The Federal Bank Ltd.
•2026-08-21
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. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | HDFCBANK | 720.15 | 14.05 | 1109831.87 | 2.15 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| 2. | ICICIBANK | 1401.80 | 17.94 | 1006008.51 | 0.86 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| 3. | KOTAKBANK | 392.05 | 19.21 | 389986.67 | 0.17 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| 4. | AXISBANK | 1232.35 | 13.81 | 383618.90 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| 5. | FEDERALBNK | 359.45 | 18.97 | 88849.29 | 0.33 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| 6. | IDBI | 80.72 | 9.31 | 86793.39 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| 7. | AUBANK | 1071.30 | 44.12 | 80340.09 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| 8. | INDUSINDBK | 1011.95 | 59.63 | 78845.13 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| 9. | IDFCFIRSTB | 85.20 | 31.87 | 73452.79 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| 10. | YESBANK | 22.71 | 18.88 | 71281.66 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| 11. | RBLBANK | 381.00 | 65.69 | 59059.12 | 0.26 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| 12. | KARURVYSYA | 331.20 | 0.00 | 32017.55 | 0.79 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,350 | 5,791 | 6,085 | 6,339 | 6,728 | 7,006 | 7,265 | 7,108 | 7,151 | 7,216 | 7,360 | 7,947 | 7,862 | |
| Interest Expended | 3,255 | 3,544 | 3,760 | 3,936 | 4,212 | 4,393 | 4,570 | 4,456 | 4,540 | 4,429 | 4,401 | 4,402 | 4,538 |
| Net Interest Income | 2,095 | 2,247 | 2,326 | 2,403 | 2,516 | 2,612 | 2,695 | 2,651 | 2,611 | 2,787 | 2,960 | 3,545 | 3,324 |
| 741 | 757 | 908 | 810 | 936 | 1,010 | 931 | 1,047 | 1,164 | 1,105 | 1,143 | 1,186 | 1,082 | |
| Total Income | 0 | 0 | 0 | 0 | 7,664 | 8,015 | 8,196 | 8,155 | 8,315 | 8,321 | 8,503 | 9,132 | 8,943 |
| Operating Expenses | 0 | 0 | 0 | 0 | 18,749 | 19,526 | 19,620 | 21,024 | 20,687 | 21,220 | 22,204 | 22,556 | 2,311 |
| Operating Profit | 0 | 0 | 0 | 0 | 15,772 | 16,692 | 16,642 | 15,964 | 17,070 | 17,700 | 18,820 | 24,752 | 2,094 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 1,729 | 1,961 | 3,874 | 1,628 | 4,372 | 3,974 | 3,745 | 7,617 | 353 |
| Profit before Tax | 1,202 | 1,343 | 1,420 | 1,296 | 1,404 | 1,473 | 1,277 | 1,434 | 1,270 | 1,373 | 1,507 | 1,714 | 1,741 |
| Tax % | 25.84% | 25.51% | 25.11% | 24.97% | 25.94% | 25.02% | 25.70% | 22.69% | 25.44% | 25.73% | 25.44% | 18.69% | 25.47% |
| Net Profit | 0 | 0 | 0 | 0 | 1,040 | 1,104 | 949 | 1,108 | 947 | 1,019 | 1,124 | 1,393 | 1,298 |
| EPS | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 1 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 8,783 | 9,915 | 11,635 | 13,590 | 14,314 | 14,382 | 17,812 | 23,565 | 28,106 | 29,674 | — | |
| Interest Expended | 5,653 | 6,226 | 7,316 | 8,678 | 8,435 | 7,959 | 9,975 | 14,495 | 17,631 | 17,772 | 17,770 |
| Net Interest Income | 3,131 | 3,688 | 4,319 | 4,912 | 5,879 | 6,422 | 7,837 | 9,071 | 10,475 | 11,903 | — |
| 1,084 | 1,160 | 1,335 | 1,882 | 1,972 | 2,121 | 2,436 | 3,216 | 3,924 | 4,598 | 4,515 | |
| Total Income | 9,867 | 11,075 | 12,971 | 15,472 | 16,286 | 16,502 | 20,248 | 26,782 | 32,030 | 34,272 | 34,900 |
| 2,253 | 2,505 | 2,837 | 3,547 | 3,899 | 4,592 | 5,211 | 6,767 | 7,892 | 8,667 | — | |
