5441182026-01-012026-03-315441182026-03-315441182025-03-315441182025-04-012026-03-315441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses1Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses2Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses3Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses4Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses5Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses6Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses7Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses8Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses9Member5441182026-01-012026-03-31in-capmkt:OtherOperatingExpenses10Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses1Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses2Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses3Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses4Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses5Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses6Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses7Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses8Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses9Member5441182025-04-012026-03-31in-capmkt:OtherOperatingExpenses10Member5441182026-03-31OtherLiabilitiesAndProvisionsDomain15441182026-03-31OtherLiabilitiesAndProvisionsDomain25441182026-03-31OtherLiabilitiesAndProvisionsDomain35441182026-03-31OtherLiabilitiesAndProvisionsDomain45441182026-03-31OtherAssetsDomain15441182026-03-31OtherAssetsDomain25441182026-03-31OtherAssetsDomain35441182026-01-012026-03-31in-capmkt:ReportableSegments1Member5441182026-01-012026-03-31in-capmkt:ReportableSegments2Member5441182026-01-012026-03-31in-capmkt:ReportableSegments3Member5441182026-01-012026-03-31in-capmkt:ReportableSegments4Member5441182026-01-012026-03-31in-capmkt:ReportableSegments5Member5441182026-01-012026-03-31in-capmkt:ReportableSegments6Member5441182025-04-012026-03-31in-capmkt:ReportableSegments1Member5441182025-04-012026-03-31in-capmkt:ReportableSegments2Member5441182025-04-012026-03-31in-capmkt:ReportableSegments3Member5441182025-04-012026-03-31in-capmkt:ReportableSegments4Member5441182025-04-012026-03-31in-capmkt:ReportableSegments5Member5441182025-04-012026-03-31in-capmkt:ReportableSegments6Member5441182026-01-012026-03-31in-capmkt:ReportableSegments1Member5441182026-01-012026-03-31in-capmkt:ReportableSegments2Member5441182026-01-012026-03-31in-capmkt:ReportableSegments3Member5441182026-01-012026-03-31in-capmkt:ReportableSegments4Member5441182026-01-012026-03-31in-capmkt:ReportableSegments5Member5441182026-01-012026-03-31in-capmkt:ReportableSegments6Member5441182025-04-012026-03-31in-capmkt:ReportableSegments1Member5441182025-04-012026-03-31in-capmkt:ReportableSegments2Member5441182025-04-012026-03-31in-capmkt:ReportableSegments3Member5441182025-04-012026-03-31in-capmkt:ReportableSegments4Member5441182025-04-012026-03-31in-capmkt:ReportableSegments5Member5441182025-04-012026-03-31in-capmkt:ReportableSegments6Member5441182026-01-012026-03-31in-capmkt:ReportableSegments1Member5441182026-03-31in-capmkt:ReportableSegments1Member5441182026-01-012026-03-31in-capmkt:ReportableSegments2Member5441182026-03-31in-capmkt:ReportableSegments2Member5441182026-01-012026-03-31in-capmkt:ReportableSegments3Member5441182026-03-31in-capmkt:ReportableSegments3Member5441182026-01-012026-03-31in-capmkt:ReportableSegments4Member5441182026-03-31in-capmkt:ReportableSegments4Member5441182026-01-012026-03-31in-capmkt:ReportableSegments5Member5441182026-03-31in-capmkt:ReportableSegments5Member5441182026-01-012026-03-31in-capmkt:ReportableSegments6Member5441182026-03-31in-capmkt:ReportableSegments6Member5441182026-01-012026-03-31in-capmkt:ReportableSegments1Member5441182026-03-31in-capmkt:ReportableSegments1Member5441182026-01-012026-03-31in-capmkt:ReportableSegments2Member5441182026-03-31in-capmkt:ReportableSegments2Member5441182026-01-012026-03-31in-capmkt:ReportableSegments3Member5441182026-03-31in-capmkt:ReportableSegments3Member5441182026-01-012026-03-31in-capmkt:ReportableSegments4Member5441182026-03-31in-capmkt:ReportableSegments4Member5441182026-01-012026-03-31in-capmkt:ReportableSegments5Member5441182026-03-31in-capmkt:ReportableSegments5Member5441182026-01-012026-03-31in-capmkt:ReportableSegments6Member5441182026-03-31in-capmkt:ReportableSegments6Member5441182026-01-012026-03-31RelatedPartyTransactionDomain15441182025-12-31RelatedPartyTransactionDomain15441182026-03-31RelatedPartyTransactionDomain15441182026-01-012026-03-31RelatedPartyTransactionDomain25441182025-12-31RelatedPartyTransactionDomain25441182026-03-31RelatedPartyTransactionDomain25441182026-01-012026-03-31RelatedPartyTransactionDomain35441182025-12-31RelatedPartyTransactionDomain35441182026-03-31RelatedPartyTransactionDomain35441182026-01-012026-03-31RelatedPartyTransactionDomain45441182025-12-31RelatedPartyTransactionDomain45441182026-03-31RelatedPartyTransactionDomain45441182026-01-012026-03-31RelatedPartyTransactionDomain55441182025-12-31RelatedPartyTransactionDomain55441182026-03-31RelatedPartyTransactionDomain55441182026-01-012026-03-31AuditorDomain15441182026-01-012026-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares544118JSFBNOTLISTEDINE953L01027JANA SMALL FINANCE BANK