General information about company |
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|---|---|
| Scrip code | 544118 |
| NSE Symbol | JSFB |
| MSEI Symbol | NOTLISTED |
| ISIN | INE953L01027 |
| Name of bank | JANA SMALL FINANCE BANK LIMITED |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2025 |
| Date of end of financial year | 31-Mar-2026 |
| Date of board meeting when results were approved | 22-Jul-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 14-Jul-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | First quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 22-Jul-2025 12:00:00 |
| End date and time of board meeting | 22-Jul-2025 15:30:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether the company has any related party? | |
| Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? | |
| (I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public | |
| (II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. | |
| (III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? | |
| (a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? | |
| (b) If answer to above question is No, please explain the reason for not complying. | |
| Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? | |
| Latest Date on which RPT policy is updated | |
| Indicate Company website link for updated RPT policy of the Company | |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | No |
| There is no Default. This disclosure not applicable. | |
Financial Results - Banking |
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|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | |
| B | Date of end of reporting period | 30-Jun-2025 | |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 11188400000 | 11188400000 | |
| Income on investments | 1121500000 | 1121500000 | |
| Interest on balances with reserve bank of India and other inter bank funds | 176200000 | 176200000 | |
| Others | 15600000 | 15600000 | |
| Total interest earned | 12501700000 | 12501700000 | |
| 2 | Other income | 2659900000 | 2659900000 |
| 3 | Total income | 15161600000 | 15161600000 |
| Expenses | |||
| 4 | Interest expenses | 6550600000 | 6550600000 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 3510000000 | 3510000000 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 348000000 | 348000000 |
| 2 | Printing and stationery | 37100000 | 37100000 |
| 3 | Advertisement and publicity | 57800000 | 57800000 |
| 4 | Depreciation on bank's property | 167200000 | 167200000 |
| 5 | Director's Fees, allowances and expenses | 6100000 | 6100000 |
| 6 | Auditors' fees and expenses | 6000000 | 6000000 |
| 7 | Law charges | 47700000 | 47700000 |
| 8 | Postage, telegram, telephone etc. | 46500000 | 46500000 |
| 9 | Repairs and maintenance | 120200000 | 120200000 |
| 10 | Insurance & Others | 1283000000 | 1283000000 |
| Total other operating Expenses | 2119600000 | 2119600000 | |
| Total Operating Expenses | 5629600000 | 5629600000 | |
| 6 | Total expenditure excluding provisions and contingencies | 12180200000 | 12180200000 |
| 7 | Operating profit before provision and contingencies | 2981400000 | 2981400000 |
| 8 | Provisions other than tax and contingencies | 1962100000 | 1962100000 |
| 9 | Exceptional items | 0 | 0 |
| 10 | Total profit (loss) from ordinary activities before tax | 1019300000 | 1019300000 |
| 11 | Provision for Tax | 0 | 0 |
| 12 | Net profit (loss) from ordinary activities after tax | 1019300000 | 1019300000 |
| 13 | Extraordinary items net of tax expenses | 0 | 0 |
| 14 | Net profit (loss) for the period | 1019300000 | 1019300000 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 1019300000 | 1019300000 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 1051800000 | 1051800000 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 18.87 | 18.87 | |
| Additional Tier 1 ratio | 1.1 | 1.1 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 9.69 | 9.69 | |
| Diluted earnings per share before extraordinary items | 9.65 | 9.65 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 9.69 | 9.69 | |
| Diluted earnings per share after extraordinary items | 9.65 | 9.65 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 8249300000 | 8249300000 | |
| Amount of net non-performing assets | 2627400000 | 2627400000 | |
| % of gross NPAs | 2.91 | 2.91 | |
| % of net NPAs | 0.94 | 0.94 | |
| Return on assets | 1.07 | 1.07 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
Text Block | |||
