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SMALL FINANCE BANK LIMITEDEquity2024-04-012025-03-312025-04-292025-04-23INRCroresQuarterlyFourth quarterMulti segment2025-04-2915:00:002025-04-2916:30:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2022-02-09https://www.janabank.com/about-us/leadership-governance/policies//falsefalseNot applicable as there is no default2025-01-012025-03-31AuditedStandalone1089350000085900000022470000015600000119928000002338800000143316000006023800000327200000021073000005379300000114031000002928500000173010000001198400000-36400000123480000001234800000123480000010506000001000.002011.7611.7111.7611.71749600000025418000000.00030.00010.0001Notes: <BR> 1. The above financial results for the quarter and year ended March 31, 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 April 29, 2025. The above financial results for the quarter and year ended March 31, 2025, have been audited by the joint statutory auditors, S.R. Batliboi & Associates LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants. The financial results for the quarter and year ended March 31, 2024 were audited by predecessor auditors. <BR> 2. "The Bank has followed consistently the same significant accounting policies in the preparation of these financial results for the quarter and year ended March 31, 2025 with those followed in the annual financial statements for the year ended March 31, 2024, except for the classification and valuation of investments which is as per the Master Direction No. RBI/DOR/2023'24/104 DOR.MRG.36 /21.04.141/2023-24 on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 issued by Reserve Bank of lndia dated September 12, 2023 which is applicable from April 1, 2024. <BR> In compliance with the RBI's Master Directions on Investments, the Bank has accounted net transition discount accretion of Rs 2.47 crores in General Reserve as on April 01, 2024. The Bank has also transferred balance in Investment Reserve amounting to Rs 0.30 crores on the date of the transition to General Reserve. Accordingly, amounts for the corresponding period of the previous year are not comparable." <BR> 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 of the SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015, as amended including relevant circulars issued by SEBI from time to time. <BR> 4. The figures of the last quarter in each of the financial years are the balancing figures between audited figures in respect of the full financial year and unaudited published year to date figures upto the end of the third quarter of the respective financial years which were subjected to limited review. <BR> 5. During the quarter and year ended March 31, 2025, the Bank has allotted 3,14,193 and 4,66,248 shares respectively pursuant to exercise of stock options under Employee Stock Option Scheme. <BR> 6. The disclosure requirements as required by RBI circular dated August 6, 2020 (Resolution Framework 1.0) and May 5, 2021 (Resolution Framework 2.0) as at March 31, 2025 is given below: <BR> Type of Borrower Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half-year i.e September 30, 2024 (A) ** Of (A), aggregate debt that slipped into NPA during the period ended March 31, 2025 Of (A) amount written off during the half-year# Of (A) amount paid by the borrowers during the half year^ "Exposure to accounts classified <BR> as Standard consequent to <BR> implementation of resolution plan – <BR> Position as at March 31, 2025" <BR> Personal Loans 13.55 0.86 0.34 1.62 11.07 <BR> Corporate Loans* - - - - - <BR> of which, MSMEs - - - - - <BR> Others 4.64 0.99 - 0.87 2.78 <BR> Total 18.19 1.85 0.34 2.49 13.85 <BR> "*As defined in section 3(7) of the Insolvency and Bankruptcy Code, 2016 <BR> ** Includes cases where requests received till 30th September, 2021 and implemented subsequently <BR> # represents debt that slipped into NPA and was subsequently written off during the half-year <BR> ^ includes change in balances on account of interest" <BR> <BR> 7. Details of loans not in default and stressed loans (NPA and SMA accounts) acquired and transferred during the quarter ended March 31, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated 24th September, 2021 are given below: <BR> a) The Bank has not transferred any loans not in default to other entities during the quarter ended March 31, 2025. <BR> b) The Bank has not purchased any loans not in default during the quarter ended March 31 2025. <BR> c) Details of stressed loans transferred during quarter ended March 31, 2025. <BR> <BR> Rs in crores <BR> Particulars To ARCs <BR> No of accounts 80,582 <BR> Aggregate principal outstanding of loans transferred (on the date of transfer) 360.60 <BR> Weighted average residual tenor of the loans transferred (Years) 3.74 <BR> Net book value of the loans transferred (at the time of transfer) 238.62 <BR> Aggregate consideration 242.32 <BR> Additional consideration realized in respect of accounts transferred in earlier years - <BR> <BR> d) Details of ratings of Security Receipts (SRs) outstanding as on March 31, 2025 are given below <BR> <BR> Rs in crores <BR> Rating Rating Agency Recovery Rating Gross value of SRs outstanding <BR> RR1 Infomerics 100% to 150% 226.78 <BR> RR1 ICRA 100% to 150% 44.15 <BR> RR1 Brickwork 100% to 150% 134.71 <BR> RR1+ Infomerics More than 150% 156.84 <BR> In process of getting rated 365.87 <BR> Total 928.35 <BR> <BR> e) The Bank has not acquired any stressed loan. <BR> <BR> 8. 