Jana Small Finance Bank Limited

Web: janabank.com NSE: JSFB BSE: 544118 SECTOR: Financial Services - Banks

544 8(-1%)

Near 52W High of 570

Volume

8L as on 22, Jun

Open

382

High

385

Low

371

552

VWAP

460

52 Week High

570

52 Week Low

330

Viand Research Rating

Quality Score

47/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

5,756

No. of Shares

10.5

P/E

P/B

1.35

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

17.52

ROCE

Profit Growth

Listing Date

14-Feb-24

Promoter Holding

16.94%

FII Holding

4.01%

DII Holding

15.31%

Price Chart

Price Performance

1 Week3%

1 Month2%

3 Months32%

6 Months35%

1 Year35%

YTD35%

Moving Average

5 Day SMA466

10 Day SMA469

20 Day SMA476

30 Day SMA473

50 Day SMA458

61 Day SMA443

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	490	465	482	495
Resistance 2	482	464	475	484
Resistance 1	471	462	470	476
Pivot Point	463	460	463	465
Support 1	452	458	456	457
Support 2	444	457	451	446
Support 3	433	455	444	438

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024
Promoters	(-4.91) 16.94%	(0.01) 21.85%	(0.01) 21.86%	(0.01) 21.87%	(-0.41) 21.88%	(-0.11) 22.28%	(0.01) 22.35%	(-0.21) 22.38%	(0.01) 22.54%	(0.01) 22.54%
FIIs	(-0.31) 4.01%	(0.21) 4.31%	(2.91) 4.11%	(0.91) 1.21%	(-0.61) 0.28%	(0.41) 0.89%	(-0.61) 0.51%	(0.11) 1.09%	(-0.11) 1.02%	(0.01) 1.15%
DIIs	(1.01) 15.31%	(1.41) 14.29%	(-1.91) 12.92%	(-1.21) 14.81%	(0.11) 16.03%	(-2.61) 15.89%	(0.51) 18.47%	(0.31) 17.99%	(0.01) 17.73%	(0.01) 17.70%
Government	1.03%	1.98%	1.98%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	62.69%	57.57%	59.14%	62.12%	61.81%	60.94%	58.67%	58.53%	58.71%	58.62%
No. of Shareholders	49,932	50,785	51,546	51,129	53,351	52,412	52,297	51,033	49,178	72,042

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Mar 2021
Sales	1515	1445	1374	1305	1241	1184	1177	1166	1167	1112	1038	979	885	849	808.68	718	678	694	699	587
Sales Growth % (YoY)	22.1%	22%	16.7%	11.9%	6.3%	6.5%	13.4%	19.1%	31.9%	31%	28.4%	36.3%	30.6%	22.3%	15.7%	7.6%	-	18.2%	-	-
Sales Growth % (QoQ)	4.8%	5.2%	5.3%	5.2%	4.8%	0.6%	0.9%	-0.1%	4.9%	7.1%	6%	10.6%	4.2%	5%	12.6%	5.9%	-2.3%	-0.7%	19.1%	-
Expenses	854	861	899	791	750	696	665	681	639	604	553	566	560	548	491.72	498	491	480	438	403
Operating Profit	-72	-126	-235	-172	-164	-114	-72	-87	-29	-13	-5	-41	-98	-80	-50.88	-104	-134	-100	-79	-134
OPM %	-5	-9	-17	-13	-13	-10	-6	-7	-2	-1	0	-4	-11	-9	-6.29	-14	-20	-14	-11	-23
Other Income	227	266	245	247	266	234	177	176	189	179	140	164	188	161	170.22	115	179	101	73	91
Interest	732	709	709	686	655	602	585	572	557	520	490	453	423	381	367.84	324	320	313	341	317
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	155	140	10	75	102	120	105	88	160	166	135	123	90	81	119.34	11	45	1	-6	-43
Tax %	0	0	0	0	0	-3	-5	-9	-7	-93	0	0	0	0	0	0	0	0	0	0
Net Profit	155	140	10	75	102	123	111	97	171	322	135	123	90	81	119.34	11	45	1	-6	-43
Net Profit Growth % (QoQ)	10.7%	1300%	-86.7%	-26.5%	-17.1%	10.8%	14.4%	-43.3%	-46.9%	138.5%	9.8%	36.7%	11.1%	-32.1%	984.9%	-75.6%	4400%	116.7%	86%	-
Net Profit Growth % (YoY)	52%	13.8%	-91%	-22.7%	-40.4%	-61.8%	-17.8%	-21.1%	90%	297.5%	13.1%	1018.2%	100%	8000%	2089%	-	-	102.3%	-	-
TTM Net Profit	380	327	310	411	433	502	701	725	751	670	429	413.34	301.34	256.34	176.34	51	40	-5	-49	0
EPS in Rs	14.74	13.28	0.92	7.13	9.69	11.75	10.56	9.25	16.31	30.76	26.54	24.22	17.81	15.97	23.53	2.07	8.89	0.25	-1.21	-8.4

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Sales	5353	4710	4014	3075	2727	2498	1992	1251	1555
Sales Growth %	13.6%	17.3%	30.5%	12.8%	9.2%	25.4%	59.2%	-19.6%	-
Expenses	3289	2635	2222	1960	1627	1331	1322	2399	2844
Operating Profit	-695	-242	-94	-300	-238	-68	-311	-1963	-2453
OPM %	-13	-5	-2	-10	-9	-3	-16	-157	-158
Other Income	1022	776	670	625	324	235	433	113	42
Interest	2760	2317	1886	1415	1337	1235	980	814	1164
Depreciation	0	61	62	69	81	83	93	99	0
Profit before tax	326	474	514	256	5	84	30	-1949	-2411
Tax %	0	-6	-30	0	0	0	0	0	4
Net Profit	326	501	670	256	5	84	30	-1949	-2504
Net Profit Growth %	-34.9%	-25.2%	161.7%	5020%	-94%	180%	101.5%	22.2%	-
EPS in Rs	30.99	47.73	64.02	50.46	1.07	16.62	5.94	-413.32	-637.29
Dividend Payout %	0	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	594	4073	708	-1137	859	615	949	2771
Cash from Investing Activity	-4133	-321	-780	-434	-1330	-1266	-285	-231
Cash from Financing Activity	1641	-1331	33	2104	-240	1917	-852	-2489
Net Cash Flow	-1898	2421	-39	532	-711	1266	-188	51

