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FEDERALBNK · The Federal Bank Ltd · Regional Banks

FEDERALBNK · The Federal Bank Ltd · Regional Banks

₹338.5+1.0%

As of 05 Nov close

52-week range

52wk low ₹232.4252wk high ₹371.7

8.9% below 52-week high

52-week range: as of 05 Nov 2026 close.

Price chartDaily closes on the stock page.

Stock Condition:Pro

Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.

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Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old

Revenue (latest Q)

Not available from data source

Revenue YoY

PAT YoY

+36.8%

Operating margin

Revenue, last 8 quarters

P/E (TTM)

P/B

2.1

P/S (TTM)

5

Sector P/E

10.2

Dividend yield

+0.3%

Source: Yahoo Finance, as of 29 Oct 2026

CompanyP/EP/BNet marginROED/EDiv. yield
FEDERALBNK (this stock)17.42.1+28.3%+12.1%0.83+0.3%
HDFC Bank15.51.8+25.6%+13.7%0.93+1.8%
ICICI Bank17.52.6+25.9%+16.0%0.59+0.9%
State Bank of India111.4+21.4%+15.4%1.32+1.8%

Promoter

Not available from data source

FII

rising 2q

MF

37.69% (-0.42pp)

falling 1q

Insider trades

No insider trades in the last 12 months.

Bulk/block deals

datecanonicalSymbolbuy quantitybuyer countdeal strengthdeal types present
2026-05-29FEDERALBNK322619163STRONGBULK

News timeline

Concalls & investor presentations

AI-generated
Investor presentationPositive16 Oct 2026
View source filing →

Key takeaway: The Federal Bank Limited's investor presentation for Q2 FY2027 highlights strong financial performance and operational growth. Key metrics include a 20% YoY increase in business franchise to ₹6.4 lakh crore, a 21% YoY growth in average CASA to ₹1 lakh crore, and a 20% YoY rise in customer assets to ₹3 lakh crore. Profitability metrics show a 45% YoY increase in net profit to ₹1,386 crore, with ROA at 1.32% and ROE at 13.57%. The balance sheet strength is evident with a CRAR of 16.84% and a PCR of 86.78%. Advances and deposits grew by 16% and 22% YoY, respectively, with retail and gold loan segments showing significant growth. The bank reported a net NPA of 0.17% and a gross NPA of 1.32%, indicating strong asset quality. Fee income rose 32% YoY to ₹1,168 crore, driven by diversified and granular fee income streams. Digital initiatives, including FedMobile and FedCorp, saw significant growth in active users and transaction values. The bank also emphasized its ESG commitments, including green portfolio targets and cybersecurity awareness campaigns. Subsidiaries like Fedbank Financial Services reported robust performance with a 36.6% YoY increase in AUM. The presentation underscores the bank's strategic focus on digital transformation, balance sheet strength, and sustainable growth.

The presentation emphasizes strong financial performance, growth in key metrics, and strategic initiatives, reflecting a positive outlook.

Sourced from an exchange-filed presentation, dated 16 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.

Concall transcriptNeutral16 Oct 2026
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Key takeaway: The Federal Bank Limited provided a transcript of its earnings call discussing the consolidated and standalone unaudited financial results for the quarter and half year ended September 30, 2026. The document confirms the availability of the transcript on the Bank's website at www.federal.bank.in/financial-result. The call included management commentary on the Bank's financial performance, operational developments, and strategic direction for the reported period. The summary does not include specific financial figures or detailed management statements, as the provided text only outlines the notice of the transcript's availability. The Bank requested the recipient to take note of this information.

The tone is neutral as the document only confirms the availability of the transcript without providing specific details or evaluative language.

Sourced from an exchange-filed transcript, dated 16 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive08 Sept 2026
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Key takeaway: The Federal Bank Limited's investor presentation for Q1 FY27 highlights its strong financial performance, strategic initiatives, and operational strengths. The Bank reported a 36.6% YoY increase in net profit to ₹1,177 crore, driven by a 26.1% rise in net interest income and a 39 bps expansion in net interest margin (NIM). Asset quality remains robust, with gross non-performing assets (GNPA) at 1.52% and net non-performing assets (NNPA) at 0.18%, the lowest in recent history. The Bank's deposit franchise is highly granular, with 85% of funding coming from retail deposits and CASA accounts, supported by a 18% YoY growth in CASA balances. Strategic initiatives like Project Breakthrough 4.0 are focused on enhancing profitability through improved asset mix, fee income growth, and cost efficiency. The Bank has also secured significant institutional investments, including a ₹6,197 crore investment from Blackstone, reflecting confidence in its governance and strategy. The presentation underscores the Bank's disciplined execution, strong risk management, and long-term value creation through diversified growth engines such as NRI banking, gold loans, and transaction banking. The Bank's balance sheet is well-capitalized, with a capital adequacy ratio (CRAR) of 16.97% and a Tier-1 ratio of 15.89%. The presentation also highlights the Bank's ESG initiatives, digital transformation, and recognition for innovation and sustainability.

