Jana Small Fin. Bank
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Jana Small Fin. Bank share price

Jana Small Finance Bank Ltd.

NSE: JSFB BSE: 544118 SECTOR: Bank - Private  86.13 K   50   6

465.25
+4.80 (1.04%)
BSE: 13 Aug 04:01 PM

Price Summary

Today's High

₹ 465.95

Today's Low

₹ 457.9

52 Week High

₹ 619

52 Week Low

₹ 364

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 4894.51 Cr.

CASA %

17.98

No. of Shares

10.52 Cr.

P/E

11.31

P/B

1.17

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  398.63

Net Interest Income

₹ 2393.14 Cr.

Cost To Income %

61.3

Promoter Holding

21.88 %

EPS (TTM)

₹  41.14

CAR %

20.68

ROE

13.1 %

ROCE

9.74%

Profit Growth

-25.11 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year13.1%
3 Year19.88%
5 Year13.86%

ROA%

1 Year1.41%
3 Year1.61%
5 Year1.07%

Net NPA%

1 Year0.94%
3 Year1.38%
5 Year2.68%

 NIM

1 Year6.37%
3 Year6.55%
5 Year6.71%

CAR %

20.68

Cost of Liabilities %

7.023

PEG Ratio

NA

Advances Growth %

17.4988

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 21.88 0.00
Mar 2025 22.28 0.00
Dec 2024 22.35 0.00
Sep 2024 22.38 0.00
Jun 2024 22.54 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.60693333333333% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 19.8769%.
  • The company has been consistently maintaining a NIM of 6.5546% since last 3 years.
  • Good Capital Adequacy Ratio of 20.68%.
  • The company has delivered good Profit growth of 206.168792196519% over the past 3 years.
  • Strong Advances growth of 27.8096722037336% in the last 3 years.

 Limitations

  • CASA Growth of -1.7232% YoY, which is very low.
  • Low CASA Ratio of 17.9785%.
  • High Cost to income ratio of 61.301%.
  • Increase in Provision and contingencies of 10.8593033832841% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 1167.06 1166.05 1177.41 1199.28 1250.16
Other Income 189.01 175.56 177.4 233.88 265.99
Interest Expended 557.31 572.14 584.83 602.38 655.06
Operating Expenses 442.98 470.82 490.9 537.93 562.95
Total Provisions 195.65 210.28 173.75 173.01 196.21
Profit Before Tax 160.13 88.38 105.34 119.84 101.93
Tax -10.43 -8.34 -5.32 -3.64 0
Net Profit 170.56 96.72 110.66 123.48 101.93
Net NPA % 0.99 0.99 0.94 0.94 0.94
Gross NPA % 2.62 2.97 2.8 2.71 2.91
Return on Assets % 2.1 1.17 1.3 1.4 1.07
NPM % 14.61 8.29 9.4 10.3 8.15

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 2497.73 2726.54 3075.01 4013.81 4709.79
Other Income 223.01 335.83 624.86 670.24 775.86
Interest Expended 1234.58 1336.75 1414.99 1885.9 2316.66
Operating Expenses 1047.31 1138.82 1284.51 1604.84 1942.63
Total Provisions 366.59 569.32 744.4 678.96 752.69
Profit Before Tax 72.26 17.47 255.97 514.35 473.68
Taxes 0 0 0 -155.19 -27.74
Net Profit 72.26 17.47 255.97 669.54 501.42
Adjusted EPS (Rs.) 14.24 3.4 46.56 64.02 47.73

