Jana Small Finance Bank Q2 Results FY27: PAT Jumps 127.18% YoY, Revenue Rs 1,815.66 Cr, PAT Rs 170.36 Cr
- October 26, 2026
- Posted by: Harsh Piplani
- Category: Results
Quick Answer
Jana Small Finance Bank Q2 Results FY27 were declared on 23 October 2026. Revenue grew to Rs 1,815.66 Cr from Rs 1,539.66 Cr, YoY growth of 17.93%. Net profit jumped 127.18% to Rs 170.36 Cr from Rs 74.99 Cr. In these quarterly results, the net profit margin rose to 9.4% from 4.9% a year earlier.
Jana Small Finance Bank Ltd (JSFB) Q2 Results FY27 announced on 23 October 2026, covering the company’s financial performance for the July to September quarter. On the results date, the bank reported revenue of Rs 1,815.66 Cr and PAT of Rs 170.36 Cr. In the Jana Small Finance Bank Q2 Results FY27, net profit more than doubled while revenue grew at a much steadier pace, nearly doubling the net margin.
This results analysis of the Jana Small Finance Bank Q2 Results looks at the financial highlights, the business factors in the reported data, the FY27 outlook and the risks to track. The financial highlights come first and anchor each later section of the article.
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Jana Small Finance Bank Q2 Results FY27: Financial Highlights
| Metric | Q2 FY27 (Sep 26) | Q2 FY26 (Sep 25) | YoY Change |
|---|---|---|---|
| Revenue | Rs 1815.66 Cr | Rs 1539.66 Cr | +17.93% YoY |
| Net Profit (PAT) | Rs 170.36 Cr | Rs 74.99 Cr | +127.18% YoY |
Source: company filing for Jana Small Finance Bank Q2 Results FY27, 23 October 2026. Figures in Rs Crore.
Key Takeaways from Jana Small Finance Bank Q2 Results: What Stands Out
- Revenue at Rs 1,815.66 Cr: YoY growth of 17.93% from Rs 1,539.66 Cr, an increase of Rs 276 Cr for the quarter.
- Net profit at Rs 170.36 Cr: up 127.18% from Rs 74.99 Cr, adding Rs 95.37 Cr to the bottom line.
- Margin in Jana Small Finance Bank Q2 Results FY27: net profit margin improved to 9.4% from 4.9% in the comparison quarter.
- Revenue run: revenue has risen in each of the last 4 quarters, so the top line kept its upward sequence this quarter.
- Return to monitor: FY26 return on equity was low at 7.66%, a point the performance analysis below keeps in view.
Jana Small Finance Bank Q2 Results FY27: Performance Analysis
The Jana Small Finance Bank Q2 Results FY27 show net profit growing about seven times as fast as revenue. Revenue rose 17.93% to Rs 1,815.66 Cr, while net profit rose 127.18% to Rs 170.36 Cr. That gap, and the near doubling of net margin it produced, is the central point of this results analysis.
In rupee terms, revenue increased by Rs 276 Cr and net profit by Rs 95.37 Cr compared with the same quarter last year. Net profit margin moved from 4.9% to 9.4% as a result. The Jana Small Finance Bank Q2 Results therefore show a much larger share of income reaching shareholders than a year ago.
Investors following later quarterly results will watch whether revenue keeps rising each quarter and whether net profit holds near this level. The Jana Small Finance Bank Q2 Results FY27 mark the top of the recent profit range, and the business factors below set out what the reported data supports.
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Key Business Factors This Quarter
Revenue Growth – The business factors begin with revenue, which grew 17.9% year on year to Rs 1,815.66 Cr. Revenue has also risen in each of the last 4 quarters, so the Jana Small Finance Bank Q2 Results FY27 extend a consistent run of top-line gains.
Net Profit Growth – Net profit rose 127.2% year on year to Rs 170.36 Cr. This was the largest move in these quarterly results and outpaced revenue growth by a wide margin over the same period.
Margin Improvement – Net profit margin improved to 9.4% from 4.9% in the comparison quarter. A margin close to double the year-ago level explains why a moderate revenue gain produced such a large rise in net profit.
FY27 Outlook After Jana Small Finance Bank Q2 Results
Taking this results analysis forward, the FY27 outlook will depend on the December and March quarters. Full-year results will reflect those filings and any disclosed sector conditions. One strong quarter does not on its own decide the outcome for the full financial year. The second-half filings will show whether the higher margin is maintained.
