Jana Small Finance Bank Limited

BSE: 544118 NSE: JSFB
Jana Small Finance Bank Limited - financial services in Bangalore, Karnataka, India. FY 2026 financials & compliance.
CIN L65923KA2006PLC040028 Incorporated 24 July 2006 ROC Bangalore HQ Bangalore, Karnataka, India
Active Listed - NSE: JSFB · BSE: 544118 Public Limited Company financial services Fortune India 500 · #431
Data last updated
Market Cap
₹4,300 Cr
JSFB · NSE
Share Price
₹402.40
-0.96% today
Revenue
₹3,615 Cr
FY 2025-26 · +14.1% YoY
Net Profit
₹326 Cr
FY 2025-26 · -34.9% YoY
P/E (TTM)
9.1x
P/B 0.9x
ROE
4.5%
as on 08 Nov 2026
Authorised capital
₹200 Cr
Registered with MCA
Paid-up capital
₹105.84 Cr
Issued & subscribed

About Jana Small Finance Bank Limited

Data last updated:

Jana Small Finance Bank Limited is a public limited company based in Bangalore, Karnataka, India. It operates in the commercial banks segment of the financial services sector. It was incorporated on 24 July 2006 and has been in existence for over 20 years.

Jana Small Finance Bank is ranked #431 on the Fortune India 500 (2025).

The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN L65923KA2006PLC040028. Its GSTIN is 29AABCJ7024M2Z8 (Karnataka). The company holds 27 GST registrations, of which 26 are active. It is a listed company as per MCA records. Its shares are listed on BSE: 544118 and NSE: JSFB.

The company has an authorised share capital of ₹200 Cr and a paid-up capital of ₹105.84 Cr. It was formerly known as Janalakshmi Financial Services Limited and Janalakshmi Financial Services Private Limited. It is led by directors including Ajay Chamanlal Kanwal (Managing Director) and Krishnan Subramania Raman (Whole-Time Director).

Its last annual general meeting (AGM) was held on 29 August 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Thefairwaybusinesspark, Bangalore, Karnataka.

As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹3,615.03 Cr, a growth of 14.1% compared to the previous year. For the same year it recorded a net profit of ₹326.44 Cr (net margin 9%). The net worth stands at ₹4,470.2 Cr (up 8.5% YoY). Total assets are valued at ₹47,448 Cr (up 23.3% YoY).

The company has about 20,802 employees on its provident fund (EPFO) records.

The company is associated with 1 brand: Jana Small Finance Bank. As per MCA filings, the company has satisfied charges of ₹16,983 Cr on record. Court records list 46,702 cases involving the company, including 46,084 filed by the company and 626 filed against it; 16,151 cases are pending. The company has 70 deals on record (31 secondary share transfers, 24 funding rounds, 7 rights issues), with disclosed funding of ₹4,747.42 Cr; the latest was in July 2026.

The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website janabank.com.

Company details

CIN L65923KA2006PLC040028
Registration Number 040028
Incorporation Date 24 July 2006
ROC Bangalore
Listing Status Listed - Listed on NSE (JSFB); Listed on BSE (544118)
Company Status Active
Date of Last AGM 29 August 2025
Date of Balance Sheet 31 March 2026
Compliance Status Active Compliant

Name history

Jana Small Finance Bank has undergone 2 name changes throughout its history. The company was previously known as Janalakshmi Financial Services Limited, and Janalakshmi Financial Services Private Limited. The current legal name is Jana Small Finance Bank Limited.

Company NameStatus
Jana Small Finance Bank LimitedCurrent
Janalakshmi Financial Services LimitedPrevious
Janalakshmi Financial Services Private LimitedPrevious

CIN history

Jana Small Finance Bank has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65923KA2006PLC040028, which is the unique identifier assigned by the Registrar of Companies.

CINStatus
L65923KA2006PLC040028Current
U65923KA2006PTC040028Previous
U65923KA2006PLC040028Previous
Key People
Ajay Chamanlal Kanwal Managing Director Krishnan Subramania Raman Whole-Time Director Chitra Rajiv Talwar Director

Recognitions & Rankings of Jana Small Finance Bank

Fortune India 500 2025 edition
Rank#431
Total income
₹5,486 Cr
Profit
₹501 Cr
Last year #447

Contact details

Jana Small Finance Bank Limited's registered office is in Bangalore, Karnataka.

