Jana Small Finance Bank has reported its financial outcomes for the quarter and year ended March 31, 2026. The Bank achieved a net profit of ₹326.43 crore for the full financial year. Key performance indicators show a robust Capital Adequacy Ratio of 19.38%, alongside significant progress in credit quality, with Gross NPA at 2.46% and Net NPA at 0.92%, reflecting the Bank’s steady operational growth and disciplined asset management.
Financial Performance Overview
For the financial year ended March 31, 2026, the Bank recorded a net profit of ₹326.43 crore. The total income for the year reached ₹7,021.90 crore, with interest earned contributing ₹5,352.86 crore. This reflects strong performance across the Bank’s diverse business segments despite prevailing market conditions.
Asset Quality and Capital Strength
The Bank continues to maintain a healthy balance sheet with a Capital Adequacy Ratio (Basel-II) of 19.38%, well above regulatory requirements. Asset quality has remained stable, as evidenced by the Gross NPA ratio of 2.46% and a Net NPA ratio of 0.92%. The Bank’s Net Worth as of the end of the fiscal year stood at ₹4,215.50 crore, further underscoring its financial resilience.
Segment Contributions
The Bank’s operations are divided into key segments, with Retail Banking continuing to serve as a primary revenue driver, contributing ₹8,306.88 crore in segment revenue for the year. The Treasury segment and Corporate/Wholesale Banking also played vital roles in the overall revenue mix, with revenues of ₹1,506.14 crore and ₹399.68 crore respectively, demonstrating a balanced approach to business growth and risk management.
Operational Updates
The Bank continues to prioritize sustainable growth and digital integration within its retail network. Management has affirmed that the proceeds from the issuance of non-convertible securities have been utilized strictly for the purposes specified in the relevant offer documents, with no material deviations reported. The Bank remains committed to transparent financial reporting and continued value creation for its stakeholders.
Source: BSE
