Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Interest Earned
2,333.10
1,863.94
1,396.23
Income On Investments
203.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
24.18
0.00
0.00
Interest / Discount On Advances / Bills
2,105.91
0.00
0.00
Others
0.01
1,863.94
1,396.23
Other Income
364.57
351.63
293.39
Total Income
2,697.68
2,215.57
1,689.62
Interest Expended
1,129.45
876.31
644.36
Net Interest Income
1,203.65
987.63
751.87
Total Expenditure (Excl Depreciation)
913.80
783.16
610.60
Employee Cost
573.79
0.00
0.00
Other Operating Expenses
340.01
783.16
610.60
Operating Profit Before Provisions and Contingencies
654.43
556.10
434.65
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
405.93
342.88
379.02
Profit Before Tax
248.50
213.22
55.63
Tax
-18.78
0.00
0.00
Profit After Tax
267.28
213.22
55.63
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
267.28
213.22
55.63
Face Value
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
25.56
38.78
10.12
Diluted Earnings per share
25.29
29.45
9.76
Operating Profit Margin (Excl OI)
43.44%
39.59%
29.12%
Gross Profit Margin
10.65%
11.44%
3.98%
PAT Margin
11.46%
11.44%
3.98%
Net Interest Margin
7.8%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
CASA (%)
20.1%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
67.2%
0.0%
0.0%
Amount of Gross NPAs
754.65
0.00
0.00
Amount of Net NPAs
247.29
0.00
0.00
% of Net NPAs
0.99%
0.0%
0.0%
% of Gross NPAs
2.97%
0.0%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
Number of ATMs
61.0
0.0
0.0
Number of Branches
776.0
0.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 25.17% vs 33.5% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 25.35% vs 283.28% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 17.68% vs 27.94% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is 0.99% vs 0.00% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is 2.97% vs 0.00% in Sep 2023
Compare Half Yearly Results Of Jana Small Finan With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
2,333.10
15,449.64
-13,116.54
-84.9%
Income On Investments
203.00
2,938.08
-2,735.08
-93.09%
Interest On Balances With Rbi Other Inter Bank Funds
24.18
170.92
-146.74
-85.85%
Interest / Discount On Advances / Bills
2,105.91
11,559.18
-9,453.27
-81.78%
Others
0.01
781.46
-781.45
-100.0%
Other Income
364.57
2,605.59
-2,241.02
-86.01%
Total Income
2,697.68
18,055.23
-15,357.55
-85.06%
Interest Expended
1,129.45
11,005.16
-9,875.71
-89.74%
Net Interest Income
1,203.65
4,444.48
-3,240.83
-72.92%
Total Expenditure (Excl Depreciation)
913.80
5,189.51
-4,275.71
-82.39%
Employee Cost
573.79
1,987.72
-1,413.93
-71.13%
Other Operating Expenses
340.01
3,201.79
-2,861.78
-89.38%
Operating Profit Before Provisions and Contingencies
654.43
1,860.56
-1,206.13
-64.83%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
405.93
508.87
-102.94
-20.23%
Profit Before Tax
248.50
1,351.69
-1,103.19
-81.62%
Tax
-18.78
296.22
-315.00
-106.34%
Profit After Tax
267.28
1,055.47
-788.19
-74.68%
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
267.28
1,055.47
-788.19
-74.68%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
25.56
0.34
25.22
7417.65%
Diluted Earnings per share
25.29
0.34
24.95
7338.24%
Operating Profit Margin (Excl OI)
43.44%
63.12%
0.00
-19.68%
Gross Profit Margin
10.65%
8.75%
0.00
1.90%
PAT Margin
11.46%
6.83%
0.00
4.63%
Net Interest Margin
7.80%
0.00%
7.80
7.80%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
20.10%
32.00%
-11.90
-11.90%
CASA Amount
0.00
88,601.00
-88,601.00
-100.0%
Capital Adequacy Ratio (Total)
0.00%
15.60%
-15.60
-15.60%
Capital Adequacy Ratio (Tier 1)
0.00%
13.20%
-13.20
-13.20%
Provision Coverage Ratio (%)
67.20%
70.00%
-2.80
-2.80%
Amount of Gross NPAs
754.65
3,889.43
-3,134.78
-80.6%
Amount of Net NPAs
247.29
1,168.02
-920.73
-78.83%
% of Net NPAs
0.99%
1.60%
-0.61
-0.61%
% of Gross NPAs
2.97%
1.60%
1.37
1.37%
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
1,325.00
-1,264.00
-95.4%
Number of Branches
776.00
1,237.00
-461.00
-37.27%
Half Yearly - Interest Earned
Interest Earned 2333.1 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 25.17% vs 33.5% in Sep 2023
Half Yearly - Net Profit
Net Profit 267.28 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 25.35% vs 283.28% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 654.43 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 17.68% vs 27.94% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.99%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 0.99% vs 0.00% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 2.97%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 2.97% vs 0.00% in Sep 2023