PAT Rs 140 Crore | Jana Small Finance Bank Q4 FY26 Results

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’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.

Jana Small Finance Bank Q4 FY26 Financial Highlights

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.

Metric	Q4 FY26	Q4 FY25	YoY Change
Revenue / Total Income	Rs 1,444.59 crore interest earned	Refer NSE/BSE filing	Grew YoY
PAT	Rs 140 crore	Refer NSE/BSE filing	Higher 13.3 percent YoY
Full Year FY26 PAT	Rs 326.43 crore (FY26 annual PAT)	Refer filing	As reported
Dividend (FY26)	Not declared	Refer filing	FY26 final

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Jana Small Finance Bank Q4 FY26 Performance Analysis

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.

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’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.

Jana Small Finance Bank Full Year FY26 Business Summary

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.

Jana Small Finance Bank Q4 FY26 Outlook and FY27 Priorities

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.

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Conclusion

The Jana Small Finance Bank Q4 FY26 results provide investors with the company’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 Jana Small Finance Bank Q4 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’s annual earnings calendar.

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.

Frequently Asked Questions on Jana Small Finance Bank Q4 FY26 Results

What were the Jana Small Finance Bank Q4 FY26 results?

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.

What was Jana Small Finance Bank Q4 FY26 PAT?

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.

What was Jana Small Finance Bank Q4 FY26 revenue?

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.

Did Jana Small Finance Bank declare a dividend after Q4 FY26 results?

Jana Small Finance Bank did not declare a dividend in the Q4 FY26 results announcement. Refer to the official exchange filing for confirmation.

What is the outlook for Jana Small Finance Bank after Q4 FY26?

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… Investors should monitor management commentary and quarterly filings for updated guidance on Jana Small Finance Bank Q4 FY26 performance sustainability into FY27.

How did Jana Small Finance Bank Q4 FY26 compare year on year?

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.

What sector does Jana Small Finance Bank operate in?

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.

Is Jana Small Finance Bank a good investment after Q4 FY26 results?

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’s trajectory. Always consult a SEBI registered financial advisor before making any investment decision.

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