The Federal Bank Ltd.

3611.6%

2026-08-21

federal.bank.in.BSE: 500469NSE: FEDERALBNK
Market Cap₹ 88,849 Cr.
Current Price₹ 355
High / Low₹ 372 / 188
Stock P/E19.0
Book Value₹ 161
Price to Book1.66
Dividend Yield0.33 %
ROCE11.0 %
ROE12.3 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 57.3% • Corporate / Whole sale Banking: 22.9% • Treasury: 12.6% • Digital Banking-Retail Banking: 6.3% • Other Banking Operations: 0.9%

PROS

  • Company has delivered good profit growth of 22.2% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 17.2%
  • Asset quality is healthy - gross NPA of just 1.6%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 37.1% YoY, showing strong momentum
  • Company has delivered good sales growth of 15.7% CAGR over last 5 years

CONS

  • A large part of profit comes from other income (78.4% of PBT)
  • Equity base is being diluted - shares outstanding up 16.4%
  • Valuation is stretched - P/E of 19.0 is well above its own 5-year median (10.4)
  • Though reporting repeated profits, the company pays out little dividend (6.8%)
  • Growth is decelerating - 3Y profit CAGR (12.2%) trails the 5Y trend (22.2%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS
S.No.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.HDFCBANK720.1514.051109831.872.15203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1401.8017.941006008.510.8616209.7412.6252240.856.4416.5132.39
3.KOTAKBANK392.0519.21389986.670.175487.0623.8918354.576.4112.0519.05
4.AXISBANK1232.3513.81383618.900.087656.5122.3135541.969.8711.0463.88
5.FEDERALBNK359.4518.9788849.290.331297.6137.067861.589.9410.9866.11
6.IDBI80.729.3186793.390.002130.575.277549.287.4414.7676.80
7.AUBANK1071.3044.1280340.090.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK1011.9559.6378845.130.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB85.2031.8773452.790.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.7118.8871281.660.001071.8132.538054.495.928.0458.47
11.RBLBANK381.0065.6959059.120.262342.30993.4138402.401015.976.4940.95
12.KARURVYSYA331.200.0032017.550.79755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
5,350
Interest Expended
3,255
Net Interest Income
2,095
741
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
1,202
Tax %
25.84%
Net Profit
0
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Sep 2023
5,791
Interest Expended
3,544
Net Interest Income
2,247
757
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
1,343
Tax %
25.51%
Net Profit
0
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Dec 2023
6,085
Interest Expended
3,760
Net Interest Income
2,326
908
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
1,420
Tax %
25.11%
Net Profit
0
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Mar 2024
6,339
Interest Expended
3,936
Net Interest Income
2,403
810
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
1,296
Tax %
24.97%
Net Profit
0
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Jun 2024
6,728
Interest Expended
4,212
Net Interest Income
2,516
936
Total Income
7,664
Operating Expenses
18,749
Operating Profit
15,772
Provisions & Contingencies
1,729
Profit before Tax
1,404
Tax %
25.94%
Net Profit
1,040
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Sep 2024
7,006
Interest Expended
4,393
Net Interest Income
2,612
1,010
Total Income
8,015
Operating Expenses
19,526
Operating Profit
16,692
Provisions & Contingencies
1,961
Profit before Tax
1,473
Tax %
25.02%
Net Profit
1,104
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Dec 2024
7,265
Interest Expended
4,570
Net Interest Income
2,695
931
Total Income
8,196
Operating Expenses
19,620
Operating Profit
16,642
Provisions & Contingencies
3,874
Profit before Tax
1,277
Tax %
25.70%
Net Profit
949
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Mar 2025
7,108
Interest Expended
4,456
Net Interest Income
2,651
1,047
Total Income
8,155
Operating Expenses
21,024
Operating Profit
15,964
Provisions & Contingencies
1,628
Profit before Tax
1,434
Tax %
