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Jana Small Finance Bank Ltd (JSFB) is currently trading at 381.25 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Jana Small Finance Bank is a scheduled small finance bank providing retail and microfinance lending along with deposit products across a national network of branches, digital channels and business correspondents, focusing on secured loans (affordable housing, gold, vehicle, MSME) and unsecured micro and group loans delivered through a largely digital origination and collection framework. Q3 FY26 showed signs of stabilization with slippages and SMA levels materially down from Q1 peaks, GNPA easing to ~2.49% and SMA trending toward a projected 4.0% by Mar‑26, indicating that asset quality pressures have likely bottomed and credit cost should materially decline in Q4 and into FY27. The bank has materially restructured unsecured risk via a guarantee programme covering 62% of the unsecured book today (projected 72% by Mar‑26 and ~85% by Mar‑27), accepting near-term premium expense (Rs.51–70 crore) for expected future claim receipts (Rs.120–300 crore), which will improve credit cost and RoA once realized. Deposits and CASA have been a major strength: total deposits grew ~30% YoY to Rs.33,733 crore with CASA up 41% YoY to Rs.6,742 crore and CASA ratio at 20%, while cost of funds has eased to 7.7% with management expecting a further reduction to ~7.5% in Q4, supporting margin recovery. Digital and product expansion is broadening the franchise: high digital adoption (98%+ digital transactions, 99% loans digitally processed), new product launches (used car loans, credit line on UPI, iVAN), and a strategy to become an anchor bank through cross‑sell are positioning Jana to rebuild operating leverage as credit costs normalize.
Over the past 52 weeks, Jana Small Finance Bank Ltd has traded between a low of ₹339.00 and a high of ₹552.90. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Jana Small Finance Bank Ltd has a market capitalization of approximately 4,131.79. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Jana Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 12.95 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 4,131.79 Cr, Jana Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Jana Small Finance Bank Ltd operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Jana Small Finance Bank Ltd is 12.95. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
402.50 | 7,005 Cr | 11.22 | 1.55 | 0.00 | 13.23 | 6.99 | 1.49 | |
197.00 | 6,351 Cr | 9.02 | 1.10 | 0.67 | 11.77 | 7.38 | 0.89 | |
391.15 | 4,132 Cr | 13.28 | 0.97 | 0.00 | 7.19 | 7.02 | 1.49 | |
13.79 | 2,454 Cr | — | 0.74 | 0.00 | -40.10 | 2.36 | 0.09 | |
216.00 | 1,802 Cr | 25.12 | 2.39 | 0.00 | 8.82 | 4.73 | 2.43 | |
28.20 | 1,452 Cr | — | 0.83 | 0.00 | -21.28 | 4.87 | -1.94 | |
124.00 | 1,322 Cr | 19.25 | 0.66 | 0.00 | 3.44 | 6.56 | 0.84 |
Bearish
3
Neutral
7
Bullish
4
Bearish
29
Neutral
7
Bullish
10
Bearish
26
Neutral
0
Bullish
6
Jana Small Finance Bank is a scheduled small finance bank providing retail and microfinance lending along with deposit products across a national network of branches, digital channels and business correspondents, focusing on secured loans (affordable housing, gold, vehicle, MSME) and unsecured micro and group loans delivered through a largely digital origination and collection framework.
Q3 FY26 showed signs of stabilization with slippages and SMA levels materially down from Q1 peaks, GNPA easing to ~2.49% and SMA trending toward a projected 4.0% by Mar‑26, indicating that asset quality pressures have likely bottomed and credit cost should materially decline in Q4 and into FY27.
The bank has materially restructured unsecured risk via a guarantee programme covering 62% of the unsecured book today (projected 72% by Mar‑26 and ~85% by Mar‑27), accepting near-term premium expense (Rs.51–70 crore) for expected future claim receipts (Rs.120–300 crore), which will improve credit cost and RoA once realized.
Deposits and CASA have been a major strength: total deposits grew ~30% YoY to Rs.33,733 crore with CASA up 41% YoY to Rs.6,742 crore and CASA ratio at 20%, while cost of funds has eased to 7.7% with management expecting a further reduction to ~7.5% in Q4, supporting margin recovery.
Digital and product expansion is broadening the franchise: high digital adoption (98%+ digital transactions, 99% loans digitally processed), new product launches (used car loans, credit line on UPI, iVAN), and a strategy to become an anchor bank through cross‑sell are positioning Jana to rebuild operating leverage as credit costs normalize.
Banks
Banks - Private Sector
4,132 Cr
Low Risk
12.9
18.7
0.4
1.0
552.90
339.00
Sales CAGR
Profit CAGR
ROE
ROCE