  • Social Media
  • Apps
  • Registered Address
    Thefairwaybusinesspark #10/1 11/2 12/2B Off Domlur Koramangala Inner Rg Rd Next To Egl Cha, Llaghatta, Bangalore, Karnataka, India – 560071
  • Industry
    Financial Services, Commercial Banks, Bfsi
Comprehensive company report
Jana Small Finance Bank Limited - one report that includes everything
  • Company details, directors and signatories
  • Historical financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Legal cases, compliance and MCA filings
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included

Brands

Jana Small Finance Bank operates one associated brand: Jana Small Finance Bank. Each brand links to its own profile.

BrandDescriptionWebsite
Jana Small Finance Bank
Microfinance bankjanabank.com

Business activity

The main business activity of Jana Small Finance Bank is financial and insurance activities. In detail, this covers financial service activities, except insurance and pension funding.

Main activity group codeMain activityBusiness activity codeBusiness activityShare of turnover
KFinancial and insurance activities64Financial service activities, except insurance and pension funding

To see the full business activity and turnover split of Jana Small Finance Bank Limited, buy the company report.

Financials of Jana Small Finance Bank Limited

FY 2025-26 filings available

Jana Small Finance Bank Limited reported revenue of ₹3,615.03 Cr (up 14.1% YoY) for FY 2025-26.

Financial Highlights

FY 2025-26 · Standalone
Revenue
₹3,615 Cr
+14.1% YoY
EBITDA
-
Profit After Tax
₹326 Cr
-34.9% YoY
Net Worth
₹4,470 Cr
+8.5% YoY
Total Assets
₹47,448 Cr
+23.3% YoY
Total Debt
₹41,281 Cr
+25.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue3,6153,1692,7982,2851,7141,4981,445
Revenue growth+14.1%+13.3%+22.5%+33.3%+14.4%+3.7%-
Profit before tax3264745142565.4084.3030.13
Net profit3265016702565.4084.3030.13
Balance sheet
Total assets47,44838,46732,71025,64420,18919,09114,145
Net worth4,4704,1183,5771,7971,2011,1271,044
Total debt41,28132,98727,78322,61118,05017,20112,551
Cash & bank2,5584,4592,0532,0871,5372,260980
Cash flow
Cash from operations5944,073708(1,137)859615949
Cash from investing(4,133)(321)(780)(434)(1,330)(1,266)(285)
Cash from financing1,641(1,331)33.482,104(240)1,917(852)
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,0471,0091,001909853852815770
Revenue growth (YoY)+22.7%+18.5%+22.8%+18.0%+10.9%+6.6%--
Other income229227266245246266234177
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax1701551409.6974.99102120105
Tax0.000.000.000.000.000.00(3.64)(5.32)
Net profit1701551409.6974.99102123111

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 09 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,0471,0091,001909853852815770
Revenue growth (YoY)+22.7%+18.5%+22.8%+18.0%+10.9%+6.6%--
Other income229227266245246266234177
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax1701551409.6974.99102120105
Tax0.000.000.000.000.000.00(3.64)(5.32)
Net profit1701551409.6974.99102123111
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue3,6153,1692,7982,2851,7141,4981,445
Revenue growth+14.1%+13.3%+22.5%+33.3%+14.4%+3.7%-
Other income1,022776670625324235433
Depreciation0.0060.5661.9168.6980.8282.6892.53
Profit before tax3264745142565.4084.3030.13
Tax0.00(27.74)(155)0.000.000.000.00
Net profit3265016702565.4084.3030.13
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital105105105325201201201
Reserves & surplus4,3654,0133,4731,452999926843
Shareholders' funds (net worth)4,4704,1183,5771,7971,2011,1271,044
Secured loans5,4973,8675,2116,2774,5104,8152,899
Unsecured loans35,78429,12022,57116,33413,54012,3869,652
Total debt41,28132,98727,78322,61118,05017,20112,551
Total liabilities47,44838,46732,71025,64420,18919,09114,145
Assets
Investments9,8125,9456,7385,2215,0654,6982,650
Cash & bank balances2,5584,4592,0532,0871,5372,260980
Loans & advances1,051754667448408309298
Total assets47,44838,46732,71025,64420,18919,09114,145
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash4,4482,0272,0661,5352,2469801,169
Net cash from operating activities5944,073708(1,137)859615949
Net cash from investing activities(4,133)(321)(780)(434)(1,330)(1,266)(285)
Net cash from financing activities1,641(1,331)33.482,104(240)1,917(852)
Net change in cash(1,898)2,421(38.79)532(711)1,266(188)
Closing cash2,5584,4592,0532,0871,5372,260980
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+14.1%+13.3%+22.5%+33.3%+14.4%+3.7%-
Net income growth-34.9%-25.1%+161.6%+4640.0%-93.6%+179.8%-
Profitability & leverage
Return on net worth+4.5%+7.1%+10.8%+4.8%+0.1%+1.7%+1.1%
Efficiency & per share
EPS (₹)30.9947.7364.0246.561.0516.625.94
Dividend per share (₹)0.000.000.000.000.000.000.00

