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). Also explore net asset momentum of Jana Small Finance Bank to track the company's year-over-year net asset growth rate.
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. Check Jana Small Finance Bank strategic capital allocation to assess the company's strategic physical and investment asset allocation.
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. For the full company profile including market capitalisation, see how much is Jana Small Finance Bank worth.
| 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 | — |