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Jana Small Finance Bank

JSFB
Small Cap
(%) 1D
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No Data Available

1D1W1M3M6M1YMAX

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Jana Small Finance Bank Share price and Fundamental Analysis

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Jana Small Finance Bank Limited was incorporated as Janalakshmi Financial Services Private Limited' on July 24, 2006 by the RoC at Bengaluru, Karnataka as a Private Company. Subsequently, the Bank converted to a Public Company effective from August 10, 2015, and name of the Bank was changed to Janalakshmi Financial Services Limited', on September 18, 2015. Thereafter, it received final approval, dated April 28, 2017 from the RBI, to establish and carry on business as an SFB. Pursuant to resolutions passed by Board and Shareholders on May 30, 2017 and January 12, 2018 respectively, name of the Bank was changed from Janalakshmi Financial Services Limited' to Jana Small Finance Bank Limited', and a fresh Certificate of Incorporation dated January 29, 2018 was issued by the RoC consequent upon the change in name.
Company Incorporation2006
ChairmanS C Khuntia
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
5,458.34
PE Ratio
10.89
Industry P/E
17.17
PEG Ratio
-0.43
ROE
12.18%
ROCE
3.6%
ROA
1.49%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
47.68
Book Value & P/B
389.09 x 1.33
Face Value
10
Outstanding Shares(Cr)
10.52
Current Ratio
EV to Sales
7.22

Included In

+More

Stock Returns

1 Week+3.68%
1 Month+11.29%
6 Months+25.98%
1 Year-17.5%
3 Years+40.8%
5 Years+40.8%

CAGR

1 Year CAGR

Revenue Growth

+30.51%

Net Profit Growth

+161.57%

Financing Profit Growth

-68.44%

Dividend Growth

N/A

Stock Returns CAGR

-17.5%
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2.4
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Corporate Action

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Financials

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Mar 25

Promoters : 22.28%

FIIs : 0.89%

DIIs : 15.88%

Public : 60.94%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
FII Shareholding Increased by 0.39% to 0.89% in March 2025 Qtr
Promoter Shareholding Decreased by 0.07% to 22.28% in March 2025 Qtr
DII Shareholding Decreased by 2.58% to 15.88% in March 2025 Qtr

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Key Ratios

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ROE

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ROCE

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ROA

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NPM

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Dividend History

Jana Small Finance Bank Competitors

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5 Year FactSheet

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Jana Small Finance Bank Management and History

Company Management

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Company History

Jana Small Finance Bank Limited was incorporated as Janalakshmi Financial Services Private Limited' on July 24, 2006 by the RoC at Bengaluru, Karnataka as a Private Company. Subsequently, the Bank converted to a Public Company effective from August 10, 2015, and name of the Bank was changed to Janalakshmi Financial Services Limited', on September 18, 2015. Thereafter, it received final approval, dated April 28, 2017 from the RBI, to establish and carry on business as an SFB. Pursuant to resolutions passed by Board and Shareholders on May 30, 2017 and January 12, 2018 respectively, name of the Bank was changed from Janalakshmi Financial Services Limited' to Jana Small Finance Bank Limited', and a fresh Certificate of Incorporation dated January 29, 2018 was issued by the RoC consequent upon the change in name.

As a new age digitalised bank, the Bank offer a range of digital products, services and platforms, both on mobile and internet. All banking and payment transactions, such as remittances can be completed through these platforms. The core banking is supported by integrated multi-channel operations. The Bank is one of the top four SFBs in India in terms of AUM and deposit size and is having the second most geographically diversified portfolio with a pan-India presence.

The Bank has implemented technology solutions to execute cashless disbursement of loans. Their collections mechanism has also been digitized through the use of mobile applications. Apart from standard digital payment services, including NEFT, RTGS, IMPS, e-NACH/ NACH, it provide a UPI QR code-based EMI payment service.

The primary unsecured loan products are group loans as per the joint liability group (JLG) model), agricultural and allied loans, and individual and micro business loans. Its primary secured loan products are affordable housing loans, MSME loans, gold loans, loans against fixed deposits, term loans to NBFCs, two-wheeler loans, and micro housing loans.

In March 2008, the Bank was registered as an NBFC to commence the business of non-banking financial institution without accepting public deposits, which subsequently converted into a non-banking finance company-microfinance institution (NBFC-MFI) in September, 2013. The Bank later on received a final approval from the RBI to establish and carry on business as an SFB effective from April 28, 2017. It started operating as a Small Finance Bank (SFB) effective from March 28, 2018 and its name was included in the second schedule to the RBI Act on July 16, 2019 issued by the RBI.

The Bank introduced several new products and services since April 1, 2017, such as gold loans in year, 2018, affordable housing loans and loans against fixed deposits and distribution of insurance products as a corporate agent in 2019, term loans to NBFC and two-wheeler loan business in November, 2020. In April 2020, it launched 'DIGIGEN', an integrated, paperless and digital account opening and KYC process. As of February 28, 2021, Bank had 611 Branches of which 166 are Unbanked Rural Centers and 134 ATMs.

The Bank is planning to offer equity shares by raising capital of upto Rs. 700 crore through fresh issue and an offer for sale by issuing upto 9,253,659 equity shares through initial public offer.

Jana Small Finance Bank Share Price

Jana Small Finance Bank share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Jana Small Finance Bank Market Cap

Market capitalization of Jana Small Finance Bank indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Jana Small Finance Bank is valued compared to its competitors.

Jana Small Finance Bank PE Ratio

Jana Small Finance Bank PE ratio helps investors understand what is the market value of each stock compared to Jana Small Finance Bank 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Jana Small Finance Bank PEG Ratio

The PEG ratio of Jana Small Finance Bank evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Jana Small Finance Bank ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Jana Small Finance Bank generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Jana Small Finance Bank ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Jana Small Finance Bank in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Jana Small Finance Bank Total Debt

Total debt of Jana Small Finance Bank shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Jana Small Finance Bank Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Jana Small Finance Bank compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Jana Small Finance Bank CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Jana Small Finance Bank over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Jana Small Finance Bank Technical Analysis

Technical analysis of Jana Small Finance Bank helps investors get an insight into when they can enter or exit the stock. Key components of Jana Small Finance Bank Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Jana Small Finance Bank shares often struggle to rise above due to selling pressure.

Jana Small Finance Bank Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Jana Small Finance Bank ’s financial health and profitability.

Jana Small Finance Bank Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Jana Small Finance Bank Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Jana Small Finance Bank Financials

The financials of Jana Small Finance Bank provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Jana Small Finance Bank Profit and Loss Statements

The profit and loss statement of Jana Small Finance Bank highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Jana Small Finance Bank .

Jana Small Finance Bank Balance Sheet

The balance sheet presents a snapshot of Jana Small Finance Bank ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Jana Small Finance Bank Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

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