Jana Small Finance Bank Ltd

Jana Small Finance Bank Limited was incorporated as Janalakshmi Financial Services Private Limited on July 24 2006 by the RoC at Bengaluru Karnataka as a Private Company. Subsequently the Bank converted to a Public Company effective from August 10 2015 and name of the Bank was changed to Janalakshmi Financial Services Limited on September 18 2015. Thereafter it received final approval dated April 28 2017 from the RBI to establish and carry on business as an SFB. Pursuant to resolutions passed by Board and Shareholders on May 30 2017 and January 12 2018 respectively name of the Bank was changed from Janalakshmi Financial Services Limited to Jana Small Finance Bank Limited and a fresh Certificate of Incorporation dated January 29 2018 was issued by the RoC consequent upon the change in name. As a new age digitalised bank the Bank offer a range of digital products services and platforms both on mobile and internet. All banking and payment transactions such as remittances can be completed through these platforms. The core banking is supported by integrated multichannel operations. The Bank is one of the top four SFBs in India in terms of AUM and deposit size and is having the second most geographically diversified portfolio with a panIndia presence.The Bank has implemented technology solutions to execute cashless disbursement of loans. Their collections mechanism has also been digitized through the use of mobile applications. Apart from standard digital payment services including NEFT RTGS IMPS eNACH/ NACH it provide a UPI QR codebased EMI payment service. The primary unsecured loan products are group loans as per the joint liability group JLG model agricultural and allied loans and individual and micro business loans. Its primary secured loan products are affordable housing loans MSME loans gold loans loans against fixed deposits term loans to NBFCs twowheeler loans and micro housing loans. In March 2008 the Bank was registered as an NBFC to commence the business of nonbanking financial institution without accepting public deposits which subsequently converted into a nonbanking finance companymicrofinance institution NBFCMFI in September 2013. The Bank later on received a final approval from the RBI to establish and carry on business as an SFB effective from April 28 2017. It started operating as a Small Finance Bank SFB effective from March 28 2018 and its name was included in the second schedule to the RBI Act on July 16 2019 issued by the RBI.The Bank introduced several new products and services since April 1 2017 such as gold loans in year 2018 affordable housing loans and loans against fixed deposits and distribution of insurance products as a corporate agent in 2019 term loans to NBFC and twowheeler loan business in November 2020. In April 2020 it launched DIGIGEN an integrated paperless and digital account opening and KYC process. As of February 28 2021 Bank had 611 Branches of which 166 are Unbanked Rural Centers and 134 ATMs. The Bank is planning to offer equity shares by raising capital of upto Rs. 700 crore through fresh issue and an offer for sale by issuing upto 9253659 equity shares through initial public offer..

Revenue: ₹1,741.45Cr as on June 2026 (Q1 FY27)
Net Profit: ₹0.00Cr as on June 2026 (Q1 FY27)
Listing date: 14 Feb, 2024
Chairperson Name: S C Khuntia