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Investor Presentation

Jana Small Finance Bank Investor Presentation: Key Takeaways

Q2 FY27 PAT Rs170 Cr (+127% YoY, +10% QoQ); NII Rs819 Cr (+35% YoY); NIM 7.54%. FY27 PAT growth guidance raised to ~100%.

Jana Small Finance Bank Ltd NSE: JSFB Alert sent Investor presentation
Why this was an Alfa AlertNet Profit guidance raised from 80% to 100% (+20pp).
Guidance and delivery
Net Profit guidance 80.0% → 100.0% Raised by 20.0 percentage points
Management target Net Profit 100.0% FY27
Highlights
Revenue growthTotal revenue +18% YoY, +4% QoQ
MarginsNIM 7.54% vs 6.5% YoY; cost of funds 7.4% vs 7.9%
Demand visibilityDisbursements Rs4,414 Cr, +7% YoY; secured mix 73.7%
Management confidenceRaised FY27 PAT guidance to ~100%

Growth

Advances Rs38,752 Cr (+22% YoY); deposits Rs38,221 Cr (+17.5% YoY). H1 FY27 PAT Rs326 Cr vs Rs177 Cr.

Outlook

FY27 guidance: GLP growth ~19-21%, deposits ~23-25%, PAT ~100%. NNPA to fall below 1% after Q3 claim settlement.

Risks

GNPA 2.17%, NNPA 1.08% pending Rs68 Cr claim; Q2 credit cost Rs203 Cr; drought stress in Assam, Maharashtra, Karnataka; gold margin calls.

Source

Investor Presentation filed with BSE, NSE: JSFB. Summary written with AI assistance from the document.

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Jana Small Finance Bank Ltd: key numbers

Share price
₹378.75
Market cap
₹4,009 Cr
Revenue (annual)
₹5,353 Cr
Net profit (annual)
₹326.4 Cr
P/E (TTM)
8.4×Sector 19.7×
Promoter holding
16.87%-0.07% QoQ
FII holding
5.10%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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