What we do Jana Small Finance Bank Ltd is an Indian small finance bank offering deposits and diversified secured and unsecured loans with a digital-first approach, focusing on financial inclusion and microenterprises. |
Founded in 2,006 |
Market share One of the leading small finance banks in India with a strong rural and semi-urban presence and significant secured loan portfolio growth. |
Problem solved Enables financial inclusion by providing accessible banking and credit to underserved micro, agricultural, MSME, and housing loan segments. |
Top clients or who we serve B2C customers including micro business, agricultural, women groups, affordable housing, and MSME sectors across 23 states in India. |
Key management Ajay Kanwal (MD & CEO), K. S. Raman (Executive Director), supported by an experienced board with diverse financial service expertise. |
Our journey and innovations Started as NBFC in 2006, converted to small finance bank in 2017, introduced digital loan disbursement, affordable housing loans, two-wheeler loans, and paperless account opening. |
Where we operate Operates in 23 Indian states and 2 union territories with 802 branches as of March 2025. |
Top products or what we offer Secured loans like affordable housing, MSME, gold loans; unsecured microloans; term loans to NBFCs; deposits including savings and term deposits. |
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Recurring vs cyclical contribution Major revenue from recurring interest income on loans and fee income, typical of banking sector. |
Our industry position Strong position among Small Finance Banks with growing secured loan portfolio nearing 70% of advances and expanding deposit base. |
Financial highlights FY25 revenue Rs 4709.79 crores, PAT Rs 501 crores; Advances grew 19.4% to Rs 29,545 crores; Deposits grew 29% to Rs 29,120 crores. |
Geographical revenue split Revenue primarily from retail and corporate banking across 23 states and 2 union territories of India. |
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Whats driving growth Digital transformation, secured loan growth, deposit expansion, expanded product offerings, and financial inclusion drive growth. |
Our future plans Focus on increasing secured advances to 80%, expanding digital channels and branch network, and reapplying for universal banking licence. |
Our green promise Focus on ESG not explicitly stated; bank undertakes CSR projects amounting to over Rs 5 crore annually. |
Our people and values 25,000+ employees with emphasis on inclusion and gender diversity; regular employee training and performance evaluations. |
Key challenges ahead Managing asset quality amid growth, reducing NPA levels, sustaining profitability, and navigating regulatory changes. |
Interesting facts One of the highest digital adoption rates among small finance banks; multiple industry awards for digital and CSR excellence. |
Risks and strategy Credit risk mitigated via increased secured lending and guarantee schemes; ongoing monitoring and provisioning policies in place. |
