Jana Small Finance Bank Limited — Q1FY27 earnings call summary

Filed 21 July 2026 · Official transcript

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