Jana Small Fin. Bank
Small Finance Bank · NSE JSFB · Market cap ₹5,682
Latest FY FY2026
Loan growth
24.6%
Deposit growth
22.9%
NIM
7.5%
43th pctile
ROA
0.8%
ROE
8.1%
Gross NPA
2.2%
14th pctile
P/B
0.85x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 24.6% | 17.7% | +6.9pp | — |
| Deposit growth | 22.9% | 13.4% | +9.5pp | — |
| CASA | 19.0% | 32.7% | -13.7pp | 43th |
| NIM | 7.5% | 3.6% | +3.9pp | 43th |
| ROA | 0.8% | 1.1% | -0.3pp | — |
| ROE | 8.1% | 12.4% | -4.3pp | — |
| Gross NPA | 2.2% | 1.9% | +0.4pp | 14th |
| Credit cost | 2.8% | 1.3% | +1.5pp | — |
| Cost/income | 67.0% | 55.1% | +11.9pp | — |
| CRAR | 20.2% | 18.9% | +1.3pp | — |
| P/B | 0.85x | 1.07x | -0.2pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Gross NPA -20.0% YoY to 2.24 · abs(yoy)>=15%
- ▲Cost To Income Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Yield On Advances accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +10.5pp vs listed-bank aggregate (share 0.16%, +0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +12.9pp vs listed-bank aggregate (share 0.14%, +0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp