Mumbai, October 23, 2026: Jana Small Finance Bank reported a 127% year-on-year increase in profit after tax to ₹170 crore for the quarter ended September 2026 (Q2FY27), as the lender posted strong growth in assets and deposits.
The bank’s gross loan portfolio (GLP) reached ₹38,752 crore, marking a 22% rise from the previous year and a 3% increase quarter-on-quarter. Secured assets accounted for 73.7% of the GLP, with secured lending growing 24% year-on-year and 4% sequentially, while unsecured assets rose 17% year-on-year.
Deposits and capital position
Total deposits stood at ₹38,221 crore, up 17% year-on-year. Current and savings account (CASA) deposits grew by 13%, and term deposits increased by 19% over the same period. The bank’s credit to deposit ratio was 92.7%.
Jana Small Finance Bank reported a capital adequacy ratio of 20.0%, with Tier-1 capital at 18.2%.
Asset quality and margins
The gross non-performing asset (GNPA) ratio stood at 2.17%, while the net NPA (NNPA) ratio was 1.08%. The bank’s net interest margin (NIM) improved to 7.5% in Q2FY27 from 6.5% in the same quarter last year.
Operating efficiency
The bank said operating leverage improved during the quarter, with costs marginally lower compared to the previous period.
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