Jana Small Finance Bank Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	5,014	6,695	2,560	54.06	843.06
Depreciation & Amortization	605.6	619.1	686.89	808.15	826.77
Gain (Loss) on Sale of Assets	3.04	5.81	9.75	2.08	77.34
Gain (Loss) on Sale of Investments	982.34	1,416	31.3	29.45	44.95
Provision for Credit Losses	6,584	5,410	7,442	5,683	3,698
Change in Other Net Operating Assets	-37,734	-67,823	-50,029	-9,494	-26,627
Other Operating Activities	-449.92	-1,726	-93.63	-27.67	-41.44
Operating Cash Flow	-24,753	-55,294	-39,347	-2,921	-21,187
Capital Expenditures	-733.54	-769.13	-260.46	-408.42	-427.24
Sale of Property, Plant and Equipment	9.04	5.81	2.8	2.29	2.72
Investment in Securities	-2,486	-7,038	-4,087	-12,898	-12,233
Investing Cash Flow	-3,210	-7,801	-4,345	-13,304	-12,657
Short-Term Debt Issued	4,920	-	-	-	-
Long-Term Debt Issued	10,050	8,799	17,676	-	19,166
Total Debt Issued	14,970	8,799	17,676	-	19,166
Long-Term Debt Repaid	-28,416	-19,459	-	-3,555	-
Total Debt Repaid	-28,416	-19,459	-	-3,555	-
Net Debt Issued (Repaid)	-13,446	-10,660	17,676	-3,555	19,166
Issuance of Common Stock	132.02	13,695	2,160	1,160	0.09
Preferred Stock Issued	-	-	1,200	-	-
Preferred Share Repurchases	-	-2,700	-	-	-
Net Increase (Decrease) in Deposit Accounts	65,485	62,372	27,975	11,507	27,340
Financing Cash Flow	52,171	62,707	49,011	9,112	46,506
Net Cash Flow	24,208	-387.91	5,320	-7,113	12,662
Free Cash Flow	-25,486	-56,063	-39,608	-3,330	-21,615
Free Cash Flow Margin	-104.28%	-246.50%	-257.11%	-29.10%	-191.01%
Free Cash Flow Per Share	-242.28	-759.64	-659.74	-61.10	-402.62
Cash Income Tax Paid	172.52	173.81	93.63	27.67	41.44

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.