To see the full year-wise statements and ratios of Jana Small Finance Bank Limited, buy the company report.

Board of directors of Jana Small Finance Bank Limited

Jana Small Finance Bank has 11 current directors and 44 former directors. Current directors are listed first, with their designation and appointment date.

Current Directors
NameDesignationAppointment DateTenureStatus
Chitra Rajiv TalwarDirector31 Jan 20206 Years 9 MonthsCurrent
Kumbla Srinivas Nayak
Also directs: National Commodity Clearing Limited
Director05 May 20224 Years 6 MonthsCurrent
Ajay Chamanlal KanwalManaging Director30 Aug 20179 Years 2 MonthsCurrent
Rahul KhoslaDirector30 Sep 20206 Years 1 MonthsCurrent
Vijaya Kumar Pammi
Also directs: Standard Arc Limited
Director24 Mar 20233 Years 7 MonthsCurrent
Malini Butanahosur MallikarjunDirector20 Mar 20260 Years 7 MonthsCurrent
Showing 6 of 11 current directors. View all directors

Charges & borrowings

Open charges
None
Satisfied charges
₹16,983 Cr
Breakdown by lending institutions
Others₹4,149.70 Cr
Idbi Trusteeship Services Limited₹1,431.10 Cr
Idbi Bank Limited₹1,175.00 Cr
Yes Bank Limited₹675.00 Cr
State Bank of India₹632.50 Cr
Others₹8,919.70 Cr
Latest charge details
DateCharge IDLenderAmountStatusModified or satisfied on
05 Feb 2024100873792Others₹2.7 CrSatisfied
12 Mar 2020100332397Others₹400 CrSatisfied
14 Feb 2020100328567Others₹600 CrSatisfied
28 Sep 2017100126430Others₹200 CrSatisfied
31 Aug 2017100124449Others₹200 CrSatisfied

To see the full charge records of Jana Small Finance Bank Limited, buy the company report.

Total charge records: 270 View all charges

Deals & funding

Jana Small Finance Bank Limited has 70 deals on record (31 secondary share transfers, 24 funding rounds, 7 rights issues), with disclosed funding of ₹4,747.42 Cr; the latest was in July 2026.

Total deals
70
Secondary share transfers
31
Funding rounds
24
Rights issues
7
Market trades
3
Disclosed funding
₹4,747.42 Cr

Deals on record (5 of 70)

WhenDealAmountParties
Jul 2026Market trade₹52.6 CrBuyer: Monet Securities Pvt. Ltd.
Seller: QRG Investments and Holdings Limited
Oct 2024Market trade₹20.95 CrBuyer: an individual
Seller: Par Solar Private Limited
May 2024Market trade₹47.92 CrBuyer: Graviton Research Capital LLP
Seller: Graviton Research Capital LLP
Feb 2024IPO₹570 CrInvestors: EAST BRIDGE CAPITAL, Sbi Life Insurance Company Limited , TURNAROUND OPPORTUNITI ES FUND
Seller: CVCIGP II Employee Rosehill Limited, Client Rosehill Limited, Hero Enterprise Partner Ventures
Jan 2024Funding round₹101 CrInvestors: Sbi General Insurance Company Limited , Kotak Mahindra Life Insurance Company Limited , Ananta Capital

To see the full deal history of Jana Small Finance Bank Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

Credit ratings & regulatory alerts

Jana Small Finance Bank Limited was last rated by Icra on 23 Mar 2021.

