About J A Finance
J A Finance is a publicly listed company based in Kolkata (India) founded in 1993. Consumer loans are provided to individuals by J A Finance. Its Indian entity J.A. Finance Ltd. reported revenue of ₹2.79 Cr. J A Finance offers products and services including Financial Services and Investor Relations. Its focus areas include Consumer and SME Loans, Consumer Loans and Diversified. Similar companies include Manappuram Finance, L & T Finance Holdings and IIFL Finance; 1 of its 3 listed similar companies has raised funding.
Company details
J A Finance was established in 1993 and is headquartered in Kolkata, India. Operations are focused on the financial services sector, where consumer loans are extended to borrowers. Services include personal financing options tailored for retail customers. The company is led by Managing Director Akshay Goyal. Activities are conducted primarily within the Indian market, supporting local economic needs through accessible credit provisions.
- Headquarters Kolkata, India
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website jafinance.co.in
- Legal Name J.A. Finance Ltd
- Market Cap₹147 Cr
JAFINANCE · BSE
- Share Price₹138.50
0.00% today
- Revenue₹2.79 Cr
FY 2025-26 · +22.4% YoY
- EBITDA₹1.84 Cr
Margin 66.0%
- Net Profit₹0.54 Cr
FY 2025-26 · +1000.0% YoY
- P/E (TTM)263.9x
P/B 7.5x
- ROE2.6%
ROCE 7.8%
- Debt / Equity0.16
Interest cover 57.1x
Associated legal entities of J A Finance
J A Finance is associated with 2 registered companies on The Company Check; the primary company is J.A. Finance Ltd., a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| J.A. Finance Ltd. Listed CIN L65999WB1993PLC058703 | Active | 30 Apr 1993 | Kolkata, West Bengal | ₹2.8 Cr | 6 | View details | |
| Niche Technologies Private Limited CIN U74140WB1994PTC062636 | Active | 28 Mar 1994 | Kolkata, West Bengal | ₹1.9 Cr | 7 | View details |
Products & Services of J A Finance
J A Finance offers a comprehensive portfolio of products and services, including Financial Services and Investor Relations.
Provides various finance options to customers across India
Manages investor grievances and financial reporting
Board of directors of J.A. Finance Ltd. (J A Finance)
J.A. Finance Ltd. is the primary company behind J A Finance. The boards of the 2 registered companies of J A Finance currently have 11 directors; the longest-serving is Dilip Kumar Goyal, appointed in 1993. 22 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Dilip Kumar Goyal DIN 00033590 | Director | 30 Apr 1993 | 33 yrs 6 mo | J.A. Finance Ltd. |
| Sarwan Kumar Barjatya DIN 00562470 | Director | 28 Mar 1994 | 32 yrs 7 mo | Niche Technologies Private Limited |
| Kamal Nayan Jain DIN 01325348 | Director | 01 Jul 1995 | 31 yrs 3 mo | Niche Technologies Private Limited |
| Ashok Kumar Biyani DIN 01540022 | Director | 22 Sep 2000 | 26 yrs 1 mo | Niche Technologies Private Limited |
| Nirmal Kumar Biyani DIN 01544561 | Director | 25 Sep 2000 | 26 yrs 1 mo | Niche Technologies Private Limited |
| Akshay Goyal DIN 00201393 | Managing Director | 31 Mar 2014 | 12 yrs 7 mo | J.A. Finance Ltd. |
| Dilip Kumar Patni DIN 01069986 | Director | 13 Nov 2018 | 7 yrs 11 mo | Niche Technologies Private Limited |
| Arihant Patni DIN 07210950 | Director | 13 Nov 2018 | 7 yrs 11 mo | Niche Technologies Private Limited |
| Amit Agarwal DIN 07274291 | Director | 14 Aug 2020 | 6 yrs 2 mo | J.A. Finance Ltd. |
| Deepa Kumari Saha DIN 11106312 | Director | 30 Apr 2025 | 1 yr 6 mo | J.A. Finance Ltd. |
| Ayush Jain DIN 07569306 | Additional Director | 05 Mar 2026 | 7 mo | Niche Technologies Private Limited |
People of J A Finance
1 people are tracked at J A Finance (1 in leadership).