The tone is positive as the document emphasizes strong financial performance, robust asset quality, strategic growth initiatives, and institutional confidence.

Sourced from an exchange-filed presentation, dated 08 Sept 2026. Summary is RedixFi-generated and distinct from investment advice.

Concall transcriptNeutral22 Jul 2026
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Key takeaway: The Federal Bank Limited announced the availability of the transcript for its earnings call regarding the consolidated and standalone unaudited financial results for the quarter ended June 30, 2026. The document was made accessible on the Bank's website, and the company requested that the information be recorded and disseminated by the National Stock Exchange of India and BSE Limited. The communication was signed by Samir P Rajdev, the Company Secretary.

The document presented factual information regarding the earnings call transcript without emphasizing growth or challenges.

Sourced from an exchange-filed transcript, dated 22 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive17 Jul 2026
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Key takeaway: The investor presentation by The Federal Bank Limited for Q1 FY2027 highlighted several key financial metrics, showing significant growth compared to the previous year. The bank reported a return on assets (ROA) of 1.22% and a return on equity (ROE) of 12.01%, both improved from Q1 FY26. Earnings per share (EPS) increased to ₹19.15, while the net interest margin (NIM) rose to 3.33%. The bank's net profit reached ₹1,177 crore, a 37% increase year-on-year. The presentation noted a strong balance sheet with total assets of ₹3.93 lakh crore and a capital adequacy ratio (CRAR) of 16.97%. The gross non-performing assets (NPA) ratio improved to 1.52%, and the provision coverage ratio (PCR) increased to 87.37%. The bank emphasized its digital initiatives and growth in retail and commercial banking segments, alongside a diversified fee income stream.

Management emphasized strong financial performance and growth metrics.

Sourced from an exchange-filed presentation, dated 17 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.

Concall transcriptPositive05 May 2026
View source filing →

Key takeaway: The earnings call for Federal Bank Limited, held on April 29, 2026, provided insights into the bank's performance for the quarter and year ended March 31, 2026. Management reported a record net profit of INR 1,145 crores, marking a nearly 10% sequential growth. The bank achieved significant milestones, including crossing INR 1 lakh crore in CASA and NRI deposits. Management emphasized a strategic focus on improving the quality of deposits and a calibrated shift in the asset portfolio. The bank's asset quality metrics remained strong, with GNPA at 1.62% and NNPA at 0.37%. Management highlighted the successful launch of a wealth management business and ongoing branch expansion efforts. The macroeconomic environment was described as resilient, although management acknowledged potential risks from geopolitical tensions. Overall, the bank's performance reflected disciplined growth and a commitment to maintaining a stable funding base.

Management highlighted strong financial performance and strategic initiatives.

Sourced from an exchange-filed transcript, dated 05 May 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive29 Apr 2026
View source filing →

Key takeaway: The investor presentation by The Federal Bank Limited for Q4 FY26 highlighted several key financial metrics, including a net interest income of ₹3,173 crores, marking a 33% year-over-year increase. The bank reported a net profit of ₹1,259 crores for the quarter, up 22% from the previous year. Operating profit also saw significant growth, reaching ₹2,276 crores, a 55% increase. The presentation noted that the bank's CASA deposits crossed ₹1 lakh crores for the first time, totaling ₹1,03,390 crores. Key performance indicators showed improvements in return on assets (ROA) at 1.36% and return on equity (ROE) at 13.69%. The bank's gross non-performing assets (GNPA) ratio improved to 1.62%, while the net NPA ratio decreased to 0.20%. The presentation emphasized the bank's strong operating fundamentals and continued focus on digital transformation and customer service enhancements.

Management emphasized strong financial performance and operational improvements.

Sourced from an exchange-filed presentation, dated 29 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.

AI Summary of Annual Report

AI-generated
FY2025-26266 pages

The Federal Bank Limited reported strong financial performance in FY2025-26, with a significant increase in CASA balances exceeding ₹1 Lakh Crore for the first time and fee income reaching ₹3,559 Crore, the highest ever. The Bank maintained robust asset quality, with Net NPA at 0.20% and a Provision Coverage Ratio of 87.07%. It expanded its network with 51 new outlets, reaching 1,640 banking outlets and 2,112 ATMs/Recyclers. The Bank also emphasized corporate governance, compliance with regulatory requirements, and sustainability initiatives, including BRSR disclosures. The independent auditors noted key audit matters related to NPA identification and IT systems, but no material misstatements were found.

