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15 Days Price Change

Jana Small Fin. Bank IPO

Closing In

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WEBSITE Inc. Year: 2006 Industry: Bank - Private Listed Page

Profile
Issue Size --
Profile
Price Range 393  to  414 per share
Profile
Min Investment ₹414
Profile
Lot Size 1
Profile
Face Value ₹10
Profile
Draft Prospectus --
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

Jana Small Finance Bank Ltd is a financial institution headquartered in Bengaluru, India. Initially established as Janalakshmi Financial Services. The bank primarily caters to the financial needs of underserved and unbanked segments of society, offering a range of banking products and services such as savings accounts, fixed deposits, microloans, and remittance services. Jana Small Finance Bank focuses on financial inclusion, aiming to empower individuals and businesses by providing access to formal banking services. With a strong emphasis on technology and customer-centric approaches, the bank leverages digital channels to enhance accessibility and convenience for its customers. Committed to fostering economic empowerment and financial literacy, Jana Small Finance Bank continues to expand its reach and impact in India's banking landscape. Read More

Basic Info

Face Value 10 per share

Price 393  to  414 per share

P/E (x) 8.6

Sales( Cr.) 4710

PAT( Cr.) 501

EPS 47.9

Draft Prospectus --

Exchange BSE-NSE

Promoter

Company Promoters

Jana Capital Limited Jana Holdings Limited.

Pre Issue Share Holding 100%

Post Issue Share Holding 36.14%

Listing Details:

Listing Price: 396

Listing Gain: -4.55%

Current Price: 495.3

Gain On Issue: 495.3 | 0%

GMP: --

GMP %: -- %

IPO Tentative Timetable

Opening Date Feb 07, 2024
Closing Date Feb 09, 2024
Allotment Feb 12, 2024
Refund Feb 13, 2024
Delivery of Shares Feb 13, 2024
Listing Date Feb 14, 2024

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 36 14,904
Retail (Max) 13 468 193,752
S-HNI (Min) 14 504 208,656
S-HNI (Max) 67 2412 998,568
B-HNI (Min) 68 2448 1,013,472

Objective of the Issue

The Bank proposes to utilize the Net Proceeds from the Fresh Issue towards augmenting the Bank& amp amp amp amp amp amp #039 s Tier - 1 capital base to meet the Bank& amp amp amp amp amp amp #039 s future capital requirements. Further, the proceeds from the Fresh Issue will also be used towards meeting the expenses in relation to the Offer. The Bank expects to receive the benefits of listing the Equity Shares on the Stock Exchanges.

Issue

Category Nos Bid Bid (x)
QIB 6884025 274053035 39.8x
NII 2065207 53963859 26.1x
Retail 4818817 27467257 5.7x
EMP 0 0 0x
Total 13768049 273846495 19.9x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

Jana Small Fin. Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 2822 1555 1251 1992 2498 2727 3075 4014 4710
Other Income 156 42 118 433 223 336 625 670 776
Total Income 2978 1597 1368 2425 2721 3062 3700 4684 5486
Interest Expense 1229 1164 814 980 1235 1337 1415 1886 2317
Operating Expenditure 1189 1455 1131 1164 1047 1139 1285 1605 1943
Provisions and contingencies 454 1381 1373 250 367 569 744 679 753
Operating Profit 106 -2403 -1949 30 72 17 256 514 474
Profit Before Tax 106 -2403 -1949 30 72 17 256 514 474
Provision for Tax -64 101 0 0 0 0 0 -155 -28
Profit After Tax 170 -2504 -1949 30 72 17 256 670 501
Adjustments 0 0 0 0 0 0 0 0 0
Profit After Adjustments 170 -2504 -1949 30 72 17 256 670 501
Adjusted Earnings Per Share 61.9 -637.3 -413.3 5.9 14.2 3.4 46.6 64 47.7

Jana Small Fin. Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 2397 1529 674 1044 1115 1201 1797 3577 4118
Minority's Interest 0 0 0 0 0 0 0 0 0
Deposits 0 0 4199 9652 12316 13536 16334 22571 29120
Borrowings 11667 7662 4086 2899 4815 4510 6277 5211 3867
Other Liabilities & Provisions 809 558 487 550 832 942 1235 1350 1359
Total Liabilities 14873 9748 9446 14145 19079 20189 25644 32710 38464
Cash and balance with RBI 16 198 1081 474 2125 1530 1011 1026 2816
Bank Balance 2275 919 88 506 134 7 1076 1027 1643
Investments 348 1997 1468 2650 4698 5065 5221 6738 5945
Advances 11614 6028 6217 9957 11600 13007 17760 23111 27155
Fixed Assets 192 360 332 259 211 170 123 139 150
Other Assets 390 221 258 298 309 408 448 667 751
Total Assets 14873 9748 9446 14145 19079 20189 25644 32710 38464

