Fedbank Financial Services Limited — PPTs, 15-01-2026: Investor Presentation

Fedfina delivered a strong Q3 FY26, with AUM growing 17.4% YoY to ₹17,500 Cr (32.5% YoY excluding business loans). Disbursals surged 95.8% YoY to ₹8,606 Cr, largely driven by gold loan disbursals, which jumped 128.2% YoY and saw AUM rise 51.9% YoY to ₹7,905 Cr. Mortgage AUM also grew 20% YoY to ₹9,084 Cr. Net Interest Income increased 16.8% YoY to ₹318.9 Cr, and Profit After Tax soared 368.6% YoY to ₹87.9 Cr (Q3FY25 was impacted by a one-time credit cost). Gross Stage III settled at 2.1%, with Net Stage III at 1.4%.

Growth is fueled by focusing on MSME lending with 98.4% secured AUM and aggressive branch expansion, adding 113 new gold loan branches this year for a total of 730. Digital initiatives are gaining traction with 13 lakh+ app downloads. A recent highlight was the 100% assignment and derecognition of a ₹886 Cr Business Loan portfolio in H1 FY26. Key metrics include RoA at 2.5%, RoE at 12.7%, and Book Value Per Share up 13.5% YoY to ₹75.0. Management's outlook centers on "Empowering Emerging India with Easy Access to Loans" through its expanding network and digital push.