Jana Small Finance Bank Limited Q1 FY26 results deck summary

Results deck of 22 Jul 2025, summarised by AI from the filing.

PAT at ₹102 cr post accelerated provisioning of ₹150 cr; management reiterates advances and deposit growth of 20% for the year.

Key takeaways

1. Change Secured book now 71% vs 62% in Q1 FY25; unsecured degrowth 12% y-o-y
2. Driver Secured assets all engines firing; Gold 29% q-o-q, Two wheeler 14% q-o-q, Affordable housing 6.5% q-o-q growth
3. Risk Unsecured assets revenue challenge to ease next quarter; tight criteria short term pain

Original filing on BSE

Jana Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹1,515 cr, EBITDA −₹71.7 cr, PAT ₹155 cr, EBITDA margin -4.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• 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: +3.1% in 28 days (Nifty 500: +1.0%).
• 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.
• Q2 FY25: Revenue ₹1,166 cr, EBITDA −₹87.6 cr, PAT ₹97.0 cr, EBITDA margin -7.5%. 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

• 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)