market cap₹3,989 cr
Price₹378.70
52w high / low₹607 / ₹330
P/E10.5xSector median 12.4x
P/B0.9xSector median 1.1x
Book value₹424.4
Dividend yield–Sector median 0.11%
ROE8.8%Sector median 8.8%
ROA0.80%Sector median 0.84%
Gross NPA2.39%
Net NPA0.91%
CET118.30%
Sales growth 3y–Sector median +31.9%
Profit growth 3y–Sector median +7.1%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Promoter holding fell by 5.00 percentage points in a year, to 16.87% (2026-09-30).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 3 financial years.
- Price ₹378.70 on 2026-10-26: -37.6% from the 52-week high, +14.8% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹586.45 · low ₹341.85
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 1,166 | 1,177 | 1,199 | 1,250 | 1,305 | 1,384 | 1,445 | 1,515 |
| Net interest income | 594 | 593 | 597 | 595 | 618 | 675 | 736 | 782 |
| Operating profit | 299 | 279 | 293 | 298 | 279 | 287 | 335 | 333 |
| Other income | 176 | 177 | 234 | 266 | 247 | 245 | 266 | 227 |
| Net profit | 97 | 111 | 123 | 102 | 75 | 10 | 140 | 155 |
| EPS (₹) | 9.25 | 10.57 | 11.76 | 9.69 | 7.13 | 0.92 | 13.28 | 14.74 |
| Gross NPA % | 0.03 | 0.03 | 0.03 | 2.91 | 2.87 | 2.59 | 2.46 | 2.39 |
| Net NPA % | 0.01 | 0.01 | 0.01 | 0.94 | 0.94 | 0.94 | 0.92 | 0.91 |
| Revenue YoY | +11.9% | +17.6% | +20.5% | +21.1% | ||||
| Profit YoY | -22.5% | -91.2% | +13.2% | +52.3% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 4,013 | 4,710 | 5,353 | 5,648 |
| Net profit | 670 | 501 | 326 | 380 |
| EPS (₹) | 90.85 | 47.89 | 31.02 | 36.07 |
| Revenue growth | +17.4% | +13.7% | +17.8% | |
| Profit growth | -25.1% | -34.9% | -12.2% | |
| Dividend / share (₹) | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | +17.8% |
| Net profit | – | – | -12.3% |
| EPS | – | – | – |
| Share price | – | -9.4% (2y) | -4.6% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 3,577 | 4,118 | 4,470 |
| Borrowings | 5,211 | 3,867 | 5,497 |
| Cash & equivalents | 0 | 0 | 0 |
| Total assets | 32,710 | 38,464 | 47,448 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | 707 | 4,073 | 594 |
| Cash from investing | -780 | -321 | -4,133 |
| Cash from financing | 33 | -1,331 | 1,641 |
| Capex | 0 | 0 | 0 |
| Free cash flow | 707 | 4,073 | 594 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 18.7% | 12.2% | 7.3% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 16.87% |
| FIIs | 5.10% |
| DIIs | 16.29% |
| of which Mutual funds | 2.36% |
| of which Insurance | 3.77% |
| Government | 0.00% |
| Public (non-institutions) | 61.74% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 22.35% | 22.28% | 21.88% | 21.87% | 21.86% | 21.85% | 16.94% | 16.87% |
| Promoter group | % |
|---|---|
| Jana Holdings Limited | 16.87% |
| Jana Capital Limited | 0.00% |
| Jana Urban Foundation | 0.00% |
| Public holders above 1% | % |
|---|---|
| TPG Asia VI SF PTE. Ltd. | 8.07% |
| TVS Motor Company Limited | 4.88% |
| Volrado Venture Partners Fund - III - Volrado Vent | 2.76% |
| Bharti (Satya) Trustees Private Limited | 2.73% |
| Harbourvest Partners Co-investment Fund IV L.P. | 2.37% |
| Sachin Bansal | 1.98% |
| Sunil Kant Munjal | 1.89% |
| Profitex Shares and Securities Private Limited | 1.56% |
| ICICI Prudential Life Insurance Company Limited | 1.53% |
| Singularity Growth Opportunities Fund II | 1.37% |
| Puran Associates Private Limited | 1.37% |
| Singularity Equity Fund I | 1.35% |
| Ananta Capital Ventures Fund 1 | 1.23% |
| Kotak Balanced Advantage Fund | 1.22% |
| Barclays Wealth Trustees India PVT Ltd | 1.17% |
50,686 shareholders. Pledged: – of promoter shares.
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹65,086 cr | 22.7x | 3.3x | 15.4% | 1.49% | 2.10% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,731 cr | 9.3x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,354 cr | 14.4x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹3,989 cr | 10.5x | 0.9x | 8.8% | 0.80% | 2.39% | – | – |
| UTKARSHBNK | ₹2,086 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹1,932 cr | 17.4x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,385 cr | 7.2x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,187 cr | 7.9x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.53% |
| FINOPB | ₹995 cr | 47.6x | 1.2x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Other Retail Units | ₹8,302 cr | 80.4% | ₹20 cr | 0.2% |
| Treasury | ₹1,506 cr | 14.6% | ₹159 cr | 10.6% |
| Corporate/Wholesale Banking | ₹390 cr | 3.8% | ₹18 cr | 4.7% |
| Other Banking operations | ₹115 cr | 1.1% | ₹115 cr | 100.0% |
| Unallocated | ₹12 cr | 0.1% | ₹0 cr | 0.0% |
| Digital Banking Units | ₹5 cr | 0.0% | ₹2 cr | 34.8% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2024-06-11 | Other | Annual General Meeting |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance service: Banking activities I.e. Retail Banking, Treasury, Wholesale Banking, and other Banking Operations.
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | JSFB |
| BSE code | 544118 |
| ISIN | INE953L01027 |
| Face value | ₹10.0 |
| Incorporated | 2006-07-24 |
| Website | www.jana.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.