Rating agencyRated onRating
Icra23 Mar 2021

To see the full credit ratings and regulatory alerts of Jana Small Finance Bank Limited, buy the company report.

MSME payment delays

No delayed payments to MSME suppliers are on our record for Jana Small Finance Bank Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.

GST

Jana Small Finance Bank has 27 GST registrations: 26 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.

Total GSTINs
27
Active
26
Cancelled / inactive
1
GSTINStateStatusRegistered on
29AABCJ7024M2Z8KarnatakaActive01 Jul 2017
29AABCJ7024M3Z7KarnatakaActive24 May 2019
29AABCJ7024M4Z6KarnatakaActive21 Sep 2019
03AABCJ7024M1ZNPunjabActive01 Jul 2017

To see the full GST registrations and return filing status of Jana Small Finance Bank Limited, buy the company report.

Recent activity

Jana Small Finance Bank Limited has 56 board changes on record since 2006: 14 appointments and 42 cessations. The latest: Malini Butanahosur Mallikarjun was appointed as Director on 20 Mar 2026.

Filing
Jana Small Finance Bank Limited has filed its annual Financial statements for the year ended 31 Mar 2026 with Roc Bangalore.
Appointed
Malini Butanahosur Mallikarjun was appointed as Director.
Appointed
Ajay Rotti Jayathirtha was appointed as Director.
Appointed
Pankaj Jawaharlal Razdan was appointed as Director.
Ceased
Rakesh Joshi ceased to be Additional Director.
Charges
A charge registered on 05 Feb 2024 via Charge ID 100873792 with Others was fully satisfied on 06 Nov 2025.
AGM
Jana Small Finance Bank Limited last Annual general meeting of members was held on 29 Aug 2025 as per latest MCA records.
Appointed
Rakesh Joshi was appointed as Director.
Ceased
Dinesh Chander Patwari ceased to be Additional Director.
Appointed
Dinesh Chander Patwari was appointed as Director.
Charges
A charge with Others amounted to Rs. 2.70 Cr with Charge ID 100873792 was registered on 05 Feb 2024.
Ceased
Krishnan Subramania Raman ceased to be Additional Director.

604 earlier events are in the company report.

News

JSFB: Q2 SL NET PROFIT 1.7B RUPEES VS 750M (YOY); Q2 REVENUE 16B RUPEES VS 13B (YOY)
23 Oct 2026 · Exchange Update
JSFB: Q2 GNPA 2.34% VS 2.39% (QOQ); Q2 NNPA 1.17% VS 0.91% (QOQ)
23 Oct 2026 · Exchange Update

Frequently asked questions

Jana Small Finance Bank is an active public limited company based in Bangalore, Karnataka, India. The company works in commercial banks, within the financial services industry. It was incorporated on 24 July 2006 (20+ years old) and is registered under CIN L65923KA2006PLC040028. Listed on BSE: 544118 and NSE: JSFB.

Jana Small Finance Bank reported revenue of ₹3,615.03 Cr for FY 2025-26 (up 14.1% YoY) based on standalone financials.

Jana Small Finance Bank has 11 current directors:

The latest financial statements of Jana Small Finance Bank on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 29 August 2025. Year-wise statements from 2015 are in the company report.

The GSTIN of Jana Small Finance Bank is 29AABCJ7024M2Z8, registered in Karnataka. The company has 27 GST registrations in all, of which 26 are active and 1 is cancelled or inactive. Other active GSTINs include 29AABCJ7024M3Z7 (Karnataka), 29AABCJ7024M4Z6 (Karnataka), 03AABCJ7024M1ZN (Punjab).

The CIN (Corporate Identification Number) of Jana Small Finance Bank is L65923KA2006PLC040028. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Yes. Jana Small Finance Bank is a listed company as per MCA records. Its shares are listed on both BSE (code: 544118) and NSE (symbol: JSFB).

Jana Small Finance Bank has 46,702 court cases on record: 46,084 filed by the company and 626 filed against it. 16,151 are pending. Most are in the district courts.

Jana Small Finance Bank was incorporated on 24 July 2006, making it 20+ years old. It is registered with the Registrar of Companies, Bangalore.

Jana Small Finance Bank has 70 deals on record (31 secondary share transfers, 24 funding rounds, 7 rights issues), with disclosed funding of ₹4,747.42 Cr; the latest was in July 2026.