Jana Small Finance Bank Ltd · NSE:JSFB
Jana Small Finance Bank — Q4 FY26 Earnings Presentation
30 slides from Jana Small Finance Bank's earnings presentation, Apr 29, 2026
Slide 1: Jana Small Finance Bank Q4FY26 Investor Presentation
Jana Small Finance Bank Q4FY26 Investor Presentation 29th April 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. 140 crs and Net credit cost of Rs. 156 crs in line with guidance
PAT at Rs. 140 crs and Net credit cost of Rs. 156 crs in line with guidance • Overall SMA as on March 2026 (3.7%) is lower than March 2024 (4.0%) when the MFI flows began. SMA book as a %age of GLP 6.19% 5.34% • Slippages for Q4 FY26 is lower by 24% vs Q3 FY26 and lowest in the year 4.98% 4.60% 3.99
Slide 4: Strong Advances and Deposits growth @ 35k crs each; with improved NIMs and reduced CoF
Strong Advances and Deposits growth @ 35k crs each; with improved NIMs and reduced CoF • Deposits and CASA – • Total Deposits at Rs. 35,784 crores; growth of 23% in FY26 • Cost of Funds at 7.46% for Q4 FY 26 from 8.03% in Q4 FY 25 • Secured Assets – • 28% y-o-y growth and 9% QoQ growth; Secured Book
Slide 5: GNPA moderates to 2.33% — lower sequentially and annually
GNPA moderates to 2.33% — lower sequentially and annually Particulars Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Credit Cost 187 191 266 195 Less: Recoveries under Other Income 31 33 25 39 Net Credit Cost 156 158 241 156 Net Credit Cost % of GLP 0.57% 0.55% 0.79% 0.47% GNPA Movement Q1 FY26 Q2 FY26 Q3 FY26 Q4
Slide 6: National franchise with strong brand recognition
National franchise with strong brand recognition 822 Outlets; Presence in 23 States and 2 UTs Expansion plan for FY271 New Products launch plan TAMIL NADU 12.4% FY 27 Particulars FY 26 Plan MAHARASHTRA 11.6% ODISHA 10.8% New Branches 12 8 MADHYA PRADESH 10.8% Split Branches 26 30 KARNATAKA 7.9% GUJA
Slide 7: Advances growth of ~23% for the year; Secured grows by ~28% y-o-y
Advances growth of ~23% for the year; Secured grows by ~28% y-o-y • Advances1 growth of ~23% y-o-y and 9% q-o-q to Rs. 36,289 Crs • Secured growth of ~28% y-o-y and 9% q-o-q • Gold - 35% q-o-q, Vehicle Loans 16% q-o-q, MSME 9% q-o-q and Affordable housing 8% q-o-q growth continues to maintain Secure
Slide 8: Secured loan growth 28% y-o-y, unsecured growth restarted
Secured loan growth 28% y-o-y, unsecured growth restarted Average Advances1 Advances1 Category of Advance1 GLP Ticket Size Growth Growth GNPA3 NNPA3 LTV4 (As at March 31, 2026) (Rs. Mn) 2 y-o-y q-o-q Affordable Housing 8,174 1.27 33.2% 8.3% 0.4% 0.3% 52.3% Micro LAP 6,305 0.67 9.4% 1.7% 1.1% 0.7% 38
Slide 9: CGMFU / CGTMSE covers 77% of the Unsecured book
CGMFU / CGTMSE covers 77% of the Unsecured book1 % GLP NPA Book INR crs GLP under GNPA Provision NNPA under GNPA% NNPA% PCR% Guarantee Guarantee Individual loans 6,376 74.0% 108 38 70 66 1.69% 1.10% 35.28% Group Loans including BC 3,298 78.8% 548 434 114 85 16.57% 3.95% 79.31% Unsecured Book1 9,674
Slide 10: 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 36%. No concentration Maharashtra Tamil Nadu Karnataka Gujarat Secured Advances1 (Rs. Crs) Madhya Pradesh Rajasthan Uttar Pradesh Others 26,332 20,633 72.6% 33% 34% 33% 69.8% 14,745 55.8%
Slide 11: 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 12: 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 Penetration Relationships 99% 99% 91% 91% 3.8 4.0 20% 20% FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 Gold Penetration Preapproved Business Loan TWL Penetration CASA AMB Balance
Slide 13: Deposit Growth robust along with reduction in cost
