| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 15-07-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 01-07-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| 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 | 15-07-2026 12:00:00 |
| End date and time of board meeting | 15-07-2026 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 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? | Yes |
| No. of times funds raised during the quarter | 1 |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | No |
| Not applicable as there is no default | |
| 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | 1,37,927.00 | 1,37,927.00 | |
| Income on investments | 12,334.00 | 12,334.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,143.00 | 1,143.00 | |
| Others | 49.00 | 49.00 | |
| Total interest earned | 1,51,453.00 | 1,51,453.00 | |
| 2 | Other income | 22,692.00 | 22,692.00 |
| 3 | Total income | 1,74,145.00 | 1,74,145.00 |
| Expenses | |||
| 4 | Interest expenses | 73,206.00 | 73,206.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 41,486.00 | 41,486.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 4,177.00 | 4,177.00 |
| 2 | Printing and stationery | 348.00 | 348.00 |
| 3 | Advertisement and publicity | 942.00 | 942.00 |
| 4 | Depreciation on bank's property | 2,057.00 | 2,057.00 |
| 5 | Director's Fees, allowances and expenses | 88.00 | 88.00 |
| 6 | Auditors' fees and expenses | 67.00 | 67.00 |
| 7 | Law charges | 620.00 | 620.00 |
| 8 | Postage, telegram, telephone etc. | 600.00 | 600.00 |
| 9 | Repairs and maintenance | 1,452.00 | 1,452.00 |
| 10 | Insurance & Other expenditure | 15,786.00 | 15,786.00 |
| Total other operating Expenses | 26,137.00 | 26,137.00 | |
| Total Operating Expenses | 67,623.00 | 67,623.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 1,40,829.00 | 1,40,829.00 |
| 7 | Operating profit before provision and contingencies | 33,316.00 | 33,316.00 |
| 8 | Provisions other than tax and contingencies | 17,793.00 | 17,793.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 15,523.00 | 15,523.00 |
| 11 | Provision for Tax | 0.00 | 0.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 15,523.00 | 15,523.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 15,523.00 | 15,523.00 |
| 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 | 15,523.00 | 15,523.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 10,534.00 | 10,534.00 | |
| 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 | 18.300 | 18.300 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 14.74 | 14.74 | |
| Diluted earnings per share before extraordinary items | 14.69 | 14.69 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 14.74 | 14.74 | |
| Diluted earnings per share after extraordinary items | 14.69 | 14.69 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 84,110.00 | 84,110.00 | |
| Amount of net non-performing assets | 31,426.00 | 31,426.00 | |
| % of gross NPAs | 2.3900 | 2.3900 | |
| % of net NPAs | 0.9100 | 0.9100 | |
| Return on assets | 1.3500 | 1.3500 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Notes: 1 The above financial results for the quarter ended June 30, 2026, 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 15, 2026. The above financial results for the quarter ended June 30, 2026, have been subjected to limited review 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, 2026 consistent with those followed in the annual financial statements for the year ended March 31, 2026. 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 During the quarter ended June 30, 2026, the Bank has allotted 16,489 shares pursuant to exercise of stock options under Employee Stock Option Scheme. Further, during the quarter Bank had issued 88,43,000 share warrants to investors against which bank had received 25% of issue price i.e. Rs. 102.76 crores and 75% will be received on or before 18 months from issue date if conversion option is excersied. Each warrant carries the right to subscribe to one fully paid up equity share of the Bank having a face value of Rs. 10 per share upon excersice. Issue of share warrants has resulted in increase of capital adequacy ratio by 43 basis points. 