The Federal Bank Ltd.

3611.6%

2026-08-21

federal.bank.in.BSE: 500469NSE: FEDERALBNK
Market Cap₹ 87,935 Cr.
Current Price₹ 361
High / Low₹ 372 / 188
Stock P/E0.0
Book Value₹ 155
Price to Book1.72
Dividend Yield0.34 %
ROCE11.1 %
ROE11.7 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 55.5% • Corporate / Whole sale Banking: 24.0% • Treasury: 13.1% • Digital Banking-Retail Banking: 6.6% • Other Banking Operations: 0.8%

PROS

  • Company has delivered good profit growth of 21.0% 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
  • Strong provisioning - provision coverage ratio of 87.4%
  • Latest quarter profit grew 36.6% YoY, showing strong momentum

CONS

  • A large part of profit comes from other income (82.7% of PBT)
  • Equity base is being diluted - shares outstanding up 16.4%
  • Though reporting repeated profits, the company pays out little dividend (7.2%)
  • Growth is decelerating - 3Y profit CAGR (11.0%) trails the 5Y trend (21.0%)

* 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.HDFCBANK726.5014.171119617.932.13203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1411.5018.061012969.760.8516209.7412.6252240.856.4416.5132.39
3.KOTAKBANK398.5019.53396414.090.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1250.3514.01389222.130.087656.5122.3135541.969.8711.0463.88
5.FEDERALBNK355.7518.7887934.710.341297.6137.067861.589.9410.9866.11
6.IDBI81.619.4287750.350.002130.575.277549.287.4414.7676.80
7.AUBANK1084.8544.6881356.250.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK1003.0559.1078151.690.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB85.7932.0973961.440.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.7418.9171375.830.001071.8132.538054.495.928.0458.47
11.RBLBANK392.9067.7460903.750.252342.30993.4138402.401015.976.4940.95
12.KARURVYSYA334.250.0032312.400.78755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023
5,025
Interest Expended
3,106
Net Interest Income
1,919
732
Total Income
0
Operating Expenses
1,349
Operating Profit
1,302
Provisions & Contingencies
156
Profit before Tax
1,147
Tax %
25.55%
Net Profit
854
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
5,455
Interest Expended
3,399
Net Interest Income
2,056
730
Total Income
0
Operating Expenses
1,462
Operating Profit
1,324
Provisions & Contingencies
44
Profit before Tax
1,281
Tax %
25.51%
Net Profit
954
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
5,730
Interest Expended
3,607
Net Interest Income
2,123
863
Total Income
0
Operating Expenses
1,549
Operating Profit
1,437
Provisions & Contingencies
91
Profit before Tax
1,346
Tax %
25.21%
Net Profit
1,007
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
5,978
Interest Expended
3,783
Net Interest Income
2,195
754
Total Income
0
Operating Expenses
1,839
Operating Profit
1,110
Provisions & Contingencies
-95
Profit before Tax
1,205
Tax %
24.79%
Net Profit
906
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
6,331
Interest Expended
4,039
Net Interest Income
2,292
915
Total Income
7,664
Operating Expenses
1,706
Operating Profit
1,501
Provisions & Contingencies
144
Profit before Tax
1,357
Tax %
25.59%
Net Profit
1,010
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
6,577
Interest Expended
4,210
Net Interest Income
2,367
964
Total Income
8,015
Operating Expenses
1,766
Operating Profit
1,565
Provisions & Contingencies
158
Profit before Tax
1,407
Tax %
24.90%
Net Profit
1,057
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
6,809
Interest Expended
4,377
Net Interest Income
2,431
916
Total Income
8,196
Operating Expenses
1,778
Operating Profit
1,569
Provisions & Contingencies
292
Profit before Tax
1,277
Tax %
25.19%
Net Profit
955
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
6,648
Interest Expended
4,271
Net Interest Income
2,377
1,006
Total Income
8,155
Operating Expenses
1,918
Operating Profit
1,465
Provisions & Contingencies
138
Profit before Tax
1,327
Tax %
22.38%
Net Profit
1,030
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
6,687
Interest Expended
4,350
Net Interest Income
2,337
1,113
Total Income
8,315
Operating Expenses
1,894
Operating Profit
1,556
Provisions & Contingencies
400
Profit before Tax
1,156
Tax %
25.46%
Net Profit
862
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
6,742
Interest Expended
4,247
Net Interest Income
2,495
1,082
Total Income
8,321
Operating Expenses
1,933
Operating Profit
1,644
Provisions & Contingencies
363
Profit before Tax
1,281
Tax %
25.43%
Net Profit
955
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
6,868
Interest Expended
4,215
Net Interest Income
2,653
1,100
Total Income
8,503
Operating Expenses
2,024
Operating Profit
1,729
Provisions & Contingencies
332
Profit before Tax
1,397
Tax %
25.47%
Net Profit
1,041
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
7,399
Interest Expended
4,226
Net Interest Income
3,173
1,145
Total Income
9,132
Operating Expenses
2,041
Operating Profit
2,276
Provisions & Contingencies
741
Profit before Tax
1,535
Tax %
17.99%
Net Profit
1,259
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
7,238
Interest Expended
4,292
Net Interest Income
2,946
1,048
Total Income
8,287
Operating Expenses
2,097
Operating Profit
1,897
Provisions & Contingencies
318
Profit before Tax
1,580
Tax %
25.49%
Net Profit
1,177
EPS
0
Gross NPA %
1.52%
Net NPA %
0.18%
Provision Coverage %
87.37%
NIM %
3.33%
CASA %
32.23%
Capital Adequacy %
16.97%
Return on Assets %
0.30%
Branches / ATMs / Employees
Gross NPA %
1.52%
Net NPA %
0.18%
Provision Coverage %
87.37%
NIM %
3.33%
CASA %
32.23%
Capital Adequacy %
16.97%
Return on Assets %
0.30%
Branches / ATMs / Employees

