Stock Report

Jana Small Finance Bank Ltd Q4FY25 net profit at Rs. 123.47 crores

Posted On : 2025-04-29 20:57:47( TIMEZONE : IST )

Jana Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 1140.3107 crores during the period ended March 31, 2025 as compared to Rs. 1075.7265 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 123.4785 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. 110.6601 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 11.71 for the period ended March 31, 2025 as compared to Rs. 10.49 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹ 1140.3107 crs	₹1075.7265 crs	6.00%
Net Profit	₹ 123.4785 crs	₹110.6601 crs	11.58%
EPS	₹11.71	₹10.49	11.63%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs. 1140.3107 crores during the period ended March 31, 2025 as compared to Rs.949.0100 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs. 123.4785 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.321.6777 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.11.71 for the period ended March 31, 2025 as compared to Rs.34.50 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹ 1140.3107 crs	₹949.0100 crs	20.16%
Net Profit	₹ 123.4785 crs	₹321.6777 crs	-61.61%
EPS	₹11.71	₹34.50	-66.06%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.4259.2841 crores during the Financial Year ended March 31, 2025 as compared to Rs.3490.7444 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.501.4187 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.669.5403 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.47.67 for the Financial Year ended March 31, 2025 as compared to Rs.90.72 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹4259.2841 crs	₹3490.7444 crs	22.02%
Net Profit	₹501.4187 crs	₹669.5403 crs	-25.11%
EPS	₹47.67	₹90.72	-47.45%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹749.6021 crs	₹757.8151 crs	₹494.3284 crs
Gross NPA %	2.71%	2.80%	2.11%
Net NPA	₹254.1850 crs	₹250.5116 crs	₹130.0179 crs
Net NPA %	0.94%	0.94%	0.56%

Gross NPA was at ₹ 749.6021 crs in Q4 FY2025 against ₹ 494.3284 crs in Q4 FY2024. The same was at ₹ 757.8151 crs in Q3 FY2025.

Net NPA was at ₹ 254.1850 crs in Q4 FY2025 against ₹ 130.0179 crs in Q4 FY2024. The same was at ₹ 250.5116 crs in Q3 FY2025.

GNPA was at 2.71% of Gross advances as on March 31, 2025 as compared to 2.11% as on March 31, 2024 and 2.80% as of December 31, 2024.

Net NPA was at 0.94% of Gross advances as on March 31, 2025 as compared to 0.56% as on March 31, 2024 and 0.94% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	1.40%	1.30%	4.21%
CAR (BASEL III) %	20.68%	18.39%	20.31%

Return on Average Assets (RoA) is at 1.40% for Q4 FY2025 against 1.30% in Q3 FY2025 and 4.21% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 20.68%, as compared to 18.39% in Q3 FY2025 and 20.31% in Q4 FY2024.

Shares of Jana Small Finance Bank Limited was last trading in BSE at Rs. 523.75 as compared to the previous close of Rs. 516.15. The total number of shares traded during the day was 17111 in over 995 trades.

The stock hit an intraday high of Rs. 528.80 and intraday low of 512.55. The net turnover during the day was Rs. 8909775.00.