Jana Small Finance Bank Limited (NSE:JSFB)

Jana Small Finance Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	48,039	42,684	36,160	30,750	27,265
Interest Income on Investments	5,490	4,414	3,978	-	-
Total Interest Income	53,529	47,098	40,138	30,750	27,265
Interest Paid on Deposits	27,597	23,167	18,859	14,150	13,368
Net Interest Income	25,931	23,931	21,279	16,600	13,898
Net Interest Income Growth (YoY)	8.36%	12.46%	28.19%	19.44%	10.03%
Gain (Loss) on Sale of Assets	-	-3.04	-5.81	-9.75	-2.07
Gain (Loss) on Sale of Investments	-	230.47	92.6	29.6	46.52
Other Non-Interest Income	10,219	7,531	6,616	6,229	3,193
Total Non-Interest Income	10,219	7,759	6,702	6,249	3,238
Non-Interest Income Growth (YoY)	31.71%	15.76%	7.26%	93.00%	37.72%
Revenues Before Loan Losses	36,150	31,690	27,982	22,849	17,135
Provision for Loan Losses	8,392	7,250	5,238	7,444	5,693
Revenue	27,758	24,440	22,744	15,405	11,442
Revenue Growth (YoY)	13.57%	7.46%	47.64%	34.63%	1.11%
Salaries and Employee Benefits	14,454	11,863	9,638	7,730	6,966
Occupancy Expenses	-	2,190	2,110	1,946	1,995
Selling, General & Administrative	148.36	4,006	3,526	2,562	1,856
Other Non-Interest Expense	9,891	1,126	665.29	560.69	547.86
Total Non-Interest Expense	24,494	19,426	16,048	12,845	11,388
EBT Excluding Unusual Items	3,264	5,014	6,695	2,560	54.06
Pretax Income	3,264	5,014	6,695	2,560	54.06
Net Income	3,264	5,014	6,695	2,560	54.06
Net Income to Common	3,264	5,014	6,695	2,560	54.06
Net Income Growth	-34.90%	-25.11%	161.57%	4635.12%	-93.59%
Basic Shares Outstanding	105	105	74	54	51
Diluted Shares Outstanding	106	105	74	60	54
Shares Change (YoY)	0.36%	42.53%	22.93%	10.17%	1.50%
EPS (Basic)	31.02	47.89	90.85	47.47	1.06
EPS (Diluted)	30.92	47.67	90.72	42.64	0.99
EPS Growth	-35.14%	-47.45%	112.76%	4207.07%	-93.69%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.