5 Details of loans not in default and stressed loans (NPA and SMA accounts) acquired and transferred during the quarter ended June 30, 2026 as per 'Reserve Bank of India (Small Finance Banks - Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, are given below: a) Details of loans not in default acquired or transferred during the quarter ended June 30, 2026 are as below: (i) The Bank has not acquired any loans not in default during the quarter ended June 30, 2026 (ii) The Bank has transferred loans not in default during the quarter ended June 30, 2026 as below: Particulars Retail Segment Mode of Transfer Assignment Aggregate principal outstanding of loans (on the date of transfer) (Rs. in crores) 284.65 Weighted average residual maturity (Years) 15.43 Weighted average holding period (Years) 1.96 Retention of beneficial economic interest 10% Tangible security coverage (times) 1.57 b) The Bank has not acquired or transferred any Special Mention Account (SMA) during the quarter ended June 30, 2026. c) Details of Non-Performing Assets transferred during quarter ended June 30, 2026. Particulars To ARCs Number of accounts 44,265 Aggregate principal outstanding of loans transferred (on the date of transfer) (Rs. in crores) 254.74 Weighted average residual tenor of the loans transferred (Years) 6.96 Net book value of the loans transferred (at the time of transfer) (Rs. in crores) 152.16 Aggregate consideration (Rs. in crores) 151.67 Additional consideration realized in respect of accounts transferred in earlier years - d) The Bank has not acquired any Non-performing Asset during the quarter ended June 30, 2026. e) Details of ratings of Security Receipts (SRs) outstanding as on June 30, 2026 are given below: (Rs. in crores) Rating Rating Agency Recovery Rating Gross value of outstanding SRs RR 1+ Infomerics More than 150% 179.84 RR 1 Brickwork rating 100% to 150% 709.93 RR 1 Infomerics 100% to 150% 135.64 RR 1 ICRA 100% to 150% 29.34 RR 2 Infomerics 75% to 100% 52.90 RR 2 India ratings 75% to 100% 20.51 RR 2 CRISIL rating 75% to 100% 16.67 In process of getting rated 347.47 Total 1,492.30 f) The Bank has not entered into any co-lending transaction during the quarter. 6 Other income includes fees earned from customer services, income from the sale of priority sector lending certificates, profit on the sale of investments (net), Income from ARCs (net), commission income from non fund based banking activities, and recoveries from written off accounts, etc. 7 The Capital Adequacy Ratio (CAR) is computed in accordance with the RBI Master Direction DOR.CAP.REC.101/21-01-002/2025-26 dated November 28, 2025 as ammended and the CAR for the corresponding, previous period is computed on the basis of the applicable RBI guideline on the relevant reporting dates. Further, Pillar III disclosures including leverage ratio, liquidity coverage ratio and net stable funding ratio under the Basel II Framework would be available on the Bank's website at the following link: https://www.jana.bank.in/regulatory-disclosures/. These disclosures have not been subjected to audit/review by the Joint Statutory Auditors. 8 Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/joint venture company(ies), as on June 30, 2026. 9 The Bank does not have any exposure to Project Finance, hence the disclosure as per 'Reserve Bank of India (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, on Project Finance is not applicable for the quarter ended June 30, 2026. 10 The comparative figures of the quarter ended March 31, 2026 included in these financial result are the balancing figures between audited figures in respect of the full financial year 2025-26 and published unaudited year to date figures upto December 31, 2025 which were subjected to limited review. 11 Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation. |
|---|
| 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 | 01-04-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-06-2026 | 30-06-2026 | |||||
| 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 | 38,727.00 | 38,727.00 | ||||
| 2 | Corporate/Wholesale Banking | 9,955.00 | 9,955.00 | ||||
| 3 | Digital Banking Units | 439.00 | 439.00 | ||||
| 4 | Other Retail Units | 2,26,667.00 | 2,26,667.00 | ||||
| 5 | Other Banking operations | 2,774.00 | 2,774.00 | ||||
| 6 | Unallocated | 48.00 | 48.00 | ||||
| Total Segment Revenue | 2,78,610.00 | 2,78,610.00 | |||||
| Less: Inter segment revenue | 1,04,465.00 | 1,04,465.00 | |||||
| Income from operations | 1,74,145.00 | 1,74,145.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury | 5,165.00 | 5,165.00 | ||||
| 2 | Corporate/Wholesale Banking | 535.00 | 535.00 | ||||
| 3 | Digital Banking Units | 225.00 | 225.00 | ||||
| 4 | Other Retail Units | 6,777.00 | 6,777.00 | ||||
| 5 | Other Banking operations | 2,774.00 | 2,774.00 | ||||
| 6 | Unallocated | 47.00 | 47.00 | ||||
| Total Profit before tax | 15,523.00 | 15,523.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |||||
| Profit before tax | 15,523.00 | 15,523.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury | 11,05,452.00 | 11,05,452.00 | ||||
