Fedbank Financial Services Limited — PPTs, 28-04-2026: Investor Presentation

Fedbank Financial Services (Fedfina) reported robust financial results for the quarter and financial year ended March 31, 2026. AUM grew 27.5% YoY to ₹20,153 Cr, with Gold Loan AUM surging 76.0% YoY to ₹10,352 Cr (51.4% of total). Mortgage AUM increased 16.1% to ₹9,362 Cr. Total disbursements for Q4 jumped 109.1% YoY to ₹11,665 Cr.

Profit After Tax (PAT) for Q4 rose 40.3% YoY to ₹100.5 Cr, and for the financial year, it increased 52.6% YoY to ₹343.6 Cr. Q4 Return on Assets (RoA) was 2.6% and Return on Equity (RoE) hit 14.0%. The company maintained strong asset quality with Gross Stage III at 1.9% and Net Stage III at 1.3%.

Key strategies involve focusing on fully secured lending (98.9% of AUM), expanding its footprint to 757 branches (+148 new this year), and leveraging digital operations. Fedfina strengthened its balance sheet by raising ₹450 Cr in sub-debt and saw its credit rating upgraded to AA+/Stable. Management remains focused on empowering MSMEs, recognizing a long growth runway.