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Equity Capital	105	105	105	105	105	55	51	51	51	47	39
Reserves	4328	4175	4013	3732	3473	1472	999	926	843	476	1490
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	1733	1566	1359	1242	1350	1235	938	763	550	487	558
Total Liabilities	47448	42188	38464	33434	32710	25644	20189	19091	14145	9446	9749
Fixed Assets	199	177	150	151	139	123	170	211	259	332	385
CWIP	0	0	3	0	3	5	1	1	1	2	0
Investments	9812	8644	5945	5816	6738	5221	5065	4698	2650	1468	1997
Other Assets	37437	33366	32366	27467	25831	20295	14952	14181	11234	7644	7367
Total Assets	47448	42188	38464	33434	32710	25644	20189	19091	14145	9446	9749

Delivery

#	Date	439 30% 570	Value (Cr)	Q/T 65	Del 50	Del 49
1	22-Jul	552	42	37	47	20
2	21-Jul	562	169	56	29	49
3	20-Jul	532	223	49	27	59
4	17-Jul	493	31	42	42	13
5	16-Jul	498	324	58	29	95
6	15-Jul	489	59	45	48	28
7	14-Jul	490	34	40	54	18
8	13-Jul	487	52	40	57	30
9	10-Jul	474	39	55	59	23
10	9-Jul	455	16	43	55	9
11	8-Jul	441	23	60	49	11
12	7-Jul	451	52	99	63	32
13	6-Jul	456	44	52	54	24
14	3-Jul	469	12	33	57	7
15	2-Jul	479	22	61	53	11
16	1-Jul	468	52	72	35	18
17	30-Jun	469	8	43	50	4
18	29-Jun	466	36	53	40	14
19	25-Jun	448	19	81	69	13
20	24-Jun	461	21	72	68	14
21	23-Jun	462	15	56	72	11
22	22-Jun	461	37	60	60	22
23	19-Jun	460	21	52	62	13
24	18-Jun	471	34	56	60	20
25	17-Jun	468	19	40	59	11
26	16-Jun	467	25	43	66	17
27	15-Jun	477	17	34	56	9
28	12-Jun	480	37	72	74	27
29	11-Jun	463	10	35	48	5
30	10-Jun	467	4	31	60	3
31	9-Jun	475	16	46	59	9
32	8-Jun	472	23	62	58	13
33	5-Jun	478	19	63	73	14
34	4-Jun	473	36	61	64	23
35	3-Jun	484	24	44	52	12
36	2-Jun	491	120	86	56	67
37	1-Jun	484	28	39	52	15
38	29-May	495	22	42	54	12
39	27-May	488	24	37	52	13
40	26-May	491	65	49	48	31
41	25-May	479	39	62	54	21
42	22-May	450	33	95	62	21
43	21-May	450	16	84	66	11
44	20-May	453	11	64	58	6
45	19-May	452	29	77	53	15
46	18-May	462	92	55	48	44
47	15-May	491	27	41	45	12
48	14-May	499	101	50	39	39

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	5,756c	122c	2.07
22-Jul	5,878c	42c	0.72
21-Jul	5,920c	737c	14.23
17-Jul	5,183c	64c	1.21
16-Jul	5,247c	10c	0.19
15-Jul	5,237c	106c	2.06
14-Jul	5,131c	21c	0.40
13-Jul	5,151c	206c	4.16
10-Jul	4,945c	163c	3.40
09-Jul	4,783c	148c	3.18
08-Jul	4,635c	221c	4.54
07-Jul	4,856c	32c	0.67
06-Jul	4,824c	132c	2.66
02-Jul	4,955c	36c	0.73
30-Jun	4,919c	27c	0.54
29-Jun	4,946c	238c	5.04
26-Jun	4,709c	53c	1.11
25-Jun	4,761c	88c	1.81
24-Jun	4,849c	12c	0.25
23-Jun	4,862c	12c	0.25
22-Jun	4,849c	4c	0.09
19-Jun	4,845c	74c	1.51
17-Jun	4,919c	0	0
16-Jun	4,919c	95c	1.89
15-Jun	5,014c	11c	0.21
12-Jun	5,025c	112c	2.27
11-Jun	4,913c	26c	0.52
10-Jun	4,939c	0	0

Stock Checklist

Price is above from 52 week high low average: 79%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 20 fund scheme(s) across 7 fund house(s) as of Jul26 · Total value ₹188 Cr · 2 increasing / 2 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
JM Financial Mutual Fund	6	2.26%	+0.03%	120.1
Kotak Mahindra Mutual Fund	2	1.82%	-0.16%	53
Motilal Oswal Mutual Fund	4	0.16%	-	14.5
Groww Mutual Fund	2	0.01%	-	0.1
Angel One Mutual Fund	2	0.01%	-	0
Bandhan Mutual Fund	2	0.01%	-	0
Mirae Asset Mutual Fund	2	0.01%	-	0

Jana Small Finance Bank Limited

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Shareholding Pattern (%)

Quarterly Results

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Cash Flows

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