Jana Small Finance Bank Q2 FY27 PAT of Rs. 170 crore up 127% YoY; PAT growth guidance raised to 100%
Q2 FY27 PAT Rs. 170 Crs, up 127% YoY; advances up ~22% to Rs. 38,752 Crs; GNPA eases to 2.17%.
By ScoutQuest · · 1 min read
- Q2 FY27 PAT
- Rs. 170 Crs, up 127% YoY
- Advances Growth
- up ~22% to Rs. 38,752 Crs
- FY27 PAT Growth Guidance
- revised upwards from 80% to 100%
- Period
- Q2 FY27
- Positioning
- A scheduled commercial small finance bank with 829 outlets across 23 states and 2 UTs, 4.7 million active customers and a loan book that is 73.7% secured.
📉 Q2 FY27 PAT was Rs. 170 Crs, up 127% YoY and 10% QoQ, with NII up 35% YoY. NIM rose from 6.5% to 7.54% YoY as cost of funds fell from 7.9% to 7.4%. H1 FY27 PAT of Rs. 326 Crs matched the full-year FY26 PAT.
📉 Advances grew ~22% YoY to Rs. 38,752 Crs, with secured advances up 24.4% and unsecured up 17.1%; deposits rose 17.5% YoY to Rs. 38,221 Crs. GNPA eased to 2.17%, but NNPA rose to 1.08% and PCR fell to 50.62%.
🎯 Management states that its guidance of an 80% increase in PAT has been revised upwards to 100%. It says NNPA will fall below 1% once a lodged claim is settled in Q3, and expects slippages to start trending down after the drop in SMA.
📌 The presentation lists an FY27 plan of 78 branch actions (40 done in H1), new products such as Credit Line on UPI, Loan against Shares and MF, and Trade and Forex. It also states that Rs. 626 Crs of capital is due over the next 15 months from warrant conversion.
Also from Jana Small Finance Bank
Jana Small Finance Bank uploads audio recording of Q2 FY2027 earnings conference call
23 Oct 2026
Company Secretary & Compliance Officer appointed, effective November 01, 2026
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Q2 FY27 results: PAT Rs 170 crore, up 127% y-o-y; FY27 PAT growth guidance raised to 100%
23 Oct 2026
More numbers
- PAT, Q2 FY27Rs. 170 Crs
- PAT growth YoY, Q2 FY27127%
- PAT, H1 FY27Rs. 326 Crs
- Revised PAT growth guidance, FY27100%
- NIM, Q2 FY277.54%
- GNPA, Q2 FY272.17%
- NNPA, Q2 FY271.08%
- PCR, Q2 FY2750.62%
- Advances, Sep 2026Rs. 38,752 Crs
- Disbursements, Q2 FY27Rs. 4,414 crores
- Total deposits, Sep-2638,221 (Rs. Crs)
- Credit to deposits ratio, Sep-2692.7%
- Capital due from warrant conversionRs. 626 Crs
- Cost to income, Q2 FY2764.3%
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