Jana Small Finance Bank Ltd

📊 Jana Small Finance Bank Reports Strong Growth & Future Outlook 🚀

- Affordable Housing book grew to ₹7,000 crore (34.4% YoY).

- Micro LAP reached ₹6,027 crore; MSME grew 27% YoY; Gold Loans up 17.5% QoQ.

- Secured assets expected to grow 35%-40% this year.

- By March 2026, secured assets projected at 74%-75% of portfolio.

- NIM at 6.6% in Q2 FY26, expected to near 7% by year-end.

- Credit cost likely to drop 40-50 bps in FY27.

- CASA grew 14% YTD; term deposits up 11%, crossing ₹32,532 crore.

- Q2 FY26 PAT at ₹75 crore; H1 FY26 PAT at ₹177 crore.

- Gross NPA & net NPA maintained below 3% and 1%, respectively.

- New products: Solitaire (women’s deposit), Used Car loans, Credit Line on UPI (upcoming).

- Universal banking license application with RBI in progress.

- Collection efficiency post-April 2025: 98.5%-98.9%.

- Cost of deposits reduced to 7.88% in Q2 FY26 (down 10 bps QoQ).