Deposit Growth robust along with reduction in cost • Cost of deposits reduces by ~21 bps to 7.49% for Q4 FY26 vs 7.71% in previous quarter • Deposits growth of 23% y-o-y and 6% q-o-q to Rs. 35,784 Crs • CASA growth of 23% y-o-y and (5%) q-o-q to Rs. 6,418 Crs; CASA ratio at 18% • Term Deposits growt
Slide 14: Cost of funds reduced by ~50bps YoY
Cost of funds reduced by ~50bps YoY Top 3 states 36%. No concentration Particulars Mar-26 Dec-25 Mar-25 q-o-q (%) y-o-y (%) Karnataka Maharashtra Punjab West Bengal CASA 6,418 6,742 5,235 (4.8%) 22.6% Tamil Nadu Delhi Uttar Pradesh Others TD 29,366 26,991 23,884 8.8% 23.0% Total Deposits 35,784 33,7
Slide 15: 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 27,141 QR Codes Installed across merchants
Slide 16: Q4 Highlights – ROA and ROE starting to normalize
Q4 Highlights – ROA and ROE starting to normalize Assets Liabilities Asset Quality Capital Quality Return Ratios P&L Metrics Rs. 36,289 Crs Rs. 35,784 Crs 2.33% Rs. 424 1.3% Rs. 140 Crs 8.9% 6.1% [2.49%] [Rs. 411] [0.1%] [10 Crs] Advances1 Growth Deposits Growth Gross NPA3 BVPS ROA PBT (q-o-q) (q-o-
Slide 17: FY26 Highlights – Strong Balance Sheet Growth with improving credit quality
FY26 Highlights – Strong Balance Sheet Growth with improving credit quality Assets Liabilities Asset Quality Capital Quality Return Ratios P&L Metrics Rs. 36,289 Crs Rs. 35,784 Crs 2.33% Rs. 424 0.8% Rs. 326 Crs 22.8% 22.9% [2.54%] [Rs. 392] [1.5%] [474 Crs] Advances1 Growth Deposits Growth Gross NP
Slide 18: Key Financials
Cor y Jana Small coo Finance Bank A SCHEDULED COMMERCIAL BANK Key Financials 18
Slide 19: Financial Ratios – NIM starting to improve
Financial Ratios – NIM starting to improve RoA and RoE1 Yield and NIMs2 RoE (%) RoA (%) NIM (%) Yield on advances (%) 12.8% 13.0% 16.1% 17.2% 16.1% 16.0% 7.6% 6.6% 7.2% 7.6% 6.7% 0.9% 1.3% 1.5% 0.8% 0.1% Q3 FY26 Q4 FY26 FY25 FY26 Q3 FY26 Q4 FY26 FY25 FY26 Operational efficiencies Total Revenues grow
Slide 20: Balance Sheet – Robust Financial Position
Balance Sheet – Robust Financial Position March 31, December 31, March 31, Particulars Borrowings: 2025 2025 2026 CAPITAL AND LIABILITIES Borrowings includes Capital 105 105 105 • Refinance - Rs. 4,164 crores Reserves & surplus 4,013 4,220 4,367 • Tier-2 capital - Rs. 375 crores Deposits 29,120 33,7
Slide 21: P&L Statement
P&L Statement Break-up of Other Income for Q4 FY26: Particulars Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Other Income includes: • Commission, exchange and brokerage – Interest Income 1,184 1,374 1,445 4,671 5,353 Rs. 207 crores [Rs. 201 crores]: Interest Expense 602 709 709 2,317 2,760 • Processing Fee - R
Slide 22: 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 23: 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 24: 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 25: Jana conferred Best Small Finance Bank award by BT with KPMG
Jana conferred Best Small Finance Bank award by BT with KPMG February 2026 - Jana Small Finance Bank has been conferred the Best Small Finance Bank award at the 30th edition of the Business Today Banking & Economy Summit & Best Banks Awards, held on Saturday, February 28 at the National Stock Exchan
Slide 26: Thank You
Jana Small Finance Bank A SCHEDULED COMMERCIAL BANK Thank You
Slide 27: Jana partners with RCB as its Official Banking partner
Jana partners with RCB as its Official Banking partner
Slide 28: Innovative Product offerings
Innovative Product offerings 28
Slide 29: Best-in-class segment offerings
Best-in-class segment offerings 29
Slide 30: 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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