Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Interest Earned
3,510.51
2,901.96
2,204.91
Income On Investments
291.36
88.10
90.97
Interest On Balances With Rbi Other Inter Bank Funds
40.08
5.02
7.38
Interest / Discount On Advances / Bills
3,179.06
944.89
710.32
Others
0.02
1,863.95
1,396.24
Other Income
541.97
491.15
463.61
Total Income
4,052.50
3,393.11
2,668.52
Interest Expended
1,714.28
1,365.84
1,012.20
Net Interest Income
1,796.23
1,536.12
1,192.71
Total Expenditure (Excl Depreciation)
1,404.70
1,175.89
936.60
Employee Cost
883.22
244.50
200.70
Other Operating Expenses
521.48
931.39
735.90
Operating Profit Before Provisions and Contingencies
933.52
851.37
719.71
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
579.68
503.51
544.74
Profit Before Tax
353.84
347.86
174.97
Tax
-24.10
0.00
0.00
Profit After Tax
377.94
347.86
174.97
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
377.94
347.86
174.97
Face Value
10.0
10.0
10.0
Reserves
0.00
2,363.08
1,388.73
Diluted Earnings per share
10.49
14.84
20.58
Operating Profit Margin (Excl OI)
59.99%
59.48%
57.52%
Gross Profit Margin
0.0%
0.0%
0.0%
PAT Margin
10.77%
11.99%
7.94%
Net Interest Margin
7.3%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
CASA (%)
18.4%
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 (%)
66.94%
0.0%
0.0%
Amount of Gross NPAs
757.82
487.21
1,060.55
Amount of Net NPAs
250.51
156.41
584.93
% of Net NPAs
0.94%
0.71%
3.62%
% of Gross NPAs
2.8%
2.19%
6.38%
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
60.0
0.0
0.0
Number of Branches
778.0
0.0
0.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 20.97% vs 31.61% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is 8.65% vs 98.81% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 9.65% vs 18.29% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is 0.23% vs -2.91% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is 0.61% vs -4.19% in Dec 2023
Compare Nine Monthly Results Of Jana Small Finan With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
3,510.51
23,278.78
-19,768.27
-84.92%
Income On Investments
291.36
4,354.90
-4,063.54
-93.31%
Interest On Balances With Rbi Other Inter Bank Funds
40.08
291.40
-251.32
-86.25%
Interest / Discount On Advances / Bills
3,179.06
17,464.10
-14,285.04
-81.8%
Others
0.02
1,168.38
-1,168.36
-100.0%
Other Income
541.97
4,117.60
-3,575.63
-86.84%
Total Income
4,052.50
27,396.38
-23,343.88
-85.21%
Interest Expended
1,714.28
16,610.78
-14,896.50
-89.68%
Net Interest Income
1,796.23
6,668.00
-4,871.77
-73.06%
Total Expenditure (Excl Depreciation)
1,404.70
7,846.02
-6,441.32
-82.1%
Employee Cost
883.22
2,991.59
-2,108.37
-70.48%
Other Operating Expenses
521.48
4,854.43
-4,332.95
-89.26%
Operating Profit Before Provisions and Contingencies
933.52
2,939.58
-2,006.06
-68.24%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
579.68
767.55
-187.87
-24.48%
Profit Before Tax
353.84
2,172.03
-1,818.19
-83.71%
Tax
-24.10
504.29
-528.39
-104.78%
Profit After Tax
377.94
1,667.74
-1,289.80
-77.34%
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
377.94
1,667.74
-1,289.80
-77.34%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
10.77%
7.16%
0.00
3.61%
Net Interest Margin
7.30%
2.40%
4.90
4.90%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
18.40%
33.10%
-14.70
-14.70%
CASA Amount
0.00
91,650.00
-91,650.00
-100.0%
Capital Adequacy Ratio (Total)
0.00%
15.20%
-15.20
-15.20%
Capital Adequacy Ratio (Tier 1)
0.00%
12.59%
-12.59
-12.59%
Provision Coverage Ratio (%)
66.94%
71.20%
-4.26
-4.26%
Amount of Gross NPAs
757.82
3,963.47
-3,205.65
-80.88%
Amount of Net NPAs
250.51
1,142.62
-892.11
-78.08%
% of Net NPAs
0.94%
0.50%
0.44
0.44%
% of Gross NPAs
2.80%
1.60%
1.20
1.20%
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
60.00
1,326.00
-1,266.00
-95.48%
Number of Branches
778.00
1,247.00
-469.00
-37.61%
Nine Monthly - Interest Earned
Interest Earned 3510.51 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 20.97% vs 31.61% in Dec 2023
Nine Monthly - Net Profit
Net Profit 377.94 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 8.65% vs 98.81% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 933.52 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 9.65% vs 18.29% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.94%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is 0.23% vs -2.91% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.80%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is 0.61% vs -4.19% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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