The Jana Small Finance Bank Q2 Results FY27 give a revenue base of Rs 1,815.66 Cr and a net profit base of Rs 170.36 Cr for the second half. Investors can compare later quarters with these figures on the Univest app, with the risks below as context.
Key Risks to Watch After Jana Small Finance Bank Q2 Results FY27
Low Return on Equity
Return on equity was low at 7.66% in FY26. Even with the higher net profit in the Jana Small Finance Bank Q2 Results FY27, a single-digit return on shareholder capital is a figure investors may watch in coming annual results.
Volatile Quarterly Profit
Quarterly net profit has been volatile, ranging from Rs 9.69 Cr to Rs 170.36 Cr over the last 5 quarters. This quarter sits at the top of that range, so future filings will show whether the YoY growth can be sustained.
Falling Return on Equity
Return on equity declined to 7.66% in FY26 from 13.10% in FY25. This drop over the last full year means the bank earned less on shareholder funds, a trend investors may compare with the stronger quarterly profit now reported.
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Conclusion
The Jana Small Finance Bank Q2 Results FY27 show revenue of Rs 1,815.66 Cr and net profit of Rs 170.36 Cr, with profit more than doubling and net margin rising to 9.4%. Low return on equity and volatile quarterly profit are the points to watch. Investors can follow the Jana Small Finance Bank Q2 Results and later quarterly results on the Univest Screener and should consult a SEBI-registered advisor before acting.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice. Research Analyst: Uniresearch Global Pvt. Ltd., SEBI Registration No. INH000013776.
Frequently Asked Questions on Jana Small Finance Bank Q2 Results FY27
What are Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank Q2 Results FY27 show revenue of Rs 1,815.66 Cr and net profit of Rs 170.36 Cr for July to September 2026. Alongside this, both rose year on year, as the Quick Answer explains.
What is the results date for Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank declared its Q2 FY27 quarterly results on 23 October 2026. That results date covers the July to September 2026 quarter, as stated in the opening paragraph.
What revenue was reported in Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank reported Q2 FY27 revenue of Rs 1,815.66 Cr against Rs 1,539.66 Cr a year earlier. This equals YoY growth of 17.93%, as the Financial Highlights table shows.
What net profit was reported in Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank Q2 Results FY27 show net profit of Rs 170.36 Cr compared with Rs 74.99 Cr a year earlier. This 127.18% increase is covered in the Key Takeaways section.
How much YoY growth did revenue show in Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank revenue showed YoY growth of 17.93% in Q2 FY27, rising to Rs 1,815.66 Cr. Compared with this, net profit grew 127.18%, as the Performance Analysis explains.
Did net profit rise or fall in Jana Small Finance Bank Q2 Results?
Ans. Jana Small Finance Bank Q2 Results show net profit rose 127.18% YoY to Rs 170.36 Cr. Alongside this, net profit margin improved to 9.4% from 4.9%, as noted under Key Business Factors.
What was the net profit margin in Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank reported a net profit margin of 9.4% in Q2 FY27 compared with 4.9% a year earlier. This rise came as profit grew far faster than revenue, as the Performance Analysis shows.
Has revenue been rising before Jana Small Finance Bank Q2 Results?
Ans. Jana Small Finance Bank revenue has risen in each of the last 4 quarters, reaching Rs 1,815.66 Cr in Q2 FY27. This steady run is described under Key Business Factors in this results analysis.
What business factors shaped Jana Small Finance Bank Q2 Results FY27?
Ans. Jana Small Finance Bank Q2 FY27 was shaped by 17.9% revenue growth and a 127.2% rise in net profit. Alongside these, net margin improved to 9.4%, as listed under Key Business Factors.
What are the key risks after Jana Small Finance Bank Q2 Results FY27?
Ans. The key risks after Jana Small Finance Bank Q2 Results FY27 are low return on equity of 7.66%, volatile quarterly profit and a falling FY26 return ratio. Each is explained in the Key Risks section.
What is the outlook after Jana Small Finance Bank Q2 Results?
Ans. The FY27 picture for Jana Small Finance Bank will depend on the December and March quarters. So the Q2 net profit of Rs 170.36 Cr acts as a base, as the Outlook section notes.
Where can I find the complete Jana Small Finance Bank Q2 Results FY27 data?
Ans. The complete Jana Small Finance Bank Q2 FY27 figures for revenue and net profit are in the Financial Highlights table above. Investors can also follow later quarterly results on the Univest Screener.