| Name | Role | Group |
|---|---|---|
| Managing Director | Leadership |
Complete people profiles for J A Finance
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
IPO & Listings of J A Finance
J A Finance is a publicly listed company on the BSE with ticker symbol JAFINANCE in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date04 May 2023
- Listed onBSE: 543860
- Listed entityJ.A. Finance Ltd
- Exchange sectorFinance
- ISININE825B01010
- Share price₹158.25 (-0.53% on the day) · 2026-10-14
- Volume (last session)1,080
Financials of J A Finance
Exchange-reported figures of J.A. Finance Ltd., the listed company behind J A Finance (BSE: JAFINANCE).
Financial Highlights
FY 2025-26 · StandaloneRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | 2.79 | 2.28 | 3.06 | 2.18 | 3.17 | 1.79 |
| Revenue growth | +22.4% | -25.5% | +40.4% | -31.2% | +77.1% | - |
| EBITDA | 1.84 | 1.43 | 2.20 | 1.26 | 2.36 | 1.10 |
| EBITDA margin | +66.0% | +62.7% | +71.9% | +57.8% | +74.5% | +61.5% |
| Profit before tax | 0.79 | 1.10 | 1.28 | 0.62 | 1.92 | 0.80 |
| Net profit | 0.54 | (0.06) | 1.01 | 0.40 | 0.78 | 0.00 |
| Net profit margin | +19.4% | -2.6% | +33.0% | +18.4% | +24.6% | 0.0% |
| EPS (₹) | 0.51 | (0.04) | 0.95 | 0.38 | 1.59 | (0.01) |
| Balance sheet | ||||||
| Total assets | 23.19 | 24.01 | 26.99 | 27.02 | 23.28 | 21.83 |
| Net worth | 20.64 | 20.05 | 19.90 | 18.90 | 18.57 | 17.66 |
| Total debt | 2.56 | 3.96 | 7.09 | 8.13 | 4.71 | 4.17 |
| Cash & bank | 0.17 | 0.02 | 2.05 | 0.62 | 0.02 | 0.00 |
| Net working capital | 0.54 | 0.38 | 2.57 | 1.16 | 0.20 | 0.66 |
| Cash flow | ||||||
| Cash from operations | 2.60 | (1.11) | 3.77 | (1.61) | 0.15 | - |
| Cash from investing | 0.00 | 2.53 | (0.40) | (0.55) | (0.13) | - |
| Cash from financing | (2.45) | (3.45) | (1.95) | 2.77 | (0.01) | - |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.52 | 0.69 | 0.55 | 0.81 | 0.73 | 0.42 | 0.59 | 0.58 |
| Revenue growth (YoY) | -28.8% | +64.3% | -6.8% | +39.7% | +7.4% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.16 | 0.17 | 0.36 | 0.18 | 0.24 | 0.23 | 0.20 | 0.20 |
| EBITDA | 0.36 | 0.52 | 0.19 | 0.63 | 0.49 | 0.19 | 0.39 | 0.38 |
| EBITDA margin | +69.2% | +75.4% | +34.5% | +77.8% | +67.1% | +45.2% | +66.1% | +65.5% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.05 | 0.23 | 0.27 | 0.30 | 0.24 | 0.06 | 0.07 | 0.08 |
| Profit before tax | 0.31 | 0.29 | (0.08) | 0.33 | 0.25 | 0.13 | 0.32 | 0.30 |
| Tax | 0.08 | 0.12 | (0.02) | 0.08 | 0.07 | 0.93 | 0.08 | 0.07 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.52 | 0.69 | 0.55 | 0.81 | 0.73 | 0.42 | 0.59 | 0.58 |
| Revenue growth (YoY) | -28.8% | +64.3% | -6.8% | +39.7% | +7.4% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.16 | 0.17 | 0.36 | 0.18 | 0.24 | 0.23 | 0.20 | 0.20 |
| EBITDA | 0.36 | 0.52 | 0.19 | 0.63 | 0.49 | 0.19 | 0.39 | 0.38 |
| EBITDA margin | +69.2% | +75.4% | +34.5% | +77.8% | +67.1% | +45.2% | +66.1% | +65.5% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.05 | 0.23 | 0.27 | 0.30 | 0.24 | 0.06 | 0.07 | 0.08 |