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017
8,677
Interest Expended
5,625
Net Interest Income
3,053
1,082
Total Income
9,759
2,210
Operating Profit
1,925
618
Profit before Tax
1,306
Tax %
36
Net Profit
831
EPS
5
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2018
9,753
Interest Expended
6,170
Net Interest Income
3,583
1,159
Total Income
10,912
2,451
Operating Profit
2,291
929
Profit before Tax
1,362
Tax %
35
Net Profit
879
EPS
4
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2019
11,419
Interest Expended
7,243
Net Interest Income
4,176
1,351
Total Income
12,770
2,764
Operating Profit
2,763
856
Profit before Tax
1,907
Tax %
35
Net Profit
1,244
EPS
6
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2020
13,211
Interest Expended
8,562
Net Interest Income
4,649
1,931
Total Income
15,142
3,376
Operating Profit
3,205
1,172
Profit before Tax
2,033
Tax %
24
Net Profit
1,543
EPS
8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2021
13,758
Interest Expended
8,224
Net Interest Income
5,534
1,959
Total Income
15,717
3,692
Operating Profit
3,801
1,663
Profit before Tax
2,137
Tax %
26
Net Profit
1,590
EPS
8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2022
13,661
Interest Expended
7,699
Net Interest Income
5,962
2,089
Total Income
15,750
4,293
Operating Profit
3,758
1,222
Profit before Tax
2,536
Tax %
25
Net Profit
1,890
EPS
9
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2023
16,804
Interest Expended
9,571
Net Interest Income
7,232
2,330
Total Income
19,134
4,768
Operating Profit
4,794
750
Profit before Tax
4,045
Tax %
26
Net Profit
3,011
EPS
14
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2024
22,188
Interest Expended
13,895
Net Interest Income
8,293
3,079
Total Income
25,268
6,198
Operating Profit
5,174
196
Profit before Tax
4,978
Tax %
25
Net Profit
3,721
EPS
15
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2025
26,365
Interest Expended
16,897
Net Interest Income
9,468
3,801
Total Income
30,167
7,168
Operating Profit
6,101
733
Profit before Tax
5,368
Tax %
25
Net Profit
4,052
EPS
16
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2026
27,695
Interest Expended
17,038
Net Interest Income
10,657
4,440
Total Income
32,136
7,892
Operating Profit
7,206
1,837
Profit before Tax
5,370
Tax %
23
Net Profit
4,117
EPS
17
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
TTM
Interest Expended
16,981
Net Interest Income
4,376
Total Income
34,244
Operating Profit
Profit before Tax
5,793
Tax %
23
Net Profit
4,432
EPS
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %

