Jana Small Finance Bank Limited — Q1FY27 Earnings Call Summary

JSFB · Q1FY27 · Filed 21 Jul 2026

Key Takeaways

• Q1 FY27 PAT at INR155 crore; NIM improved to 7.5% driven by lower cost of funds and reduced unsecured slippages
• Credit cost stable at 0.45%, expected to maintain through FY27
• Cost-to-income ratio expected to reduce to 63-65% range in FY27
• Loan growth guidance for FY27: 19-21%; deposit growth 23-25%; PAT growth above 80%
• CASA grew 7.1% Q-o-Q, targeting 20% CASA ratio for FY27
• Gold loan portfolio grew 13.5% Q-o-Q with LTV at 64%, no asset quality impact expected
• MFI portfolio stabilizing; FY27 growth target 10-12%
• Gross NPA at 2.24%, net NPA 0.85%, with 62.4% provision coverage
• Secured loans growing faster; unsecured book 80% under guarantee program
• New products launching Q2: Credit Line on UPI, loans against shares, and potential FCNR(B) offering

📄 Source: View original transcript (PDF)

Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.