The lender reported a net interest income of ₹610 crore in the first quarter of the financial year 2026. This was 2.5% lower than the ₹595 crore it reported in the previous year
Its other income increased 40.7% to ₹266 crore from ₹189 crore in the previous year. Despite the jump in other income, the company’s profit declined 40% from last year.
Jana Small Finance Bank’s profit after tax declined 40.4% to ₹102 crore from ₹171 crore in the previous fiscal. Its adjusted PAT was up 17.8% at ₹252 crore compared to ₹214 crore in the first quarter last year.
Jana Small Finance Bank’s provisions of ₹196 crore were the same as the previous year.
The lender’s Gross NPA increased to 2.91% from 2.71% in the previous quarter. Net NPA remained unchanged at 0.94% in comparison to the previous quarter.
The lender’s advances increased 14.9% to ₹27,825 crore from ₹24,207 crore in the year-ago period.
Its yield on advances contracted by 10 basis points sequentially to 16.5% in the June quarter from 16.6% in the previous one.
Net interest margins (NIMs) also contracted by 50 basis points to 6.9% in the first quarter from 7.4% in the prior one.
Cost of funds remained unchanged sequentially at 8%.
Shares of Jana Small Finance Bank declined 7.2% to hit an intraday low of ₹456.1 apiece on Wednesday, July 21. The stock was down 6.79% at ₹458.5 apiece at 11.15 am. It has gained 13.6% this year, so far.
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