LIMITEDEquity2025-04-012026-03-312026-04-292026-04-24INRCroresQuarterlyFourth quarterMulti segment2026-04-2915:00:002026-04-2916:15:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2025-04-30https://www.jana.bank.in/about-us/leadership-governance/policies//falsefalseNot applicable as there is no default2026-01-012026-03-31AuditedStandalone130848000001290700000703000001000001444590000026560000001710190000070901000003840200000282440000066646000001375470000033472000001949000000013982000000139820000001398200000139820000010532000001000.1751013.2813.2313.2813.23846950000031254000000.02460.00920.0126Notes: <BR> 1 The above financial results for the quarter and year ended March 31, 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 April 29, 2026. The above financial results for the quarter and year ended March 31, 2026, have been audited by the joint statutory auditors, S.R. Batliboi & Associates LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants. <BR> 2 "The Bank has applied its significant accounting policies in the preparation of these financial results for the quarter and year ended March 31, 2026 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 financial year. <BR> <BR> Accordingly, Bank has recognised PSLC income of RS 18.01 crores and PSLC expense of RS 6.84 crores during this quarter (due to above effect); accordingly the net profit for the quarter ended is higher by RS 11.17 crores, therefore the amounts for the corresponding previous quarter is not comparable. However, there is no impact of same on the results for the year." <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> 4 During the quarter and year ended March 31, 2026, the Bank has allotted 50,867 and 2,68,034 shares respectively pursuant to exercise of stock options under Employee Stock Option Scheme. <BR> <BR> 5 The disclosure requirements as required by Reserve Bank of India (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 dated November 28, 2025 as at March 31, 2026 is given below: <BR> <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, 2025 (A) ** Of (A), aggregate debt that slipped into NPA during the period ended March 31, 2026 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, 2026" <BR> Personal Loans 9.48 0.71 - 1.19 7.58 <BR> Corporate Loans* - - - - - <BR> of which, MSMEs - - - - - <BR> Others 1.59 0.34 - 0.24 1.01 <BR> Total 11.07 1.05 - 1.43 8.59 <BR> "*As defined in section 3(7) of the Insolvency and Bankruptcy Code, 2016 <BR> ** Includes cases where requests received till September 30, 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> <BR> 6 Details of loans not in default and stressed loans (NPA and SMA accounts) acquired and transferred during the quarter ended March 31, 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: <BR> a) The Bank has purchased loans not in default during the quarter ended March 31, 2026. <BR> (i) Details of loans not in default acquired under assignment during the quarter ended March 31, 2026 <BR> <BR> Particulars Loans acquired <BR> Mode of Transfer Assignment <BR> Aggregate principal outstanding of loans acquired(on the date of transfer) (RS in crores) 91.13 <BR> Weighted average residual maturity (Years) 0.99 <BR> Weighted average holding period of the originator (Years) 1.05 <BR> Retention of beneficial economic interest by the originator 10% <BR> Tangible security coverage (times)* - <BR> *The loans acquired are not rated and there is no tangible security coverage as these are the Non-corporate customers. <BR> <BR> (ii) The Bank has not transferred any loans not in default during the quarter ended March 31, 2026 <BR> <BR> b) Details of Special Mention Account (SMA) transferred during the quarter ended March 31, 2026 <BR> <BR> Particulars To ARCs <BR> Number of accounts 4,801 <BR> Aggregate principal outstanding of loans transferred (on the date of transfer) (RS in crores) 29.18 <BR> Weighted average residual tenor of the loans transferred (Years) 7.50 <BR> Net book value of the loans transferred (at the time of transfer) (RS in crores) 23.46 <BR> Aggregate consideration (RS in crores) 24.13 <BR> Additional consideration realized in respect of accounts transferred in earlier years - <BR> <BR> c) Details of Non-Performing Assets transferred during quarter ended March 31, 2026. <BR> <BR> Particulars To ARCs <BR> Number of accounts 45,972 <BR> Aggregate principal outstanding of loans transferred (on the date of transfer) (RS in crores) 392.26 <BR> Weighted average residual tenor of the loans transferred (Years) 6.23 <BR> Net book value of the loans transferred (at the time of transfer) (RS in crores) 177.92 <BR> Aggregate consideration (RS in crores) 189.81 <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, 2026 are given below <BR> <BR> (RS in crores) <BR> Rating Rating Agency Recovery Rating Gross value of outstanding SRs <BR> RR 1+ Infomerics More than 150% 187.82 <BR> RR 1 Infomerics 100% to 150% 85.71 <BR> RR 1 Brickwork rating 100% to 150% 735.67 <BR> RR 1 ICRA 100% to 150% 30.42 <BR> RR2 Infomerics 75% to 100% 59.16 <BR> RR2 CRISIL rating 75% to 100% 19.48 <BR> RR2 India ratings 75% to 100% 21.80 <BR> In process of getting rated 293.03 <BR> Total 1,433.09 <BR> <BR> e) The Bank has not acquired any stressed loan (Non-performing