Guarantee claim realization timeline
Claims from the guarantee program are received 18 months after the financial year close, creating a timing mismatch between premium payments and recoveries.
JSFB / Q3-FY26 / risks
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Jana Small Finance Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Execution risk on unsecured growth
Unsecured book growth has just turned positive after a prolonged slowdown; sustaining growth without a spike in slippages is key.
Liquidity tightness impacting deposit costs
January saw tight liquidity; while incremental deposit costs are at 7%, any reversal could pressure NIMs.
BC book concentration risk
Three large BCs caused significant NPAs; though collections have stabilized, any recurrence could impact asset quality.