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SMALL FINANCE BANK LIMITEDEquity2025-04-012026-03-312025-10-172025-09-25INRCroresQuarterlySecond quarterMulti segment2025-10-1712:00:002025-10-1715:30:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2025-04-30https://www.jana.bank.in/about-us/leadership-governance/policies//falsefalseNot applicable as there is no default2025-07-012025-09-30UnauditedStandalone117509000001158600000138300000100000130479000002474700000155226000006863100000355540000023144000005869800000127329000002789700000203970000007500000000750000000075000000075000000010524000001000.18790.00937.137.097.137.09871300000028081000000.02870.00940.00741. The above financial results for the quarter and half year ended September 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 October 17, 2025. The above financial results for the quarter and half year ended September 30, 2025, have been reviewed by the joint statutory auditors, S.R. Batliboi & Associates LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants. <BR> <BR> 2. The Bank has applied its significant accounting policies in the preparation of these financial results for the quarter and half year ended September 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.. <BR> Accordingly, Bank has recognised PSLC income of 18.01 crores and PSLC expense of 6.84 crores during this quarter and has recognised PSLC income of 36.02 crores and PSLC expense of 7.46 crores during the half year ended and has unamortised PSLC income of 36.02 crores and PSLC expense of 13.69 crores as on September 30, 2025; accordingly the net profit for the quarter ended is higher by 29.83 crores and for the half year ended is lower by 22.33 crores, therefore the amounts for the corresponding period of the previous year are not comparable. <BR> <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 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. <BR> <BR> 4. 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> <BR> 5. 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. <BR> <BR> 6. Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/ joint venture company(ies), as on September 30, 2025. <BR> <BR> 7. Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation.2025-04-012025-09-30UnauditedStandalone22958200000228000000031450000015700000255684000005115600000306840000001341380000070654000004433900000114993000002491310000057709000004001800000017691000000176910000001769100000176910000010524000001000.18790.009316.8216.7316.8216.73871300000028081000000.02870.00940.009Rent, taxes and lighting373300000Printing and stationery58100000Advertisement and publicity70900000Depreciation on bank's property182600000Director's Fees, allowances and expenses4600000Auditors' fees and expenses7500000Law charges66300000Postage, telegram, telephone etc.47100000Repairs and maintenance125400000Insurance & Other expenditure1378600000Rent, taxes and lighting721300000Printing and stationery95200000Advertisement and publicity128700000Depreciation on bank's property349800000Director's Fees, allowances and expenses10800000Auditors' fees and expenses13400000Law charges114000000Postage, telegram, telephone etc.93600000Repairs and maintenance245600000Insurance & Other expenditure2661500000105240000042092400000325324400000380988000001531100000042187900000023337400000348790000086443200000297434100000177200000094044000004218790000001. During the quarter and half year ended September 30, 2025, the Bank has allotted 60,413 and 1,80,594 shares respectively pursuant to exercise of stock options under Employee Stock Option Scheme. <BR> <BR> 2. 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 September 30, 2025 is given below: <BR> <BR> Type of Borrower <BR> Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half-year i.e March 31, 2025 <BR> (A) ** Of (A), aggregate debt that slipped into NPA during the period ended September 30, 2025 <BR> Of (A) amount written off during the half-year# <BR> Of (A) amount paid by the borrowers during the half year^ <BR> "Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at September 30, 2025" <BR> Personal Loans 11.07 1.08 0.10 0.51 9.48 <BR> Corporate Loans* - - - - - <BR> of which, MSMEs - - - - - <BR> Others 2.78 0.85 0.03 0.34 1.59 <BR> Total 13.85 1.93 0.13 0.85 11.07 <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> 3. Details of loans not in default and stressed loans (NPA and SMA accounts) acquired and transferred during the quarter ended September 30, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below: <BR> a) The Bank has purchased loans not in default during the quarter ended September 30, 2025. <BR> (i) Details