Jana Small Finance Bank Limited (NSE:JSFB)

Jana Small Finance Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	44,583	42,684	36,160	30,750	27,265	24,977
Interest Income on Investments	4,752	4,414	3,978	-	-	-
Total Interest Income	49,335	47,098	40,138	30,750	27,265	24,977
Interest Paid on Deposits	25,286	23,167	18,859	14,150	13,368	12,346
Net Interest Income	24,049	23,931	21,279	16,600	13,898	12,631
Net Interest Income Growth (YoY)	2.60%	12.46%	28.19%	19.44%	10.03%	24.89%
Gain (Loss) on Sale of Assets	-3.04	-3.04	-5.81	-9.75	-2.07	-77.28
Gain (Loss) on Sale of Investments	230.47	230.47	92.6	29.6	46.52	207.88
Other Non-Interest Income	9,001	7,531	6,616	6,229	3,193	2,220
Total Non-Interest Income	9,229	7,759	6,702	6,249	3,238	2,351
Non-Interest Income Growth (YoY)	35.08%	15.76%	7.26%	93.00%	37.72%	-45.74%
Revenues Before Loan Losses	33,278	31,690	27,982	22,849	17,135	14,982
Provision for Loan Losses	7,192	7,250	5,238	7,444	5,693	3,666
Revenue	26,086	24,440	22,744	15,405	11,442	11,316
Revenue Growth (YoY)	6.90%	7.46%	47.64%	34.63%	1.11%	-5.24%
Salaries and Employee Benefits	13,225	11,863	9,638	7,730	6,966	6,194
Occupancy Expenses	2,190	2,190	2,110	1,946	1,995	2,139
Selling, General & Administrative	3,971	4,006	3,526	2,562	1,856	1,680
Other Non-Interest Expense	2,160	1,126	665.29	560.69	547.86	469.66
Total Non-Interest Expense	21,788	19,426	16,048	12,845	11,388	10,473
EBT Excluding Unusual Items	4,298	5,014	6,695	2,560	54.06	843.06
Pretax Income	4,298	5,014	6,695	2,560	54.06	843.06
Income Tax Expense	187.77	-	-	-	-	-
Net Income	4,111	5,014	6,695	2,560	54.06	843.06
Net Income to Common	4,111	5,014	6,695	2,560	54.06	843.06
Net Income Growth	-43.19%	-25.11%	161.57%	4635.12%	-93.59%	179.81%
Basic Shares Outstanding	105	105	74	54	51	51
Diluted Shares Outstanding	105	105	74	60	54	54
Shares Change (YoY)	12.00%	42.53%	22.93%	10.17%	1.50%	5.15%
EPS (Basic)	39.15	47.89	90.85	47.47	1.06	16.62
EPS (Diluted)	39.07	47.67	90.72	42.64	0.99	15.70
EPS Growth	-49.27%	-47.45%	112.76%	4207.07%	-93.69%	166.10%
Effective Tax Rate	4.37%	-	-	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.