| 2 | Corporate/Wholesale Banking | 4,34,169.00 | 4,34,169.00 | ||||
| 3 | Digital Banking Units | 2,416.00 | 2,416.00 | ||||
| 4 | Other Retail Units | 30,93,544.00 | 30,93,544.00 | ||||
| 5 | Other Banking operations | 1,901.00 | 1,901.00 | ||||
| 6 | Unallocated | 0.00 | 0.00 | ||||
| Total Segment Assets | 46,37,482.00 | 46,37,482.00 | |||||
| Un-allocable Assets | 43,723.00 | 43,723.00 | |||||
| Net Segment Assets | 46,81,205.00 | 46,81,205.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury | 4,86,126.00 | 4,86,126.00 | ||||
| 2 | Corporate/Wholesale Banking | 1,732.00 | 1,732.00 | ||||
| 3 | Digital Banking Units | 1,225.00 | 1,225.00 | ||||
| 4 | Other Retail Units | 37,16,183.00 | 37,16,183.00 | ||||
| 5 | Other Banking operations | 296.00 | 296.00 | ||||
| 6 | Unallocated | 0.00 | 0.00 | ||||
| Total Segment Liabilities | 42,05,562.00 | 42,05,562.00 | |||||
| Un-allocable Liabilities | 2,453.00 | 2,453.00 | |||||
| Net Segment Liabilities | 42,08,015.00 | 42,08,015.00 | |||||
| Disclosure of notes on segments | Capital employed - 4,731.90 Crores for the quarter ended June 30, 2026 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 unallocated. This includes capital, reserves & surplus and share warrant initial subscription money and other unallocable assets, liabilities and revenue not identifiable to particular segment such as deferred tax, tax assets, interest on tax refunds etc. | ||||||
| Mode of Fund Raising | Preferential Issues |
|---|---|
| Description of mode of fund raising (Applicable in case of others is selected) | |
| Date of Raising Funds | 24-06-2026 |
| Amount Raised | 10,276.00 |
| Report filed for Quarter ended | 30-06-2026 |
| Monitoring Agency | Not Applicable |
| Monitoring Agency Name, if applicable | |
| Is there a Deviation / Variation in use of funds raised | No |
| If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders | |
| If Yes, Date of shareholder Approval | |
| Explanation for the Deviation / Variation | No deviation or variation hence not applicable and utilized the funds towords objectives mentioned in the offer letter |
| Comments of the Audit Committee after review | Audit committee noted the Utilisation of proceeds of issue |
| Comments of the auditors, if any | No comments from auditors |
| Sr. | Original Object | Modified Object, if any | Original Allocation | Modified allocation, if any | Funds Utilised | Amount of Deviation/Variation for the quarter according to applicable object | Remarks if any |
| 1 | Objects of the Preferential Issue The capital infusion will be utilized by the Bank for augmentation of its Tier-1 capital. The Bank is raising funds to support its business objectives, including, without limitation, for augmenting Tier-1 capital, meeting working capital and general corporate requirements, pursuing organic and inorganic growth opportunities, undertaking acquisitions, strategic investments, joint ventures or partnerships, refinancing existing obligations, strengthening its balance sheet, and for any other purposes that the Board may, in its discretion, determine to be in the best interests of the Bank, subject to applicable laws. 25% (twenty-five) of the proceeds of the Preferential Issue will be received by the Bank at the time of the Preferential Issue of the Warrants. The remaining proceeds shall be received by the Bank once the Warrants are exercised by the Proposed Allottees, in one or more tranches, which shall not be later than 18 (eighteen) months from the date of allotment of Warrants in terms of Chapter V of the SEBI ICDR Regulations and as estimated by our management, the entire proceeds received from the Preferential Issue would be utilized, subject to compliance with applicable laws, for the above mentioned Objects, in phases, as per the Bank’s business requirements and availability of issue proceeds. If the proceeds are not utilised (in full or in part) for the Objects stated above, the remaining proceeds shall be utilised in such manner as may be determined by the Board in accordance with applicable laws. Interim Use of Proceeds: The Bank, in accordance with the policies formulated by our Board from time to time, will have flexibility to deploy the net proceeds of the Preferential Issue. Pending complete utilization for the Objects described above, the Bank intends to, inter alia, invest the net proceeds as permitted under applicable laws. | NA | 10,276.00 | 0.00 | 10,276.00 | 0.00 | The capital raised has been absorbed as part of the Tier 1 capital |
| Name of signatory | Lakshmi R N |
|---|---|
| Designation of person | Company Secretary and Compliance Officer |
| Place | Bangalore |
| Date | 15-07-2026 |