Jana Small Finance Bank Limited — PPTs, 29-04-2026: Investor Presentation

Jana Small Finance Bank rocked Q4 FY26! Net Profit (PAT) hit 140 Cr, a huge jump from last quarter. Total assets surged 23% YoY to 36,289 Cr, largely driven by a 28% increase in secured loans. Deposits matched this growth, also up 23% YoY to 35,784 Cr.

The bank is actively building a stronger, safer portfolio, with secured loans now making up 72.6% of its book. Credit quality is looking up, with Gross NPAs easing to 2.33% and Net NPAs at 0.88%. Digital adoption is booming, with mobile banking registrations up 114% YoY and 98% digital banking transactions.

Cost of funds reduced by 50bps YoY to 7.5%, boosting Net Interest Margin (NIM) to 7.2%. Management is bullish on FY27, guiding for 19-21% GLP growth, 23-25% deposit growth, and a whopping 80%+ PAT growth. Expect continued focus on secured lending, digital push, and expanding reach. The bank was also named "Best Small Finance Bank" recently!