Jana Small Finance Bank Ltd · NSE:JSFB
Jana Small Finance Bank — Q1 FY27 Earnings Presentation
31 slides from Jana Small Finance Bank's earnings presentation, Jul 15, 2026
Slide 1: Jana Small Finance Bank Q1FY27 Investor Presentation
Jana Small Finance Bank Q1FY27 Investor Presentation 15th July 2026
Slide 2: Disclaimer
Disclaimer This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Jana Small Finance Bank (the “Bank”) and no part of it shall form the basis of or be relied upon in connection with an
Slide 3: PAT at Rs. 155 Crs, Continued reduction in Slippages
PAT at Rs. 155 Crs, Continued reduction in Slippages • Q1 PAT of Rs 155 crores higher by 52% YoY, with improving NIM and reducing Cost of Funds NIM CoF 8.0% 7.9% 7.7% 7.5% 7.4% • Slippages for Q1 FY27 is lower by 43% vs Q1 FY26 and 13% lower QoQ 7.2% 7.5% 6.6% 6.5% 6.6% • Net credit cost % at 0.45%;
Slide 4: Bank BAU post promoter rating downgrade
Bank BAU post promoter rating downgrade • JHL and JCL, currently promoters of the Bank has a technical default on NCD payment as they extended the tenor by 6 months to give them time to sell their stake. • JHL holds 16.9% stake in the Bank from a peak of 44%. JHL and JCL will apply for de-promoteris
Slide 5: CASA growth of 31% YoY; with improved NIMs and reduced CoF
CASA growth of 31% YoY; with improved NIMs and reduced CoF • Deposits and CASA – • Total Deposits at Rs. 35,756 crores; CASA at Rs. 6,871 crores a growth of 31% YoY • Cost of Funds at 7.4% for Q1 FY 27 from 7.97% in Q1 FY 26 • NIM improves from 6.6% for Q1 FY 26 to 7.5% in Q1 FY 27 • Secured Assets
Slide 6: GNPA moderates to 2.24% — lower sequentially and annually
GNPA moderates to 2.24% — lower sequentially and annually Particulars Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY 27 Credit Cost 187 191 266 195 178 Less: Recoveries under Other Income 31 33 25 39 12 Net Credit Cost 156 158 241 156 166 Net Credit Cost % of average GLP 0.52% 0.51% 0.74% 0.45% 0.45% GNPA Mo
Slide 7: Unlocking Value from Our Pan-India Franchise
Unlocking Value from Our Pan-India Franchise 826 Outlets; Presence in 23 States and 2 UTs Branch Expansion plan for FY271 New Products launch plan TAMIL NADU 12.3% FY 27 Q1 Particulars MAHARASHTRA 11.5% Plan Status ODISHA 10.9% New Branches 8 1 MADHYA PRADESH 10.8% Split Branches 30 6 KARNATAKA 7.9%
Slide 8: Advances growth of 26% and Secured grows by 29% y-o-y
Advances growth of 26% and Secured grows by 29% y-o-y • Advances1 growth of ~26% y-o-y and 4% q-o-q to Rs. 37,612 Crs • Secured growth of ~29% y-o-y and 4% q-o-q • Gold - 113% y-o-y, Vehicle Loans 78% y-o-y, MSME 27% y-o-y, Affordable housing 29% y-o-y. Micro LAP growth slows to 5% y-o-y • Secured b
Slide 9: Secured loan growth 29% y-o-y, unsecured growth restarted
Secured loan growth 29% y-o-y, unsecured growth restarted Average Advances1 Advances1 Category of Advance1 GLP Ticket Size Growth Growth GNPA3 NNPA3 LTV4 (As at June 30, 2026) (Rs. Mn) 2 y-o-y q-o-q Affordable Housing 8,436 1.17 29.1% 3.2% 0.3% 0.2% 50.4% Micro LAP 6,196 0.66 4.6% (1.7%) 0.6% 0.3% 3
Slide 10: CGFMU / CGTMSE covers 80% of the Unsecured book
CGFMU / CGTMSE covers 80% of the Unsecured book1 % GLP under NPA Book under INR crs GLP GNPA Provision NNPA Guarantee Guarantee Individual loans 6,699 81.0% 135 57 78 85 Group Loans including BC 3,356 77.5% 551 414 136 111 Unsecured Book1 10,055 79.8% 686 472 214 196 • We expect to claim Rs. 65 cror
Slide 11: Secured loan on track to 80% with geographic diversification maintained
Secured loan on track to 80% with geographic diversification maintained Moving towards 80% secured Top 3 states 37%. No concentration Maharashtra Tamil Nadu Karnataka Gujarat Secured Advances1 (Rs. Crs) 26,332 Madhya Pradesh Rajasthan Uttar Pradesh Others 27,371 20,633 72.6% 72.8% 33% 34% 33% 33% 69
Slide 12: Bring Your Bank Home
Bring Your Bank Home Home Loan leading to Anchor Bank with Multiple Product Offerings and Special Benefits Two Wheeler loans • Pre-approved Two Wheeler loans Pre-approved Business Loan • 100% funding to the vehicle value • Additional Pre-approved line upto Rs. 5 lakhs available • Lower Processing fe
Slide 13: Anchor Bank Positioning for Rising India shows all round progress
Anchor Bank Positioning for Rising India shows all round progress #Average CASA Penetration TD/RD Penetration Health Insurance Relationships 99% 99% Penetration 91% 91% 3.9 3.9 20% 19% Q1 FY26 Q1 FY27 Q1 FY 26 Q1 FY 27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Gold Penetration Preapproved Business Loan TWL Pe
Slide 14: CASA Growth of 31% YoY with reduction in cost of funds 50bps YoY
CASA Growth of 31% YoY with reduction in cost of funds 50bps YoY • Cost of deposits reduces by ~50 bps to 7.44% for Q1 FY27 vs 7.97% for Q1 FY26 • Deposits growth of 22% y-o-y and flat q-o-q to Rs. 35,756 Crs • CASA growth of 31% y-o-y and 7% q-o-q to Rs. 6,871 Crs; CASA ratio at 19% • Term Deposits
