NSE · JSFB · Financial Services
Jana Small Finance Bank Ltd.
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹36,15,02,10,000 Cr with net profit ₹3,26,42,82,000 Cr — a 9.03% net margin, versus 9.14% the period before.
Shareholding
As of 2026-06-30
- Promoter16.94%
- Public62.7%
- FII4.01%
- DII16.35%
49,932 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 1.73× from low to high.
Risk flags
Derived from disclosed data
- Promoter holding fell 4.9 percentage points to 16.94% in the latest disclosure.
Peer comparison
Banks - Regional · ranked #1 of 22 by market cap · medians across 13 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | ₹10,32,767 Cr | 69.84 | 2.86 | 15.89% | 27.77% |
| Kotak Mahindra Bank Ltd. | ₹3,87,516 Cr | 71.49 | 2.14 | 10.58% | 27.64% |
| Axis Bank Limited | ₹3,80,733 Cr | 50.03 | 1.78 | 12.32% | 19.91% |
| Union Bank of India | ₹1,30,542 Cr | 6.32 | 0.98 | 14.33% | 19.27% |
| Punjab National Bank | ₹1,28,227 Cr | 23.1 | 0.86 | 11.4% | 14.06% |
| Bank of Baroda | ₹1,26,078 Cr | 21.73 | 0.76 | 11.74% | 14.78% |
| Indian Bank | ₹1,12,700 Cr | 35.51 | 1.41 | 14.32% | 17.34% |
| IDFC First Bank Limited | ₹73,652 Cr | 225.03 | 1.56 | 3.4% | 3.97% |
| Indian Overseas Bank | ₹65,164 Cr | 41.78 | 1.76 | 14.09% | 16.99% |
| Bank of India | ₹62,613 Cr | 20.28 | 0.7 | 11.22% | 13.63% |
| Jana Small Finance Bank Ltd.(this company) | — | 40.59 | 1.28 | — | — |
AI analysis
AI-generated · google/gemini-2.5-flashJana Small Finance Bank Limited, founded in 1999 and headquartered in Bengaluru, India, provides banking and financial services. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers various products including current and savings accounts, deposits, and loans such as two-wheeler, group, business, gold, home improvement, agri group, individual, and home loans. Jana Small Finance Bank also provides insurance products (life, general, and health), cards, investment services, payment services, and mobile, internet, and corporate internet banking. The company has a market capitalization of Rs 5838 Cr and reported a profit margin of 6.74%.
Positives
- +The company has a debt-to-equity ratio of 0, indicating strong financial leverage.
- +The net profit increased from Rs 255.97 Cr in Mar 2023 to Rs 669.54 Cr in Mar 2024 and further to Rs 501.42 Cr in Mar 2025.
- +Promoter shareholding is not pledged, with a promoter pledge percentage of 0%.
Negatives
- −Promoter holding has decreased from 22.54% in Feb 2024 to 16.94% in June 2026.
- −The most recent quarterly net profit of Rs 155.23 Cr in Jun 2026 is lower than the net profit of Rs 139.82 Cr in Mar 2026.
- −The company's Return on Equity (ROE) of 8.49% is relatively low.
Business
Jana Small Finance Bank Limited offers a range of banking and financial services in India, catering to both individuals and enterprises. Its operational segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company's product portfolio covers current and savings accounts, various deposit schemes, and a wide array of loans. In addition to traditional banking, it provides insurance services, cards, and digital banking solutions like mobile and internet banking.
Financial Performance
The company's annual revenue increased to Rs 4684.06 Cr in Mar 2024 from Rs 3699.88 Cr in Mar 2023. Net profit also rose significantly, reaching Rs 669.54 Cr in Mar 2024, compared to Rs 255.97 Cr in Mar 2023. For the fiscal year ending Mar 2025, revenue was Rs 5485.65 Cr with a net profit of Rs 501.42 Cr.
Profitability & Returns
Jana Small Finance Bank Ltd. reported an Earnings Per Share (EPS) of Rs 35.92. The company's Return on Equity (ROE) stands at 8.49% and Return on Capital Employed (ROCE) is 6.78%. The profit margin for the latest period is 6.74%. The annual EPS increased from Rs 42.64 in Mar 2023 to Rs 90.72 in Mar 2024, before decreasing to Rs 47.67 in Mar 2025.
Balance Sheet
The company has a very low debt-to-equity ratio of 0, indicating minimal reliance on debt financing. The book value per share is Rs 419.43. No promoter shares are pledged, as indicated by a promoter pledge percentage of 0%.
Ownership & Pledges
As of June 30, 2026, promoter shareholding was 16.94%, while public shareholding stood at 62.70%. DIIs held 16.35% and FIIs held 4.01%. Institutional holding is 20.36%. There are no pledged shares by the promoters, with promoter pledge at 0%.
Regulatory & Surveillance
The company is not currently under any surveillance measure based on the provided data. There is no information regarding specific regulatory actions or alerts.
Data as of — price: 2026-07-29 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
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