Jana Small Finance Bank Limited

NSE: JSFB · Financial Services

₹407.20+0.07%06 Nov 2026

Ask the data

Instant answers about Jana Small Finance Bank Limited — computed from its filings, no language model

Market cap₹4,309 cr

Current price₹407.20

High / Low₹585 / ₹342

P/E9.1

P/B0.88

Book value₹465.0

ROE9.7%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹44.90

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY24	FY26
Total income	4,684	6,375
Pre-provision op. profit	1,193	1,166
Operating margin	25.5%	18.3%
Interest	1,886	2,760
Profit before tax	514	326
Tax	0	0
Net profit	670	326
EPS ₹	90.85	31.02
Operating cash flow	707	594
Capex	77	122
Dividend paid	0	0
Total assets	32,710	47,448
Equity	3,577	4,470

Quarterly performance

last 11 quarters · ₹ crore

showing latest 8 of 11 periods

	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	1,178	1,291	1,356	1,342	1,355	1,516	1,552	1,629	1,710	1,741	1,816
Pre-provision op. profit	295	342	356	299	279	298	279	287	335	333	374
Operating margin	25.1%	26.5%	26.2%	22.3%	20.6%	19.7%	18.0%	17.6%	19.6%	19.1%	20.6%
Other income	140	180	189	176	177	266	247	245	266	227	229
Interest	490	520	557	572	585	655	686	709	709	732	768
Profit before tax	135	166	160	88	105	102	75	10	140	155	170
Tax	0	0	-10	-8	-5	0	0	0	0	0	0
Net profit	135	322	171	97	111	102	75	10	140	155	170
EPS ₹	18.30	34.55	16.31	9.25	10.57	9.69	7.13	0.92	13.28	14.74	16.12
Revenue YoY	—	—	—	—	15.1%	11.8%	15.7%	20.2%	—	14.9%	17.0%
Profit YoY	—	—	—	—	-17.8%	-40.2%	-22.5%	-91.2%	—	52.3%	127.1%

Returns & margins

trailing-twelve-month, per quarter

	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
ROE	18.7%	18.1%	7.3%	8.5%	9.7%
Net margin	14.0%	13.1%	5.1%	5.7%	6.9%
EBITDA margin	25.0%	23.9%	18.7%	18.6%	19.3%
Asset turnover	0.15	0.16	0.14	0.14	0.14

Balance sheet

equity vs borrowings over time · ₹ crore

	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	105	105	105	105	244
Reserves	3,473	3,756	4,209	4,365	4,677
Total equity	3,577	3,861	4,314	4,470	4,921
Deposits	22,571	24,808	32,532	35,784	38,221
Borrowings	5,211	3,547	3,810	5,497	5,248
Total assets	32,710	33,434	42,188	47,448	50,115
Advances	23,111	24,861	29,743	33,828	35,445
Investments	6,738	5,816	8,644	9,812	10,062
Fixed assets	142	151	177	199	247
Cash & bank balances	2,054	1,903	2,683	2,558	3,334

Cash flow

annual · ₹ crore · line = free cash flow

	FY24	FY26
Cash from operations	707	594
Cash from investing	-780	-4,133
Cash from financing	33	1,641
Capex	77	122
Free cash flow	630	471
Dividends paid	0	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹35,445 cr71%

Investments

₹10,062 cr20%

Fixed assets

₹247 cr0%

Cash & bank

₹3,334 cr7%

Other assets

₹1,026 cr2%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
Jana Small Finance Bank Limited	4,309	407.20	9.1	0.88	9.7%

StoxGud checklist: Bearish setup · 3/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-18.6%

6 months-13.5%

1 year-8.5%

3Y CAGR—

5Y CAGR—

10Y CAGR—

50-day avg₹481.78

200-day avg₹454.72

RSI (14)31

FAQs

What is the share price of Jana Small Finance Bank Limited?

Jana Small Finance Bank Limited (JSFB) closed at ₹407.20 on NSE on 06 Nov 2026.

What is the market cap of Jana Small Finance Bank Limited?

₹4,309 crore at the latest close.

What is the P/E ratio of Jana Small Finance Bank Limited?

9.1, on trailing-twelve-month earnings from its filings.

How fast is Jana Small Finance Bank Limited growing?

Jana Small Finance Bank Limited: Latest-quarter revenue is up 17.0% year on year, profit up 127.1%.

How profitable is Jana Small Finance Bank Limited?

On a trailing-twelve-month basis return on equity is 9.7%, operating margin 19.3%, net margin 6.9%.

How much debt does Jana Small Finance Bank Limited have?

Debt to equity isn't meaningful for Jana Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Jana Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from DEC '23, annual from FY24, balance sheet from Mar '24. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.