Bengaluru-based Jana Small Finance Bank Ltd on Tuesday (April 29) reported a 61.6% year-on-year (YoY) decline in net profit at ₹123.4 crore for the fourth quarter that ended March 31, 2025. In the corresponding quarter of the previous fiscal, Jana Small Finance Bank posted a net profit of ₹321.6 crore.
Net interest income (NII), which is the difference between the interest income a bank earns from its lending activities and the interest it pays to depositors, was up 0.9%, coming at ₹597 crore against ₹591.8 crore in Q4FY24.
The gross non-performing asset (GNPA) stood at 2.71% in the fourth quarter against 2.80% in the third quarter. Net NPA (NNPA) was flat at 0.94% quarter-on-quarter.
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Total deposits rose to ₹29,120 crore, marking a 29% increase YoY. Within this, term deposits grew by 32%, while CASA deposits registered an 18% growth. The bank’s credit-to-deposit ratio improved significantly to 93.3% in FY25, compared to 102.4% in FY24.
Jana Small Finance Bank reported assets under management (AUM) of ₹29,545 crore for FY25, reflecting a 19% YoY growth. The secured loan portfolio now constitutes 70% of the total AUM, with secured assets growing by 40% during the year. In contrast, the unsecured loan book saw an 11% decline.
Profit before tax (PBT) stood at ₹474 crore after accelerated provisions of ₹305 crore. Despite the sharp rise in asset growth, the bank’s capital adequacy improved to 20.7%, with a tier-1 CRAR of 19.8%. Liquidity remained strong with a liquidity coverage ratio (LCR) of 253%.
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Ajay Kanwal, MD and CEO, Jana Small Finance Bank said, “With this year’s result, we have met the required conditions of GNPA of less than 3% and NNPA less than 1% for two consecutive years. Thus, we will be applying for a universal banking licence in this quarter.”
The results came after the close of the market hours. Shares of Jana Small Finance Bank Ltd ended at ₹521.45, up by ₹5.30, or 1.03%, on the BSE.
(Edited by : Shoma Bhattacharjee)
