Jana Small Finance Bank Limited
NSE: JSFB · Other Bank
Snapshot
Unlock Jana Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jana Small Finance Bank Limited is an Indian financial institution providing a comprehensive suite of banking products, including savings accounts, diverse loan portfolios, and insurance services. It operates through Treasury, Retail, Corporate, and other banking segments, serving both individual and enterprise customers.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio, which includes two-wheeler, gold, home, and agri-business loans. Additionally, it earns fee-based income through insurance distribution, payment services, and various banking transaction charges.
Growth Outlook
Growth is driven by the expansion of its retail banking footprint and the deepening of credit penetration in underserved segments such as agri-group and consumer loans. The bank continues to leverage digital banking infrastructure to improve customer acquisition and operational efficiency.
Key Risks
- Credit Risk. The bank faces potential asset quality deterioration due to its significant exposure to microfinance and small-ticket retail lending segments.
- Regulatory Risk. As a Small Finance Bank, it is subject to stringent regulatory oversight by the Reserve Bank of India regarding priority sector lending targets and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates may impact the bank's net interest margins and the demand for its credit products.
- Competition. Intense competition from larger commercial banks and other fintech players may pressure margins and market share in the retail banking space.
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Key Metrics
NET PROFIT
₹380 Cr
TTM · standalone
EPS
₹36.07
TTM · standalone
P/E
14.8x
Q1 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Jana Small Finance Bank LimitedJSFB | ₹5,637 Cr | 14.84 | — | — | — | 7.6% | — | +9.6% |
Equitas Small Finance Bank LimitedEQUITASBNK | ₹8,343 Cr | 16.32 | — | — | — | 2.5% | — | +38.6% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,591 Cr | -2.12 | — | — | — | 18.5% | — | -32.1% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,137 Cr | -3.60 | — | — | — | — | — | +41.8% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,616 Cr | 8.42 | — | — | — | 9.6% | — | +21.6% |
Capital Small Finance Bank LimitedCAPITALSFB | ₹1,276 Cr | — | — | — | — | 9.7% | — | -5.4% |
Financials
Jana Small Finance Bank Limited
NSE: JSFB · Other Bank
Snapshot
Unlock Jana Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jana Small Finance Bank Limited is an Indian financial institution providing a comprehensive suite of banking products, including savings accounts, diverse loan portfolios, and insurance services. It operates through Treasury, Retail, Corporate, and other banking segments, serving both individual and enterprise customers.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio, which includes two-wheeler, gold, home, and agri-business loans. Additionally, it earns fee-based income through insurance distribution, payment services, and various banking transaction charges.
Growth Outlook
Growth is driven by the expansion of its retail banking footprint and the deepening of credit penetration in underserved segments such as agri-group and consumer loans. The bank continues to leverage digital banking infrastructure to improve customer acquisition and operational efficiency.
Key Risks
- Credit Risk. The bank faces potential asset quality deterioration due to its significant exposure to microfinance and small-ticket retail lending segments.
- Regulatory Risk. As a Small Finance Bank, it is subject to stringent regulatory oversight by the Reserve Bank of India regarding priority sector lending targets and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates may impact the bank's net interest margins and the demand for its credit products.
- Competition. Intense competition from larger commercial banks and other fintech players may pressure margins and market share in the retail banking space.
Start your research today
Unlock AI insights, financials, peers and live data on Jana Small Finance Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹380 Cr
TTM · standalone
EPS
₹36.07
TTM · standalone
P/E
14.8x
Q1 FY27 · standalone
Peers · Other Bank
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