Jana Small Finance Bank has reported a strong performance for the quarter ended March 31, 2026, with Profit After Tax (PAT) at Rs 140 crore, supported by robust growth in advances, improved margins, and better asset quality.
The bank recorded its highest-ever quarterly disbursement at Rs 7,894 crore, reflecting sustained demand across segments. Gross Loan Portfolio (GLP) stood at Rs 36,289 crore, registering a growth of 23 per cent year-on-year and 9 per cent quarter-on-quarter, with the secured portfolio contributing 73 per cent of the overall book. Secured assets grew 28 per cent year-on-year, while unsecured assets rose 9 per cent year-on-year, with around 77 per cent of the unsecured book covered under guarantee programmes.
Deposits rose to Rs 35,784 crore, marking a 23 per cent year-on-year growth and 6 per cent sequential increase. CASA deposits grew 23 per cent year-on-year, while term deposits also expanded 23 per cent year-on-year. The credit-to-deposit ratio stood at 94.5 per cent.
Asset quality improved during the quarter, with Gross NPA declining to 2.3 per cent and Net NPA at 0.9 per cent. Provision Coverage Ratio stood at 76 per cent, including technical write-offs. Slippages reduced by 24 per cent compared to the previous quarter, while credit cost declined to 0.47 per cent from 0.79 per cent in Q3FY26.
Margins showed improvement, with Net Interest Margin rising to 7.22 per cent in Q4FY26 from 6.61 per cent in the previous quarter, supported by a reduction in cost of funds to 7.46 per cent. The bank maintained a strong capital position, with Capital Adequacy Ratio at 19.4 per cent and Tier-1 ratio at 17.5 per cent.
Commenting on the performance, Ajay Kanwal, MD and CEO, Jana Small Finance Bank, said, “Q4 FY26 has been a strong and encouraging quarter for the Bank, reflecting the resilience of our business model and the disciplined execution of our strategy. We have delivered both on quantity and quality and see it sustaining into next FY. As we move into the new financial year, we remain cautiously optimistic. While the macroeconomic environment continues to evolve, we are confident in our ability to sustain growth momentum while maintaining prudent risk management and strong governance standards. We remain committed to sustaining the turnaround of Q4 into next FY.”
The bank’s performance reflects a balanced growth trajectory with a continued focus on secured lending, improving operational efficiency, and strengthening asset quality metrics.
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