{"id":80729,"date":"2026-05-01T13:42:24","date_gmt":"2026-05-01T08:12:24","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=80729"},"modified":"2026-05-01T13:42:26","modified_gmt":"2026-05-01T08:12:26","slug":"jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/","title":{"rendered":"PAT Rs 140 Crore | Jana Small Finance Bank Q4 FY26 Results"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>Jana Small Finance Bank announced its Q4 FY26 financial results on April 29, 2026, posting PAT of Rs 140 crore, a 13.3 percent year-on-year increase, as the Small Finance Bank company delivered its January to March 2026 quarter earnings. Jana Small Finance Bank Q4 FY26 results are closely tracked by investors as a key indicator of the company&#8217;s performance trajectory. This article covers the Jana Small Finance Bank Q4 FY26 financial highlights, performance analysis, full year FY26 summary, management outlook, and frequently asked questions on Jana Small Finance Bank Q4 results.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Jana_Small_Finance_Bank_Q4_FY26_Financial_Highlights\" title=\"Jana Small Finance Bank Q4 FY26 Financial Highlights\">Jana Small Finance Bank Q4 FY26 Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Jana_Small_Finance_Bank_Q4_FY26_Performance_Analysis\" title=\"Jana Small Finance Bank Q4 FY26 Performance Analysis\">Jana Small Finance Bank Q4 FY26 Performance Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Jana_Small_Finance_Bank_Full_Year_FY26_Business_Summary\" title=\"Jana Small Finance Bank Full Year FY26 Business Summary\">Jana Small Finance Bank Full Year FY26 Business Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Jana_Small_Finance_Bank_Q4_FY26_Outlook_and_FY27_Priorities\" title=\"Jana Small Finance Bank Q4 FY26 Outlook and FY27 Priorities\">Jana Small Finance Bank Q4 FY26 Outlook and FY27 Priorities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Frequently_Asked_Questions_on_Jana_Small_Finance_Bank_Q4_FY26_Results\" title=\"Frequently Asked Questions on Jana Small Finance Bank Q4 FY26 Results\">Frequently Asked Questions on Jana Small Finance Bank Q4 FY26 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#What_were_the_Jana_Small_Finance_Bank_Q4_FY26_results\" title=\"What were the Jana Small Finance Bank Q4 FY26 results?\">What were the Jana Small Finance Bank Q4 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#What_was_Jana_Small_Finance_Bank_Q4_FY26_PAT\" title=\"What was Jana Small Finance Bank Q4 FY26 PAT?\">What was Jana Small Finance Bank Q4 FY26 PAT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#What_was_Jana_Small_Finance_Bank_Q4_FY26_revenue\" title=\"What was Jana Small Finance Bank Q4 FY26 revenue?\">What was Jana Small Finance Bank Q4 FY26 revenue?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Did_Jana_Small_Finance_Bank_declare_a_dividend_after_Q4_FY26_results\" title=\"Did Jana Small Finance Bank declare a dividend after Q4 FY26 results?\">Did Jana Small Finance Bank declare a dividend after Q4 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#What_is_the_outlook_for_Jana_Small_Finance_Bank_after_Q4_FY26\" title=\"What is the outlook for Jana Small Finance Bank after Q4 FY26?\">What is the outlook for Jana Small Finance Bank after Q4 FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#How_did_Jana_Small_Finance_Bank_Q4_FY26_compare_year_on_year\" title=\"How did Jana Small Finance Bank Q4 FY26 compare year on year?\">How did Jana Small Finance Bank Q4 FY26 compare year on year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#What_sector_does_Jana_Small_Finance_Bank_operate_in\" title=\"What sector does Jana Small Finance Bank operate in?\">What sector does Jana Small Finance Bank operate in?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Is_Jana_Small_Finance_Bank_a_good_investment_after_Q4_FY26_results\" title=\"Is Jana Small Finance Bank a good investment after Q4 FY26 results?\">Is Jana Small Finance Bank a good investment after Q4 FY26 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/jana-small-finance-bank-limited-q4-fy26-results-pat-140-crore\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jana_Small_Finance_Bank_Q4_FY26_Financial_Highlights\"><\/span><strong>Jana Small Finance Bank Q4 FY26 Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jana Small Finance Bank reported Q4 FY26 PAT of Rs 140 crore, a 13.3 percent year-on-year increase. Interest earned reached a record Rs 1,444.59 crore for Jana Small Finance Bank Q4 FY26. The bank achieved its highest-ever quarterly disbursement of Rs 7,894 crore, up 16 percent QoQ. Gross Loan Portfolio grew 23 percent YoY to Rs 36,289 crore, with secured assets at 72.6 percent. For FY26, annual PAT was Rs 326.43 crore and EPS was Rs 31.02.