Jana SFB Q4FY26 Investor Presentation: PAT at ₹140 Cr, Deposits Grow 23% YoY
Jana Small Finance Bank's Q4FY26 investor presentation reveals a PAT of ₹140 crore. Deposits grew 23% YoY to ₹35,784 crore, with a reduced cost of funds. Advances increased 23% YoY to ₹36,289 crore, with secured loans up 28% YoY. GNPA moderated to 2.33%.
The investor presentation provides key financial and operational highlights for the quarter and year, which are important for investors to assess the bank's performance and future outlook.
The bank reported strong YoY growth in deposits and advances, improved asset quality with lower GNPA, and reduced cost of funds. The PAT for the quarter was healthy.
Jana Small Finance Bank Limited has released its investor presentation for the quarter and year ended March 31, 2026. The presentation highlights a Profit After Tax (PAT) of ₹140 crore for the fourth quarter of FY26. The bank reported a robust year-on-year (YoY) growth of 23% in its deposit book, reaching ₹35,784 crore. The cost of deposits saw a reduction, standing at 7.46% for Q4 FY26, down from 8.03% in Q4 FY25.
Advances grew by approximately 23% YoY and 9% quarter-on-quarter (QoQ) to ₹36,289 crore. The secured loan portfolio experienced significant growth of 28% YoY and 9% QoQ, now constituting 72.6% of the total advances. The unsecured book also grew by 8.5% YoY and 10.0% QoQ to ₹9,674 crore, with approximately 77% of this book covered under a guarantee program.
The bank reported a Gross Non-Performing Asset (GNPA) ratio of 2.33% as of March 2026, which is lower sequentially and annually. Net credit cost also improved, decreasing from 0.79% in Q3 FY26 to 0.47% in Q4 FY26.
Jana Small Finance Bank also detailed its expansion plans for FY27, aiming to open new branches and relocate existing ones. The bank continues to focus on digital initiatives, with a high digital uptake in banking transactions, loan processing, and sales force enablement. The bank was also recognized with the 'Best Small Finance Bank' award by Business Today with KPMG in February 2026.
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Jana Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Jana Small Finance Bank Limited. Read the original for the full detail.