Highest Ever Disbursement Of Rs7894 Cr In Q4 FY26 By Jana SFB

GNPA ratio is 2.3% and NNPA ratio is 0.9% with PCR at 76.0% (including technical write-off)

FinTech BizNews Service

Mumbai, April 29, 2026: The financial results for Jana Small Finance Bank for the quarter and year ended 31st March 2026 were declared today.

Key Highlights for Q4 and FY26 performance:

• Highest ever disbursement of Rs 7,894 Crs recorded in Q4 FY26; growth of 16% over Q3 FY26
• Asset GLP stands at Rs36,289 crores, growing by 23% y-o-y (9% q-o-q); 73% of GLP now Secured.
  • Secured assets grows by 28% y-o-y (9% q-o-q) and Unsecured grows by 9% y-o-y (10% q-o-q)
• Total Deposits stands at Rs35,784 crores
  • Deposits growth of 23% y-o-y (6% q-o-q)
  • CASA grows by 23% y-o-y (-5% q-o-q); TD growth of 23% y-o-y (9% q-o-q)
  • Credit to Deposit ratio stands at 94.5%
• Capital Adequacy ratio at 19.4% with Tier-1 CRAR of 17.5%
• GNPA ratio is 2.3% and NNPA ratio is 0.9% with PCR at 76.0% (including technical write-off)
• PAT of Rs140 crores for Q4 FY26.
• Overall SMA as on 31st March 2026 (3.66%) is lower than as on 31st March 2024 (3.99%) when the MFI flows began.
• Slippages for Q4 FY26 is lower by 24% vs Q3 FY26
• Credit cost % reduced from 0.79% in Q3 FY26 to 0.47% for Q4 FY26
• Q4 FY26 NIM improved to 7.22% from 6.61% in Q3
• Cost of Funds for Q4 is at 7.46% vs 7.71% in Q3