The Federal Bank Ltd.
•2026-08-21
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. | 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 | 726.50 | 14.17 | 1119617.93 | 2.13 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| 2. | ICICIBANK | 1411.50 | 18.06 | 1012969.76 | 0.85 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| 3. | KOTAKBANK | 398.50 | 19.53 | 396414.09 | 0.16 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| 4. | AXISBANK | 1250.35 | 14.01 | 389222.13 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| 5. | FEDERALBNK | 355.75 | 18.78 | 87934.71 | 0.34 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| 6. | IDBI | 81.61 | 9.42 | 87750.35 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| 7. | AUBANK | 1084.85 | 44.68 | 81356.25 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| 8. | INDUSINDBK | 1003.05 | 59.10 | 78151.69 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| 9. | IDFCFIRSTB | 85.79 | 32.09 | 73961.44 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| 10. | YESBANK | 22.74 | 18.91 | 71375.83 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| 11. | RBLBANK | 392.90 | 67.74 | 60903.75 | 0.25 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| 12. | KARURVYSYA | 334.25 | 0.00 | 32312.40 | 0.78 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,025 | 5,455 | 5,730 | 5,978 | 6,331 | 6,577 | 6,809 | 6,648 | 6,687 | 6,742 | 6,868 | 7,399 | 7,238 | |
| Interest Expended | 3,106 | 3,399 | 3,607 | 3,783 | 4,039 | 4,210 | 4,377 | 4,271 | 4,350 | 4,247 | 4,215 | 4,226 | 4,292 |
| Net Interest Income | 1,919 | 2,056 | 2,123 | 2,195 | 2,292 | 2,367 | 2,431 | 2,377 | 2,337 | 2,495 | 2,653 | 3,173 | 2,946 |
| 732 | 730 | 863 | 754 | 915 | 964 | 916 | 1,006 | 1,113 | 1,082 | 1,100 | 1,145 | 1,048 | |
| Total Income | 0 | 0 | 0 | 0 | 7,664 | 8,015 | 8,196 | 8,155 | 8,315 | 8,321 | 8,503 | 9,132 | 8,287 |
| Operating Expenses | 1,349 | 1,462 | 1,549 | 1,839 | 1,706 | 1,766 | 1,778 | 1,918 | 1,894 | 1,933 | 2,024 | 2,041 | 2,097 |
| Operating Profit | 1,302 | 1,324 | 1,437 | 1,110 | 1,501 | 1,565 | 1,569 | 1,465 | 1,556 | 1,644 | 1,729 | 2,276 | 1,897 |
| Provisions & Contingencies | 156 | 44 | 91 | -95 | 144 | 158 | 292 | 138 | 400 | 363 | 332 | 741 | 318 |
| Profit before Tax | 1,147 | 1,281 | 1,346 | 1,205 | 1,357 | 1,407 | 1,277 | 1,327 | 1,156 | 1,281 | 1,397 | 1,535 | 1,580 |
| Tax % | 25.55% | 25.51% | 25.21% | 24.79% | 25.59% | 24.90% | 25.19% | 22.38% | 25.46% | 25.43% | 25.47% | 17.99% | 25.49% |
| Net Profit | 854 | 954 | 1,007 | 906 | 1,010 | 1,057 | 955 | 1,030 | 862 | 955 | 1,041 | 1,259 | 1,177 |
| EPS | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 0 |
| 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% | 1.52% |
| 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% | 0.18% |
| 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% | 87.37% |
| 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% | 3.33% |
| 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% | 32.23% |
| 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% | 16.97% |
| 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% | 0.30% |
| 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% | 1.52% |
| 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% | 0.18% |
| 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% | 87.37% |
| 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% | 3.33% |
| 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% | 32.23% |