22.69%
Net Profit
1,108
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Jun 2025
7,151
Interest Expended
4,540
Net Interest Income
2,611
1,164
Total Income
8,315
Operating Expenses
20,687
Operating Profit
17,070
Provisions & Contingencies
4,372
Profit before Tax
1,270
Tax %
25.44%
Net Profit
947
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Sep 2025
7,216
Interest Expended
4,429
Net Interest Income
2,787
1,105
Total Income
8,321
Operating Expenses
21,220
Operating Profit
17,700
Provisions & Contingencies
3,974
Profit before Tax
1,373
Tax %
25.73%
Net Profit
1,019
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Dec 2025
7,360
Interest Expended
4,401
Net Interest Income
2,960
1,143
Total Income
8,503
Operating Expenses
22,204
Operating Profit
18,820
Provisions & Contingencies
3,745
Profit before Tax
1,507
Tax %
25.44%
Net Profit
1,124
EPS
4
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Mar 2026
7,947
Interest Expended
4,402
Net Interest Income
3,545
1,186
Total Income
9,132
Operating Expenses
22,556
Operating Profit
24,752
Provisions & Contingencies
7,617
Profit before Tax
1,714
Tax %
18.69%
Net Profit
1,393
EPS
5
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Jun 2026
7,862
Interest Expended
4,538
Net Interest Income
3,324
1,082
Total Income
8,943
Operating Expenses
2,311
Operating Profit
2,094
Provisions & Contingencies
353
Profit before Tax
1,741
Tax %
25.47%
Net Profit
1,298
EPS
1
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
8,783
Interest Expended
5,653
Net Interest Income
3,131
1,084
Total Income
9,867
2,253
Operating Profit
1,962
620
Profit before Tax
1,342
Tax %
36
Net Profit
853
EPS
5
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2018
9,915
Interest Expended
6,226
Net Interest Income
3,688
1,160
Total Income
11,075
2,505
Operating Profit
2,344
951
Profit before Tax
1,393
Tax %
35
Net Profit
910
EPS
5
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2019
11,635
Interest Expended
7,316
Net Interest Income
4,319
1,335
Total Income
12,971
2,837
Operating Profit
2,818
858
Profit before Tax
1,960
Tax %
35
Net Profit
1,283
EPS
7
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2020
13,590
Interest Expended
8,678
Net Interest Income
4,912
1,882
Total Income
15,472
3,547
Operating Profit
3,247
1,187
Profit before Tax
2,060
Tax %
25
Net Profit
1,553
EPS
8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2021
14,314
Interest Expended
8,435
Net Interest Income
5,879
1,972
Total Income
16,286
3,899
Operating Profit
3,952
1,744
Profit before Tax
2,209
Tax %
25
Net Profit
1,647
EPS
8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2022
14,382
Interest Expended
7,959
Net Interest Income
6,422
2,121
Total Income
16,502
4,592
Operating Profit
3,951
1,305
Profit before Tax
2,646
Tax %
26
Net Profit
1,965
EPS
9
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2023
17,812
Interest Expended
9,975
Net Interest Income
7,837
2,436
Total Income
20,248
5,211
Operating Profit
5,062
799
Profit before Tax
4,263
Tax %
26
Net Profit
3,176
EPS
15
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2024
23,565
Interest Expended
14,495
Net Interest Income
9,071
3,216
Total Income
26,782
6,767
Operating Profit
5,521
260
Profit before Tax
5,261
Tax %
25
Net Profit
3,928
EPS
16
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2025
28,106
Interest Expended
17,631
Net Interest Income
10,475
3,924
Total Income
32,030
7,892
Operating Profit
6,507
919
Profit before Tax
5,588
Tax %
25
Net Profit
4,201
EPS
17
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2026
29,674
Interest Expended
17,772
Net Interest Income
11,903
4,598
Total Income
34,272
8,667
Operating Profit
7,834
1,971
Profit before Tax
5,863
Tax %
24
Net Profit
4,483
EPS
18
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
TTM
Interest Expended
17,770
Net Interest Income
4,515
Total Income
34,900
Operating Profit
Profit before Tax
6,335
Tax %
24
Net Profit
4,834
EPS
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %

