Jana Small Finance Bank Limited Q1 FY27 earnings call summary

Earnings call of 15 Jul 2026, summarised by AI from the filing.

Jana Small Finance Bank reports Q1 FY27 PAT of ₹155 cr and reiterates FY27 guidance of 19-21% loan growth, 23-25% deposit growth, and 80%+ PAT growth.

Key takeaways

1. Guidance FY27: gross loan growth 19-21%, deposit growth 23-25%, PAT growth 80% plus.
2. Change NIM recovered to 7.5% on lower cost of funds and reduced unsecured slippages.
3. Risk Deposit pricing hardened in April and May, making liquidity tight.

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)