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As of 6 Nov 2026, Jana Small Finance Bank trades at 9.1× trailing earnings, and the shares are 33% below their 52-week high. Net profit grew 8.4% a year over 3 years; its ROE of 10% is the lowest among the 7 largest Banks (Regional) peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.87× book value. It is a small-cap company with a market cap of ₹4,310 Cr, ranked 35th of 41 Banks (Regional) companies by market cap; the shares fell 16% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹405.00
Day high
₹409.25
Day low
₹394.00
Prev. close
₹406.90
Volume
2.5 L

Health check

1 good · 2 fair · 3 to check
  • ReturnsBehind

    −16.4% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 0.87 vs peer median 1.78.

  • GrowthSlow

    Profit +8.4% a year over 3 years.

  • ProfitabilityAverage

    ROE 10.3% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 1.03%. Bad-loan data isn’t covered.

  • Red flags2 to check

    33% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹4,310 Cr, #35 of 41 in its industry by size.

Defensive

Beta 0.78 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹3,125 Cr · profit ₹475 Cr
Market cap
₹4,310 Cr
Small cap
P/E
9.1
Industry 9.2
Price to book
0.87
Peers 1.78
Dividend yield
0.00%
ROE
10.3%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹44.77
Face value ₹10
OPM (TTM)
20.2%
Net margin 15.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+125.1%
Latest quarter vs a year ago
Price to sales
1.38

Strengths and risks

Strengths

  • Quarterly profit up 125.1% on a year ago.

Risks to check

  • 33% below its 52-week high.
  • Promoter stake down from 21.9% to 16.9%.

Derived automatically from reported figures. Not a recommendation.

About Jana Small Finance Bank

Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education…

Headquarters
Bengaluru
Employees
26,246
Sector
Financial Services
ISIN
INE953L01027
Website
jana.bank.in

Price range

52 weeks

₹330.00₹606.95

Today

₹394.00₹409.25
Avg volume (3M)
8.9 L
1-year return
minus 16.4%
From 52-week high
minus 32.9%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
JSFBJana Small Finance Bank407.20plus 0.07%4,3109.10.8710.3%1.0%8.4%0.00%minus 16.4%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26Sep 26
–8539201,0011,0091,047
655–709709732768
102–9.7140155170
102–9.7140155170
9.65–0.9213.2314.6915.96

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+8.4%
EPS CAGR 3Y
+8.1%
ROE
10.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,2152,6253,0113,354
–+18.5%+14.7%+11.4%
1,4151,8862,3172,760
68.761.960.675.4
−1−0.6−0.3−0.5
256514474326
–−30.2%−5.9%–
256670501326
–+161.6%minus 25.1%minus 34.9%
24.4790.7247.6730.92

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
325105105105
1,2023,4734,0134,365
5,4774,4113,3774,547
18,63924,72130,97238,431
25,64432,71038,46747,448
128142153199
5.12.93.28
5,2216,7385,9459,812
2,0892,0284,4492,550
18,20123,80027,91734,879
25,64432,71038,46747,448

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,1377084,073594
−434−780−321−4,133
2,10433.5−1,3311,641
532−38.82,421−1,898
−26−76.9−73.4−122
−1,1636314,000471

Shareholding pattern

Source: NSE filings
16.9%
promoters
  • Promoters16.87%
  • Public83.13%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202616.87%83.13%minus 0.07
30 Jun 202616.94%83.06%minus 4.91
31 Mar 202621.85%78.15%minus 0.01
31 Dec 202521.86%78.14%minus 0.01
30 Sep 202521.87%78.13%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you