Maharashtra’s leading Janata Sahakari Bank Ltd., Pune, has shown significant financial progress for the fiscal year ending March 31, 2025, crossing a business mix of Rs 16,000 crores and earning a net profit after tax of Rs 67.98 crores.
The bank’s total deposits have increased from Rs 9,625.86 crores as of March 31, 2024, to Rs 10,068.66 crores as of March 31, 2025. Similarly, total advances have grown from Rs 5,664.30 crores to Rs 6,163.29 crores, indicating an enhanced lending portfolio.
The business mix, a key metric for the bank’s overall operations, has improved from Rs 15,290.16 crores to Rs 16,231.95 crores.
The Capital to Risk-Weighted Assets Ratio (CRAR) has strengthened from 14.27% to 14.84%, showcasing a more robust financial foundation. However, the cost of deposits has risen from 5.04% to 5.42%, which could impact the bank’s net interest margins.
A remarkable improvement is seen in the net profit after tax, surging from Rs 49.09 crores in 2024 to Rs 67.98 crores in 2025, signifying enhanced operational efficiency and revenue generation.
Additionally, Tier-I capital has increased from Rs 527.18 crores to Rs 558.40 crores, further reinforcing financial stability.
The yield on advances has grown from 8.92% to 9.28%, suggesting a better return on loans. The Credit-Deposit (CD) ratio has risen from 58.84% to 61.21%, reflecting an increase in loan disbursements.
Notably, asset quality has improved, with Gross Non-Performing Assets (NPA) reducing from 5.33% to 3.97% and Net NPA declining from 2.65% to 1.88%, highlighting effective risk management and recovery strategies.
Overall, Janata Sahakari Bank has demonstrated strong financial performance, with increased profitability, improved asset quality, and enhanced capital strength. With a customer base exceeding 10 lakh and a membership of 1.75 lakh, Janata Sahakari Bank continues to uphold its commitment to inclusive banking and community development .
Established on October 18, 1949, Janata Sahakari Bank Ltd., Pune, was founded by individuals dedicated to social causes, aiming to serve the economically weaker sections of society. Over the years, it has evolved into a significant cooperative banking institution, earning the status of a Scheduled Cooperative Bank in 1988 and becoming a Multi-State Scheduled Bank in 2012.
As of March 31, 2024, the bank operates 71 branches and 2 extension counters across Maharashtra and Gujarat, managing deposits of Rs 9,625.86 crore and advances of Rs 5,664.31 crore .
Big achievement
Frequent Power failure
No resolution
Not picking up calls