| Operating Profit | 1,962 | 2,344 | 2,818 | 3,247 | 3,952 | 3,951 | 5,062 | 5,521 | 6,507 | 7,834 | — |
| 620 | 951 | 858 | 1,187 | 1,744 | 1,305 | 799 | 260 | 919 | 1,971 | — | |
| Profit before Tax | 1,342 | 1,393 | 1,960 | 2,060 | 2,209 | 2,646 | 4,263 | 5,261 | 5,588 | 5,863 | 6,335 |
| Tax % | 36 | 35 | 35 | 25 | 25 | 26 | 26 | 25 | 25 | 24 | 24 |
| Net Profit | 853 | 910 | 1,283 | 1,553 | 1,647 | 1,965 | 3,176 | 3,928 | 4,201 | 4,483 | 4,834 |
| EPS | 5 | 5 | 7 | 8 | 8 | 9 | 15 | 16 | 17 | 18 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- —
- 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
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 345 | 394 | 397 | 399 | 399 | 421 | 423 | 487 | 491 | 493 |
| 8,607 | 11,880 | 13,101 | 14,424 | 16,103 | 18,833 | 21,696 | 29,615 | 34,035 | 37,963 | |
| 97,662 | 1,11,970 | 1,34,879 | 1,52,252 | 1,72,186 | 1,81,678 | 2,12,989 | 2,52,455 | 2,83,484 | 3,13,491 | |
| 6,345 | 12,329 | 8,706 | 12,528 | 12,271 | 19,587 | 25,862 | 25,160 | 32,596 | 33,193 | |
| Other Liabilities & Provisions | 2,527 | 2,640 | 3,389 | 3,570 | 3,789 | 5,415 | 6,679 | 9,298 | 8,619 | 14,284 |
| Total Liabilities | 1,15,486 | 1,39,214 | 1,60,552 | 1,83,353 | 2,04,967 | 2,26,241 | 2,68,004 | 3,17,839 | 3,60,152 | 4,02,081 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 4,578 | 5,137 | 6,423 | 6,183 | 7,655 | 16,066 | 12,604 | 11,509 | 20,361 | 15,577 | |
| Balances with Banks & Money at Call | 2,876 | 4,058 | 3,631 | 6,575 | 12,161 | 5,070 | 5,200 | 7,685 | 11,236 | 11,321 |
| 27,912 | 30,595 | 31,676 | 35,715 | 36,732 | 39,065 | 48,702 | 61,043 | 66,058 | 76,471 | |
| 74,086 | 93,011 | 1,11,536 | 1,24,849 | 1,35,514 | 1,49,951 | 1,81,957 | 2,18,110 | 2,44,995 | 2,77,381 | |
| 477 | 452 | 462 | 477 | 504 | 643 | 890 | 996 | 1,456 | 1,420 | |
| 5,540 | 5,952 | 6,807 | 9,526 | 12,387 | 15,416 | 18,569 | 18,429 | 15,974 | 19,803 | |
| Total Assets | 1,15,486 | 1,39,214 | 1,60,552 | 1,83,353 | 2,04,967 | 2,26,241 | 2,68,004 | 3,17,839 | 3,60,152 | 4,02,081 |
| CASA Deposits | 26,398 | 30,920 | 34,979 | 38,534 | 46,852 | 53,083 | 54,337 | 57,859 | 63,892 | 76,632 |
| CASA Ratio (%) | 27.03 | 27.61 | 25.93 | 25.31 | 27.21 | 29.22 | 25.51 | 22.92 | 22.54 | 24.44 |
| Credit-Deposit Ratio (%) | 75.86 | 83.07 | 82.69 | 82.00 | 78.70 | 82.54 | 85.43 | 86.40 | 86.42 | 88.48 |
| Contingent Liabilities | 23,236 | 26,816 | 29,348 | 34,464 | 36,427 | 38,932 | 76,606 | 1,02,090 | 2,08,282 | 2,89,581 |
| Bills for Collection | 2,568 | 3,123 | 3,543 | 3,768 | 3,977 | 5,013 | 5,669 | 7,158 | 9,233 | 9,870 |
| Book Value per Share | 51.89 | 62.21 | 67.97 | 74.36 | 82.65 | 91.55 | 104.50 | 123.58 | 140.57 | 156.03 |
| CASA Deposits | 26,398 | 30,920 | 34,979 | 38,534 | 46,852 | 53,083 | 54,337 | 57,859 | 63,892 | 76,632 |
| CASA Ratio (%) | 27.03 | 27.61 | 25.93 | 25.31 | 27.21 | 29.22 | 25.51 | 22.92 | 22.54 | 24.44 |
| Credit-Deposit Ratio (%) | 75.86 | 83.07 | 82.69 | 82.00 | 78.70 | 82.54 | 85.43 | 86.40 | 86.42 | 88.48 |
| Contingent Liabilities | 23,236 | 26,816 | 29,348 | 34,464 | 36,427 | 38,932 | 76,606 | 1,02,090 | 2,08,282 | 2,89,581 |
| Bills for Collection | 2,568 | 3,123 | 3,543 | 3,768 | 3,977 | 5,013 | 5,669 | 7,158 | 9,233 | 9,870 |
| Book Value per Share | 51.89 | 62.21 | 67.97 | 74.36 | 82.65 | 91.55 | 104.50 | 123.58 | 140.57 | 156.03 |