| 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% | 16.97% |
| 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% | 0.30% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 8,677 | 9,753 | 11,419 | 13,211 | 13,758 | 13,661 | 16,804 | 22,188 | 26,365 | 27,695 | — | |
| Interest Expended | 5,625 | 6,170 | 7,243 | 8,562 | 8,224 | 7,699 | 9,571 | 13,895 | 16,897 | 17,038 | 16,981 |
| Net Interest Income | 3,053 | 3,583 | 4,176 | 4,649 | 5,534 | 5,962 | 7,232 | 8,293 | 9,468 | 10,657 | — |
| 1,082 | 1,159 | 1,351 | 1,931 | 1,959 | 2,089 | 2,330 | 3,079 | 3,801 | 4,440 | 4,376 | |
| Total Income | 9,759 | 10,912 | 12,770 | 15,142 | 15,717 | 15,750 | 19,134 | 25,268 | 30,167 | 32,136 | 34,244 |
| 2,210 | 2,451 | 2,764 | 3,376 | 3,692 | 4,293 | 4,768 | 6,198 | 7,168 | 7,892 | — | |
| Operating Profit | 1,925 | 2,291 | 2,763 | 3,205 | 3,801 | 3,758 | 4,794 | 5,174 | 6,101 | 7,206 | — |
| 618 | 929 | 856 | 1,172 | 1,663 | 1,222 | 750 | 196 | 733 | 1,837 | — | |
| Profit before Tax | 1,306 | 1,362 | 1,907 | 2,033 | 2,137 | 2,536 | 4,045 | 4,978 | 5,368 | 5,370 | 5,793 |
| Tax % | 36 | 35 | 35 | 24 | 26 | 25 | 26 | 25 | 25 | 23 | 23 |
| Net Profit | 831 | 879 | 1,244 | 1,543 | 1,590 | 1,890 | 3,011 | 3,721 | 4,052 | 4,117 | 4,432 |
| EPS | 5 | 4 | 6 | 8 | 8 | 9 | 14 | 15 | 16 | 17 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- —
- 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
| 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 |
| 8,598 | 11,816 | 12,876 | 14,119 | 15,724 | 18,372 | 21,081 | 28,604 | 32,918 | 36,625 | |
| 97,665 | 1,11,992 | 1,34,954 | 1,52,290 | 1,72,644 | 1,81,701 | 2,13,386 | 2,52,534 | 2,83,647 | 3,13,909 | |
| 5,897 | 11,533 | 7,781 | 10,372 | 9,069 | 15,393 | 19,319 | 18,026 | 23,726 | 21,159 | |
| Other Liabilities & Provisions | 2,473 | 2,578 | 3,331 | 3,458 | 3,530 | 5,059 | 6,130 | 8,657 | 8,210 | 13,748 |
| Total Liabilities | 1,14,977 | 1,38,314 | 1,59,340 | 1,80,638 | 2,01,367 | 2,20,946 | 2,60,342 | 3,08,312 | 3,49,005 | 3,87,521 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 4,577 | 5,133 | 6,419 | 6,175 | 7,647 | 16,049 | 12,591 | 11,494 | 20,354 | 15,566 | |
| Balances with Banks & Money at Call | 2,876 | 4,071 | 3,648 | 6,400 | 11,944 | 4,961 | 5,098 | 7,469 | 10,505 | 10,161 |
| 28,196 | 30,781 | 31,824 | 35,893 | 37,186 | 39,179 | 48,983 | 60,860 | 66,246 | 76,676 | |
| 73,336 | 91,957 | 1,10,223 | 1,22,268 | 1,31,879 | 1,44,928 | 1,74,447 | 2,09,403 | 2,34,836 | 2,64,594 | |
| 475 | 448 | 455 | 455 | 479 | 606 | 853 | 954 | 1,407 | 1,367 | |
| 5,503 | 5,915 | 6,754 | 9,423 | 12,220 | 15,194 | 18,289 | 18,066 | 15,585 | 19,051 | |
| Total Assets | 1,14,977 | 1,38,314 | 1,59,340 | 1,80,638 | 2,01,367 | 2,20,946 | 2,60,342 | 3,08,312 | 3,49,005 | 3,87,521 |
| 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 | 25.92 | 25.30 | 27.14 | 29.21 | 25.46 | 22.91 | 22.53 | 24.41 |
| Credit-Deposit Ratio (%) | 75.09 | 82.11 | 81.67 | 80.29 | 76.39 | 79.76 | 81.75 | 82.92 | 82.79 | 84.29 |
| Contingent Liabilities | 23,235 | 26,815 | 29,345 | 34,460 | 36,417 | 38,915 | 76,602 | 1,02,073 | 2,08,262 | 2,89,539 |
| 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 | 51.84 | 61.89 | 66.84 | 72.83 | 80.75 | 89.36 | 101.59 | 119.43 | 136.02 | 150.60 |
| 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 | 25.92 | 25.30 | 27.14 | 29.21 | 25.46 | 22.91 | 22.53 | 24.41 |
| Credit-Deposit Ratio (%) | 75.09 | 82.11 | 81.67 | 80.29 | 76.39 | 79.76 | 81.75 | 82.92 | 82.79 | 84.29 |
