Jana Small Finance Bank Q4 FY25 Results: Net Profit Declines 62% YoY, Interest Income Grows 8%

Jana Small Finance Bank declared its financial results for the January to March quarter (Q4) of the financial year 2024–25 on Tuesday, April 29. The bank reported a 62% decrease in its net profit, which fell to ₹123.47 crore, compared to ₹321.67 crore in the same quarter last year.

Despite this sharp decline in profit, the bank saw a rise in interest income, which went up by nearly 8% to ₹1,999.27 crore during the quarter. In comparison, the interest income was ₹1,111.84 crore in Q4 of the previous financial year.

Provisions Marginally Lower in Q4FY25

For the January–March 2025 quarter, the bank’s provisions — which are funds set aside to cover potential bad loans — stood at ₹173 crore, showing a small drop of 1.38% from ₹175.44 crore in the same period a year ago.

Banks usually reduce their provisioning when they expect fewer defaults or a drop in the number of non-performing loans. This suggests that Jana Small Finance Bank may have a more stable outlook on its loan book performance in the upcoming quarters.

Read More, Nifty Weekly Expiry Today: RBL Bank Under F&O Ban on April 30.

Rise in Non-Performing Assets (NPAs)

However, the asset quality of the bank showed some weakness during the quarter. The bank’s Gross Non-Performing Assets (GNPA) ratio increased by 60 basis points to reach 2.71% in Q4FY25, up from 2.11% in the corresponding period last year.

Similarly, Net NPA rose to 0.94%, an increase of 38 basis points from 0.56% in the same quarter of the previous financial year. This increase in both gross and net NPAs indicates a rise in stressed assets, which may be a concern for the bank’s credit health going forward.

Strong Gains Since Listing

Jana Small Finance Bank share price has delivered a strong performance in the stock market since it got listed in February 2024. The bank’s stock has returned over 20% to investors since the listing date.

Below are some recent performance statistics:

• The stock has declined over 19% over the last one year.

• On a year-to-date (YTD) basis for 2025, shares are up 20.11%.

• In the last one-month period, the stock has increased 17.08%.

52-Week High and Low

According to data from the Bombay Stock Exchange (BSE), Jana Small Finance Bank shares hit a 52-week high of ₹760.85 on June 19, 2024, and a 52-week low of ₹364 on January 21, 2025. This shows high volatility in the stock price over the last year.

Share Price Movement

On April 30, at 9:32 am IST, Jana Small Finance Bank share price were trading at ₹485.00, down by ₹40.65 or 7.73% for the day. The stock opened at ₹501.00 and has touched a high of ₹503.00 and a low of ₹480.15 so far in the session. The company’s market capitalisation stood at ₹5,100 crore, with a price-to-earnings (P/E) ratio of 7.29. 

Conclusion

While Jana Small Finance Bank reported a sharp drop in net profit and a rise in NPAs for Q4 FY25, its stock performance remains resilient. The consistent growth in interest income and moderate provisioning hint at cautious optimism from the bank. Investor confidence is also evident in its steady post-listing rally. However, rising NPAs could pose challenges, and sustained asset quality will be key to its future growth trajectory.

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