| Profit before tax | 0.31 | 0.29 | (0.08) | 0.33 | 0.25 | 0.13 | 0.32 | 0.30 |
| Tax | 0.08 | 0.12 | (0.02) | 0.08 | 0.07 | 0.93 | 0.08 | 0.07 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Revenue | 2.79 | 2.28 | 3.06 | 2.18 | 3.17 | 1.79 |
| Revenue growth | +22.4% | -25.5% | +40.4% | -31.2% | +77.1% | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.95 | 0.85 | 0.86 | 0.92 | 0.81 | 0.69 |
| Employee cost | 0.55 | 0.65 | 0.60 | 0.61 | 0.61 | 0.47 |
| EBITDA | 1.84 | 1.43 | 2.20 | 1.26 | 2.36 | 1.10 |
| EBITDA margin | +66.0% | +62.7% | +71.9% | +57.8% | +74.5% | +61.5% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 1.05 | 0.33 | 0.92 | 0.64 | 0.44 | 0.30 |
| Profit before tax | 0.79 | 1.10 | 1.28 | 0.62 | 1.92 | 0.80 |
| Tax | 0.25 | 1.15 | 0.27 | 0.22 | 0.23 | 0.80 |
| Net profit | 0.54 | (0.06) | 1.01 | 0.40 | 0.78 | 0.00 |
| Net profit margin | +19.4% | -2.6% | +33.0% | +18.4% | +24.6% | 0.0% |
| EPS (₹) | 0.51 | (0.04) | 0.95 | 0.38 | 1.59 | (0.01) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Equity & liabilities | ||||||
| Share capital | 10.65 | 10.65 | 10.65 | 10.65 | 10.65 | 3.99 |
| Reserves & surplus | 9.99 | 9.40 | 9.25 | 8.25 | 7.92 | 13.67 |
| Shareholders' funds (net worth) | 20.64 | 20.05 | 19.90 | 18.90 | 18.57 | 17.66 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 2.56 | 3.96 | 7.09 | 8.13 | 4.71 | 4.17 |
| Total debt | 2.56 | 3.96 | 7.09 | 8.13 | 4.71 | 4.17 |
| Total liabilities | 23.19 | 24.01 | 26.99 | 27.02 | 23.28 | 21.83 |
| Assets | ||||||
| Gross block | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Net block | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.94 | 0.90 | 3.17 | 2.60 | 2.37 | 2.08 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Cash & bank balances | 0.17 | 0.02 | 2.05 | 0.62 | 0.02 | 0.00 |
| Loans & advances | 0.45 | 0.43 | 0.58 | 0.61 | 0.27 | 0.74 |
| Total current assets | 0.62 | 0.46 | 2.64 | 1.23 | 0.29 | 0.74 |
| Total current liabilities | 0.08 | 0.08 | 0.07 | 0.07 | 0.09 | 0.08 |
| Net working capital | 0.54 | 0.38 | 2.57 | 1.16 | 0.20 | 0.66 |
| Total assets | 23.19 | 24.01 | 26.99 | 27.02 | 23.28 | 21.83 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Opening cash | 0.02 | 2.05 | 0.62 | 0.02 | 0.00 | - |
| Net cash from operating activities | 2.60 | (1.11) | 3.77 | (1.61) | 0.15 | - |
| Net cash from investing activities | 0.00 | 2.53 | (0.40) | (0.55) | (0.13) | - |
| Net cash from financing activities | (2.45) | (3.45) | (1.95) | 2.77 | (0.01) | - |
| Net change in cash | 0.15 | (2.03) | 1.42 | 0.61 | 0.01 | - |
| Closing cash | 0.17 | 0.02 | 2.05 | 0.62 | 0.02 | - |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Growth | ||||||
| Sales growth | +22.4% | -25.5% | +40.4% | -31.2% | +77.1% | - |
| EBITDA growth | +28.7% | -35.0% | +74.6% | -46.6% | +114.6% | - |
| PBT growth | -28.2% | -14.1% | +106.5% | -67.7% | +140.0% | +9997.0% |
| Net income growth | +1000.0% | -105.9% | +152.5% | -48.7% | - | - |
