Jana SFB Q3FY26 Net Profit at ₹186.61 Crore, CAR at 19.17%
Jana Small Finance Bank reported unaudited results for Q3FY26. Net profit was ₹186.61 crore, with EPS ₹17.74 (basic). Debt-Equity Ratio stood at 0.87, and CAR at 19.17%. For nine months, net profit was ₹186.61 crore. An estimated ₹11.89 crore impact from new labour codes was recognized.
The results show steady performance, but the impact of new labor codes introduces some uncertainty. The net profit figure is a significant positive.
The bank reported positive financial results with a net profit and maintained a healthy capital adequacy ratio. The impact of new labor codes is acknowledged as an estimate.
Jana Small Finance Bank Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results on February 6, 2026. The net profit for the quarter stood at ₹186.61 crore, with basic Earnings Per Share (EPS) at ₹17.74 and diluted EPS at ₹17.66. The bank reported a Debt-Equity Ratio of 0.87 and a Capital Adequacy Ratio (CAR) of 19.17% as per Basel-II norms.
For the nine months ended December 31, 2025, the bank's net profit was ₹186.61 crore. Key financial metrics for the period include a Net Worth of ₹4,036.19 crore, Gross NPA at 2.59%, and Net NPA at 0.94%. The bank also reported an Operating Margin of 18.39% and a Net Profit Margin of 3.97%. The bank has adjusted its accounting policy for fees related to Priority Sector Lending Certificates (PSLCs), leading to a net increase in profit for the quarter and nine months.
Additionally, the bank has recognized an estimated incremental impact of ₹11.89 crore under 'Employees cost' due to the notification of four new Labour Codes by the Government of India. The bank continues to monitor the finalization of rules and clarifications related to these codes.
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