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 200.73 201.41 324.98 104.59 105.06
Total Reserves 900.04 983.15 1452.09 3461.91 3986.55
Deposits 12316.26 13536.49 16334.02 22571.25 29119.78
Borrowings 4815.32 4509.83 6277.46 5211.46 3866.82
Other Liabilities 832.27 941.68 1234.96 1349.98 1358.67
Total Liabilities 19078.66 20188.71 25643.69 32709.78 38463.62
Assets
Balance with RBI 2125.29 1530.02 1010.94 1025.59 2816.06
Balance with Banks 134.48 7.07 1076.37 1027.1 1643.26
Investments 4697.79 5065.26 5221.22 6737.69 5944.58
Advances 11599.67 13006.67 17759.56 23111.27 27155.48
Net Block 210.81 170.47 122.6 138.65 149.96
Other Assets 309.37 408.03 447.85 666.54 751.06
Total Assets 19078.66 20188.71 25643.69 32709.78 38463.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 22.54 22.38 22.35 22.28 21.88
jana holdings limited 22.54 22.38 22.35 22.28 21.88
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 77.46 77.62 77.65 77.72 78.12
amansa holdings private l... 6.10 6.10 6.09 6.07 6.07
ananta capital ventures f... 1.57 1.57 1.56 1.56 1.56
bajaj allianz life insura... - - - 1.15 1.15
barclays wealth trustees ... 1.74 1.74 1.73 1.73 1.73
bharti (satya) trustees p... 2.76 2.76 2.76 2.75 2.75
bimal niranjan parikh - - - - 1.05
harbourvest partners co-i... - 2.39 2.39 2.38 2.38
icici prudential life ins... - 1.57 1.57 1.56 1.56
jm financial mutual fund ... - - - 1.25 1.33
kotak mahindra life insur... 1.12 1.12 - - 1.11
north haven private equit... 3.97 - 3.96 3.95 3.94
puran associates private ... 1.38 1.38 1.38 1.37 1.37
qrg investments and holdi... 2.00 2.00 1.99 1.99 1.98
quant mutual fund - quant... 2.42 3.70 3.70 - 3.68
singularity growth opport... 1.24 1.24 1.08 1.08 1.07
sunil kant munjal 3.73 3.73 3.72 3.71 3.71
tpg asia vi sf pte. ltd. 8.17 8.17 8.15 8.13 8.12
tree line asia master fun... 2.01 1.80 1.80 1.79 1.79
volrado venture partners ... 2.97 2.80 2.79 2.78 2.78
kotak mahindra life insur... - - 1.11 1.11 -
quant mutual fund - quant... - - - 3.69 -
viral amal parikh 1.12 1.12 1.12 1.12 -
anchorage capital fund - ... 1.59 1.02 1.01 - -
bajaj allianz life insura... - - 1.15 - -
motilal oswal focused fun... - - 1.78 - -
bajaj allianz life insura... 1.15 1.15 - - -
north haven private equit... - 3.97 - - -
harbourvest partners co-i... 2.39 - - - -
icici prudential life ins... 1.57 - - - -

Annual Reports

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Ratings & Research Reports

TYPE AGENCY Link
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Credit ICRA
Credit CARE
Credit INDIA RATINGS
Credit ICRA
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Research Ventura
Research Nuvama Wealth
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Research Nuvama Wealth
Research Edelweiss
Research IDBI Capital

Concalls & Presentations

TYPE QUARTER Link
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Concall Q3FY24
Concall Q1FY26
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q3FY24
Presentation Q2FY25
Presentation Q2FY25
Presentation FY2024