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. <BR> 9. 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 Ill 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. <BR> 10. Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/joint venture company(ies), as on March 31, 2025. <BR> 11. Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period/year presentation. <BR> <BR> 2024-04-012025-03-31AuditedStandalone426841000003772600000625500000158000004709800000077586000005485660000023166600000121042000007322100000194263000004259290000012263700000752690000004736800000-27740000050142000000501420000050142000001050600000103986550000000.002047.8947.6747.8947.67749600000025418000000.00030.00010.0001Rent, taxes and lighting305800000Printing and stationery47000000Advertisement and publicity75800000Depreciation on bank's property164900000Director's Fees, allowances and expenses4200000Auditors' fees and expenses7300000Law charges55800000Postage, telegram, telephone etc.50400000Repairs and maintenance110100000Insurance & Other expenditure1286000000Rent, taxes and lighting1198900000Printing and stationery157700000Advertisement and publicity370400000Depreciation on bank's property605600000Director's Fees, allowances and expenses17700000Auditors' fees and expenses24500000Law charges174700000Postage, telegram, telephone etc.196400000Repairs and maintenance385600000Insurance & Other expenditure4190600000105060000040132900000291197800000386682000001358670000038463620000028160600000164326000005944580000027155480000015318000007510600000384636200000Treasury3313500000Corporate/Wholesale Banking887200000Digital Banking Units11300000Other Retail Units18475200000Other Banking operations315400000Treasury13612900000Corporate/Wholesale Banking3126100000Digital Banking Units45000000Other Retail Units70000100000Other Banking operations130000000023002600000880841000008671000000332275000001433160000054856600000Treasury253200000Corporate/Wholesale Banking20500000Digital Banking Units4500000Other Retail Units604800000Other Banking operations315400000Treasury1879000000Corporate/Wholesale Banking51600000Digital Banking Units18600000Other Retail Units1487600000Other Banking operations130000000011984000004736800000000011984000004736800000Treasury104372300000Corporate/Wholesale Banking39088000000Digital Banking Units158800000Other Retail Units237037200000Other Banking operations708000003807271000003909100000384636200000Treasury40182200000Corporate/Wholesale Banking155600000Digital Banking Units93800000Other Retail Units302463300000Other Banking operations42800000342937700000515000000343452700000Segment Notes: <BR> 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. <BR> a) Treasury <BR> The treasury segment primarily consists of entire investment portfolio of the Bank. <BR> b) Retail Banking <BR> 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. <BR> c) Wholesale Banking <BR> Wholesale Banking includes all advances to companies and statutory bodies, which are not included under Retail Banking. <BR> d) Other Banking Operation <BR> Other Banking includes other items not attributable to any particular business segment. <BR> e) Unallocated <BR> All items which are reckoned at an enterprise level are classified under this segment. This includes capital and reserves, and other unallocable assets and liabilities not identifiable to particular segment such as deferred tax, tax assets etc. <BR> 47368000000605600000756680000000241600000300000000084170000000-469731000009063800000656269000003360000002775120000036168200000409050000000001725000000407325000000040732500000000000009000000733500000000000000-24857000000-321020000000-32102000001320000000014970000000284164000000000-1331440000000-13314400000242079000000242079000002027030000044478200000Jana Small Finance Bank Limited******JANA URBAN FOUNDATION******Other company in which director or his relatives is member or directorAny other transactionRoyalty payments28300000As per the agreement executed between Jana Urban Foundation and Bank, duly approved by ACB/Board283000003360000010400000Jana Small Finance Bank Limited******AJAY CHAMANLAL KANWAL******Key Management Personnel (KMP)Remuneration0As per approval of NRC / Board3510000000Jana Small Finance Bank Limited******KRISHNAN SUBRAMANIA RAMAN******Key Management Personnel (KMP)Remuneration0As per approval of NRC / Board1110000000Jana Small Finance Bank Limited******ABHILASH S******Key Management Personnel (KMP)Remuneration0Agreed remuneration as per the Bank policy420000000Jana Small Finance Bank Limited******LAKSHMI RAJA NARAYANAMURTHY******Key Management Personnel (KMP)Remuneration0Agreed remuneration as per the Bank policy27000000081400000AuditedtrueM/s. 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