Fedbank Financial Services Limited — PPTs, 15-07-2026: Investor Presentation

Fedbank Financial Services (Fedfina) delivered strong Q1 FY27 results.

1. **Business Performance:** Assets Under Management (AUM) surged 34.7% year-on-year (YoY) to ₹21,136 Cr, primarily driven by a 76.7% YoY jump in Gold Loan AUM (₹11,191 Cr). Mortgage AUM grew 14.5% YoY to ₹9,777 Cr. Disbursements increased 13.9% YoY to ₹6,760 Cr. Profit After Tax (PAT) saw robust growth of 52.5% YoY to ₹114.4 Cr. Net Interest Income (NII) rose 38.7% to ₹371.9 Cr, and operating profit grew 49.9% to ₹187.5 Cr. Asset quality remained healthy with Gross Stage III at 1.6% and Net Stage III at 1.0%. Return on Assets (RoA) was 2.6% and Return on Equity (RoE) 15.4%.

2. **Growth Drivers/Strategy:** Fedfina focuses on empowering MSMEs via Gold and Mortgage loans, expanding its footprint to 757 branches across 17 states. Digital transformation is key, evident from 1.4 million app downloads, 88%+ digital registrations, and 61%+ digital payments, streamlining operations and customer reach.

3. **Recent Developments:** The 'Stree Sakthi Gold Loan Schemes' crossed ₹100 Cr in portfolio, highlighting the company's commitment to women's financial inclusion and product traction.

4. **Key Financial Metrics:** AUM: ₹21,136 Cr (+34.7% YoY); PAT: ₹114.4 Cr (+52.5% YoY); Operating Profit: ₹187.5 Cr (+49.9% YoY); RoA: 2.6%; RoE: 15.4%.