Jana Small Finance Bank Limited Q2 FY27 earnings call summary

Earnings call of 23 Oct 2026, summarised by AI from the filing.

Jana Small Finance Bank posted its highest ever quarterly PBT of ₹170 cr and raised its PAT growth guidance for this year from 80% to 100%.

Key takeaways

1. PAT guidance PAT growth guidance raised from 80% to 100% this year, assuming the full portfolio is under CGFMU and CGTMSE in H2.
2. NIM NIM rose to 7.54% in Q2 from 6.5% in Q2 FY26 on better loan mix and lower cost of funds.

Original filing on BSE

Jana Small Finance Bank Limited Q2 FY27 results

As filed: Revenue ₹1,587 cr, EBITDA −₹58.5 cr, PAT ₹170 cr, EBITDA margin -3.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q1 FY27: Revenue ₹1,515 cr, EBITDA −₹71.7 cr, PAT ₹155 cr, EBITDA margin -4.7%. Not scored. Bank result format: not scored yet. Share price after the results: +18.2% in 30 days (Nifty 500: +1.4%).
• Q4 FY26: Revenue ₹1,445 cr, EBITDA −₹126 cr, PAT ₹140 cr, EBITDA margin -8.7%. Not scored. Bank result format: not scored yet. Share price after the results: +6.2% in 30 days (Nifty 500: −0.9%).
• Q3 FY26: Revenue ₹1,384 cr, EBITDA −₹235 cr, PAT ₹9.7 cr, EBITDA margin -17.0%. Not scored. Bank result format: not scored yet. Share price after the results: −0.5% in 28 days (Nifty 500: −4.1%).
• Q2 FY26: Revenue ₹1,305 cr, EBITDA −₹172 cr, PAT ₹75.0 cr, EBITDA margin -13.2%. Not scored. Bank result format: not scored yet. Share price after the results: +2.5% in 29 days (Nifty 500: +0.1%).
• Q1 FY26: Revenue ₹1,250 cr, EBITDA −₹164 cr, PAT ₹102 cr, EBITDA margin -13.1%. Not scored. Bank result format: not scored yet. Share price after the results: −1.3% in 30 days (Nifty 500: −0.8%).
• Q4 FY25: Revenue ₹1,199 cr, EBITDA −₹114 cr, PAT ₹123 cr, EBITDA margin -9.5%. Not scored. Bank result format: not scored yet. Share price after the results: −7.5% in 30 days (Nifty 500: +3.4%).
• Q3 FY25: Revenue ₹1,177 cr, EBITDA −₹72.4 cr, PAT ₹111 cr, EBITDA margin -6.2%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Jana Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q2 FY27: Earnings call (23 Oct 2026), Results deck (23 Oct 2026)
• Q1 FY27: Earnings call (15 Jul 2026), Results deck (15 Jul 2026)
• Q4 FY26: Results deck (29 Apr 2026)
• Q3 FY26: Earnings call (6 Feb 2026), Results deck (6 Feb 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025)
• Q1 FY26: Earnings call (22 Jul 2025), Results deck (22 Jul 2025)
• Q4 FY25: Earnings call (29 Apr 2025), Results deck (29 Apr 2025)