Jana Small Finance Bank Limited share price
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi…Read more
- Market Cap₹ 5,192 Cr.
- Current Price₹ 490.60
- High / Low₹ 607 / 330
- Stock P/E13.7
- Book Value₹ 425
- Dividend Yield0.00 %
- Price / Book1.16
- ROE7.60 %
- Face Value₹ 10.0
More figures (8)
- EPS (TTM)₹ 35.93
- Net margin9.7 %
- Sales growth (4Y)14.8 %
- Profit growth (4Y)8.4 %
- Promoter holding47.4 %
- EV / EBITDA—
- Beta0.56
- All-time high₹ 761
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| JSFB | -3.16% | -1.43% | +24.01% | +15.35% | +6.33% | — | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Jana Small Finance Bank Limited is in the Banks - Regional industry (Financial Services), with a market value of ₹5,192 crore.
- It trades at 13.7 times its last 12 months' earnings and 1.2 times book value.
- Revenue grew 14.8% a year over the last 4 years, profit 8.4% a year.
- Return on equity was 7.6% in the latest year.
- The share price is 19.2% below its 52-week high and up 6.3% over one year.
- Promoters and insiders hold about 47.4%; institutions about 16.8%.
Pros
AI- Latest quarter (Jun 2026): sales up 21% and profit up 52% from a year ago.
- Healthy return on equity of 15.2% on average over the last 3 years.
Cons
AI- Promoter holding has fallen by 5.67 points over 11 quarters, to 16.87%.
- Trades at 13.7 times earnings, above its 3-year median of 10.3.
- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Jana Small Finance Bank Limited
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was founded in 1999 and is headquartered in Bengaluru, India.
- Employees
- 26,246
- Head office
- Bengaluru
- NSE industry
- Financial Services
Peer comparison
Financial ServicesFinancial ServicesBanks - Regional
Part ofNifty Microcap 250
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Jana Small Finance Bank | 490.60 | 13.7 | 5,192 | 0.00 | 155 | 52.29 | 1,515 | 21.15 | — | 7.6 | 1.16 | — | 1.02 | 47.44 | 5,353 | 14.8 |
| 2. | HDFC Bank | 728.85 | 15.9 | 11,23,776 | 1.79 | 20,383 | 19.26 | 90,575 | 3.67 | — | 8.9 | 1.85 | — | 0.81 | 0.18 | 3,48,615 | 16.9 |
| 3. | ICICI Bank | 1,397.00 | 18.1 | 10,02,968 | 0.86 | 15,440 | 13.88 | 38,366 | 7.73 | — | 16.0 | 2.63 | — | 0.57 | 3.54 | 2,23,407 | 18.1 |
| 4. | State Bank of India | 962.60 | 10.3 | 8,88,554 | 1.81 | 24,113 | 23.02 | 97,814 | -3.47 | — | 15.4 | 1.43 | — | 1.22 | 57.23 | 3,81,709 | 12.2 |
| 5. | Kotak Mahindra Bank | 447.40 | 21.9 | 4,45,068 | 0.15 | 5,480 | 22.55 | 22,366 | 16.63 | — | 11.4 | 2.46 | — | 0.53 | 28.41 | 75,789 | 13.5 |
| 6. | Axis Bank | 1,290.00 | 14.5 | 4,01,677 | 0.08 | 7,632 | 2.10 | 22,998 | 5.32 | — | 13.1 | 1.80 | — | 1.30 | 3.33 | 88,067 | 12.2 |
| 7. | Punjab National Bank | 116.30 | 6.1 | 1,33,663 | 2.61 | 5,815 | 16.54 | 15,370 | -1.85 | — | 13.0 | 0.85 | — | 0.58 | 70.08 | 62,620 | 10.0 |
| 8. | Union Bank of India | 171.68 | 6.3 | 1,31,054 | 2.90 | 5,642 | 12.58 | 15,455 | -2.48 | — | 15.7 | 0.94 | — | 0.55 | 74.76 | 58,788 | 7.6 |
| 9. | Bank of Baroda | 230.40 | 6.6 | 1,19,148 | 3.73 | 1,783 | -67.10 | 20,016 | 2.00 | — | 12.7 | 0.71 | — | 0.94 | 66.46 | 74,870 | 10.3 |
| 10. | Canara Bank | 118.29 | 5.3 | 1,07,297 | 3.59 | 5,181 | 2.18 | 16,958 | -9.31 | — | 17.7 | 0.84 | — | 1.02 | 64.32 | 64,175 | 5.0 |
| Median: 12 Co. | 469.00 | 12.0 | 1,32,358 | 1.63 | 5,728 | 15.21 | 21,191 | 2.83 | — | 13.6 | 1.36 | — | 0.88 | 52.34 | 75,329 | 12.2 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
No separate related-party filing among the recent announcements of the company.
