Jana Small Finance Bank (JSFB) — Financial Flexibility Index
Jana Small Finance Bank (JSFB) has a Financial Flexibility Index of -0.07x as of September 2025. Free cash flow of Rs-25.28 Billion (operating CF Rs-25.70 Billion minus capex Rs423.38 Million) represents 0% of total liabilities (Rs378.73 Billion). Check JSFB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Jana Small Finance Bank Financial Flexibility Index (2013–2025)
Historical Financial Flexibility Index trend for Jana Small Finance Bank across 13 annual periods. For the full cash flow conversion analysis, see Jana Small Finance Bank cash flow conversion.
Annual Financial Flexibility Index for Jana Small Finance Bank (2013–2025)
Year-by-year free cash flow to debt coverage for Jana Small Finance Bank. Explore Jana Small Finance Bank (JSFB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | Rs7.16 Billion | Rs5.94 Billion | Rs429.78 Billion | ▲ +123.8% |
| 2024 | -0.07x | Rs-24.02 Billion | Rs-24.75 Billion | Rs343.45 Billion | ▼ -359.9% |
| 2023 | 0.03x | Rs7.84 Billion | Rs7.07 Billion | Rs291.33 Billion | ▲ +116.4% |
| 2022 | -0.16x | Rs-39.09 Billion | Rs-39.35 Billion | Rs238.46 Billion | ▼ -446.0% |
| 2021 | 0.05x | Rs8.99 Billion | Rs8.59 Billion | Rs189.88 Billion | ▲ +29.3% |
| 2020 | 0.04x | Rs6.58 Billion | Rs6.15 Billion | Rs179.64 Billion | ▼ -50.5% |
| 2019 | 0.07x | Rs9.70 Billion | Rs9.49 Billion | Rs131.01 Billion | ▼ -77.0% |
| 2018 | 0.32x | Rs28.26 Billion | Rs27.71 Billion | Rs87.73 Billion | ▲ +53.3% |
| 2017 | 0.21x | Rs17.27 Billion | Rs14.57 Billion | Rs82.20 Billion | ▲ +219.1% |
| 2016 | -0.18x | Rs-22.34 Billion | Rs-24.16 Billion | Rs126.56 Billion | ▲ +63.3% |
| 2015 | -0.48x | Rs-48.96 Billion | Rs-49.68 Billion | Rs101.92 Billion | ▼ -9.5% |
| 2014 | -0.44x | Rs-17.24 Billion | Rs-17.84 Billion | Rs39.28 Billion | ▲ +12.1% |
| 2013 | -0.50x | Rs-9.97 Billion | Rs-10.27 Billion | Rs19.97 Billion | — |