Jana Small Finance Bank Ltd

Jana Small Finance Bank announced that an Extra Ordinary General Meeting (EGM) of the Company will be held on 11 June 2026.

Jana Small Finance Bank announced that Jana Holdings (promoter) has entered into a share purchase agreement dated 18 May 2026 with TVS Motor Company, pursuant to which Jana Holdings has agreed to sell up to 51,60,903 equity shares (representing 4.9% stake) of Jana Small Finance Bank to TVS Motors Company for an aggregate sale consideration of Rs 193.31 crore.

Jana Small Finance Bank will hold a meeting of the Board of Directors of the Company on 18 May 2026.

Net interest income improved by 26.7% to Rs 736 crore in Q4 FY26 from Rs 581 crore in Q4 FY25. Operating expenditure for the period under review was Rs 1375.48 crore, up 20.6% YoY. Accordingly, operating profit in the March 2026 quarter jumped 20.7% to Rs 334.72 crore from Rs 277.42 crore in the same period last year. Provisions & contingencies added up to Rs 194.90 crore in Q4 FY26, up 23.7% YoY. Profit before tax in Q4 FY26 stood at Rs 139.82 crore, up by 16.7% from Rs 119.84 crore in Q4 FY25. For FY26, the bank has posted net profit and total income of Rs 326.43 crore (down 34.9% YoY) and Rs 6,374.76 crore (up 17.0% YoY), respectively. The gross NPA ratio declined to 2.46% as on March 2026 as against 2.71% as on March 2025. Net NPAs came in at 0.92% in Q4 FY26 as compared with 0.94% in Q4 FY25. As on 31 March 2026, deposits amounted to Rs 35,784 crore (up 22.9% YoY) while advances added up to Rs 33,828 crore (up 24.6% YoY). Capital Adequacy ratio at 19.4% with Tier-1 CRAR of 17.5% as on 31 March 2026. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said: Q4 FY26 has been a strong and encouraging quarter for the Bank, reflecting the resilience of our business model and the disciplined execution of our strategy. We have delivered both on quantity and quality and see it sustaining into next FY. As we move into the new financial year, we remain cautiously optimistic. While the macroeconomic environment continues to evolve, we are confident in our ability to sustain growth momentum while maintaining prudent risk management and strong governance standards. We remain committed to sustaining the turnaround of Q4 into next FY. Jana Small Finance Bank (Jana SFB), a scheduled commercial bank, is the fourth largest small finance bank in India with an experience of over 17 years in lending and serving more than 12 million customers. The scrip shed 0.83% to currently trade at Rs 462.20 on the BSE. Powered by Capital Market - Live

Net profit of Jana Small Finance Bank rose 13.23% to Rs 139.82 crore in the quarter ended March 2026 as against Rs 123.48 crore during the previous quarter ended March 2025. Total Operating Income rose 22.02% to Rs 1444.59 crore in the quarter ended March 2026 as against Rs 1183.85 crore during the previous quarter ended March 2025. For the full year,net profit declined 34.90% to Rs 326.43 crore in the year ended March 2026 as against Rs 501.42 crore during the previous year ended March 2025. Total Operating Income rose 14.59% to Rs 5352.87 crore in the year ended March 2026 as against Rs 4671.31 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Total Operating Income1444.591183.85 22 5352.874671.31 15 OPM %40.3741.25 -38.5643.12 - PBDT139.82119.84 17 326.43473.68 -31 PBT139.82119.84 17 326.43473.68 -31 NP139.82123.48 13 326.43501.42 -35 Powered by Capital Market - Live

Jana Small Finance Bank will hold a meeting of the Board of Directors of the Company on 29 April 2026.

Jana Small Finance Bank has appointed Malini B Mallikarjun (DIN: 11544116) as an Additional Director of the Bank (Independent Director) of the Bank w.e.f today i.e., 20 March 2026. Powered by Capital Market - Live

CARE Ratings stated that the reaffirmation of the rating assigned to Jana Small Finance Bank (JSFBL) factors in the bank's adequate capitalisation, steady growth in business scale, and increasing diversification of its loan portfolio. The credit profile is supported by the bank's ongoing strategic shift to secured retail and micro, small and medium enterprise (MSME) segments from unsecured microfinance lending, which would enhance portfolio stability in the medium term but would also exert pressure on yields going forward. Share of microfinance loans in the advances book declined to 27% as on 31 December 2025, from 40% as on 31 March 2024, while the proportion of secured advances increased to 73% from 60%, with management targeting a further increase to 80% in the medium term. Improvement in microfinance asset quality indicators in recent quarters supported a gradual resumption of growth in the unsecured portfolio from Q3 FY26. However, ratings are constrained by deterioration in asset quality and moderation in profitability in FY25 and 9MFY26, primarily due to stress in the microfinance segment, which resulted in elevated credit costs and impacted earnings. On the liability side, while the bank continued to expand its deposit base and improve its credit-to-deposit ratio, the current account savings account (CASA) ratio remained relatively low at 20% as on 31 December 2025, with a relatively high dependence on bulk deposits. The rating remains constrained by elevated refinancing and repayment risks at the holding companies, Jana Capital and Jana Holdings. The agency further said that factors like increasing scale of operations, while maintaining adequate capitalisation levels; improvement in deposits profile, with improvement in the CASA proportion and credit to deposit (CD) ratio on a sustained basis; and an improvement in the asset quality and profitability on a sustained basis. However, a deterioration in asset quality leading to significant moderation in profitability parameters and a deterioration in capital adequacy parameters with capital adequacy ratio (CAR) falling below 17% on a sustained basis could lead to negative rating action. Jana Small Finance Bank is a Bengaluru-based SFB focused on retail banking, with emphasis on microfinance, housing loans, micro housing/M-LAP, and micro and small enterprise lending. As on 31 December 2025, the bank operated through 816 branches and reported deposits of Rs 33,733 crore and advances of Rs 33,324 crore. The scrip shed 0.70% to currently trade at Rs 391.10 on the BSE. Powered by Capital Market - Live

Net profit of Jana Small Finance Bank declined 91.24% to Rs 9.69 crore in the quarter ended December 2025 as against Rs 110.66 crore during the previous quarter ended December 2024. Total Operating Income rose 17.56% to Rs 1384.13 crore in the quarter ended December 2025 as against Rs 1177.41 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income1384.131177.41 18 OPM %34.2743.55 - PBDT9.69105.34 -91 PBT9.69105.34 -91 NP9.69110.66 -91 Powered by Capital Market - Live

Jana Small Finance Bank will hold a meeting of the Board of Directors of the Company on 6 February 2026.Powered by Capital Market - Live