| Textual Information(1) | Notes: 1 The above financial results for the quarter ended June 30, 2025, have been reviewed by the Audit Committee and recommended for adoption to the Board of Directors. The Board of Directors of the Bank have considered and approved the same at its meeting held on July 22, 2025. The above financial results for the quarter ended June 30, 2025, have been reviewed by the joint statutory auditors, S.R. Batliboi & Associates LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants. 2 The Bank has applied its significant accounting policies in the preparation of these financial results for the quarter ended June 30, 2025 consistent with those followed in the annual financial statements for the year ended March 31, 2025 except for fees paid /received for priority sector lending certificates (PSLC) which was recognised earlier as expense for purchase and income for sale of the PSLC respectively on upfront basis which is now amortised on quarterly basis over the period of the certificate. Accordingly, Bank has recognised PSLC income of Rs. 18.01 crores and PSLC expense of Rs. 0.62 crores during this quarter and has unamortised PSLC income of Rs. 54.04 crores and PSLC expense of Rs. 1.87 crores respectively; and accordingly the net profit for the quarter is lower by Rs. 52.17 crores, therefore the amounts for the previous quarter and corresponding period of the previous year are not comparable. 3 These financial results of the Bank have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards as prescribed under Section 133 of the Companies Act, 2013 read with the relevant rules issued thereunder, the relevant provisions of the Banking Regulation Act 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (RBI) from time to time and other accounting principles generally accepted in India and in compliance with the presentation and disclosure requirements of the Regulation 33 and 52 read with Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015, as amended including relevant circulars issued by SEBI from time to time. 4 The comparative figures of the quarter ended March 31, 2025 included in these financial result are the balancing figures between audited figures in respect of the full financial year 2024-25 and published unaudited year to date figures upto December 31, 2024 which were subjected to limited review. 5 During the quarter ended June 30, 2025, the Bank has allotted 1,20,181 shares pursuant to exercise of stock options under Employee Stock Option Scheme. 6 Details of loans not in default and stressed loans (NPA and SMA accounts) acquired and transferred during the quarter ended June 30, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated 24th September, 2021 are given below: a) The Bank has not purchased any loans not in default during the quarter ended June 30, 2025. b) Details of Special Mention Account (SMA) transferred during the quarter ended June 30, 2025. Particulars : To ARCs(Rs. in crores) No of accounts :16,770 Aggregate principal outstanding of loans transferred (on the date of transfer): 55.06 Weighted average residual tenor of the loans transferred (Years):0.58 Net book value of the loans transferred (at the time of transfer): 41.29 Aggregate consideration : 41.63 Additional consideration realized in respect of accounts transferred in earlier years :- c) Details of Non-Performing Assets transferred during quarter ended June 30, 2025. Rs in crores Particulars : To ARCs No of accounts : 42,074 Aggregate principal outstanding of loans transferred (on the date of transfer):183.66 Weighted average residual tenor of the loans transferred (Years):5.09 Net book value of the loans transferred (at the time of transfer):134.97 Aggregate consideration: 135.75 Additional consideration realized in respect of accounts transferred in earlier years :- d) Details of ratings of Security Receipts (SRs) outstanding as on June 30, 2025 are given below Rating Rating Agency Recovery Rating Gross value of SRs outstanding RR1 Infomerics 100% to 150% 199.68 RR1 ICRA 100% to 150% 42.01 RR1 Brickwork 100% to 150% 449.03 RR1+ Infomerics More than 150% 137.43 In process of getting rated 178.72 Total 1,006.87 e) The Bank has not acquired any stressed loan. 7 Other income includes fees earned by providing services to customers, income from sale of priority sector lending certificates, profit on sale of investments (net), income from sale of prudentially written off accounts to ARCs, commission income from non fund based banking activities and recoveries from written off accounts. 8 The Capital Adequacy Ratio (CAR) has been computed in accordance with RBI Circular No. RBI/2016-17/81 DBR.NBD.No. 26/16.13.218/2016-17 dated October 6, 2016 on Operating Guidelines for Small Finance Banks. As per the said circular, prudential regulatory framework will largely be drawn from the Basel standards for capital requirements and Basel II standardized approach for credit risk. Further, the RBI vide its Circular No. DBR.NBD.No.4502/16.13.218/2017-18 dated November 08, 2017 has provided an exemption to all Small Finance Banks whereby no separate capital charge is prescribed for market risk and operational risk. Further, Pillar III disclosures including leverage ratio, liquidity coverage ratio and net stable funding ratio under the Basel III Framework would be available on the Bank's website at the following link: https://www.janabank.com/regulatory-disclosures/. These disclosures have not been subjected to audit/review by the Joint Statutory Auditors. 9 Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/joint venture company(ies), as on June 30, 2025. 10 Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation. | ||