COMPOUNDED SALES GROWTH

10 Years:
14%
5 Years:
15%
3 Years:
18%

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:
81%

RETURN ON EQUITY

10 Years:
11%
5 Years:
13%
3 Years:
13%
Last Year:
12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
8,598
97,665
5,897
Other Liabilities & Provisions
2,473
Total Liabilities
1,14,977
4,577
Balances with Banks & Money at Call
2,876
28,196
73,336
475
5,503
Total Assets
1,14,977
CASA Deposits
26,398
CASA Ratio (%)
27.03
Credit-Deposit Ratio (%)
75.09
Contingent Liabilities
23,235
Bills for Collection
2,568
Book Value per Share
51.84
CASA Deposits
26,398
CASA Ratio (%)
27.03
Credit-Deposit Ratio (%)
75.09
Contingent Liabilities
23,235
Bills for Collection
2,568
Book Value per Share
51.84
Mar 2018
Equity Capital
394
11,816
1,11,992
11,533
Other Liabilities & Provisions
2,578
Total Liabilities
1,38,314
5,133
Balances with Banks & Money at Call
4,071
30,781
91,957
448
5,915
Total Assets
1,38,314
CASA Deposits
30,920
CASA Ratio (%)
27.61
Credit-Deposit Ratio (%)
82.11
Contingent Liabilities
26,815
Bills for Collection
3,123
Book Value per Share
61.89
CASA Deposits
30,920
CASA Ratio (%)
27.61
Credit-Deposit Ratio (%)
82.11
Contingent Liabilities
26,815
Bills for Collection
3,123
Book Value per Share
61.89
Mar 2019
Equity Capital
397
12,876
1,34,954
7,781
Other Liabilities & Provisions
3,331
Total Liabilities
1,59,340
6,419
Balances with Banks & Money at Call
3,648
31,824
1,10,223
455
6,754
Total Assets
1,59,340
CASA Deposits
34,979
CASA Ratio (%)
25.92
Credit-Deposit Ratio (%)
81.67
Contingent Liabilities
29,345
Bills for Collection
3,543
Book Value per Share
66.84
CASA Deposits
34,979
CASA Ratio (%)
25.92
Credit-Deposit Ratio (%)
81.67
Contingent Liabilities
29,345
Bills for Collection
3,543
Book Value per Share
66.84
Mar 2020
Equity Capital
399
14,119
1,52,290
10,372
Other Liabilities & Provisions
3,458
Total Liabilities
1,80,638
6,175
Balances with Banks & Money at Call
6,400
35,893
1,22,268
455
9,423
Total Assets
1,80,638
CASA Deposits
38,534
CASA Ratio (%)
25.30
Credit-Deposit Ratio (%)
80.29
Contingent Liabilities
34,460
Bills for Collection
3,768
Book Value per Share
72.83
CASA Deposits
38,534
CASA Ratio (%)
25.30
Credit-Deposit Ratio (%)
80.29
Contingent Liabilities
34,460
Bills for Collection
3,768
Book Value per Share
72.83
Mar 2021
Equity Capital
399
15,724
1,72,644
9,069
Other Liabilities & Provisions
3,530
Total Liabilities
2,01,367
7,647
Balances with Banks & Money at Call
11,944
37,186
1,31,879
479
12,220
Total Assets
2,01,367
CASA Deposits
46,852
CASA Ratio (%)
27.14
Credit-Deposit Ratio (%)
76.39
Contingent Liabilities
36,417
Bills for Collection
3,977
Book Value per Share
80.75
CASA Deposits
46,852
CASA Ratio (%)
27.14
Credit-Deposit Ratio (%)
