Jana Small Finance Bank Ltd (JSFB) — shareholding pattern, promoter holding, financials and share price
About Jana Small Finance Bank Ltd (JSFB)
Jana Small Finance Bank Ltd operates in the Other Bank industry, within the Financial Services sector. It trades on the NSE as JSFB and on the BSE under scrip code 544118. Its ISIN is INE953L01027.
Incorporated in 2006, Jana Small Finance Bank Ltd provides a wide range of banking and financial services [1]
Jana Small Finance Bank is a scheduled small finance bank providing retail and microfinance lending along with deposit products across a national network of branches, digital channels and business correspondents, focusing on secured loans (affordable housing, gold, vehicle, MSME) and unsecured micro and group loans delivered through a largely digital origination and collection framework.
Q3 FY26 showed signs of stabilization with slippages and SMA levels materially down from Q1 peaks, GNPA easing to ~2.49% and SMA trending toward a projected 4.0% by Mar‑26, indicating that asset quality pressures have likely bottomed and credit cost should materially decline in Q4 and into FY27.
Listed peers in Other Bank: Equitas Small Finance Bank Ltd, Utkarsh Small Finance Bank Ltd, Suryoday Small Finance Bank Ltd, ESAF Small Finance Bank Ltd, Capital Small Finance Bank Ltd, Fino Payments Bank Ltd.
Valuation & Returns
10 Jul 2026At ₹474.95 a share on 10 Jul 2026, Jana Small Finance Bank Ltd (JSFB) was valued at a price-to-earnings ratio of 15.33x against an industry P/E of 13.51x and a price-to-book of 1.21x on a book value of ₹390.95 per share as of Mar 2025. Solomo computes return on equity of 7.93% and return on capital employed of 6.5% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 15.33x
- Industry P/E
- 13.51x
- P/B
- 1.21x
- EPS (TTM)
- ₹30.99
- Book value / share
- ₹390.95
- ROE
- 7.93%
- ROCE
- 6.5%
- ROA
- 0.85%
- Debt / equity
- 8.01x
- Dividend yield
- 0%
- EBITDA margin
- 57.42%
- 52-week range
- ₹330.3 – ₹506.8
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Jana Small Finance Bank Ltd (JSFB) reported revenue of ₹5,353 crore, net profit of ₹326 crore and earnings per share of ₹30.99. That compares with revenue of ₹4,710 crore and net profit of ₹501 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Jun 2026, revenue was ₹1,515 crore and net profit ₹155 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 2,727 | 3,075 | 4,014 | 4,710 | 5,353 |
| Net profit (₹ cr) | 5 | 256 | 670 | 501 | 326 |
| EPS (₹) | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 |
| Measure | 5Y | 3Y | 1Y |
|---|---|---|---|
| Sales growth | 18.79% | 19.99% | 17.36% |
| Profit growth | 75.49% | 352.67% | -25.11% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 16.94% of Jana Small Finance Bank Ltd (JSFB) (down 4.91 pp QoQ), foreign institutional investors (FII) hold 4.01% and domestic institutional investors (DII) hold 16.35%. Market capitalisation was ₹5,003 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2024.
Largest disclosed public shareholders in Jun 2026: TPG ASIA VI SF PTE. LTD. 8.11%, TVS MOTOR COMPANY LIMITED 4.9%, SUNIL KANT MUNJAL 3.32%, VOLRADO VENTURE PARTNERS FUND - III - VOLRADO VENT 2.78%, BHARTI (SATYA) TRUSTEES PRIVATE LIMITED 2.74%, HARBOURVEST PARTNERS CO-INVESTMENT FUND IV L.P 2.38%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 16.94% | - | 4.01% | 16.35% | 83.06% |
| Mar 2026 | 21.85% | - | 4.31% | 16.27% | 78.15% |
| Dec 2025 | 21.86% | - | 4.11% | 14.89% | 78.14% |
| Sep 2025 | 21.87% | - | 1.21% | 14.81% | 78.13% |
| Jun 2025 | 21.88% | - | 0.28% | 16.03% | 78.12% |
| Mar 2025 | 22.28% | - | 0.89% | 15.88% | 77.72% |
| Dec 2024 | 22.35% | - | 0.51% | 18.46% | 77.65% |
| Sep 2024 | 22.38% | - | 1.09% | 17.99% | 77.62% |