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Jana Small Finance Bank Limited — Bonds & A (India Ratings) Rating

Bank · Financial Services

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Methodology v1.0 Download Report (PDF) Watch
Agency Rating
A (India Ratings)
Most common current rating on senior bonds
1 of 1 rated · India Ratings, 31 Oct 2025
Total Debt Outstanding
₹630 Cr
Across 3 instruments
Active Bonds
3
First Issue
22 Dec 2015
Latest Issue
16 Oct 2025
Maturity Range
2026 - 2035
Observation
3 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies

Latest events

Last 90 days · company disclosures to the exchanges and agency announcements. Not our assessment.
  • 30 Sep 2026 Interest payment notice Please find the attached confirmation on payment of Interest for NCD''s
  • 5 Sep 2026 Record date The company has fixed Regulation 60(2) Record Date Interest Payment / Redemption / Dividend for the purpose of…
Issuer health card 2 items to look at
  • Current ratings India Ratings A
  • Rating direction, 12 months No rating actions on file
  • Watch / negative outlook None in 12 months
  • Issuer not cooperating No such actions in 12 months
  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months
  • Newest agency rating No agency rating on file newer than 31 Oct 2025
  • Payment record No payment disclosures since 17 Jul 2026
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 0 of 3 active bonds had an exchange trade
  • Exchange filings, 90 days 34 filings on NSE/BSE

A checklist of published facts, not a rating or a view on credit quality. Ratings are the agencies' own; payment record covers NSE disclosures since 17 Jul 2026; "late" means paid more than 3 days after the due date (next-working-day payments are allowed). Rating range covers every current rating on the issuer's active bonds, with each agency's rating date. Rating actions count only when the agency's heading names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility. Rating age uses the newest rating date on file and is flagged when older than 12 months. See methodology.

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01 Issuer Overview
Sector
Financial Services
Issuer Type
Bank
First Tracked Bond
22 Dec 2015
Start of this issuer's debt program timeline
  • 3 active bonds tracked from this issuer.
  • 0 of 3 tracked bonds with a stated security status are secured. (based on 3 bonds with a disclosed security status)

Jana Small Finance Bank Limited is a bank or financial institution in the Financial Services sector. Coupon rates on outstanding bonds range from 10.55% - 13.80%, paid semi-annually. Bonds mature between 2026 - 2035.

Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.

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02 Debt Profile
Outstanding Bonds
3
Tracked by RetailBonds
Amount Tracked
₹630 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt
Avg Coupon
12.62%
Range 10.55% - 13.80%
Avg Remaining Tenure
3.2 Yrs
Nearest maturity Nov 2026
Secured
0%
0 of 3 bonds with known status
Callable
0
Of 3 bonds

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (1 bond).

0 2026: 1 bond, ₹50 Cr tracked, avg coupon 13.50% 1 bond 2026 2027: 1 bond, ₹330 Cr tracked, avg coupon 13.80% 1 bond 2027 2035: 1 bond, ₹250 Cr tracked, avg coupon 10.55% 1 bond 2035

Security Type / Instrument Mix

  • NCD 3 bonds · 100% · ₹630 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2015: ₹330 Cr issued 2015 2021: ₹50 Cr issued 2021 2025: ₹250 Cr issued 2025 Cumulative: ₹330 Cr Cumulative: ₹380 Cr Cumulative: ₹630 Cr

Based on 3 of 3 active bonds with a known issue date and issue size.

03 Credit Profile
  • A 1 bond · 33%
  • BBB 1 bond · 33%
  • Unrated 1 bond · 33%
AgencyRatingOutlookBonds
India Ratings A Stable 1
ICRA BBB NSDL record — 1

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE953L08311 Jana Small Finance Bank 13.50% Nov 2026 NCD 13.50% — 2026-11-30 — —
INE953L08329 Jana Small Finance Bank 13.80% Jul 2027 NCD 13.80% BBB (ICRA, NSDL record 2021) 2027-07-07 — 2026-09-09
INE953L08337 Jana Small Finance Bank 10.55% Oct 2035 NCD 10.55% A (India Ratings) 2035-10-16 — —
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YTM is the market yield from the latest BSE/NSE trade. It shows “—” when that trade is over 30 days old, the bond is under 30 days from maturity, it is a market-linked debenture, or the price failed our checks (hover the dash for the reason). A coupon is never shown as a yield.

05 Market Activity

No recorded secondary-market trades in the last 30 days.

06 Regulatory Filings
BSE Corporate Announcements
Outcome of the Board Meeting un-audited financial results of the Bank for the quarter and half year ended 30th September 2026. 23 Oct 2026
Please find attached audio recording 23 Oct 2026
Please find the attached caption subject 23 Oct 2026
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 2 2025-10-31
Rating Actions History 0 —
Secondary-Market Trades 5 2026-09-09
Reg52(4) Payment Disclosures 0 —

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions
How many active bonds does Jana Small Finance Bank Limited have?

Jana Small Finance Bank Limited currently has 3 active bonds with coupons of 10.55% - 13.80%, maturities spanning 2026 - 2035.

What is Jana Small Finance Bank Limited's credit rating?

The most common current rating on Jana Small Finance Bank Limited's senior bonds is A (India Ratings). Ratings on file come from India Ratings.

Are Jana Small Finance Bank Limited's bonds secured?

Of the 3 bonds with a disclosed security status, 0 are secured (0%) and 3 are unsecured.

When do Jana Small Finance Bank Limited's bonds mature?

Jana Small Finance Bank Limited's active bonds mature between 2026 - 2035; the nearest matures in Nov 2026; the average tenure is 3.2 Yrs.

What is the average coupon on Jana Small Finance Bank Limited's bonds?

The average coupon across Jana Small Finance Bank Limited's 3 active bonds is 12.62%.

Disclaimer: This page aggregates publicly available data about Jana Small Finance Bank Limited for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.