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 3,431 | -5,051 | 7,873 | 3,731 | 11,179 | -7,774 | 489 | 6,431 | 8,801 | 4,349 | |
| Cash from Investing | -2,384 | -1,579 | -3,380 | -4,693 | -3,915 | 908 | -9,844 | -8,908 | -3,794 | -11,109 |
| Cash from Financing | 985 | 8,371 | -3,637 | 3,661 | -208 | 8,193 | 6,038 | 3,871 | 7,401 | 2,069 |
| 2,032 | 1,740 | 856 | 2,699 | 7,057 | 1,327 | -3,316 | 1,394 | 12,408 | -4,691 |
- 3,431
- Cash from Investing
- -2,384
- Cash from Financing
- 985
- 2,032
- -5,051
- Cash from Investing
- -1,579
- Cash from Financing
- 8,371
- 1,740
- 7,873
- Cash from Investing
- -3,380
- Cash from Financing
- -3,637
- 856
- 3,731
- Cash from Investing
- -4,693
- Cash from Financing
- 3,661
- 2,699
- 11,179
- Cash from Investing
- -3,915
- Cash from Financing
- -208
- 7,057
- -7,774
- Cash from Investing
- 908
- Cash from Financing
- 8,193
- 1,327
- 489
- Cash from Investing
- -9,844
- Cash from Financing
- 6,038
- -3,316
- 6,431
- Cash from Investing
- -8,908
- Cash from Financing
- 3,871
- 1,394
- 8,801
- Cash from Investing
- -3,794
- Cash from Financing
- 7,401
- 12,408
- 4,349
- Cash from Investing
- -11,109
- Cash from Financing
- 2,069
- -4,691
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 5.03 | 4.74 | 6.57 | 7.90 | 8.34 | 9.36 | 14.95 | 15.76 | 16.92 | 17.63 |
| Book Value (₹) | 51.89 | 62.21 | 67.97 | 74.36 | 82.65 | 91.55 | 104.50 | 123.58 | 140.57 | 156.03 |
| Dividend per Share (₹) | 0.90 | 1.00 | 1.40 | 0.00 | 0.70 | 1.80 | 1.00 | 1.20 | 1.20 | 1.20 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Net Interest Margin % | 2.86% | 2.78% | 2.82% | 2.83% | 3.06% | 3.06% | 3.15% | 3.04% | 3.06% | 3.13% |
| ROA % | 0.81% | 0.71% | 0.86% | 0.90% | 0.85% | 0.91% | 1.29% | 1.34% | 1.24% | 1.18% |
| ROE % | 10.04% | 8.58% | 9.96% | 10.97% | 10.52% | 11.00% | 15.36% | 15.04% | 13.00% | 12.29% |
| 53.45% | 51.66% | 50.17% | 52.20% | 49.66% | 53.75% | 50.73% | 55.07% | 54.81% | 52.52% | |
| ASSET QUALITY | - | - | - | - | - | - | - | - | - | - |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | - | - | - | - | - | - | - | - | - | - |
| CASA % | 32.82% | 33.64% | 32.37% | 30.70% | 34.06% | 37.13% | 32.74% | 29.54% | 30.41% | 33.18% |
| Credit-Deposit Ratio % | 0.07% | 0.11% | 0.06% | 0.08% | 0.07% | 0.11% | 0.12% | 0.10% | 0.12% | 0.11% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | - | - | - | - | - | - | - | - | - | - |
| Net Profit Growth % | 74.90% | 6.60% | 40.99% | 21.07% | 6.08% | 19.32% | 61.58% | 23.67% | 6.98% | 6.71% |
| Book Value Growth % | 10.68% | 19.89% | 9.26% | 9.39% | 11.14% | 10.77% | 14.15% | 18.26% | 13.75% | 11.00% |
| P/E (x) | 18.17x | 18.84x | 14.68x | 5.20x | 9.09x | 10.40x | 8.84x | 9.53x | 11.39x | 14.71x |
| P/B (x) | 1.76x | 1.44x | 1.42x | 0.55x | 0.92x | 1.06x | 1.27x | 1.22x | 1.37x | 1.66x |
| 0.99% | 1.12% | 1.45% | 0.00% | 0.92% | 1.85% | 0.76% | 0.80% | 0.62% | 0.46% |
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
Documents
Announcements
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-20 - The Federal Bank Limited has informed the Exchange about Schedule of meet
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - The Federal Bank Limited has informed the Exchange about Schedule of meet
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
May 2026
Jan 2026

