# Jana Small Finance Bank > Small finance banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/jana ## Loan book - ₹36,289 crore on 31 March 2026, the end of FY2025-26 (Advances, including loans sold or shared). - ₹38,752 crore on 30 Sep 2026, the latest half-year balance. - Source: Jana Small Finance Bank Investor Presentation Q4 FY26, PDF page 8: https://nsearchives.nseindia.com/corporate/sanath_rao_janabank_com_29042026165319_IP.pdf ## Findings - Grew 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. - Growth picked up to 23% in FY2025-26, from 19% the year before. - Held its place as the 32nd biggest of these 33 banks from March 2022 to March 2026. ## What it lends against (30 Sep 2026) - Unsecured Advances: ₹10,209 crore (26.3%) - Affordable Housing: ₹8,977 crore (23.2%) - Micro LAP: ₹6,252 crore (16.1%) - MSME Loans: ₹5,749 crore (14.8%) - Gold Loans: ₹2,686 crore (6.9%) - Vehicle Loans: ₹2,263 crore (5.8%) - Term Loans To NBFCs: ₹2,047 crore (5.3%) - Others (secured): ₹570 crore (1.5%) Source: Jana Small Finance Bank Q2 and H1 FY27 Investor Presentation, PDF page 9: https://nsearchives.nseindia.com/corporate/sanath_rao_janabank_com_23102026154526_Binder1.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 15,255 | 19,808 | 24,746 | 29,545 | 36,289 | 38,752 | | Deposits (₹ crore) | 13,536 | 16,334 | 22,571 | 29,120 | 35,784 | 38,221 | | CASA ratio (%) | 22.50 | 20.20 | 19.70 | 18.00 | 18.00 | 18.00 | | Branches (Number) | 551 | 595 | 634 | 682 | | | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "AUM 12,770 15,255 19,808 24,746" (Jana Small Finance Bank Investor Presentation Q4 FY24, PDF page 20) https://nsearchives.nseindia.com/corporate/JSFB_29042024162320_InvestorPresentation2024.pdf - Loan book, FY2022-23 (31 Mar 2023): "AUM 12,770 15,255 19,808 24,746" (Jana Small Finance Bank Investor Presentation Q4 FY24, PDF page 20) https://nsearchives.nseindia.com/corporate/JSFB_29042024162320_InvestorPresentation2024.pdf - Loan book, FY2023-24 (31 Mar 2024): "Rs. 24,746 Crs / 24.9%" (Jana Small Finance Bank Investor Presentation Q4 FY24, PDF page 3) https://nsearchives.nseindia.com/corporate/JSFB_29042024162320_InvestorPresentation2024.pdf - Loan book, FY2024-25 (31 Mar 2025): "AUM at Rs. 29,545 Crs" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 5) https://nsearchives.nseindia.com/corporate/sanath_rao_janabank_com_29042025170848_IP.pdf - Loan book, FY2025-26 (31 Mar 2026): "to Rs. 36,289 Crs" (Jana Small Finance Bank Investor Presentation Q4 FY26, PDF page 8) https://nsearchives.nseindia.com/corporate/sanath_rao_janabank_com_29042026165319_IP.pdf - Loan book, 30 Sep 2026: "to Rs. 38,752 Crs" (Jana Small Finance Bank Q2 and H1 FY27 Investor Presentation, PDF page 9) https://nsearchives.nseindia.com/corporate/sanath_rao_janabank_com_23102026154526_Binder1.pdf - Deposits, FY2021-22 (31 Mar 2022): "13,536" (Jana Small Finance Bank Investors and Analysts Presentation Q4 FY24, PDF page 12) https://www.janabank.com/images/PDF/investor-presentation/Investors-&-Analysts-Presentation-30th-Apr-2024.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 22,571.25 16,334.02" (Jana Small Finance Bank Annual Report 2023-24, PDF page 59) https://www.janabank.com/images/PDF/Annual-Report-2023-24.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 22,571.25 16,334.02" (Jana Small Finance Bank Annual Report 2023-24, PDF page 59) https://www.janabank.com/images/PDF/Annual-Report-2023-24.pdf - Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 29,120 25,865 22,571" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 17) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 35,784 33,733 29,120" (Jana Small Finance Bank Investor Presentation Q4 FY26, PDF page 14) https://www.janabank.com/images/financial-reports/JSFB_Investor-Presentation_Q4FY26.pdf - Deposits, 30 Sep 2026: "Total Deposits 38,221 35,756 32,532" (Jana Small Finance Bank Investor Presentation Q2 FY27, PDF page 13) https://www.janabank.com/images/financial-reports/JSFB_Investor_Presentation_Q2_FY27.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "22.5%" (Jana Small Finance Bank Investors and Analysts Presentation Q4 FY24, PDF page 12) https://www.janabank.com/images/PDF/investor-presentation/Investors-&-Analysts-Presentation-30th-Apr-2024.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "20.2%" (Jana Small Finance Bank Investors and Analysts Presentation Q4 FY24, PDF page 12) https://www.janabank.com/images/PDF/investor-presentation/Investors-&-Analysts-Presentation-30th-Apr-2024.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA Ratio (%) 19.7% 18.0%" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 7) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA Ratio (%) 19.7% 18.0%" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 7) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA ratio at 18%" (Jana Small Finance Bank Investor Presentation Q4 FY26, PDF page 13) https://www.janabank.com/images/financial-reports/JSFB_Investor-Presentation_Q4FY26.pdf - CASA ratio, 30 Sep 2026: "CASA ratio at 18%" (Jana Small Finance Bank Investor Presentation Q2 FY27, PDF page 12) https://www.janabank.com/images/financial-reports/JSFB_Investor_Presentation_Q2_FY27.pdf - Branches, FY2021-22 (31 Mar 2022): "551 595" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 10) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - Branches, FY2022-23 (31 Mar 2023): "551 595" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 10) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - Branches, FY2023-24 (31 Mar 2024): "634 682" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 10) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf - Branches, FY2024-25 (31 Mar 2025): "634 682" (Jana Small Finance Bank Investor Presentation Q4 FY25, PDF page 10) https://www.janabank.com/images/JSFB_Investor_Presentation_Q4%20FY25_29_April_2025.pdf CreditBrief is independent and not linked to any lender. 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