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|
| 4,013 | 4,710 | 5,353 | 5,648 | |
| YOY Revenue Growth % | 17.36% | 13.65% | ||
| Interest on advances | 3,607 | 4,268 | 4,804 | |
| Income on investments | 358 | 377 | 491 | |
| Interest | 1,886 | 2,317 | 2,760 | 2,837 |
| 2,284 | 2,695 | 3,289 | 3,416 | |
| Employee cost | 975 | 1,210 | 1,460 | 1,524 |
| Other operating expenses | 630 | 732 | 989 | 1,039 |
| Provisions & contingencies | 679 | 753 | 839 | 854 |
| Financing Profit | -157 | -302 | -695 | -605 |
| Financing Margin % | -4% | -6% | -13% | -11% |
| Other Income | 671 | 776 | 1,022 | 985 |
| Profit before tax | 514 | 474 | 326 | 380 |
| Tax % | -6% | |||
| 670 | 501 | 326 | 380 | |
| Profit to shareholders | 670 | 501 | 326 | 380 |
| YOY Profit Growth % | -25.11% | -34.90% | ||
| EPS in Rs | 90.85 | 47.89 | 31.02 | 36.07 |
| Gross NPA % | 0.00% | 0.00% | 0.02% | |
| Net NPA % | 0.00% | 0.00% | 0.01% |
Compounded Sales Growth
- TTM:
- 18%
Compounded Profit Growth
- TTM:
- -12%
Stock Price CAGR
- 1 Year:
- 6%
Return on Equity
- 4 Years:
- 15%
- Last Year:
- 8%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 55 | 105 | 105 | 105 |
| Reserves | 1,742 | 3,473 | 4,013 | 4,365 |
| Borrowings | 5,477 | 4,411 | 3,377 | 4,547 |
| 18,369 | 24,721 | 30,972 | 38,431 | |
| Trade payables | 309 | 979 | 988 | 1,114 |
| Total Liabilities | 25,644 | 32,710 | 38,467 | 47,448 |
| 128 | 142 | 153 | 199 | |
| Gross block | 128 | 142 | 153 | 199 |
| CWIP | 5 | 3 | 3 | 8 |
| Investments | 5,221 | 6,738 | 5,945 | 9,812 |
| 20,290 | 25,828 | 32,366 | 37,429 | |
| Cash & equivalents | 2,089 | 2,028 | 4,449 | 2,550 |
| Total Assets | 25,644 | 32,710 | 38,467 | 47,448 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -1,137 | 708 | 4,073 | 594 | |
| Profit for the year | 256 | 670 | 501 | 326 |
| Working capital changes | -2,205 | -545 | 2,814 | -675 |
| Direct taxes paid | -9 | -17 | -17 | -9 |
| -434 | -780 | -321 | -4,133 | |
| Fixed assets purchased | -26 | -77 | -73 | -122 |
| Fixed assets sold | 0 | 1 | 1 | 1 |
| 2,104 | 33 | -1,331 | 1,641 | |
| Proceeds from borrowings | 1,768 | 880 | 1,005 | 2,930 |
| Repayment of borrowings | -1,946 | -2,842 | -1,759 | |
| Net Cash Flow | 532 | -39 | 2,421 | -1,898 |
| Free Cash Flow | -1,163 | 631 | 4,000 | 471 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE | — | 14.2% | 24.9% | 13.0% | 7.6% |
| Net margin | — | 11.6% | 25.5% | 16.7% | 9.7% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 16.87%
- FIIs 5.10%
- DIIs 16.29%
- Public 61.74%
| % | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 22.54% | 22.54% | 22.38% | 22.35% | 22.28% | 21.88% | 21.87% | 21.86% | 21.85% | 16.94% | 16.87% |
| 1.15% | 1.02% | 1.09% | 0.51% | 0.89% | 0.28% | 1.21% | 4.11% | 4.31% | 4.01% | 5.10% | |
| Foreign portfolio investors (Cat. I) | 1.15% | 1.02% | 1.08% | 0.51% | 0.88% | 0.28% | 0.30% | 2.23% | 2.30% | 3.08% | 4.67% |
| Foreign portfolio investors (Cat. II) | 0.01% | 0.01% | 0.91% | 1.88% | 2.01% | 0.93% | 0.43% | ||||
| 17.69% | 17.73% | 17.99% | 18.46% | 15.88% | 16.03% | 14.81% | 14.89% | 16.27% | 16.35% | 16.29% | |
| Mutual funds | 2.45% | 2.77% | 4.77% | 6.07% | 5.31% | 5.33% | 3.45% | 1.45% | 1.92% | 1.88% | 2.36% |
| Insurance companies | 6.78% | 6.45% | 5.98% | 5.51% | 4.72% | 4.71% | 4.69% | 4.69% | 4.69% | 3.79% | 3.77% |
| Alternative investment funds | 8.47% | 8.51% | 7.24% | 6.89% | 5.86% | 5.99% | 6.67% | 6.78% | 7.68% | 9.64% | 10.15% |
| 58.62% | 58.70% | 58.54% | 58.68% | 60.94% | 61.81% | 62.12% | 59.14% | 57.57% | 62.70% | 61.74% | |
| Retail (up to ₹2 lakh) | 4.71% | 4.23% | 4.84% | 5.69% | 6.33% | 7.28% | 7.81% | 8.42% | 9.05% | 9.24% | 10.15% |
| HNIs (above ₹2 lakh) | 11.92% | 12.26% | 12.59% | 13.51% | 14.67% | 14.46% | 14.83% | 13.17% | 15.00% | 14.86% | 14.81% |
| NRIs | 0.21% | 0.31% | 0.33% | 0.38% | 0.45% | 0.63% | 0.68% | 0.82% | 0.96% | 1.01% | 0.98% |
| Bodies corporate | 13.45% | 13.36% | 12.78% | 11.75% | 11.96% | 11.80% | 11.06% | 11.41% | 13.38% | 19.95% | 19.88% |
| No. of Shareholders | 72,042 | 49,178 | 51,033 | 52,297 | 52,412 | 53,351 | 51,129 | 51,546 | 50,785 | 49,932 | 50,686 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Mutual funds & institutions holding Jana Small Finance Bank
| Holder (above 1%) | Stake |
|---|---|
| Volrado Venture Partners Fund - Iii - Volrado VentAIF | 2.76% |
| Icici Prudential Life Insurance Company LimitedInsurance | 1.53% |
| Singularity Growth Opportunities Fund IiAIF | 1.37% |
| Singularity Equity Fund IAIF | 1.35% |
| Ananta Capital Ventures Fund 1AIF | 1.23% |
| Kotak Balanced Advantage FundMutual fund | 1.22% |
| Bajaj Life Insurance LimitedInsurance | 1.14% |