Jana Small Fin. Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 2018 2292 1117 1169 980 2246 1535 2066 2027
Cash Flow from Operating Activities -2562 1457 2771 949 615 859 -1137 708 4073
Cash Flow from Investing Activities -179 -256 -231 -285 -1266 -1330 -434 -780 -321
Cash Flow from Financing Activities 3015 -2375 -2489 -852 1917 -240 2104 33 -1331
Net Cash Inflow / Outflow 273 -1174 51 -188 1266 -711 532 -39 2421
Closing Cash & Cash Equivalent 2292 1117 1169 980 2246 1535 2067 2027 4448

Jana Small Fin. Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 61.94 -637.26 -413.29 5.94 14.24 3.4 46.56 64.02 47.73
CEPS(Rs) 84.47 -615.89 -392.21 24.18 30.54 19.12 59.05 69.93 53.49
DPS(Rs) 1 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 872.79 387.81 108.33 172.97 187.43 201.23 274.12 341 389.47
Yield on Advances 24.3 25.79 20.11 20 21.53 20.96 17.31 17.37 17.34
Yield on Investments 7.35 5.75 7.55 6.38 4.1 5.14 6.29 5.32 6.73
Cost of Liabilities 10.54 15.19 9.82 7.81 7.21 7.41 6.26 6.79 7.02
NIM (Net Interest Margin) 11.17 4.28 4.93 7.44 6.81 7.09 6.62 6.67 6.37
Interest Spread 13.76 10.6 10.29 12.19 14.33 13.56 11.06 10.58 10.32
ROA(%) 1.14 -20.34 -20.31 0.26 0.44 0.09 1.12 2.29 1.41
ROE(%) 7.1 -127.73 -191.59 4.34 7.91 1.76 20.14 26.39 13.1
ROCE(%) 9.49 -10.66 -18.37 8.49 8.84 7.28 9.7 11.18 9.74
PER(x) 0 0 0 0 0 0 0 6.41 8.52
Price/Book(x) 0 0 0 0 0 0 0 1.2 1.04
Dividend Yield(%) 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 4.14 4.95 3.43 1.56 2.01 1.73 2.15 2.37 1.73
EV/Core EBITDA(x) 20.9 -7.53 -7.43 11.05 11.43 8.03 6.6 7.97 6.64
Interest Earned Growth(%) 0 -44.9 -19.57 59.25 25.42 9.16 12.78 30.53 17.34
Net Profit Growth 0 -1571.95 22.16 101.55 139.83 -75.82 1365.12 161.57 -25.11
Advances Growth 0 -48.09 3.13 60.15 16.5 12.13 36.54 30.13 17.5
EPS Growth(%) 0 -1128.76 35.15 101.44 139.79 -76.14 1270.09 37.5 -25.44
Loans/Deposits(x) 0 0 97.33 30.03 39.1 33.32 38.43 23.09 13.28
Cash/Deposits(x) 0 439.42 0.26 0.05 0.17 0.11 0.06 0.05 0.1
Current Ratio(x) 0 4438.84 0.35 0.27 0.38 0.37 0.32 0.3 0.2
Quick Ratio(x) 0 0 97.33 30.03 39.1 33.32 38.43 23.09 13.28
CASA % 0 0 8.13 7.4 16.29 22.52 20.21 19.7 17.98

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 20% 19% 0%
Operating Profit CAGR -8% 203% 74% 0%
PAT CAGR -25% 209% 76% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 2% NA% NA% NA%
ROE Average 13% 20% 14% -27%
ROCE Average 10% 10% 9% 4%

Company Contact Information

Jana Small Finance Bank Ltd.

The Fairway Business Park #10/1,11/2,12/2 B Off Domlur, Koramangla Inner Ring Road Next To Embassy Golf Links, Challaghatta

IPO Lead Manager(s)

Jana Small Finance Bank Ltd.

Axis Capital Ltd.

ICICI Securities Ltd

Registrar Info

Jana Small Finance Bank Ltd.

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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