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q4 FY26<\/th>\n<th>Q4 FY25<\/th>\n<th>YoY Change<\/th>\n<\/tr>\n<tr>\n<td>Revenue \/ Total Income<\/td>\n<td>Rs 1,444.59 crore interest earned<\/td>\n<td>Refer NSE\/BSE filing<\/td>\n<td>Grew YoY<\/td>\n<\/tr>\n<tr>\n<td>PAT<\/td>\n<td>Rs 140 crore<\/td>\n<td>Refer NSE\/BSE filing<\/td>\n<td>Higher 13.3 percent YoY<\/td>\n<\/tr>\n<tr>\n<td>Full Year FY26 PAT<\/td>\n<td>Rs 326.43 crore (FY26 annual PAT)<\/td>\n<td>Refer filing<\/td>\n<td>As reported<\/td>\n<\/tr>\n<tr>\n<td>Dividend (FY26)<\/td>\n<td>Not declared<\/td>\n<td>Refer filing<\/td>\n<td>FY26 final<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/univest.in\/blogs-2\/bhansali-engineering-polymers-q4-fy26-results-pat-51-crore\/\">Bhansali Engineering Polymers Q4 FY26 Results<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jana_Small_Finance_Bank_Q4_FY26_Performance_Analysis\"><\/span><strong>Jana Small Finance Bank Q4 FY26 Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jana Small Finance Bank Q4 FY26 NIM improved significantly to 7.22 percent from 6.61 percent in Q3 FY26, while cost of funds declined to 7.46 percent from 7.71 percent. Slippages for Jana Small Finance Bank Q4 FY26 fell 24 percent QoQ and credit cost reduced sharply to 0.47 percent from 0.79 percent in Q3.<\/p>\n<p>Jana Small Finance Bank Q4 FY26 secured loan book grew 28 percent YoY, with secured assets now 72.6 percent of GLP, demonstrating the bank&#8217;s successful transition from a microfinance-heavy portfolio to a mortgage-led secured lending model. Deposits grew 29 percent YoY to Rs 29,120 crore.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jana_Small_Finance_Bank_Full_Year_FY26_Business_Summary\"><\/span><strong>Jana Small Finance Bank Full Year FY26 Business Summary<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>FY26 was a turnaround year for Jana Small Finance Bank, with annual PAT of Rs 326.43 crore and EPS of Rs 31.02. The bank expects over 80 percent PAT growth in FY27, supported by its secured lending pivot and improving NIM trajectory.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jana_Small_Finance_Bank_Q4_FY26_Outlook_and_FY27_Priorities\"><\/span><strong>Jana Small Finance Bank Q4 FY26 Outlook and FY27 Priorities<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jana Small Finance Bank FY27 guidance includes GLP growth of 19 to 21 percent and deposit growth of 23 to 25 percent. Continued improvement in asset quality, particularly microfinance resolutions, and sustaining Q4 momentum into FY27 are the key management priorities.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or the <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to get daily stock recommendations and insightful research pieces!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>Jana Small Finance Bank Q4 FY26 results<\/strong> provide investors with the company&#8217;s January to March 2026 performance data. Jana Small Finance Bank Q4 FY26 PAT of Rs 140 crore reflects the operational performance in the Small Finance Bank sector. Investors tracking <strong>Jana Small Finance Bank Q4<\/strong> results should review the complete audited financials on NSE and BSE exchange filings before making any investment decision. Jana Small Finance Bank Q4 FY26 is an important milestone in the company&#8217;s annual earnings calendar.<\/p>\n<p><em>This article on Jana Small Finance Bank Q4 FY26 results is for informational and educational purposes only. It is not investment advice. Please consult a SEBI registered investment advisor before making any investment decision. Past performance is not indicative of future results.