76.39
Contingent Liabilities
36,417
Bills for Collection
3,977
Book Value per Share
80.75
Mar 2022
Equity Capital
421
18,372
1,81,701
15,393
Other Liabilities & Provisions
5,059
Total Liabilities
2,20,946
16,049
Balances with Banks & Money at Call
4,961
39,179
1,44,928
606
15,194
Total Assets
2,20,946
CASA Deposits
53,083
CASA Ratio (%)
29.21
Credit-Deposit Ratio (%)
79.76
Contingent Liabilities
38,915
Bills for Collection
5,013
Book Value per Share
89.36
CASA Deposits
53,083
CASA Ratio (%)
29.21
Credit-Deposit Ratio (%)
79.76
Contingent Liabilities
38,915
Bills for Collection
5,013
Book Value per Share
89.36
Mar 2023
Equity Capital
423
21,081
2,13,386
19,319
Other Liabilities & Provisions
6,130
Total Liabilities
2,60,342
12,591
Balances with Banks & Money at Call
5,098
48,983
1,74,447
853
18,289
Total Assets
2,60,342
CASA Deposits
54,337
CASA Ratio (%)
25.46
Credit-Deposit Ratio (%)
81.75
Contingent Liabilities
76,602
Bills for Collection
5,669
Book Value per Share
101.59
CASA Deposits
54,337
CASA Ratio (%)
25.46
Credit-Deposit Ratio (%)
81.75
Contingent Liabilities
76,602
Bills for Collection
5,669
Book Value per Share
101.59
Mar 2024
Equity Capital
487
28,604
2,52,534
18,026
Other Liabilities & Provisions
8,657
Total Liabilities
3,08,312
11,494
Balances with Banks & Money at Call
7,469
60,860
2,09,403
954
18,066
Total Assets
3,08,312
CASA Deposits
57,859
CASA Ratio (%)
22.91
Credit-Deposit Ratio (%)
82.92
Contingent Liabilities
1,02,073
Bills for Collection
7,158
Book Value per Share
119.43
CASA Deposits
57,859
CASA Ratio (%)
22.91
Credit-Deposit Ratio (%)
82.92
Contingent Liabilities
1,02,073
Bills for Collection
7,158
Book Value per Share
119.43
Mar 2025
Equity Capital
491
32,918
2,83,647
23,726
Other Liabilities & Provisions
8,210
Total Liabilities
3,49,005
20,354
Balances with Banks & Money at Call
10,505
66,246
2,34,836
1,407
15,585
Total Assets
3,49,005
CASA Deposits
63,892
CASA Ratio (%)
22.53
Credit-Deposit Ratio (%)
82.79
Contingent Liabilities
2,08,262
Bills for Collection
9,233
Book Value per Share
136.02
CASA Deposits
63,892
CASA Ratio (%)
22.53
Credit-Deposit Ratio (%)
82.79
Contingent Liabilities
2,08,262
Bills for Collection
9,233
Book Value per Share
136.02
Mar 2026
Equity Capital
493
36,625
3,13,909
21,159
Other Liabilities & Provisions
13,748
Total Liabilities
3,87,521
15,566
Balances with Banks & Money at Call
10,161
76,676
2,64,594
1,367
19,051
Total Assets
3,87,521
CASA Deposits
76,632
CASA Ratio (%)
24.41
Credit-Deposit Ratio (%)
84.29
Contingent Liabilities
2,89,539
Bills for Collection
9,870
Book Value per Share
150.60
CASA Deposits
76,632
CASA Ratio (%)
24.41
Credit-Deposit Ratio (%)
84.29
Contingent Liabilities
2,89,539
Bills for Collection
9,870
Book Value per Share
150.60

