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Jana Small Finance Bank delivered a strong Q1 FY27: PAT hit ₹155 Cr, NIM surged to 7.5%, and ROE reached 13.6%. Credit cost remained low at 0.45%, with Gross NPA at 2.24% and Net NPA at 0.85%.
Deposits grew robustly YoY, fueled by 7.1% QoQ CASA growth. Secured assets increased 29%. Significantly, nearly 80% of the unsecured book is now under a guarantee program, limiting future loss risk.
Management reiterated FY27 guidance: 19-21% loan growth, 23-25% deposit growth, and over 80% PAT growth. New products like UPI Credit Line and Loans Against Shares are launching. Management maintains a confident outlook, emphasizing no operational impact from the promoter rating action.