Jana Small Finance Bank delivered a robust performance for the quarter ended March 31, 2026, reporting a Profit After Tax of ₹140 crore. The bank achieved its highest-ever quarterly disbursement of ₹7,894 crore, supported by a 23% year-on-year growth in both Gross Loan Portfolio and deposits. Strategic focus on a secured lending book, which now constitutes 73% of total assets, continues to drive the bank’s operational resilience and quality growth.
Financial Highlights for Q4 FY26
Jana Small Finance Bank has reported encouraging growth metrics for the final quarter of the 2025-26 financial year. The bank achieved a Profit After Tax (PAT) of ₹140 crore for Q4. Driven by a surge in lending activity, the Gross Loan Portfolio (GLP) reached ₹36,289 crore, marking a 23% year-on-year increase. Notably, the bank recorded its highest-ever quarterly disbursement of ₹7,894 crore, reflecting a 16% growth compared to the previous quarter.
Asset Quality and Portfolio Composition
The bank’s commitment to building a high-quality, secured lending book has yielded positive results. Secured assets grew by 28% year-on-year, and the secured portion of the total lending book now stands at 73%. Reflecting improved risk management, the Gross NPA ratio improved to 2.3%, while the Net NPA ratio stood at 0.9%. Additionally, the credit cost percentage witnessed a significant reduction, dropping from 0.79% in Q3 FY26 to 0.47% in the current quarter.
Deposit Growth and Operational Efficiency
The bank maintained strong momentum in its retail deposit franchise, with total deposits growing to ₹35,784 crore, a 23% increase year-on-year. Operational efficiency also saw gains, with the Net Interest Margin (NIM) improving to 7.22% for Q4, up from 6.61% in the preceding quarter. The Cost of Funds for the period was recorded at 7.46%, demonstrating better management of liabilities compared to the 7.71% reported in Q3.
Future Outlook
Commenting on the results, Mr. Ajay Kanwal, MD and CEO of Jana Small Finance Bank, stated that the quarter reflects the resilience of the bank’s business model. As the organization transitions into the new financial year, it remains focused on sustaining its current growth momentum while maintaining prudent risk management practices and strong governance standards.
Source: BSE