Asset and Special Mention Accounts). <BR> <BR> f) The Bank has not entered into any co-lending transaction during the quarter. <BR> <BR> 7 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. <BR> <BR> 8 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 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. <BR> <BR> 9 Consolidation of financial statements is not applicable as the Bank does not have any subsidiary/associate/joint venture company(ies), as on March 31, 2026. <BR> <BR> 10 On November 21, 2025, the Government of India notified four Labour Codes, the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020, collectively referred to as the 'New Labour Codes', consolidating 29 existing labour laws. The Ministry of Labour & Employment has published draft Central Rules and FAQs on December 30, 2025, to facilitate assessment of the financial impact arising from these regulatory changes. Accordingly, the Bank has recognised an estimated incremental impact of RS 11.89 crores under 'Employees cost' in the Profit and Loss Account during the quarter ended December 31, 2025 and year ended March 31, 2026; considering best information available. The Bank continues to monitor the finalisation of Central and State Rules and clarifications from the Government on the New Labour Codes and would provide appropriate accounting effect on the basis of such developments, as needed. <BR> <BR> 11 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 March 31, 2026. <BR> <BR> 12 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> <BR> 13 Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation. <BR> 2025-04-012026-03-31AuditedStandalone48039100000490620000045810000012530000053528700000102189000006374760000027597400000146022000009891400000244936000005209100000011656600000839230000003264300000032643000000326430000032643000001053200000104328250000000.1751031.0230.9231.0230.92846950000031254000000.02460.00920.0126Rent, taxes and lighting394700000Printing and stationery51200000Advertisement and publicity89400000Depreciation on bank's property206000000Director's Fees, allowances and expenses6200000Auditors' fees and expenses6100000Law charges82700000Postage, telegram, telephone etc.54500000Repairs and maintenance148400000Insurance & Other expenditure1785200000Rent, taxes and lighting1495900000Printing and stationery182500000Advertisement and publicity343700000Depreciation on bank's property754400000Director's Fees, allowances and expenses22500000Auditors' fees and expenses24900000Law charges261800000Postage, telegram, telephone etc.207900000Repairs and maintenance535600000Insurance & Other expenditure606220000010532000004364880000035784490000054967600000169628000004744773000002492170000066010000098120000000338276900000198690000010511700000474477300000Bills payable6689500000Interest accrued4565000000Provision for Standard Assets1098900000Others4609400000Interest accrued5172600000Tax paid in advance / tax deducted at source (net of provisions)1136600000Others4202500000Treasury3792100000Corporate/Wholesale Banking1009000000Digital Banking Units15000000Other Retail Units22023200000Other Banking operations218400000Unallocated0Treasury15061400000Corporate/Wholesale Banking3896800000Digital Banking Units49400000Other Retail Units83019500000Other Banking operations1145900000Unallocated125000000270577000001032980000009955800000395502000001710190000063747800000Treasury330200000Corporate/Wholesale Banking94000000Digital Banking Units6700000Other Retail Units748900000Other Banking operations218400000Unallocated0Treasury1589800000Corporate/Wholesale Banking183100000Digital Banking Units17200000Other Retail Units203400000Other Banking operations1145900000Unallocated013982000003139400000000-12500000013982000003264400000Treasury125025500000Corporate/Wholesale Banking44308400000Digital Banking Units215900000Other Retail Units300495900000Other Banking operations105000000Unallocated04701507000004326600000474477300000Treasury56615400000Corporate/Wholesale Banking176700000Digital Banking Units111300000Other Retail Units372370200000Other Banking operations44100000Unallocated0429317700000457600000429775300000Capital Employeed as on March 2026 was Rs 4470.21 crores <BR> <BR> Segment 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 unallocated. 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. <BR> 32643000000754400000860520000000148400000460000000095126000000-75574300000-9929000006667380000031390000000-67544000002758200000602250000000086100000059364000000059364000000000000074000001221500000000000000-401124000000-4132650000000-413265000001060000000033890000000175906000000000164054000000016405400000-189847000000-189847000004447820000025493500000Jana 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/Board207000001040000041500000Jana Small Finance Bank Limited******AJAY CHAMANLAL KANWAL******Key Management Personnel (KMP)Remuneration0As per approval of NRC / Board2730000000Jana 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 policy490000000Jana Small Finance Bank Limited******LAKSHMI RAJA NARAYANAMURTHY******Key Management Personnel (KMP)Remuneration0Agreed remuneration as per the Bank policy30000000065000000AuditedtrueM/s. S.R Batliboi & Associates LLPtrue2027-07-31M/s. Batliboi & Purohittrue2028-04-30