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Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
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|---|---|---|---|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
| Date of start of reporting period | 01-Apr-2025 | ||||||
| Date of end of reporting period | 30-Jun-2025 | ||||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury | 4056700000 | 4056700000 | ||||
| 2 | Corporate/Wholesale Banking | 866200000 | 866200000 | ||||
| 3 | Digital Banking Units | 11200000 | 11200000 | ||||
| 4 | Other Retail Units | 19295500000 | 19295500000 | ||||
| 5 | Other Banking operations | 495300000 | 495300000 | ||||
| 6 | Unallocated | 15600000 | 15600000 | ||||
| Total Segment Revenue | 24740500000 | 24740500000 | |||||
| Less: Inter segment revenue | 9579000000 | ||||||
| Income from operations | 15161500000 | 15161500000 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury | 742600000 | 742600000 | ||||
| 2 | Corporate/Wholesale Banking | 24200000 | 24200000 | ||||
| 3 | Digital Banking Units | 3700000 | 3700000 | ||||
| 4 | Other Retail Units | -262100000 | -262100000 | ||||
| 5 | Other Banking operations | 510900000 | 510900000 | ||||
| 6 | Unallocated | 0 | 0 | ||||
| Total Profit before tax | 1019300000 | 1019300000 | |||||
| i. Finance cost | 0 | ||||||
| ii. Other Unallocable Expenditure net off Unallocable income | 0 | ||||||
| Profit before tax | 1019300000 | 1019300000 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury | 106098100000 | 106098100000 | ||||
| 2 | Corporate/Wholesale Banking | 35604000000 | 35604000000 | ||||
| 3 | Digital Banking Units | 156200000 | 156200000 | ||||
| 4 | Other Retail Units | 247388200000 | 247388200000 | ||||
| 5 | Other Banking operations | 386000000 | 386000000 | ||||
| 6 | Unallocated | 0 | 0 | ||||
| 7 | Treasury | 106098100000 | 106098100000 | ||||
| 8 | Corporate/Wholesale Banking | 35604000000 | 35604000000 | ||||
| 9 | Digital Banking Units | 156200000 | 156200000 | ||||
| 10 | Other Retail Units | 247388200000 | 247388200000 | ||||
| 11 | Other Banking operations | 386000000 | 386000000 | ||||
| 12 | Unallocated | 0 | 0 | ||||
| Total Segment Assets | 389632500000 | 389632500000 | |||||
| Un-allocable Assets | 4038700000 | 4038700000 | |||||
| Net Segment Assets | 393671200000 | 393671200000 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury | 43616900000 | 43616900000 | ||||
| 2 | Corporate/Wholesale Banking | 141800000 | 141800000 | ||||
| 3 | Digital Banking Units | 82600000 | 82600000 | ||||
| 4 | Other Retail Units | 307122300000 | 307122300000 | ||||
| 5 | Other Banking operations | 31000000 | 31000000 | ||||
| 6 | Unallocated | 0 | 0 | ||||
| 7 | Treasury | 43616900000 | 43616900000 | ||||
| 8 | Corporate/Wholesale Banking | 141800000 | 141800000 | ||||
| 9 | Digital Banking Units | 82600000 | 82600000 | ||||
| 10 | Other Retail Units | 307122300000 | 307122300000 | ||||
| 11 | Other Banking operations | 31000000 | 31000000 | ||||
| 12 | Unallocated | 0 | 0 | ||||
| Total Segment Liabilities | 350994600000 | 350994600000 | |||||
| Un-allocable Liabilities | 361100000 | 361100000 | |||||
| Net Segment Liabilities | 351355700000 | 351355700000 | |||||
| Disclosure of notes on segments | Segment Notes: Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. Digital Banking Segment is reported as a sub-segment of Retail Banking Segment related to Digital Banking Units of the Bank in India. a) Treasury The treasury segment primarily consists of entire investment portfolio of the Bank. b) Retail Banking The retail banking segment serves retail customers through a branch network. Exposures are classified under retail banking taking into account the status of the borrower (orientation criterion), the nature of product, granularity of the exposure and the quantum thereof. Revenues of the retail banking segment are primarily derived from interest and fees earned on retail loans, interest on deposits placed as collateral with banks and financial institutions. Expenses of this segment primarily comprise interest expense on borrowings, deposits, infrastructure and premises expenses for operating the branch network, personnel costs and other direct overheads. c) Wholesale Banking Wholesale Banking includes all advances to companies and statutory bodies, which are not included under Retail Banking. d) Other Banking Operation Other Banking includes other items not attributable to any particular business segment. e) Unallocated All items which are reckoned at an enterprise level are classified under this segment. This includes capital and reserves, and other unallocable assets, liabilities and revenue not identifiable to particular segment such as deferred tax, tax assets, interest on tax refunds etc. | ||||||