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544118

JSFB

NOTLISTED

INE953L01027

JANA SMALL FINANCE BANK LIMITED

Equity

2025-04-01

2026-03-31

2025-07-22

2025-07-14

INR

Crores

Quarterly

First quarter

Multi segment

2025-07-22

12:00:00

2025-07-22

15:30:00

Not applicable

false

There is no Default. This disclosure not applicable.

2025-04-01

2025-06-30

Unaudited

Standalone

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9.69

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2627400000

0.0291

0.0094

0.0107

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.

Rent, taxes and lighting

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Printing and stationery

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Advertisement and publicity

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Depreciation on bank's property

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Director's Fees, allowances and expenses

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Auditors' fees and expenses

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Law charges

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Postage, telegram, telephone etc.

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Repairs and maintenance

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Insurance & Others

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Digital Banking Units

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Other Retail Units

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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.