Jana Small Finance Bank Q2 FY27 results on Oct 23, 2026

Key update: board meeting set for 23 October 2026

Jana Small Finance Bank Limited (JSFB) has scheduled its upcoming earnings announcement for Q2 FY26-27 (Q2 FY27) on 23 October 2026. The date is positioned as the next key event for investors tracking quarterly trends in profitability, asset quality, and funding costs.

The bank’s last earnings date was 15 July 2026 for Q1 FY26-27 (quarter ended 30 June 2026). That quarter’s performance and management commentary now form the base for expectations ahead of the October board meeting.

Earnings calendar: last and upcoming result dates

The disclosed timeline points to a clear sequence of updates across quarters. Q1 FY27 numbers were taken up by the board in mid-July, and Q2 FY27 will be considered in late October.

Some disclosures also note that results for the July to September 2026 quarter are due by 14 November 2026 under the typical publication window, but the bank’s board meeting is scheduled for 23 October 2026.

What the latest quarter showed (Q1 FY27)

For the April to June 2026 quarter, Jana Small Finance Bank reported total income of ₹1,515 crore, up 22.1% from ₹1,241 crore a year earlier. Net profit for the quarter came in at ₹155 crore, up 52.0% from ₹102 crore.

The bank’s Q1 FY27 earnings per share (EPS) was reported at ₹14.74, compared with ₹9.69 in Q1 FY26. Net income was stated as ₹1.55 billion, which corresponds to ₹155 crore.

Operationally, the bank reported net interest income of ₹782 crore, up 31.1% year-on-year and 6.3% quarter-on-quarter. A net interest margin (NIM) of 7.50% was also highlighted as the highest since March 2025.

Interest earned and other reported line items

The dataset also shows interest earned at ₹1,514 crore for the period referenced, with 4.84% QoQ growth and 21.15% YoY growth. Gross profit was listed as ₹333 crore (with no further breakdown provided in the source text).

These line items matter because they help frame the bank’s core earnings trajectory going into the October 2026 result event, especially for a lender where interest income trends can heavily influence quarterly profitability.

Asset quality snapshot mentioned in Q1 commentary

Alongside profitability, the Q1 FY27 update referenced improvement in the gross non-performing asset (NPA) ratio to 2.39%, from 2.46% in the previous quarter. The bank’s commentary positioned this as a sign of improving asset quality.

While Q2 FY27 numbers will provide the next data point, the disclosed Q1 movement sets a measurable baseline for any further changes in delinquencies and credit costs.

Management guidance shared on the 15 July 2026 call

Jana Small Finance Bank held its results call on 15 July 2026. Management guidance included gross loan growth of 19% to 21% and deposit growth of 23% to 25% for FY27.

The bank also guided for profit growth of 80%+ and said the cost of funds was stabilising at 7.3% to 7.4% for FY27, with unlikely further declines. On operating efficiency, management aimed for a cost-to-income ratio in the 63% to 65% range, versus 67% at the time of the update, citing nominal expense growth and operating leverage.

On portfolio mix and funding, management commentary included microfinance institution (MFI) portfolio growth of 10% to 12% for FY27, with slippages expected to be flattish in Q2 and then modestly declining in Q3 to Q4. It also referenced a CASA ratio that was approaching a 20% goal for the year.

FY26 audited results: profitability and capital metrics

Separately, the bank’s board met on 29 April 2026 to approve audited financial results for the fiscal year ended 31 March 2026 (FY26). Jana Small Finance Bank reported net profit of ₹326.43 crore and net worth of ₹4,215.50 crore.

The capital adequacy ratio (CAR) was reported at 19.38%. These audited figures provide context for how quarterly movements in FY27 are building off FY26’s balance sheet and capital position.

Long-term financial trend from annual disclosures

The annual financial table shows revenue rising over time, including ₹4,684 crore in FY24, ₹5,447 crore in FY25, and ₹6,375 crore in FY26. The trailing twelve months (TTM) revenue was shown at ₹6,622 crore.

Interest expense (labelled as “Interest”) also increased across the period, including ₹2,317 crore in FY25, ₹2,760 crore in FY26, and ₹2,837 crore in TTM. Profit before tax (PBT) for FY26 was reported at ₹326 crore, and the TTM PBT was reported at ₹380 crore.

Share price levels around earlier result announcements

Disclosed corporate action data also provides reference points for the stock price around quarterly result announcements. For the 23 October 2026 result announcement record, the last traded price (LTP) at announcement was ₹489.35 and LTP at record day was ₹418.15.

Earlier entries show LTP at ₹468.90 on 29 April 2026 with ₹491.65 at record day, and ₹373.70 on 06 February 2026 with ₹346.10 at record day. These are snapshots rather than full-period performance, but they highlight that price moves around results have varied across quarters.

Key facts table

Annual trend table (selected years)

Market impact: what the October date means for investors

The confirmed 23 October 2026 date gives markets a fixed point for the next update on earnings momentum after a strong year-on-year rise in Q1 FY27 profit. Investors will likely use the Q2 release to track whether growth in net interest income and margins remains consistent with the guidance shared in July.

The disclosed LTP snapshots around past announcements indicate that the stock has not moved in a single direction around results, reinforcing that the market reaction has depended on the full set of reported metrics rather than headline profit alone.

Analysis: why Q2 FY27 is a key check-in

Q1 FY27 combined higher income, higher profit, and a stated improvement in gross NPA ratio. The Q2 FY27 numbers will help validate whether that combination is holding as the year progresses, especially given management’s commentary on cost of funds stabilisation and cost-to-income targets.

The annual trend data also shows rising revenue and interest expense over time, which makes quarterly disclosures important for understanding spreads, operating leverage, and credit costs in real time. In that context, the board meeting on 23 October 2026 becomes the next important milestone for updated, company-reported figures.

Conclusion

Jana Small Finance Bank is scheduled to announce its Q2 FY27 results on 23 October 2026, following Q1 FY27 net profit of ₹155 crore and total income of ₹1,515 crore. The October update will also be read alongside FY26 audited figures, including net profit of ₹326.43 crore, net worth of ₹4,215.50 crore, and CAR of 19.38%.

Investors will be watching the Q2 release for updated profitability, margin and asset-quality metrics, and for any refreshed commentary aligned with the guidance discussed on the 15 July 2026 management call.