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017
3,757
Cash from Investing
-2,383
Cash from Financing
659
2,033
Mar 2018
-4,697
Cash from Investing
-1,577
Cash from Financing
8,025
1,751
Mar 2019
8,171
Cash from Investing
-3,374
Cash from Financing
-3,936
861
Mar 2020
4,884
Cash from Investing
-4,669
Cash from Financing
2,289
2,503
Mar 2021
12,207
Cash from Investing
-3,902
Cash from Financing
-1,290
7,015
Mar 2022
-6,497
Cash from Investing
813
Cash from Financing
7,110
1,425
Mar 2023
2,870
Cash from Investing
-9,818
Cash from Financing
3,643
-3,306
Mar 2024
7,553
Cash from Investing
-8,852
Cash from Financing
2,577
1,278
Mar 2025
10,073
Cash from Investing
-3,744
Cash from Financing
5,571
11,901
Mar 2026
7,182
Cash from Investing
-11,055
Cash from Financing
-1,249
-5,123

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017
EPS (₹)
4.82
Book Value (₹)
51.84
Dividend per Share (₹)
0.90
Net Interest Margin %
2.80%
ROA %
0.79%
ROE %
9.76%
53.44%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.82%
Credit-Deposit Ratio %
0.06%
12.39%
Net Profit Growth %
74.66%
Book Value Growth %
10.20%
P/E (x)
18.96x
P/B (x)
1.76x
0.99%
Mar 2018
EPS (₹)
4.46
Book Value (₹)
61.89
Dividend per Share (₹)
1.00
Net Interest Margin %
2.72%
ROA %
0.69%
ROE %
8.31%
51.69%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
33.65%
Credit-Deposit Ratio %
0.10%
14.70%
Net Profit Growth %
5.78%
Book Value Growth %
19.38%
P/E (x)
20.05x
P/B (x)
1.44x
1.12%
Mar 2019
EPS (₹)
6.27
Book Value (₹)
66.84
Dividend per Share (₹)
1.40
Net Interest Margin %
2.75%
ROA %
0.84%
ROE %
9.77%
50.01%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.40%
Credit-Deposit Ratio %
0.06%
14.14%
Net Profit Growth %
41.54%
Book Value Growth %
8.00%
P/E (x)
15.38x
P/B (x)
1.44x
1.45%
Mar 2020
EPS (₹)
7.74
Book Value (₹)
72.83
Dividend per Share (₹)
0.00
Net Interest Margin %
2.72%
ROA %
0.91%
ROE %
11.11%
51.30%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
30.71%
Credit-Deposit Ratio %
0.07%
14.35%
Net Profit Growth %
24.03%
Book Value Growth %
8.96%
P/E (x)
5.30x
P/B (x)
0.56x
0.00%
Mar 2021
EPS (₹)
7.97
Book Value (₹)
80.75
Dividend per Share (₹)
0.70
Net Interest Margin %
2.93%
ROA %
0.83%
ROE %
10.38%
49.27%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
34.01%
Credit-Deposit Ratio %
0.05%
14.62%
Net Profit Growth %
3.08%
Book Value Growth %
10.87%
P/E (x)
9.51x
P/B (x)
0.94x
0.92%
Mar 2022
EPS (₹)
8.99
Book Value (₹)
89.36
Dividend per Share (₹)
1.80
Net Interest Margin %
2.91%
ROA %
0.90%
ROE %
10.83%
53.32%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
37.13%
Credit-Deposit Ratio %
0.08%
15.77%
Net Profit Growth %
18.83%
Book Value Growth %
10.66%
P/E (x)
10.83x
P/B (x)
1.09x
1.85%
Mar 2023
EPS (₹)
14.23
Book Value (₹)
101.59
Dividend per Share (₹)
1.00
Net Interest Margin %
3.00%
ROA %
1.25%
ROE %
14.95%
49.86%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
32.86%
Credit-Deposit Ratio %
0.09%
14.81%
Net Profit Growth %
59.31%
Book Value Growth %
13.69%
P/E (x)
9.30x
P/B (x)
1.30x
0.76%
Mar 2024
EPS (₹)
15.28
Book Value (₹)
119.43
Dividend per Share (₹)
1.20
Net Interest Margin %
2.87%
ROA %
1.31%
ROE %
14.71%
54.50%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
29.56%
Credit-Deposit Ratio %
0.07%
16.13%
Net Profit Growth %
23.58%
Book Value Growth %
17.56%
P/E (x)
9.83x
P/B (x)
1.26x
0.80%
Mar 2025
EPS (₹)
16.50
Book Value (₹)
136.02
Dividend per Share (₹)
1.20
Net Interest Margin %
2.85%
ROA %
1.23%
ROE %
12.97%
54.02%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
30.45%
Credit-Deposit Ratio %
0.08%
16.40%
Net Profit Growth %
8.90%
Book Value Growth %
13.89%
P/E (x)
11.68x
P/B (x)
1.42x
0.62%
Mar 2026
EPS (₹)
16.71
Book Value (₹)
150.60
Dividend per Share (₹)
1.20
Net Interest Margin %
2.90%
ROA %
1.12%
ROE %
11.68%
52.27%
Gross NPA %
1.91%
Net NPA %
0.48%
Provision Coverage %
74.41%
Slippage Ratio %
CASA %
33.27%
Credit-Deposit Ratio %
0.07%
17.25%
Net Profit Growth %
1.61%
Book Value Growth %
10.72%
P/E (x)
15.52x
P/B (x)
1.72x
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

  • Outcome of Board Meeting

    2026-08-21 - The Federal Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on August 21, 2026.

  • General Updates

    2026-08-21 - The Federal Bank Limited has informed the Exchange about Disclosure under Regulation 30 of SEBI LODR Regulations 2015

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