Fedbank Financial Services Limited — Investor Meet, 22-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Fedbank Financial Services' Q3 FY26 saw business AUM reach 17,500 Cr (+17% YoY), with gold loans growing 52% to 7,905 Cr (5% tonnage growth). Total disbursals hit 8,606 Cr (+96% YoY). Net Interest Income rose 16.8% to 318.9 Cr, and Net Profit was 87.9 Cr. Credit cost remained at 0.9%, though Gross Stage III increased to 2.1% due to older Small Ticket LAP (ST LAP) portfolios. Management prioritizes a gold and LAP "twin-engine" strategy, expanding gold branches (54 new in Q3), and strengthening ST LAP credit policies. Unsecured lending is now below 0.6%. The company aims for consistent ROA/ROE growth, with cost efficiencies expected in FY27.