Jana SFB Q1FY27 Net Profit Jumps 52% to ₹155 Crore; CAR at 20.18%
Jana Small Finance Bank reported Q1FY27 net profit of ₹155.23 crore, a 52% year-on-year increase. Net Worth reached ₹4,463.49 crore, and CAR stood at 20.18%. The bank issued 8.84 million share warrants, raising ₹102.76 crore upfront. Gross NPA was 2.39% and Net NPA was 0.91%.
The substantial increase in net profit, strong CAR, and strategic fundraising through warrants are material financial developments that are likely to significantly influence investor perception and the bank's valuation.
The bank reported a significant increase in net profit and maintained a strong capital adequacy ratio, alongside strategic fundraising through warrants, indicating positive financial health and growth prospects.
Jana Small Finance Bank Limited announced its un-audited financial results for the quarter ended June 30, 2026, following a Board of Directors meeting held on July 15, 2026. The meeting commenced at 12:00 noon and concluded at 03:30 p.m.
The bank reported a Net Profit After Tax of ₹155.23 crore for the quarter, marking a significant increase of 52% compared to the same period last year (₹101.93 crore for Q1FY26). Basic Earnings Per Share (EPS) stood at ₹14.74 and Diluted EPS at ₹14.69.
Key financial highlights for the quarter ended June 30, 2026, include a Net Worth of ₹4,463.49 crore and a Debt-Equity Ratio of 0.99. The Capital Adequacy Ratio (CAR) under Basel-II stood at a robust 20.18%, an increase from 19.97% in the corresponding quarter of the previous year. Gross Non-Performing Assets (NPA) were reported at 2.39% of gross advances, with Net NPA at 0.91%.
Total Income for the quarter was ₹17,414.45 crore, while Total Expenditure (excluding provisions and contingencies) was ₹14,082.82 crore. Operating profit before provisions and contingencies was ₹3,331.63 crore.
During the quarter, the bank allotted 16,489 shares under its Employee Stock Option Scheme. Additionally, 88,43,000 share warrants were issued, against which ₹102.76 crore was received as an upfront payment, with the remaining 75% due within 18 months. The issuance of these warrants improved the Capital Adequacy Ratio by 43 basis points as of June 30, 2026.
The bank also disclosed details regarding loan acquisitions and transfers, including the assignment of loans with an aggregate principal outstanding of ₹284.65 crore and the transfer of Non-Performing Assets (NPAs) amounting to ₹254.74 crore to Asset Reconstruction Companies (ARCs).
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