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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. <br /> 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. <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 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. <br /> <br /> 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: <br /> a) Details of loans not in default acquired or transferred during the quarter ended June 30, 2026 are as below: <br /> <br /> (i) The Bank has not acquired any loans not in default during the quarter ended June 30, 2026 <br /> <br /> (ii) The Bank has transferred loans not in default during the quarter ended June 30, 2026 as below: <br /> <br /> Particulars Retail Segment <br /> Mode of Transfer Assignment <br /> Aggregate principal outstanding of loans (on the date of transfer) (Rs. in crores) 284.65 <br /> Weighted average residual maturity (Years) 15.43 <br /> Weighted average holding period (Years) 1.96 <br /> Retention of beneficial economic interest 10% <br /> Tangible security coverage (times) 1.57 <br /> <br /> b) The Bank has not acquired or transferred any Special Mention Account (SMA) during the quarter ended June 30, 2026. <br /> <br /> c) Details of Non-Performing Assets transferred during quarter ended June 30, 2026. <br /> <br /> Particulars To ARCs <br /> Number of accounts 44,265 <br /> Aggregate principal outstanding of loans transferred (on the date of transfer) (Rs. in crores) 254.74 <br /> Weighted average residual tenor of the loans transferred (Years) 6.96 <br /> Net book value of the loans transferred (at the time of transfer) (Rs. in crores) 152.16 <br /> Aggregate consideration (Rs. in crores) 151.67 <br /> Additional consideration realized in respect of accounts transferred in earlier years - <br /> <br /> d) The Bank has not acquired any Non-performing Asset during the quarter ended June 30, 2026. <br /> <br /> e) Details of ratings of Security Receipts (SRs) outstanding as on June 30, 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% 179.84 <br /> RR 1 Brickwork rating 100% to 150% 709.93 <br /> RR 1 Infomerics 100% to 150% 135.64 <br /> RR 1 ICRA 100% to 150% 29.34 <br /> RR 2 Infomerics 75% to 100% 52.90 <br /> RR 2 India ratings 75% to 100% 20.51 <br /> RR 2 CRISIL rating 75% to 100% 16.67 <br /> In process of getting rated 347.47 <br /> Total 1,492.30 <br /> <br /> f) The Bank has not entered into any co-lending transaction during the quarter. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 11 Previous period/year figures have been regrouped / reclassified, wherever necessary to conform with the current period presentation. <br /> Rent, taxes and lighting417700000Printing and stationery34800000Advertisement and publicity94200000Depreciation on bank's property205700000Director's Fees, allowances and expenses8800000Auditors' fees and expenses6700000Law charges62000000Postage, telegram, telephone etc.60000000Repairs and maintenance145200000Insurance & Other expenditure1578600000Treasury3872700000Corporate/Wholesale Banking995500000Digital Banking Units43900000Other Retail Units22666700000Other Banking operations277400000Unallocated4800000278610000001044650000017414500000Treasury516500000Corporate/Wholesale Banking53500000Digital Banking Units22500000Other Retail Units677700000Other Banking operations277400000Unallocated47000001552300000001552300000Treasury110545200000Corporate/Wholesale Banking43416900000Digital Banking Units241600000Other Retail Units309354400000Other Banking operations190100000Unallocated04637482000004372300000468120500000Treasury48612600000Corporate/Wholesale Banking173200000Digital Banking Units122500000Other Retail Units371618300000Other Banking operations29600000Unallocated0420556200000245300000420801500000Capital employed - 4,731.90 Crores for the quarter ended June 30, 2026 <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, 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. <br /> Preferential Issues2026-06-2410276000002026-06-30falsefalseNo deviation or variation hence not applicable and utilized the funds towords objectives mentioned in the offer letterAudit committee noted the Utilisation of proceeds of issueNo comments from auditorsLakshmi R NCompany Secretary and Compliance OfficerBangalore2026-07-15Objects 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. NA1027600000010276000000The capital raised has been absorbed as part of the Tier 1 capital