Jana Small Finance Bank (NSE:JSFB) LT-Debt-to-Total-Asset: 0.12 (As of Mar. 2026)


NSE:JSFB Jana Small Finance Bank Ltd NSE:JSFB
26 GF Score
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! 5 Warning Signs
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What is Jana Small Finance Bank LT-Debt-to-Total-Asset?

Jana Small Finance Bank NSE:JSFB -2.70% 26 LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus rates NSE:JSFB with a GF Score™ of 26/100. The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Jana Small Finance Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.12.

Jana Small Finance Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.12). It may suggest that Jana Small Finance Bank is progressively becoming more dependent on debt to grow their business.

Jana Small Finance Bank  (NSE:JSFB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Jana Small Finance Bank LT-Debt-to-Total-Asset Related Terms

Jana Small Finance Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Jana Small Finance Bank's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jana Small Finance Bank LT-Debt-to-Total-Asset Chart

Jana Small Finance Bank Annual Data
Trend Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only 0.18 0.21 0.14 0.09 0.12

Jana Small Finance Bank Quarterly Data
Mar18 Mar19 Mar20 Sep20 Mar21 Mar22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.09 0.00 0.09 0.00 0.12
NSE:JSFB
26GF Score
Jana Small Finance Bank Ltd NSE:JSFB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Jana Small Finance Bank LT-Debt-to-Total-Asset Calculation

Jana Small Finance Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=54967.618/474477.269
=0.12

Jana Small Finance Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=54967.618/474477.269
=0.12

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.12 mean?
Jana Small Finance Bank (NSE:JSFB) has a LT-Debt-to-Total-Asset of 0.12 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Jana Small Finance Bank and its competitors.
Is Jana Small Finance Bank's LT-Debt-to-Total-Asset too high?
Jana Small Finance Bank's current LT-Debt-to-Total-Asset is 0.12. Overall, Jana Small Finance Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Jana Small Finance Bank's LT-Debt-to-Total-Asset compare to competitors?
Jana Small Finance Bank's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Jana Small Finance Bank and its competitors. Jana Small Finance Bank's current LT-Debt-to-Total-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jana Small Finance Bank stock overvalued right now?
Jana Small Finance Bank (NSE:JSFB) has a current LT-Debt-to-Total-Asset of 0.12. The current LT-Debt-to-Total-Asset is 0.12. Jana Small Finance Bank's overall GF Score™ is 26/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Jana Small Finance Bank Business Description

Other Exchanges 544118:India
Address Koramangala Inner Ring Road, The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B Off Domlur, Next to EGL Business Park Challaghatta, Bengaluru, KA, IND, 560071
Jana Small Finance Bank Ltd is engaged in the banking sector. The company is engaged in savings accounts, current accounts, Deposits, Insurance, Loans such as secured business loans, microloans against property, MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans. It operates in four segments namely the Treasury segment, Corporate/Wholesale Banking segment, Retail Banking segment, and Other Banking Operations segment. The retail banking segment includes lending to and deposits from retail customers and the identified earnings and expenses of the segment. Maximum revenue is generated from the Retail Banking segment.
26GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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