| Revenue CAGR (3Y) | +8.6% | -10.4% | +19.6% | - | - | - |
| EBITDA CAGR (3Y) | +13.5% | -15.4% | +26.0% | - | - | - |
| Profitability & leverage | ||||||
| Net income margin | +19.4% | -2.2% | +33.0% | +18.4% | +53.3% | 0.0% |
| Return on capital employed | +7.8% | +5.7% | +8.2% | +5.1% | +5.9% | - |
| Return on net worth | +2.7% | -0.2% | +5.2% | +2.2% | +4.4% | - |
| Debt / equity | 0.16 | 0.28 | 0.39 | 0.34 | 0.25 | - |
| Long-term debt / equity | 0.16 | 0.28 | 0.39 | 0.34 | 0.16 | - |
| Interest cover | 57.07 | 23.08 | 41.82 | 50.79 | 18.64 | 27.27 |
| Efficiency & per share | ||||||
| Fixed asset turnover | 279.00 | 228.00 | 306.00 | 218.00 | 634.00 | - |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Debtors turnover | 558.00 | 228.00 | 612.00 | 0.00 | 0.00 | - |
| EPS (₹) | 0.51 | (0.04) | 0.95 | 0.38 | 1.59 | (0.01) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 19.38 | 18.82 | 18.69 | 17.75 | 17.44 | 44.22 |
Similar companies to J A Finance
J A Finance has 3 listed similar companies in our database, 1 of them funded. They include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| manappuram.com | 1992 | Valapad, India | $39.98M | 32,076 | Consumer and SME loans are provided by Manappuram Finance. | |
| ltfs.com | 1994 | Mumbai, India | 39,216 | Diversified lending services are provided as a non-banking financial institution. | ||
| iifl.com | 1995 | Mumbai, India | 16,076 | Online gold, home, personal, and business loans are provided. |
Detailed similar companies of J A Finance
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Top companies in Consumer and SME Loans
3 companies that operate in the same segment as J A Finance (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
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Frequently Asked Questions about J A Finance
J A Finance was founded in 1993.
J A Finance is headquartered in Kolkata, India. It is registered at Kolkata, West Bengal, India.
The primary company behind J A Finance, J.A. Finance Ltd., reported revenue of ₹2.79 Cr for FY 2026, up 22% year on year.
J A Finance was established in 1993 and is headquartered in Kolkata, India. Operations are focused on the financial services sector, where consumer loans are extended to borrowers. Services include personal financing options tailored for retail customers. The company is led by Managing Director Akshay Goyal. Activities are conducted primarily within the Indian market, supporting local economic needs through accessible credit provisions.
J A Finance's top competitors include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
J A Finance offers Financial Services and Investor Relations.
Yes, J A Finance is publicly traded on BSE under the ticker symbol JAFINANCE.
J A Finance is associated with 2 legal entities: J.A. Finance Ltd., Niche Technologies Private Limited.
The legal entities of J A Finance currently have 13 directors, including Sarwan Kumar Barjatya, Dilip Kumar Patni, Kamal Nayan Jain and others.