COMPOUNDED SALES GROWTH

10 Years:
14%
5 Years:
16%
3 Years:
19%

COMPOUNDED PROFIT GROWTH

10 Years:
24%
5 Years:
21%
3 Years:
11%

STOCK PRICE CAGR

10 Years:
18%
5 Years:
35%
3 Years:
38%
1 Year:
78%

RETURN ON EQUITY

10 Years:
12%
5 Years:
13%
3 Years:
13%
Last Year:
12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Aug 14

₹ 0.60

Rs.1.2000 per share(60%)Final Dividend

2025

Aug 22

₹ 0.60

Rs.1.2000 per share(60%)Final Dividend

2024

Aug 23

₹ 0.60

Rs.1.2000 per share(60%)Final Dividend

2023

Aug 11

₹ 0.50

Rs.1.0000 per share(50%)Final Dividend

2022

Jul 19

₹ 0.90

Rs.1.8000 per share(90%)Final Dividend

2021

Jul 1

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2018

Aug 2

₹ 0.50

Rs.1.0000 per share(50%)Final Dividend

2017

Jul 3

₹ 0.45

Rs.0.9000 per share(45%)Dividend

2016

Jul 29

₹ 0.35

Rs.0.7000 per share(35%)Dividend

2026

Jul 20

₹ 0.60

Rs.1.2000 per share(60%)Final Dividend

Mar 2017
Equity Capital
345
8,607
97,662
6,345
Other Liabilities & Provisions
2,527
Total Liabilities
1,15,486
4,578
Balances with Banks & Money at Call
2,876
27,912
74,086
477
5,540
Total Assets
1,15,486
CASA Deposits
26,398
CASA Ratio (%)
27.03
Credit-Deposit Ratio (%)
75.86
Contingent Liabilities
23,236
Bills for Collection
2,568
Book Value per Share
51.89
CASA Deposits
26,398
CASA Ratio (%)
27.03
Credit-Deposit Ratio (%)
75.86
Contingent Liabilities
23,236
Bills for Collection
2,568
Book Value per Share
51.89
Mar 2018
Equity Capital
394
11,880
1,11,970
12,329
Other Liabilities & Provisions
2,640
Total Liabilities
1,39,214
5,137
Balances with Banks & Money at Call
4,058
30,595
93,011
452
5,952
Total Assets
1,39,214
CASA Deposits
30,920
CASA Ratio (%)
27.61
Credit-Deposit Ratio (%)
83.07
Contingent Liabilities
26,816
Bills for Collection
3,123
Book Value per Share
62.21
CASA Deposits
30,920
CASA Ratio (%)
27.61
Credit-Deposit Ratio (%)
83.07
Contingent Liabilities
26,816
Bills for Collection
3,123
Book Value per Share
62.21
Mar 2019
Equity Capital
397
13,101
1,34,879
8,706
Other Liabilities & Provisions
3,389
Total Liabilities
1,60,552
6,423
Balances with Banks & Money at Call
3,631
31,676
1,11,536
462
6,807
Total Assets
1,60,552
CASA Deposits
34,979
CASA Ratio (%)
25.93
Credit-Deposit Ratio (%)
82.69
Contingent Liabilities
29,348
Bills for Collection
3,543
Book Value per Share
67.97
CASA Deposits
34,979
CASA Ratio (%)
25.93
Credit-Deposit Ratio (%)
82.69
Contingent Liabilities
29,348
Bills for Collection
3,543
Book Value per Share
67.97
Mar 2020
Equity Capital
399
14,424
1,52,252
12,528
Other Liabilities & Provisions
3,570
Total Liabilities
1,83,353
6,183
Balances with Banks & Money at Call
6,575
35,715
1,24,849
477
9,526
Total Assets
1,83,353
CASA Deposits
38,534
CASA Ratio (%)
25.31
Credit-Deposit Ratio (%)
82.00
Contingent Liabilities
34,464
Bills for Collection
3,768
Book Value per Share
74.36
CASA Deposits
38,534
CASA Ratio (%)
25.31
Credit-Deposit Ratio (%)
82.00
Contingent Liabilities
34,464
Bills for Collection
3,768
Book Value per Share
74.36
Mar 2021
Equity Capital
399
16,103
1,72,186
12,271
Other Liabilities & Provisions