  • The Bank achieved CASA balances exceeding ₹1 Lakh Crore and recorded the highest-ever fee income of ₹3,559 Crore.
  • Net NPA stood at 0.20% with a Provision Coverage Ratio of 87.07%, indicating strong asset quality.
  • Expanded banking network to 1,640 outlets and 2,112 ATMs/Recyclers.
  • Compliance with regulatory requirements and emphasis on corporate governance and sustainability.
  • Independent auditors identified key audit matters related to NPA identification and IT systems but found no material misstatements.

Key takeaway: The Federal Bank Limited demonstrated strong financial performance and asset quality in FY2025-26, with significant growth in CASA balances and fee income, while maintaining a low NPA ratio and expanding its banking network.

The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.

Filed with NSE · 30 Jul 2026View source filing →

Governance disclosures

AI-generated

Needs attention

Auditor Qualification (1 item); Regulatory Action (3 items); Default / Covenant Breach (1 item)

Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.

Auditor Qualification

1 occurrence

Earlier (1-3 years ago)

Annual Report09 Aug 2024 (FY2023-24)
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The excerpt mentions 'Modified opinion(s) in the draft audit report.' This indicates that the auditor has issued a modified opinion, which could be a qualified, adverse, or disclaimer opinion.

Regulatory Action

3 occurrences

Recent (last 12 months)

Annual Report30 Jul 2026 (FY2025-26)Small penalty (under Rs 1 lakh)· 5 passages
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The company paid penalties to RBI and NPCI in FY 2025-26 for issues including cash replenishment delays, counterfeit currency detection deficiencies, and customer service lapses, totaling INR 35,000.

Earlier (1-3 years ago)

Annual Report07 Aug 2025 (FY2024-25)· 6 passages
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The bank was fined INR 14.70 Lakhs by RBI for non-adherence to RBI Master Circular regarding non-replenishment of cash in ATMs during FY 2024-25. The bank has paid the penalty during FY 2024-25.

Annual Report09 Aug 2024 (FY2023-24)· 6 passages
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The Reserve Bank of India (RBI) imposed a penalty of ₹30,00,000/- on the Bank for non-compliance with KYC directions, and another penalty of ₹16,80,00,000/- for non-replenishment of ATM cash. Both penalties have been paid by the Bank.

Default / Covenant Breach

1 occurrence

Earlier (1-3 years ago)

Annual Report09 Aug 2024 (FY2023-24)
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The company has borrowers classified as non-cooperative and wilful defaulters, and loans reported as fraud are classified as loss assets with full provisions made immediately.

Routine disclosures

Contingent Liability

3 occurrences

Recent (last 12 months)

Annual Report30 Jul 2026 (FY2025-26)· 9 passages
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The company has contingent liabilities amounting to 2,89,53,85,308 as of the reporting date.

Earlier (1-3 years ago)

Annual Report07 Aug 2025 (FY2024-25)· 7 passages
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The company reported contingent liabilities of 2,082,620,402 (in thousands) as of March 31, 2025, compared to 1,020,725,470 (in thousands) as of March 31, 2024.

Annual Report09 Aug 2024 (FY2023-24)· 6 passages
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The company has contingent liabilities amounting to 1,020,725,470 (in thousands) as of March 31, 2024.

Related-Party Transaction

3 occurrences

Recent (last 12 months)

Annual Report30 Jul 2026 (FY2025-26)· 3 passages
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The Federal Bank Limited transferred furnishings and fit-outs at Visakhapatnam Centre to its subsidiary Federal Operations and Services Limited for ₹2,87,41,797/- based on independent valuation, along with monthly usage charges of ₹2,28,220/- from April 1, 2025, till the transfer date. The transaction was approved by the Board on October 18, 2025.

Earlier (1-3 years ago)

Annual Report07 Aug 2025 (FY2024-25)· 3 passages
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The Bank has significant related party transactions with subsidiaries, associates, KMP, and relatives of KMP, including balances outstanding in deposits, advances, investments, receivables, and payables as of March 31, 2024.

Annual Report09 Aug 2024 (FY2023-24)· 4 passages
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Federal Bank had transactions with related parties, including deposits, advances, investments, and other financial dealings, amounting to a total of ₹707.65 crore with KMPs and their relatives for the year ended March 31, 2024.

Promoter Share Pledge

1 occurrence

Recent (last 12 months)

Structured Filing Data (NSE Pledge Disclosure)18 Jul 2026

1.9% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).

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