CreditBrief

What Jana Small Finance Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹38,752 crore (+6.8% since March).

Jana Small Finance BankSmall finance banks

₹36,289croreadvances, including loans sold or shared on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers32ndof 33 banks on CreditBrief, March 2026
Biggest segment26.3%Unsecured Advances, latest split (30 Sep 2026)
Share of the combined book0.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹36,289 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Jana Small Finance Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from unsecured advances down, and you get ₹36,289 crore. By 30 Sep 2026 it was ₹38,752 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

52%People and households₹20,178 croreAffordable HousingMicro LAPVehicle LoansGold Loans
20%Businesses₹7,796 croreMSME LoansTerm Loans To NBFCs

28% sits in lines the filing does not tie to either: Others (secured), Unsecured Advances.

Drilling down: what it lends against · 30 Sep 2026

  • Unsecured Advances₹10,209 crore26.3%
  • Affordable Housing₹8,977 crore23.2%
  • Micro LAP₹6,252 crore16.1%
  • MSME Loans₹5,749 crore14.8%
  • Gold Loans₹2,686 crore6.9%
  • Vehicle Loans₹2,263 crore5.8%
  • Term Loans To NBFCs₹2,047 crore5.3%
  • Others (secured)₹570 crore1.5%

Unsecured loans, mostly microfinance and individual loans, are not split further in the filing.

Sources: Jana Small Finance Bank Investor Presentation Q4 FY26, PDF page 8 ↗ for March 2026; Jana Small Finance Bank Q2 and H1 FY27 Investor Presentation, PDF page 9 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 24% a year since March 2022.

From ₹15,255 crore on 31 March 2022 to ₹36,289 crore on 31 March 2026, and ₹38,752 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights22 figures from 9 filings · each checked against its pageHow it works
Jana Small Finance Bank · loan book · 31 March 2026₹36,289crore+23% in FY2025-26₹38,752 crore by 30 Sep 2026
  1. 0124%a year since 2022Grew 24% a year from March 2022 to March 2026, faster than 28 of the 29 other banks with like-for-like figures for those years.
  2. 0223%in FY2025-26Growth picked up to 23% in FY2025-26, from 19% the year before.
  3. 0332ndamong peersHeld its place as the 32nd biggest of these 33 banks from March 2022 to March 2026.
Deposits₹35,784 crore+23% · in FY2025-26
Loans to deposits101.4%-0.0 pts · in FY2025-26
CASA ratio18.0%+0.0 pts · in FY2025-26
Branches682+7.6% · in FY2024-25
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · advances, including loans sold or shared15,25519,80824,74629,54536,28938,752
Deposits₹ crore13,53616,33422,57129,12035,78438,221
CASA ratio%22.5020.2019.7018.0018.0018.00
BranchesNumber551595634682

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Jana Small Finance Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Jana Small Finance Bank, Q2 FY2026-27: loan book ₹38,752 crore, +6.8% since March

  • ₹38,752 crore lent out by Q2 FY2026-27
  • Biggest segment: Unsecured Advances, 26% of the book
  • Every figure links to page 9 of its filing

Chapter 03 · Among its peers

32nd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 32Jana Small Finance Bank₹36,289 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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