3,789
Total Liabilities
2,04,967
7,655
Balances with Banks & Money at Call
12,161
36,732
1,35,514
504
12,387
Total Assets
2,04,967
CASA Deposits
46,852
CASA Ratio (%)
27.21
Credit-Deposit Ratio (%)
78.70
Contingent Liabilities
36,427
Bills for Collection
3,977
Book Value per Share
82.65
CASA Deposits
46,852
CASA Ratio (%)
27.21
Credit-Deposit Ratio (%)
78.70
Contingent Liabilities
36,427
Bills for Collection
3,977
Book Value per Share
82.65
Mar 2022
Equity Capital
421
18,833
1,81,678
19,587
Other Liabilities & Provisions
5,415
Total Liabilities
2,26,241
16,066
Balances with Banks & Money at Call
5,070
39,065
1,49,951
643
15,416
Total Assets
2,26,241
CASA Deposits
53,083
CASA Ratio (%)
29.22
Credit-Deposit Ratio (%)
82.54
Contingent Liabilities
38,932
Bills for Collection
5,013
Book Value per Share
91.55
CASA Deposits
53,083
CASA Ratio (%)
29.22
Credit-Deposit Ratio (%)
82.54
Contingent Liabilities
38,932
Bills for Collection
5,013
Book Value per Share
91.55
Mar 2023
Equity Capital
423
21,696
2,12,989
25,862
Other Liabilities & Provisions
6,679
Total Liabilities
2,68,004
12,604
Balances with Banks & Money at Call
5,200
48,702
1,81,957
890
18,569
Total Assets
2,68,004
CASA Deposits
54,337
CASA Ratio (%)
25.51
Credit-Deposit Ratio (%)
85.43
Contingent Liabilities
76,606
Bills for Collection
5,669
Book Value per Share
104.50
CASA Deposits
54,337
CASA Ratio (%)
25.51
Credit-Deposit Ratio (%)
85.43
Contingent Liabilities
76,606
Bills for Collection
5,669
Book Value per Share
104.50
Mar 2024
Equity Capital
487
29,615
2,52,455
25,160
Other Liabilities & Provisions
9,298
Total Liabilities
3,17,839
11,509
Balances with Banks & Money at Call
7,685
61,043
2,18,110
996
18,429
Total Assets
3,17,839
CASA Deposits
57,859
CASA Ratio (%)
22.92
Credit-Deposit Ratio (%)
86.40
Contingent Liabilities
1,02,090
Bills for Collection
7,158
Book Value per Share
123.58
CASA Deposits
57,859
CASA Ratio (%)
22.92
Credit-Deposit Ratio (%)
86.40
Contingent Liabilities
1,02,090
Bills for Collection
7,158
Book Value per Share
123.58
Mar 2025
Equity Capital
491
34,035
2,83,484
32,596
Other Liabilities & Provisions
8,619
Total Liabilities
3,60,152
20,361
Balances with Banks & Money at Call
11,236
66,058
2,44,995
1,456
15,974
Total Assets
3,60,152
CASA Deposits
63,892
CASA Ratio (%)
22.54
Credit-Deposit Ratio (%)
86.42
Contingent Liabilities
2,08,282
Bills for Collection
9,233
Book Value per Share
140.57
CASA Deposits
63,892
CASA Ratio (%)
22.54
Credit-Deposit Ratio (%)
86.42
Contingent Liabilities
2,08,282
Bills for Collection
9,233
Book Value per Share
140.57
Mar 2026
Equity Capital
493
37,963
3,13,491
33,193
Other Liabilities & Provisions
14,284
Total Liabilities
4,02,081
15,577
Balances with Banks & Money at Call
11,321
76,471
2,77,381
1,420
19,803
Total Assets
4,02,081
CASA Deposits
76,632
CASA Ratio (%)
24.44
Credit-Deposit Ratio (%)
88.48
Contingent Liabilities
2,89,581
Bills for Collection
9,870
Book Value per Share
156.03
CASA Deposits
76,632
CASA Ratio (%)
24.44
Credit-Deposit Ratio (%)
88.48
Contingent Liabilities
2,89,581
Bills for Collection
9,870
Book Value per Share
156.03

