Jana Small Finance Bank Limited

Web: janabank.com NSE: JSFB BSE: 544118 SECTOR: Financial Services - Banks | Add Note | View Notes

537 3(1%)

Volume

8L as on 22, Jun

Open

382

High

385

Low

371

534

VWAP

460

52 Week High

607

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)

5,678

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	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	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

Delivery Data: JSFB

#	Date	439 38% 607	Value (Cr)	Q/T 59	Del 45	Del 77
1	4-Sep	535	24	35	44	11
2	3-Sep	534	37	44	48	17
3	2-Sep	523	13	31	42	5
4	1-Sep	530	28	43	58	16
5	31-Aug	538	28	37	46	13
6	28-Aug	541	16	33	48	8
7	27-Aug	545	70	40	55	38
8	26-Aug	547	87	50	47	40
9	25-Aug	571	102	49	40	41
10	24-Aug	582	184	73	43	79
11	21-Aug	582	315	72	48	151
12	20-Aug	563	15	25	44	7
13	19-Aug	571	20	30	47	10
14	18-Aug	575	51	42	52	26
15	17-Aug	549	40	36	47	19
16	14-Aug	578	26	35	57	15
17	13-Aug	571	68	36	38	26
18	12-Aug	546	27	29	47	13
19	11-Aug	527	10	19	58	6
20	10-Aug	540	13	34	53	7
21	7-Aug	549	16	28	52	8
22	6-Aug	561	28	36	57	16
23	5-Aug	573	14	24	53	7
24	4-Aug	574	26	24	52	14
25	3-Aug	585	39	28	48	19
26	31-Jul	575	48	35	45	22
27	30-Jul	563	63	37	43	27
28	29-Jul	572	183	52	46	84
29	28-Jul	531	22	30	47	10
30	27-Jul	537	23	25	43	10
31	24-Jul	537	31	24	45	14
32	23-Jul	542	29	28	43	13
33	22-Jul	552	42	37	47	20
34	21-Jul	562	169	56	29	49
35	20-Jul	532	223	49	27	59
36	17-Jul	493	31	42	42	13
37	16-Jul	498	324	58	29	95
38	15-Jul	489	59	45	48	28
39	14-Jul	490	34	40	54	18
40	13-Jul	487	52	40	57	30
41	10-Jul	474	39	55	59	23
42	9-Jul	455	16	43	55	9
43	8-Jul	441	23	60	49	11
44	7-Jul	451	52	99	63	32
45	6-Jul	456	44	52	54	24
46	3-Jul	469	12	33	57	7
47	2-Jul	479	22	61	53	11
48	1-Jul	468	52	72	35	18
49	30-Jun	469	8	43	50	4
50	29-Jun	466	36	53	40	14

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	5,678c	16c	0.28
03-Sep	5,663c	45c	0.80
01-Sep	5,618c	163c	2.82
31-Aug	5,780c	49c	0.85
27-Aug	5,732c	46c	0.80
26-Aug	5,778c	229c	3.81
25-Aug	6,007c	138c	2.25
24-Aug	6,145c	99c	1.59
21-Aug	6,244c	188c	3.10
19-Aug	6,056c	22c	0.36
18-Aug	6,079c	285c	4.93
17-Aug	5,793c	285c	4.70
14-Aug	6,079c	138c	2.32
13-Aug	5,941c	140c	2.41
12-Aug	5,801c	39c	0.68
10-Aug	5,762c	0	0
07-Aug	5,762c	237c	3.96
06-Aug	5,999c	38c	0.62
05-Aug	6,037c	58c	0.95
04-Aug	6,094c	37c	0.61
31-Jul	6,057c	14c	0.24
30-Jul	6,072c	440c	7.82
29-Jul	5,631c	20c	0.36
28-Jul	5,652c	25c	0.45
27-Jul	5,677c	49c	0.86
24-Jul	5,726c	0	0

Stock Checklist

Price is above from 52 week high low average: 75%

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 22 fund scheme(s) across 7 fund house(s) as of Aug26 · Total value ₹223 Cr · 6 increasing / 4 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
JM Financial Mutual Fund	6	2.01%	-0.23%	116.9
Kotak Mahindra Mutual Fund	4	0.24%	+0.31%	87.5
Motilal Oswal Mutual Fund	4	0.38%	+0.08%	18.6
Groww Mutual Fund	2	0.02%	+0.01%	0.1
Angel One Mutual Fund	2	0.02%	+0.01%	0
Mirae Asset Mutual Fund	2	0.02%	-	0
Bandhan Mutual Fund	2	0.02%	-	0

Jana Small Finance Bank Limited

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