of loans not in default sold under assignment during three months ended September 30, 2025 <BR> (Rs in crores) <BR> Particulars Loans acquired <BR> Mode of Transfer Assignment <BR> Aggregate principal outstanding of loans acquired 163.21 <BR> Weighted avg residual maturity (in years) 0.92 <BR> Weighted avg holding period of the originator (in years) 1.14 <BR> Retention of beneficial economic interest by the originator 10% <BR> Tangible security coverage (times) - <BR> The loans transferred are not rated as these are to non-corporate borrowers. <BR> (ii) The bank has not transferred any loans not in default during the quarter ended September 30, 2025 <BR> <BR> b) There is neither Special Mention Account (SMA) transferred nor acquired during the quarter ended September 30, 2025. <BR> <BR> c) Details of Non-Performing Assets transferred during quarter ended September 30, 2025. <BR> <BR> Rs in crores <BR> Particulars To ARCs <BR> No of accounts 79,848 <BR> Aggregate principal outstanding of loans transferred (on the date of transfer) 412.16 <BR> Weighted average residual tenor of the loans transferred (Years) 6.97 <BR> Net book value of the loans transferred (at the time of transfer) 313.05 <BR> Aggregate consideration 316.79 <BR> Additional consideration realized in respect of accounts transferred in earlier years - <BR> <BR> <BR> d) Details of ratings of Security Receipts (SRs) outstanding as on September 30, 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% 121.75 <BR> RR1 ICRA 100% to 150% 41.26 <BR> RR1 Brickwork 100% to 150% 431.78 <BR> RR2 Crisil rating 75% to 100% 26.03 <BR> RR1+ Infomerics More than 150% 185.78 <BR> In process of getting rated 406.05 <BR> Total 1212.65 <BR> <BR> e) The Bank has not acquired any stressed loan. <BR> <BR> 4. Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/ joint venture company(ies), as on September 30, 2025. <BR> <BR> 5. Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation.Treasury3503100000Corporate/Wholesale Banking970700000Digital Banking Units11000000Other Retail Units20639900000Other Banking operations244600000Unallocated0Treasury7559800000Corporate/Wholesale Banking1836900000Digital Banking Units22200000Other Retail Units39935500000Other Banking operations739900000Unallocated1560000025369300000501099000009846800000194258000001552250000030684100000Treasury153400000Corporate/Wholesale Banking7900000Digital Banking Units2700000Other Retail Units341300000Other Banking operations244600000Unallocated0Treasury896000000Corporate/Wholesale Banking32100000Digital Banking Units6400000Other Retail Units79200000Other Banking operations755400000Unallocated07499000001769100000007499000001769100000Treasury114180700000Corporate/Wholesale Banking42984900000Digital Banking Units161600000Other Retail Units260187600000Other Banking operations148500000Unallocated04176633000004215800000421879100000Treasury39426700000Corporate/Wholesale Banking171500000Digital Banking Units79400000Other Retail Units338753000000Other Banking operations37400000Unallocated0378468000000266400000378734400000Segment 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> <BR> c) Wholesale Banking <BR> Wholesale Banking includes all advances to companies and statutory bodies, which are not included under Retail Banking. <BR> <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. 17691000000182600000-300000001069000000040913000000438050000000-334370000000357515000000231450000066950000008464100000000359000000842820000000842820000000000000800000423400000000000000-252941000000-2571670000000-25716700000852000000010227800000107971000000000-48410000000-484100000-177726000000-177726000004447820000026705600000Jana Small Finance Bank Limited******JANA URBAN FOUNDATION******Other company in which director or his relatives is member or directorAny other transactionRoyalty payments20800000As per the agreement executed between Jana Urban Foundation and Bank, duly approved by ACB/Board208000001040000010400000Jana Small Finance Bank Limited******AJAY CHAMANLAL KANWAL******Key Management Personnel (KMP)Remuneration0As per approval of NRC / Board3230000000Jana Small Finance Bank Limited******KRISHNAN SUBRAMANIA RAMAN******Key Management Personnel (KMP)Remuneration0As per approval of NRC / Board910000000Jana Small Finance Bank Limited******ABHILASH S******Key Management Personnel (KMP)Remuneration0Agreed remuneration as per the Bank policy720000000Jana Small Finance Bank Limited******LAKSHMI RAJA NARAYANAMURTHY******Key Management Personnel (KMP)Remuneration0Agreed remuneration as per the Bank policy43000000073700000UnauditedtrueM/s. 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