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
3,431
Cash from Investing
-2,384
Cash from Financing
985
2,032
Mar 2018
-5,051
Cash from Investing
-1,579
Cash from Financing
8,371
1,740
Mar 2019
7,873
Cash from Investing
-3,380
Cash from Financing
-3,637
856
Mar 2020
3,731
Cash from Investing
-4,693
Cash from Financing
3,661
2,699
Mar 2021
11,179
Cash from Investing
-3,915
Cash from Financing
-208
7,057
Mar 2022
-7,774
Cash from Investing
908
Cash from Financing
8,193
1,327
Mar 2023
489
Cash from Investing
-9,844
Cash from Financing
6,038
-3,316
Mar 2024
6,431
Cash from Investing
-8,908
Cash from Financing
3,871
1,394
Mar 2025
8,801
Cash from Investing
-3,794
Cash from Financing
7,401
12,408
Mar 2026
4,349
Cash from Investing
-11,109
Cash from Financing
2,069
-4,691

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
EPS (₹)
5.03
Book Value (₹)
51.89
Dividend per Share (₹)
0.90
Net Interest Margin %
2.86%
ROA %
0.81%
ROE %
10.04%
53.45%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.82%
Credit-Deposit Ratio %
0.07%
0.00%
Net Profit Growth %
74.90%
Book Value Growth %
10.68%
P/E (x)
18.17x
P/B (x)
1.76x
0.99%
Mar 2018
EPS (₹)
4.74
Book Value (₹)
62.21
Dividend per Share (₹)
1.00
Net Interest Margin %
2.78%
ROA %
0.71%
ROE %
8.58%
51.66%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
33.64%
Credit-Deposit Ratio %
0.11%
0.00%
Net Profit Growth %
6.60%
Book Value Growth %
19.89%
P/E (x)
18.84x
P/B (x)
1.44x
1.12%
Mar 2019
EPS (₹)
6.57
Book Value (₹)
67.97
Dividend per Share (₹)
1.40
Net Interest Margin %
2.82%
ROA %
0.86%
ROE %
9.96%
50.17%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.37%
Credit-Deposit Ratio %
0.06%
0.00%
Net Profit Growth %
40.99%
Book Value Growth %
9.26%
P/E (x)
14.68x
P/B (x)
1.42x
1.45%
Mar 2020
EPS (₹)
7.90
Book Value (₹)
74.36
Dividend per Share (₹)
0.00
Net Interest Margin %
2.83%
ROA %
0.90%
ROE %
10.97%
52.20%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
30.70%
Credit-Deposit Ratio %
0.08%
0.00%
Net Profit Growth %
21.07%
Book Value Growth %
9.39%
P/E (x)
5.20x
P/B (x)
0.55x
0.00%
Mar 2021
EPS (₹)
8.34
Book Value (₹)
82.65
Dividend per Share (₹)
0.70
Net Interest Margin %
3.06%
ROA %
0.85%
ROE %
10.52%
49.66%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
34.06%
Credit-Deposit Ratio %
0.07%
0.00%
Net Profit Growth %
6.08%
Book Value Growth %
11.14%
P/E (x)
9.09x
P/B (x)
0.92x
0.92%
Mar 2022
EPS (₹)
9.36
Book Value (₹)
91.55
Dividend per Share (₹)
1.80
Net Interest Margin %
3.06%
ROA %
0.91%
ROE %
11.00%
