Jana SFB Q2 FY27 PAT Up 127% YoY to ₹170 Cr; FY27 PAT Growth Guidance Revised to 100%
Jana Small Finance Bank reported Q2 FY27 PAT of ₹170 crore, up 127% YoY. NII grew 35% YoY. GNPA reduced to 2.17% and NNPA to 1.08%. H1 FY27 PAT reached ₹326 crore. FY27 PAT growth guidance revised to 100%. Advances grew 22% YoY to ₹38,752 crore, and deposits rose 17% YoY to ₹38,221 crore.
The significant year-on-year growth in profitability, improved asset quality metrics, and upward revision of future earnings guidance are material events that are likely to have a substantial positive impact on investor sentiment and the company's valuation.
The bank reported strong year-on-year growth in PAT, NII, and deposits, coupled with an improvement in asset quality and a revised upward guidance for PAT growth. These are all positive indicators for the company's financial performance.
Jana Small Finance Bank Limited (JSFB) announced its investor presentation for the quarter and half-year ended September 30, 2026. The bank reported a Profit After Tax (PAT) of ₹170 crore for Q2 FY27, marking a significant increase of 127% year-on-year (YoY) and 10% quarter-on-quarter (QoQ). Net Interest Income (NII) saw a 35% YoY and 5% QoQ increase. Operating expenses rose by 15% YoY but decreased by 0.4% QoQ. The Net Interest Margin (NIM) improved to 7.54% from 6.5% YoY, with the Cost of Funds decreasing to 7.4% from 7.9% YoY.
Asset quality showed improvement, with Gross Non-Performing Assets (GNPA) reducing to 2.17% and Net Non-Performing Assets (NNPA) at 1.08%. The bank anticipates NNPA to fall below 1% in Q3 FY27 following the settlement of a lodged claim of ₹68 crore with CGFMU and CGTMSE. For the first half of FY27 (H1 FY27), PAT stood at ₹326 crore, matching the entire PAT of FY26. Consequently, the bank has revised its PAT growth guidance for FY27 upwards from 80% to 100%.
Advances grew by approximately 22% YoY to ₹38,752 crore, with secured advances showing a robust growth of 24% YoY. Disbursements in Q2 FY27 were ₹4,414 crore, up 7% YoY. The bank highlighted improvements in collection efficiency across its unsecured book, with B0 collection efficiency exceeding 99% for the overall unsecured book. Deposits grew by 17% YoY to ₹38,221 crore, while CASA grew by 13% YoY to ₹6,732 crore, maintaining a CASA ratio of 18%. The Cost of Deposits reduced by approximately 40 basis points YoY to 7.45%. The Credit to Deposits ratio stood at 92.7% as of September 2026.
JSFB also reported operational efficiencies, with Cost to Income reducing to 64.3%. The bank is focusing on increasing its secured business proportion and enhancing its digital offerings, with 90%+ digital uptake in banking transactions, loan processing, and sales force operations. The bank received awards for Banking Technology and Customer Experience in July and September 2026.
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