Jana SFB Q2 FY27 PAT Jumps 127% YoY to ₹170 Cr; Guidance Raised
Jana Small Finance Bank reported Q2 FY27 PAT of ₹170 Cr, up 127% YoY. FY27 PAT guidance raised to 100% YoY growth. GLP grew 22% YoY to ₹38,752 Cr, Deposits up 17% YoY to ₹38,221 Cr. GNPA at 2.17%, NNPA at 1.08%. NIM improved to 7.5%.
The significant profit growth, improved financial metrics, and raised future guidance are material positive developments for the bank's stakeholders.
The bank has reported strong year-on-year growth in PAT, improved NIM, and a positive outlook with raised guidance. Asset quality metrics are stable or improving.
Jana Small Finance Bank Limited has announced its audited financial results for the quarter and half year ended September 30, 2026. The bank reported a Profit After Tax (PAT) of ₹170 crores for Q2 FY27, marking a significant year-on-year growth of 127%. This performance contributed to a substantial increase in Profit Before Tax (PBT) for H1 FY27, which is now equal to the full previous fiscal year's PBT. The bank has also raised its guidance for FY27 PAT to a 100% increase year-on-year.
Key highlights for the second quarter of fiscal year 2027 include a Gross Lending Portfolio (GLP) of ₹38,752 crores, showing a 22% year-on-year growth and a 3% sequential growth. Secured assets constitute 73.7% of the GLP and grew by 24% year-on-year. Total Deposits reached ₹38,221 crores, an increase of 17% year-on-year, with CASA growing by 13% and Term Deposits by 19%. The Credit to Deposit ratio stood at 92.7%.
The bank reported an improving asset quality with Gross Non-Performing Asset (GNPA) at 2.17% and Net Non-Performing Asset (NNPA) at 1.08%. The NNPA is expected to fall below 1% in Q3 FY27, considering a claim lodged under guarantee programs worth ₹68 crores. Net Interest Margin (NIM) improved to 7.5% in Q2 FY27 from 6.5% in Q2 FY26. Operating expenses were marginally lower quarter-on-quarter, leading to an improved Cost to Income ratio of 64.3% from 67% in the previous quarter.
Mr. Ajay Kanwal, MD and CEO of Jana Small Finance Bank, commented on the performance, stating the bank's focus on achieving 80% secured assets through disciplined execution and cost optimization. He highlighted continued investment in digital and AI-led processes, stable credit quality, and opportunities for growth in secured loan products. The bank is particularly focused on improving its CASA in the second half of the fiscal year.
In terms of capital adequacy, the Capital Adequacy Ratio (CAR) was reported at 20.0%, with Tier-1 CRAR at 18.2%. The bank also received recognition in September 2026, winning the 'Best-in-Class Social Customer Experience in Banking' award at WeKonnect 2026 and a Bronze Award at the ET DigiPlus Awards 2026 for its "Jana Bank x Bharat Ke Super Founders" campaign. Earlier in July 2026, the bank received the IBA Banking Technology Award for Identity & Access Management.
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