Jana Small Finance Bank (JSFB) - Net Assets

Latest as of December 2025: Rs43.25 Billion INR ≈ $467.73 Million USD

Based on the latest financial reports, Jana Small Finance Bank (JSFB) has net assets worth Rs43.25 Billion INR (≈ $467.73 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs433.22 Billion ≈ $4.69 Billion USD) and total liabilities (Rs389.97 Billion ≈ $4.22 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read how much debt does Jana Small Finance Bank carry for a breakdown of total debt and financial obligations.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs43.25 Billion
% of Total Assets	9.98%
Annual Growth Rate	20.83%
5-Year Change	269.42%
10-Year Change	235.26%
Growth Volatility	51.71

Jana Small Finance Bank - Net Assets Trend (2013–2024)

This chart illustrates how Jana Small Finance Bank's net assets have evolved over time, based on quarterly financial data. Also explore how large is Jana Small Finance Bank's balance sheet for the complete picture of this company's asset base.

Annual Net Assets for Jana Small Finance Bank (2013–2024)

The table below shows the annual net assets of Jana Small Finance Bank from 2013 to 2024. For live valuation and market cap data, see market cap of Jana Small Finance Bank.

Year	Net Assets	Change
2024-09-30	Rs41.18 Billion ≈ $445.38 Million	+15.13%
2023-09-30	Rs35.77 Billion ≈ $386.85 Million	+99.03%
2022-09-30	Rs17.97 Billion ≈ $194.37 Million	+49.68%
2021-09-30	Rs12.01 Billion ≈ $129.85 Million	+7.70%
2020-09-30	Rs11.15 Billion ≈ $120.56 Million	+6.83%
2019-09-30	Rs10.44 Billion ≈ $112.85 Million	+54.90%
2018-09-30	Rs6.74 Billion ≈ $72.85 Million	-55.94%
2017-09-30	Rs15.29 Billion ≈ $165.34 Million	-36.21%
2016-09-30	Rs23.97 Billion ≈ $259.19 Million	+95.10%
2015-09-30	Rs12.28 Billion ≈ $132.85 Million	+14.45%
2014-09-30	Rs10.73 Billion ≈ $116.08 Million	+108.83%
2013-09-30	Rs5.14 Billion ≈ $55.58 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Jana Small Finance Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have decreased by 5728.2% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (September 2024)

Component	Amount	Percentage
Common Stock	Rs1.05 Billion	2.55%
Other Comprehensive Income	Rs6.30 Billion	15.30%
Other Components	Rs64.41 Billion	156.41%
Total Equity	Rs41.18 Billion	100.00%

Jana Small Finance Bank Competitors by Market Cap

The table below lists competitors of Jana Small Finance Bank ranked by their market capitalization.

Company	Market Cap
Zhejiang Tiantai Xianghe Industrial Co Ltd SHG:603500	$521.55 Million
Yantai Longyuan Power Tech SHE:300105	$521.57 Million
Third Coast Bancshares, Inc. NASDAQ:TCBX	$521.86 Million
Vinh Hoan Corp VN:VHC	$521.90 Million
Electra Co Pr TA:ECP	$521.28 Million
Jiangsu Rutong Petro-Machinery SHG:603036	$520.91 Million
Hainan Shuangcheng Pharmaceut SHE:002693	$520.65 Million
Anhui Xinbo Aluminum Co Ltd SHE:003038	$520.64 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Jana Small Finance Bank's equity between the two most recent reporting periods.

Equity Growth Insights

From 2023 to 2024, total equity changed from 35,770,988,000 to 41,183,457,000, a change of 5,412,469,000 (15.1%).
Net income of 5,014,187,000 contributed positively to equity growth.
New share issuances of 132,017,000 increased equity.
Other comprehensive income increased equity by 1,525,492,000.
Other factors decreased equity by 1,259,227,000.

Equity Change Factors (2023 to 2024)

Factor	Impact	Contribution
Net Income	Rs5.01 Billion	+12.18%
Share Issuances	Rs132.02 Million	+0.32%
Other Comprehensive Income	Rs1.53 Billion	+3.7%
Other Changes	Rs-1.26 Billion	-3.06%
Total Change	Rs-	15.13%

Book Value vs Market Value Analysis

This analysis compares Jana Small Finance Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.17x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2013-09-30	Rs390.11	Rs458.15	x
2014-09-30	Rs601.04	Rs458.15	x
2015-09-30	Rs568.37	Rs458.15	x
2016-09-30	Rs878.84	Rs458.15	x
2017-09-30	Rs481.08	Rs458.15	x
2018-09-30	Rs170.68	Rs458.15	x
2019-09-30	Rs204.38	Rs458.15	x
2020-09-30	Rs206.78	Rs458.15	x
2021-09-30	Rs218.77	Rs458.15	x
2022-09-30	Rs300.00	Rs458.15	x
2023-09-30	Rs484.68	Rs458.15	x
2024-09-30	Rs391.53	Rs458.15	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Jana Small Finance Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 12.18%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 9.34%
• Asset Turnover: 0.14x
• Equity Multiplier: 9.34x
Recent ROE (12.18%) is above the historical average (-30.01%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2013	9.85%	20.37%	0.10x	4.89x	Rs-7.69 Million
2014	7.03%	18.48%	0.08x	4.66x	Rs-319.22 Million
2015	13.05%	17.20%	0.08x	9.30x	Rs374.48 Million
2016	7.10%	10.66%	0.11x	6.28x	Rs-695.59 Million
2017	-163.77%	-155.68%	0.16x	6.38x	Rs-26.57 Billion
2018	-289.33%	-143.41%	0.14x	14.02x	Rs-20.16 Billion
2019	2.89%	1.33%	0.16x	13.55x	Rs-742.19 Million
2020	6.48%	2.70%	0.14x	17.11x	Rs-392.21 Million
2021	1.46%	0.58%	0.15x	16.81x	Rs-1.03 Billion
2022	14.24%	7.05%	0.14x	14.27x	Rs762.46 Million
2023	18.72%	14.84%	0.14x	9.14x	Rs3.12 Billion
2024	12.18%	9.34%	0.14x	9.34x	Rs895.84 Million

Industry Comparison

This section compares Jana Small Finance Bank's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $108,245,704,600
Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Jana Small Finance Bank (JSFB)	Rs43.25 Billion	9.85%	9.02x	$521.52 Million
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About Jana Small Finance Bank

NSE:JSFB India Banks - Regional

Market Cap

$521.52 Million

Rs48.22 Billion INR

Market Cap Rank

#12328 Global

#586 in India

Share Price

Rs458.15

Change (1 day)

-1.72%

52-Week Range

Rs341.85 - Rs522.40

All Time High

Rs736.20