Jana Small Finance Bank Limited — Investor Meet, 06-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Jana Small Finance Bank reported strong Q4 results, meeting all guidance. Net PAT hit 140 Cr, net credit cost fell to 0.47%, and SMA improved to 3.66%. Assets grew 23% YoY, driven by 28% growth in secured loans, now 72.6% of the book. Deposits also rose 23%. Management declared MFI stress behind them, with slippages at multi-year lows. They project next year's loan growth at 19-21%, deposits at 23-25%, and PAT growth exceeding 80%. Cost-to-income is targeted below 60%. Focus remains on digital expansion, diversified products like gold and used car loans, and improving CASA, aiming for 27-30% growth. The bank is confident in its strategic direction and strong performance trajectory.