53.75%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
37.13%
Credit-Deposit Ratio %
0.11%
0.00%
Net Profit Growth %
19.32%
Book Value Growth %
10.77%
P/E (x)
10.40x
P/B (x)
1.06x
1.85%
Mar 2023
EPS (₹)
14.95
Book Value (₹)
104.50
Dividend per Share (₹)
1.00
Net Interest Margin %
3.15%
ROA %
1.29%
ROE %
15.36%
50.73%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.74%
Credit-Deposit Ratio %
0.12%
0.00%
Net Profit Growth %
61.58%
Book Value Growth %
14.15%
P/E (x)
8.84x
P/B (x)
1.27x
0.76%
Mar 2024
EPS (₹)
15.76
Book Value (₹)
123.58
Dividend per Share (₹)
1.20
Net Interest Margin %
3.04%
ROA %
1.34%
ROE %
15.04%
55.07%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
29.54%
Credit-Deposit Ratio %
0.10%
0.00%
Net Profit Growth %
23.67%
Book Value Growth %
18.26%
P/E (x)
9.53x
P/B (x)
1.22x
0.80%
Mar 2025
EPS (₹)
16.92
Book Value (₹)
140.57
Dividend per Share (₹)
1.20
Net Interest Margin %
3.06%
ROA %
1.24%
ROE %
13.00%
54.81%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
30.41%
Credit-Deposit Ratio %
0.12%
0.00%
Net Profit Growth %
6.98%
Book Value Growth %
13.75%
P/E (x)
11.39x
P/B (x)
1.37x
0.62%
Mar 2026
EPS (₹)
17.63
Book Value (₹)
156.03
Dividend per Share (₹)
1.20
Net Interest Margin %
3.13%
ROA %
1.18%
ROE %
12.29%
52.52%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
33.18%
Credit-Deposit Ratio %
0.11%
0.00%
Net Profit Growth %
6.71%
Book Value Growth %
11.00%
P/E (x)
14.71x
P/B (x)
1.66x
0.46%

Shareholding Pattern

Numbers in percentages

TRADES
Jun 2024
Promoters
0.00
28.63
44.97
0.00
26.39
Sep 2024
Promoters
0.00
27.72
46.95
0.00
25.32
Dec 2024
Promoters
0.00
26.32
48.67
0.01
25.00
Mar 2025
Promoters
0.00
26.28
49.06
0.01
24.66
Jun 2025
Promoters
0.00
26.86
48.16
0.00
24.97
Sep 2025
Promoters
0.00
25.54
49.71
0.00
24.75
Dec 2025
Promoters
0.00
24.94
51.10
0.00
23.96
Mar 2026
Promoters
0.00
26.05
50.39
0.00
23.55
Jun 2026
Promoters
0.00
27.71
49.27
0.00
23.00

Documents

Announcements

Annual Reports

Nothing filed yet.

Credit Ratings

  • Credit Rating- New

    2026-07-09 - The Federal Bank Limited has informed the Exchange about Credit Rating- New- Assignment of First-Ever International Issuer Credit Rating by S&P Global Ratings

  • Credit Rating

    2025-12-30 - The Federal Bank Limited has informed the Exchange about Credit Rating

  • Credit Rating

    2025-10-18 - The Federal Bank Limited has informed the Exchange about Credit Rating

Concalls

  • Jul 2026

    TranscriptPPTREC
  • May 2026

    TranscriptPPTREC
  • Jan 2026

    TranscriptPPTREC