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Jana_Small_Finance_Bank_Q4_FY26_Results\"><\/span><strong>Frequently Asked Questions on Jana Small Finance Bank Q4 FY26 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_were_the_Jana_Small_Finance_Bank_Q4_FY26_results\"><\/span><strong>What were the Jana Small Finance Bank Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank Q4 FY26 results were announced on April 29, 2026. The company reported PAT of Rs 140 crore for the January to March 2026 quarter. Jana Small Finance Bank Q4 FY26 details are in the official NSE and BSE exchange filings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Jana_Small_Finance_Bank_Q4_FY26_PAT\"><\/span><strong>What was Jana Small Finance Bank Q4 FY26 PAT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank Q4 FY26 PAT was Rs 140 crore, higher 13.3 percent YoY. The Jana Small Finance Bank Q4 FY26 results were announced on April 29, 2026, at the board of directors meeting to approve audited financials.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Jana_Small_Finance_Bank_Q4_FY26_revenue\"><\/span><strong>What was Jana Small Finance Bank Q4 FY26 revenue?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank Q4 FY26 revenue was Rs 1,444.59 crore interest earned. Investors should refer to the NSE and BSE exchange filing for the full audited Jana Small Finance Bank Q4 FY26 revenue breakdown and segmental performance data.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Did_Jana_Small_Finance_Bank_declare_a_dividend_after_Q4_FY26_results\"><\/span><strong>Did Jana Small Finance Bank declare a dividend after Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank did not declare a dividend in the Q4 FY26 results announcement. Refer to the official exchange filing for confirmation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_outlook_for_Jana_Small_Finance_Bank_after_Q4_FY26\"><\/span><strong>What is the outlook for Jana Small Finance Bank after Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank FY27 guidance includes GLP growth of 19 to 21 percent and deposit growth of 23 to 25 percent. Continued improvement in asset quality, particularly microfinance resolutions, and sustaining Q4 momentum into FY27 are the key mana&#8230; Investors should monitor management commentary and quarterly filings for updated guidance on Jana Small Finance Bank Q4 FY26 performance sustainability into FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Jana_Small_Finance_Bank_Q4_FY26_compare_year_on_year\"><\/span><strong>How did Jana Small Finance Bank Q4 FY26 compare year on year?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank Q4 FY26 PAT of Rs 140 crore was higher 13.3 percent YoY. The year-on-year comparison for Jana Small Finance Bank Q4 FY26 versus Q4 FY25 is available in the official audited NSE and BSE exchange filings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_sector_does_Jana_Small_Finance_Bank_operate_in\"><\/span><strong>What sector does Jana Small Finance Bank operate in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jana Small Finance Bank operates in the Small Finance Bank sector in India and is listed on NSE and BSE. Jana Small Finance Bank Q4 FY26 results reflect the broader Small Finance Bank sector trends for the January to March 2026 quarter. Contextualising Jana Small Finance Bank Q4 performance within industry dynamics requires reviewing sector-level data alongside management commentary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Jana_Small_Finance_Bank_a_good_investment_after_Q4_FY26_results\"><\/span><strong>Is Jana Small Finance Bank a good investment after Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Whether Jana Small Finance Bank is a good investment after the Jana Small Finance Bank Q4 FY26 results depends on your individual financial goals, risk tolerance, and investment horizon. Jana Small Finance Bank Q4 FY26 results provide one data point on the company&#8217;s trajectory. Always consult a SEBI registered financial advisor before making any investment decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/torrent-power-q4-results-2026-2\">Torrent Power Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/usha-martin-q4-results-2026\">Usha Martin Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/triveni-engineering-and-industries-q4-results-2026\">Triveni Engineering and Industries Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/utkarsh-small-finance-bank-q4-results-2026\">Utkarsh Small Finance Bank Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/venus-pipes-and-tubes-q4-results-2026\">Venus Pipes and Tubes Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jana Small Finance Bank Q4 FY26 results April 29, 2026: PAT Rs 140 crore, up 13.3% YoY. 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