Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
4,013.05
3,075.01
2,726.54
2,497.71
1,991.52
1,250.54
1,554.79
Income On Investments
349.03
0.00
0.00
0.00
0.00
0.00
96.43
Interest On Balances With Rbi Other Inter Bank Funds
47.94
0.00
0.00
0.00
0.00
0.00
40.15
Interest / Discount On Advances / Bills
3,616.03
0.00
0.00
0.00
0.00
0.00
1,418.15
Others
0.04
3,075.01
2,726.54
2,497.71
1,991.52
1,250.54
0.06
Other Income
671.01
624.86
323.76
235.08
433.25
117.73
42.26
Total Income
4,684.06
3,699.88
3,050.30
2,732.79
2,424.77
1,368.27
1,597.04
Interest Expended
1,885.90
1,414.99
1,336.75
1,234.58
980.16
813.63
1,163.89
Net Interest Income
2,127.15
1,660.02
1,389.79
1,263.13
1,011.36
436.91
390.90
Total Expenditure (Excl Depreciation)
1,604.84
1,284.51
1,138.82
1,047.31
1,164.08
1,131.19
1,455.30
Employee Cost
974.67
0.00
0.00
0.00
0.00
0.00
670.08
Other Operating Expenses
630.17
1,284.51
1,138.82
1,047.31
1,164.08
1,131.19
785.22
Operating Profit Before Provisions and Contingencies
1,193.31
1,000.37
574.73
450.90
280.53
-576.55
-1,022.15
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
678.96
744.40
569.32
366.59
250.40
1,372.51
1,389.00
Profit Before Tax
514.35
255.97
5.41
84.31
30.13
-1,949.06
-2,411.15
Tax
-155.19
0.00
0.00
0.00
0.00
0.00
92.66
Profit After Tax
669.54
255.97
5.41
84.31
30.13
-1,949.06
-2,503.81
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
669.54
255.97
5.41
84.31
30.13
-1,949.06
-2,503.81
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
3,461.91
1,472.28
999.29
926.15
842.79
476.48
1,489.53
Earnings per share (EPS)
64.02
46.56
1.05
4.2
1.5
-98.86
-637.26
Diluted Earnings per share
90.72
42.64
0.99
15.61
5.9
-471.84
-787.88
Operating Profit Margin (Excl OI)
43.09%
34.02%
37.35%
43.39%
28.97%
-100.21%
-82.94%
Gross Profit Margin
12.82%
8.32%
0.2%
3.38%
1.51%
-155.86%
-155.08%
PAT Margin
16.68%
8.32%
0.2%
3.38%
1.51%
-155.86%
-161.04%
Net Interest Margin
8.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
19.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
73.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
494.33
0.00
0.00
0.00
0.00
0.00
3,182.83
Amount of Net NPAs
130.02
0.00
0.00
0.00
0.00
0.00
1,671.32
% of Net NPAs
0.56%
0.0%
0.0%
0.0%
1.3%
4.4%
27.72%
% of Gross NPAs
2.11%
0.0%
0.0%
0.0%
2.8%
8.1%
42.21%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
61.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
297.0
0.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 30.51% vs 12.78% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 161.57% vs 4,631.42% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 19.29% vs 74.06% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is 0.56% vs 0.00% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is 2.11% vs 0.00% in Mar 2023
Compare Annual Results Of Jana Small Finan With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
4,013.05
27,585.94
-23,572.89
-85.45%
Income On Investments
349.03
4,958.26
-4,609.23
-92.96%
Interest On Balances With Rbi Other Inter Bank Funds
47.94
458.40
-410.46
-89.54%
Interest / Discount On Advances / Bills
3,616.03
21,087.49
-17,471.46
-82.85%
Others
0.04
1,081.79
-1,081.75
-100.0%
Other Income
671.01
5,114.30
-4,443.29
-86.88%
Total Income
4,684.06
32,700.24
-28,016.18
-85.68%
Interest Expended
1,885.90
19,491.32
-17,605.42
-90.32%
Net Interest Income
2,127.15
8,094.62
-5,967.47
-73.72%
Total Expenditure (Excl Depreciation)
1,604.84
9,822.66
-8,217.82
-83.66%
Employee Cost
974.67
3,774.28
-2,799.61
-74.18%
Other Operating Expenses
630.17
6,048.38
-5,418.21
-89.58%
Operating Profit Before Provisions and Contingencies
1,193.31
3,386.26
-2,192.95
-64.76%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
678.96
1,886.28
-1,207.32
-64.01%
Profit Before Tax
514.35
1,499.98
-985.63
-65.71%
Tax
-155.19
248.90
-404.09
-162.35%
Profit After Tax
669.54
1,251.08
-581.54
-46.48%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
669.54
1,251.08
-581.54
-46.48%
Face Value
10.00
2.00
0.00
Reserves
3,461.91
35,443.42
-31,981.51
-90.23%
Earnings per share (EPS)
64.02
0.43
63.59
14788.37%
Diluted Earnings per share
90.72
0.43
90.29
20997.67%
Operating Profit Margin (Excl OI)
43.09%
57.55%
0.00
-14.46%
Gross Profit Margin
12.82%
5.44%
0.00
7.38%
PAT Margin
16.68%
4.54%
0.00
12.14%
Net Interest Margin
8.00%
2.40%
5.60
5.60%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
19.70%
30.90%
-11.20
-11.20%
CASA Amount
0.00
82,317.00
-82,317.00
-100.0%
Capital Adequacy Ratio (Total)
0.00%
15.40%
-15.40
-15.40%
Capital Adequacy Ratio (Tier 1)
0.00%
12.20%
-12.20
-12.20%
Provision Coverage Ratio (%)
73.70%
79.30%
-5.60
-5.60%
Amount of Gross NPAs
494.33
3,982.56
-3,488.23
-87.59%
Amount of Net NPAs
130.02
1,329.73
-1,199.71
-90.22%
% of Net NPAs
0.56%
0.60%
-0.04
-0.04%
% of Gross NPAs
2.11%
1.70%
0.41
0.41%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
61.00
1,290.00
-1,229.00
-95.27%
Number of Branches
297.00
1,234.00
-937.00
-75.93%
Annual - Interest Earned
Interest Earned 4013.05 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 30.51% vs 12.78% in Mar 2023
Annual - Net Profit
Net Profit 669.54 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 161.57% vs 4,631.42% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,193.31 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 19.29% vs 74.06% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 0.56%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 0.56% vs 0.00% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 2.11%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 2.11% vs 0.00% in Mar 2023