Company News

Jana Small Finance Bank informs about audio recording of conference call 23 Jul, 9:42 AM Jana Small Finance Bank informs about allotment of equity shares under ESOP 22 Jul, 5:33 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Finance Bank submits board meeting intimation 14 Jul, 2:45 PM Jana Small Finance Bank informs about closure of trading window 26 Jun, 12:36 PM Jana Small Finance Bank informs about disclosure 11 Jun, 12:22 PM Jana Small Finance Bank applies for universal banking licence 10 Jun, 11:28 AM Jana Small Finance Bank informs about allotment of equity shares 9 Jun, 3:48 PM Jana Small Finance Bank informs about allotment of equity shares under ESOP 9 Jun, 11:27 AM Jana Small Finance Bank informs about analyst meet 23 May, 10:07 AM Jana Small Finance Bank submits analyst meet intimation 16 May, 4:34 PM Jana Small Finance Bank informs about analyst meet 16 May, 10:53 AM Jana Small Finance Bank informs about outcome of board meeting 29 Apr, 5:36 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 5:04 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 5:04 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 5:04 PM Jana Small Finance Bank informs about allotment of equity shares under ESOP 23 Apr, 12:16 PM Jana Small Finance Bank informs about analyst meet 25 Mar, 2:30 PM Jana Small Finance Bank informs about updates 7 Mar, 1:50 PM Jana Small Finance Bank gets licence to act as Authorized Dealer Category-I 7 Mar, 12:30 PM Jana Small Finance Bank informs about analyst meet 27 Feb, 5:07 PM Jana Small Finance Bank informs about integrated filing 11 Feb, 1:49 PM Jana Small Finance Bank submits analyst meet intimation 10 Feb, 4:52 PM Jana Small Finance Bank informs about press release 22 Jan, 4:59 PM Jana Small Finance Bank informs about press release 21 Jan, 5:08 PM Jana Small Finance Bank informs about investor presentation 21 Jan, 4:50 PM Jana Small Fin. Bank - Quaterly Results 21 Jan, 3:46 PM Jana Small Fin. Bank - Quaterly Results 21 Jan, 3:46 PM Jana Small Fin. Bank - Quaterly Results 21 Jan, 3:46 PM Jana Small Finance Bank informs about corporate governance report 13 Jan, 9:59 AM Jana Small Finance Bank informs about board meeting 3 Jan, 10:20 AM Jana Small Finance Bank informs about closure of trading window 26 Dec, 10:04 AM Jana Small Finance Bank informs about allotment of equity shares 20 Dec, 5:13 PM Jana Small Finance Bank submits analyst meet intimation 5 Dec, 5:07 PM Jana Small Finance Bank informs about allotment of ESOP 21 Nov, 4:27 PM Jana Small Finance Bank informs about analyst meet 15 Nov, 11:16 AM Jana Small Finance Bank informs about audio recording of conference call 22 Oct, 9:52 AM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Finance Bank informs about analyst meet 16 Oct, 2:46 PM Jana Small Finance Bank launches ‘Liquid Plus Fixed Deposit’ 21 Sep, 11:45 AM Jana Small Finance Bank informs about change in senior management 9 Aug, 5:14 PM Jana Small Finance Bank informs about earnings call recordings 23 Jul, 3:04 PM Jana Small Finance Bank informs about appointment of director 23 Jul, 12:24 PM Jana Small Finance Bank informs about appointment of director 23 Jul, 12:12 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM

Jana Small Fin. Bank Stock Price Analysis and Quick Research Report. Is Jana Small Fin. Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Jana Small Fin. Bank stock price today is Rs 462.7. Let’s look at how Jana Small Fin. Bank is performing and if it is the right time to buy the stock of Jana Small Fin. Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Jana Small Fin. Bank has earned Rs 4709.7939 Cr. revenue in the latest financial year. Jana Small Fin. Bank has posted outstanding revenue growth of 19.9856984654699 % in last 3 Years.

  • In terms of advances, Jana Small Fin. Bank reported 17.4988 % YOY,  rise . If you see 3 years advance growth, it stands at 27.8096722037336 %.

  • Currently, Jana Small Fin. Bank has a CASA ratio of 17.9785 %. It’s overall cost of liability stands at 7.023 %. Also, the total deposits of Jana Small Fin. Bank from these accounts stood at Rs 29119.7813 Cr.

  • Jana Small Fin. Bank has a healthy ROA track record. The ROA of Jana Small Fin. Bank is at 1.409 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.71 % and 0.94 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 10.8593033832841 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Jana Small Fin. Bank surged and is currently at Rs 775.861 Cr.

  • Jana Small Fin. Bank has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Jana Small Fin. Bank is trading at a P/B of 1.1591 . The historical average PB of Jana Small Fin. Bank was 0.44966.

  • Share Price: - The current share price of Jana Small Fin. Bank is Rs 462.7. One can use valuation calculators of ticker to know if Jana Small Fin. Bank share price is undervalued or overvalued.

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Brief about Jana Small Fin. Bank
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