| Contingent Liabilities | 23,235 | 26,815 | 29,345 | 34,460 | 36,417 | 38,915 | 76,602 | 1,02,073 | 2,08,262 | 2,89,539 |
| 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 | 51.84 | 61.89 | 66.84 | 72.83 | 80.75 | 89.36 | 101.59 | 119.43 | 136.02 | 150.60 |
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 3,757 | -4,697 | 8,171 | 4,884 | 12,207 | -6,497 | 2,870 | 7,553 | 10,073 | 7,182 | |
| Cash from Investing | -2,383 | -1,577 | -3,374 | -4,669 | -3,902 | 813 | -9,818 | -8,852 | -3,744 | -11,055 |
| Cash from Financing | 659 | 8,025 | -3,936 | 2,289 | -1,290 | 7,110 | 3,643 | 2,577 | 5,571 | -1,249 |
| 2,033 | 1,751 | 861 | 2,503 | 7,015 | 1,425 | -3,306 | 1,278 | 11,901 | -5,123 |
- 3,757
- Cash from Investing
- -2,383
- Cash from Financing
- 659
- 2,033
- -4,697
- Cash from Investing
- -1,577
- Cash from Financing
- 8,025
- 1,751
- 8,171
- Cash from Investing
- -3,374
- Cash from Financing
- -3,936
- 861
- 4,884
- Cash from Investing
- -4,669
- Cash from Financing
- 2,289
- 2,503
- 12,207
- Cash from Investing
- -3,902
- Cash from Financing
- -1,290
- 7,015
- -6,497
- Cash from Investing
- 813
- Cash from Financing
- 7,110
- 1,425
- 2,870
- Cash from Investing
- -9,818
- Cash from Financing
- 3,643
- -3,306
- 7,553
- Cash from Investing
- -8,852
- Cash from Financing
- 2,577
- 1,278
- 10,073
- Cash from Investing
- -3,744
- Cash from Financing
- 5,571
- 11,901
- 7,182
- Cash from Investing
- -11,055
- Cash from Financing
- -1,249
- -5,123
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 4.82 | 4.46 | 6.27 | 7.74 | 7.97 | 8.99 | 14.23 | 15.28 | 16.50 | 16.71 |
| Book Value (₹) | 51.84 | 61.89 | 66.84 | 72.83 | 80.75 | 89.36 | 101.59 | 119.43 | 136.02 | 150.60 |
| 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 % | 2.80% | 2.72% | 2.75% | 2.72% | 2.93% | 2.91% | 3.00% | 2.87% | 2.85% | 2.90% |
| ROA % | 0.79% | 0.69% | 0.84% | 0.91% | 0.83% | 0.90% | 1.25% | 1.31% | 1.23% | 1.12% |
| ROE % | 9.76% | 8.31% | 9.77% | 11.11% | 10.38% | 10.83% | 14.95% | 14.71% | 12.97% | 11.68% |
| 53.44% | 51.69% | 50.01% | 51.30% | 49.27% | 53.32% | 49.86% | 54.50% | 54.02% | 52.27% | |
| ASSET QUALITY | - | - | - | - | - | - | - | - | - | - |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.91% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.48% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 74.41% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | - | - | - | - | - | - | - | - | - | - |
| CASA % | 32.82% | 33.65% | 32.40% | 30.71% | 34.01% | 37.13% | 32.86% | 29.56% | 30.45% | 33.27% |
| Credit-Deposit Ratio % | 0.06% | 0.10% | 0.06% | 0.07% | 0.05% | 0.08% | 0.09% | 0.07% | 0.08% | 0.07% |
| 12.39% | 14.70% | 14.14% | 14.35% | 14.62% | 15.77% | 14.81% | 16.13% | 16.40% | 17.25% | |
| GROWTH & VALUATION | - | - | - | - | - | - | - | - | - | - |
| Net Profit Growth % | 74.66% | 5.78% | 41.54% | 24.03% | 3.08% | 18.83% | 59.31% | 23.58% | 8.90% | 1.61% |
| Book Value Growth % | 10.20% | 19.38% | 8.00% | 8.96% | 10.87% | 10.66% | 13.69% | 17.56% | 13.89% | 10.72% |
| P/E (x) | 18.96x | 20.05x | 15.38x | 5.30x | 9.51x | 10.83x | 9.30x | 9.83x | 11.68x | 15.52x |
| P/B (x) | 1.76x | 1.44x | 1.44x | 0.56x | 0.94x | 1.09x | 1.30x | 1.26x | 1.42x | 1.72x |
| 0.99% | 1.12% | 1.45% | 0.00% | 0.92% | 1.85% | 0.76% | 0.80% | 0.62% | 0.46% |
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
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
May 2026
Jan 2026