Slide 15: 97% of Retail and 83% of Bulk Deposits are 1 year and above
97% of Retail and 83% of Bulk Deposits are 1 year and above Top 3 states 35%. No concentration Particulars Jun-26 Mar-26 Jun-25 q-o-q (%) y-o-y (%) Karnataka Maharashtra Punjab West Bengal CASA 6,871 6,418 5,233 7.1% 31.3% Tamil Nadu Delhi Uttar Pradesh Others TD 28,885 29,366 24,193 (1.6%) 19.4% To
Slide 16: Digital focus continue with strong all round growth
Digital focus continue with strong all round growth Jana Digitization 90% + Digital Uptake 98 % 99% 99% Digital Highlights Digital Channels Banking transactions Loans are Digitally Sales force use are Digital processed TAB/Mobile Key Highlights Merchant QR 30,904 QR Codes Installed across merchants
Slide 17: Q1 Highlights – ROA and ROE starting to normalize
Q1 Highlights – ROA and ROE starting to normalize Assets Liabilities Asset Quality Capital Quality Return Ratios P&L Metrics Rs. 37,612 Crs Rs. 35,756 Crs 2.24% Rs. 449 1.4% Rs. 155 Crs 3.6% (0.1%) [2.33%] [Rs. 424] [1.3%] [140 Crs] Advances1 Growth Deposits Growth Gross NPA3 BVPS ROA PBT (q-o-q) (q
Slide 18: Y-o-Y Highlights – Strong Balance Sheet Growth with improving credit quality
Y-o-Y Highlights – Strong Balance Sheet Growth with improving credit quality Assets Liabilities Asset Quality Capital Quality Return Ratios P&L Metrics Rs. 37,612 Crs Rs. 35,756 Crs 2.24% Rs. 449 1.4% Rs. 155 Crs 25.7% 21.5% [2.76%] [Rs. 403] [1.1%] [102 Crs] Advances1 Growth Deposits Growth Gross N
Slide 19: Key Financials
Cor y Jana Small coo Finance Bank A SCHEDULED COMMERCIAL BANK Key Financials 19
Slide 20: Financial Ratios – NIM has improved to pre-stress levels
Financial Ratios – NIM has improved to pre-stress levels RoA and RoE1 Yield and NIMs RoE (%) RoA (%) NIM (%) Yield on advances (%) 13.6% 12.8% 9.8% 16.4% 16.1% 16.4% 6.6% 7.2% 7.5% 1.1% 1.3% 1.4% Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Operational efficiencies Total Revenues growth – 16% y-o
Slide 21: Balance Sheet – Robust Financial Position
Balance Sheet – Robust Financial Position June 30, March 31, June 30, Particulars Borrowings: 2025 2026 2026 CAPITAL AND LIABILITIES Borrowings includes Capital 105 105 105 • Refinance - Rs. 4,262 crores Reserves & surplus 4,126 4,365 4,627 • Tier-2 capital - Rs. 375 crores Deposits 29,426 35,784 35
Slide 22: P&L Statement
P&L Statement Break-up of Other Income for Q1 FY27: Particulars Q1 FY26 Q4 FY26 Q1 FY27 Other Income includes: Interest Income 1,241 1,445 1,515 • Processing Fee - Rs. 83 crs [Rs. 72 crs] Interest Expense 655 709 732 • Insurance commission - Rs. 28 crs [Rs. Net Interest Income 586 736 782 50 crs] -
Slide 23: Guidance for FY 2027
Guidance for FY 2027 We continue to serve aspirational India, underserved both on deposits and loans We continue to increase our secured business proportion each year. We are creating a sustainable, predictable and long term franchise. Digital with high standards of governance and customer service a
Slide 24: Experienced and professional management and Board
Experienced and professional management and Board Experienced board with diverse business experience in well-known financial services institutions and banks Name & Designation Past Experience Name & Designation Past Experience Name & Designation Past Experience Chitra Talwar Mr. Dinesh C Patwari • I
Slide 25: Experienced and professional management and Board
Experienced and professional management and Board International best practices in risk management, compliance and governance introduced by management with an average experience of ~29 years in financial services Name & Designation Past Experience Name & Designation Past Experience Name & Designation
Slide 26: Awards and Industry Recognitions
Awards and Industry Recognitions April 2026 – Jana Bank has been conferred the Excellence in Customer Engagement Transformation in Banking award at the BFSI Tech Summit & Awards 2026, held on April 16, 2026, at ITC Maratha, Mumbai. The recognition highlights the Bank's commitment to transforming cus
Slide 27: Thank You
Jana Small Finance Bank A SCHEDULED COMMERCIAL BANK Thank You
Slide 28: Jana partners with RCB as its Official Banking partner
Jana partners with RCB as its Official Banking partner
Slide 29: Innovative Product offerings
Innovative Product offerings 29
Slide 30: Best-in-class segment offerings
Best-in-class segment offerings 30
Slide 31: Abbreviations
Abbreviations Abbreviation Expansion Abbreviation Expansion BC Business Correspondents MFI Micro Finance Institution CAGR Compounded Annual Growth Rate MSME Micro, Small and Medium Enterprises CASA Current Account and Savings Account NACH National Automated Clearing House CGFMU Credit Guarantee Fund
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