| Kotak Mahindra Life Insurance Company Ltd.Insurance | 1.10% |
| Singularity Growth Opportunities Fund IAIF | 1.07% |
As named in the shareholding pattern for Sep 2026 filed with NSE; mutual funds together hold 2.36% of the company. Shareholders below 1% are not named in the filing.
Documents
Announcements
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Confirmation of NCD S50 interest payment of ISIN INE953L08337'.16-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Details of Company Secretary and Compliance Officer and Registrar and Share Transfer Agent ( RTA ) of the Bank…08-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Jana Small Finance Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201808-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Half Yearly Statement of Debt Securities as on 30th September 2026'.06-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Confirmation of debentures interest payment ISIN - INE953L08329'.30-Sep-2026
- Shareholders meetingJana Small Finance Bank Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 29, 2026. Further, the company has informed the Ex…30-Sep-2026
- Shareholders meetingJana Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 29, 202629-Sep-2026
- News VerificationThe Exchange has sought clarification from Jana Small Finance Bank Limited with respect to recent news item captioned Exclusive Federal Bank-Jana SFB deal in final stages, may be …25-Sep-2026
- Trading Plan under PITJana Small Finance Bank Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201525-Sep-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Intimation of record date and date of interest payment NCD Series 50 ISIN - INE953L08337'.19-Sep-2026
- Allotment of SecuritiesJana Small Finance Bank Limited has informed the Exchange regarding allotment of 69557 securities pursuant to ESOP/ESPS at its meeting held on September 18, 202618-Sep-2026
- General UpdatesJana Small Finance Bank Limited has informed the Exchange about General Updates17-Sep-2026
Annual reports
Credit ratings
- Credit Rating- OthersJana Small Finance Bank Limited has informed the Exchange about Credit Rating- Others01-Jul-2026
- Credit RatingJana Small Finance Bank Limited has informed the Exchange about Credit Rating18-Feb-2026
- Credit RatingJana Small Finance Bank Limited has informed the Exchange about Credit Rating10-Oct-2025
Concalls & investor meets
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet16-Oct-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Transcript21-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Link of Recording15-Jul-2026
- Investor PresentationJana Small Finance Bank Limited has informed the Exchange about Investor Presentation15-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet14-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet10-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet18-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet09-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet05-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesJana Small Finance Bank Limited has informed the Exchange about Schedule of meet22-May-2026
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 1 Jan 1970
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
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Latest news
From the company (NSE)
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Confirmation of NCD S50 interest payment of ISIN INE953L08337'.NSE filing · 16-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Details of Company Secretary and Compliance Officer and Registrar and Share Transfer Agent ( RTA ) of the Bank…NSE filing · 08-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Jana Small Finance Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 08-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Half Yearly Statement of Debt Securities as on 30th September 2026'.NSE filing · 06-Oct-2026
- UpdatesJana Small Finance Bank Limited has informed the Exchange regarding 'Confirmation of debentures interest payment ISIN - INE953L08329'.NSE filing · 30-Sep-2026
- Shareholders meetingJana Small Finance Bank Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 29, 2026. Further, the company has informed the Ex…NSE filing · 30-Sep-2026
- Shareholders meetingJana Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 29, 2026NSE filing · 29-Sep-2026
- News VerificationThe Exchange has sought clarification from Jana Small Finance Bank Limited with respect to recent news item captioned Exclusive Federal Bank-Jana SFB deal in final stages, may be …NSE filing · 25-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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