	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	437	1,011	1,263	1,390	1,660	2,127	2,393	2,593
Non-Interest Revenue	86	259	182	246	311	547	648	-
Total Revenue	523	1,270	1,445	1,636	1,971	2,674	3,041	2,593
Total Operating Expenses	2,467	1,237	1,353	1,630	1,714	2,245	2,666	2,267
Operating Profit	-1,944	33	92	6	257	430	376	326
Operating Margin	-372.0	2.6	6.4	0.3	13.0	16.1	12.3	12.6
Profit before Taxes	-1,949	30	84	5	256	514	474	326
Income Taxes	-	-	-	-	-	-155	-28	-
Profit after Tax	-1,949	30	84	5	256	670	501	326
PAT Margin	-372.9	2.4	5.8	0.3	13.0	25.0	16.5	12.6
EPS - Basic - ex Extraordinary Items	-186.35	2.88	8.06	0.52	24.47	64.02	47.89	31.02
EPS - Diluted - ex Extraordinary Items	-186.35	2.88	8.06	0.52	24.47	64.02	47.67	30.92
EBIT	-1,944	33	92	6	257	430	376	326
EBITDA	-1,845	126	175	86	326	492	436	402
EBITDA Margin	-353.0	9.9	12.1	5.3	16.5	18.4	14.3	15.5

Balance Sheet

Abridged

Understanding Balance Sheet

Jana Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	1,169	627	602	745	1,194	1,346	3,689	2,558
Lending & LT Balance with Banks	80	909	2,553	1,645	1,631	2,079	3,880	-
Property Plant & Equipment - Net	334	260	212	172	128	142	153	199
Total Assets	9,446	14,147	19,081	20,189	25,644	32,710	38,464	47,448
Deposits - Total	4,199	9,652	12,386	13,540	16,334	22,571	29,120	35,784
Long Term Debt	1,746	2,109	3,467	3,497	4,339	2,434	1,769	5,497
Total Liabilities	8,773	13,104	17,954	18,988	23,846	29,133	34,345	42,978
Total Shareholders' Equity	674	1,044	1,127	1,201	1,797	3,577	4,118	4,470
Total Equity	674	1,044	1,127	1,201	1,797	3,577	4,118	4,470
Total Liabilities & Equity	9,446	14,147	19,081	20,189	25,644	32,710	38,464	47,448

Cash Flow

Abridged

Understanding Cash Flow Statement

Jana Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	R 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	-462	398	544	663	1,068	1,253	1,298	1,269
Working Capital - Increase/(Decrease)	3,233	551	85	196	-2,205	-545	2,775	-675
Net CF from Operating Activities	2,771	949	629	859	-1,137	708	4,073	594
Capital Expenditures - Net	76	21	42	41	26	76	72	121
Net CF from Investing Activities	-231	-285	-1,266	-1,330	-434	-780	-321	-4,133
Stock - Issuance/(Retirement) - Net	158	4	0	1	124	-220	0	0
Debt - LT & ST - Issuance/(Retirement) - Total	-3,575	-1,188	1,917	-306	1,768	-1,066	-1,345	1,630
Net Cash Flow from Financing Activities	-2,489	-852	1,917	-240	2,104	33	-1,331	1,641
Free Cash Flow to Equity	-881	-260	2,503	512	605	-435	2,656	2,102
Free Operating CF net dividend	2,694	928	586	818	-1,163	631	4,000	471
Free Operating CF	2,694	928	586	818	-1,163	631	4,000	471

Business Segment Analysis

FY End:

Mar 25

Jana Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail banking (Other Retail Units) (79.5%)₹ 7,000.01 CrTreasury (15.5%)₹ 1,361.29 CrCorporate or wholesale banking (3.5%)₹ 312.61 CrOther banking operations (1.5%)₹ 130.00 CrRetail banking (Digital banking units) (0.1%)₹ 4.50 Cr

Assets

Retail banking (Digital banking units) (61.6%)₹ 23,703.72 CrTreasury (27.1%)₹ 10,437.23 CrCorporate or wholesale banking (10.2%)₹ 3,908.80 CrUnalloted (1.0%)₹ 390.91 CrRetail banking (Other Retail Units) (0.0%)₹ 15.88 CrOther banking operations (0.0%)₹ 7.08 Cr

Regional Segment Analysis

FY End:

Mar 25

Jana Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 3,041.27 Cr

Assets

India (100.0%)₹ 38,463.62 Cr

Historical Segment Analysis

Track how Jana Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for Jana Small Finance Bank Ltd..

Frequently Asked Questions

What is the revenue of Jana Small Finance Bank Ltd.?

The latest trailing twelve month revenue of Jana Small Finance Bank Ltd. is ₹ 3,615.02 Cr, reflecting a 1-year growth of 17.72% and a 3-year CAGR of 16.51%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Jana Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Jana Small Finance Bank Ltd. is ₹ 326.43 Cr, with a 3-year earnings CAGR of 8.11%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Jana Small Finance Bank Ltd.?

The trailing twelve month EBITDA of Jana Small Finance Bank Ltd. is approximately ₹ 326.43 Cr (based on an operating margin of 9.03%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Jana Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Jana Small Finance Bank Ltd. is 30.92. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Jana Small Finance Bank Ltd.?

The debt-to-equity ratio of Jana Small Finance Bank Ltd. stands at 1.23. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Jana Small Finance Bank Ltd.?

The estimated book value per share of Jana Small Finance Bank Ltd. is 416.30 (derived from a P/B ratio of 1.13 and market price of ₹ 470.00), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Jana Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of Jana Small Finance Bank Ltd. is ₹ 593.64 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Jana Small Finance Bank Ltd. report consolidated or standalone financials?

Jana Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.