JSFB Announces Investor Presentation for Quarter and Half Year Ended Sep 30, 2025
Jana Small Finance Bank announced its investor presentation for the quarter and half year ended September 30, 2025, highlighting growth in deposits, CASA, and advances.
The investor presentation provides insights into the bank's performance and strategy, which could influence investor decisions and market perception.
The announcement is an investor presentation, providing factual information about the bank's financial performance and strategic updates, without overtly positive or negative language.
* Jana Small Finance Bank (JSFB) announced its investor presentation for the quarter and half year ended September 30, 2025. * Total Deposits crossed ₹32,532 crore. * CASA grew by 14% year-to-date, and term deposits grew by 11% year-to-date. * Cost of Deposits at 7.88% for Q2 and 7.92% for H1 FY26. * Advances growth of 20% y-o-y and 6% q-o-q to ₹31,655 crore. * Secured growth rate of 34% y-o-y and 8% q-o-q. * Secured book now @ 72.5% v/s 64.6% in H1 FY25. * Unsecured degrowth by 7% y-o-y; Growth of 0.2% q-o-q to ₹8,715 crore. * Approximately 49% of MFI book covered under Guarantee program. * Completed ₹250 crore Tier 2 capital raise on 16th Oct, improving CAR by about 1.25%. * PAT at ₹177 crore for H1 FY26 post accelerated provisioning of ₹222 crore. * Adjusted RoE (%) for H1 FY25 is 19.1% and for H1 FY26 is 18.5%. * Adjusted RoA (%) for H1 FY25 is 2.2% and for H1 FY26 is 2.0%. * The bank expects asset growth of 35% to 40% with steady margins. * The bank aims to have 95% of its portfolio either secured or covered under a guarantee program by March 2027. * Deposits growth of 31% y-o-y and 11% q-o-q to ₹32,532 crore. * CASA growth of 20% y-o-y and 14% q-o-q to ₹5,960 crore. * Term Deposits growth of 34% y-o-y and 10% q-o-q to ₹26,572 crore. * Credit to Deposits ratio reducing from 100.2% in Sep-24 to 91.4% in Sep-25. * The bank is guiding for GLP growth of ~20%, Deposits Growth of ~18-20%, PAT Growth of ~0-2%, ROA of 1.1% -1.5% and ROE of 10% -15% for FY 2026.
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Jana Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. 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.