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 how strategically is Jana Small Finance Bank's equity deployed to assess the company's strategic physical and investment asset allocation.
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. See working capital position of Jana Small Finance Bank to evaluate short-term liquidity relative to the company's equity base.
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 JSFB market cap.
| 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 | — |