Fedbank Financial Services Limited — PPTs, 17-10-2025: Investor Presentation

Fedbank Financial Services (Fedfina) delivered robust Q2 FY26 results. AUM grew 13.5% YoY to ₹16,136 Cr, fueled by a 36.4% YoY surge in Gold Loan AUM (₹6,731 Cr) and a 22.6% rise in Mortgage AUM (₹8,796 Cr). Total disbursals jumped 36.6% YoY to ₹5,205 Cr. Profit After Tax (PAT) climbed 24.2% YoY to ₹80.2 Cr, with Net Interest Income up 10.9% YoY at ₹293.9 Cr.

The company's strategy focuses on secured lending, with 97.7% of AUM collateralized. Growth drivers include an expanded branch network (699 branches), strong digital adoption (80%+ registrations), and efficient capital recycling via portfolio assignments (27.2% off-book). Operational efficiency is improving, with the Cost-to-Income ratio at 56.9%.

Recent developments include adding 57 new Gold Loan branches and de-recognizing ₹886 Cr of Business Loan portfolio in H1 FY26 through direct assignment. Asset quality remains stable, with Gross Stage III at 1.9% and Net Stage III at 1.3%. Return on Assets (RoA) reached 2.4% and Return on Equity (RoE) 12.0%.

Fedfina continues its mission to empower India's MSMEs with accessible loans, backed by a strong balance sheet and diverse funding sources.