INTEGRATED FILING — NBFC



General information about company

Scrip code 544027
NSE Symbol FEDFINA
MSEI Symbol NOTLISTED
ISIN INE007N01010
Name of company FEDBANK FINANCIAL SERVICES LIMITED
Type of company Main Board
Class of security Equity
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 15-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 05-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Unaudited
Segment Reporting Single segment
Description of single segment Lending Business
Start date and time of board meeting 15-01-2026   17:00:00
End date and time of board meeting 15-01-2026   18:25:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not Applicable to our entity


Financial Results — NBFC

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Income
Revenue from operations
(i) Interest Income 52,698.00 1,52,081.00
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 2,381.00 7,156.00
(v) Net gain on fair value changes 438.00 1,478.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 0.00 0.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 0.00 0.00
(ix) Other revenue from operations
Total other revenue from operations
Total Revenue From Operations 55,517.00 1,60,715.00
Other income 71.00 197.00
Total income 55,588.00 1,60,912.00
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 11,557.00 31,329.00
Finance costs 20,807.00 63,988.00
Depreciation, depletion and amortisation expense 1,405.00 3,948.00
Fees and commission expense (7.00) (46.00)
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 0.00 0.00
Impairment on financial instruments 3,113.00 8,737.00
(f) Other expenses
1 Other Expenses 6,884.00 20,345.00
Total other expenses 6,884.00 20,345.00
Total expenses 43,759.00 1,28,301.00
3 Total profit before exceptional items and tax 11,829.00 32,611.00
4 Exceptional items 0.00 0.00
5 Total profit before tax 11,829.00 32,611.00
7 Tax expense
8 Current tax 3,404.00 8,740.00
9 Deferred tax (366.00) (436.00)
10 Total tax expenses 3,038.00 8,304.00
11 Net Profit Loss for the period from continuing operations 8,791.00 24,307.00
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0.00 0.00
15 Total profit (loss) for period 8,791.00 24,307.00
16 Other comprehensive income net of taxes 501.00 (36.00)
17 Total Comprehensive Income for the period 9,292.00 24,271.00
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
20 Details of equity share capital
Paid-up equity share capital 37,408.00 37,408.00
Face value of equity share capital 10 10
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 2.35 6.51
Diluted earnings per share from continuing operations 2.33 6.45
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 2.35 6.51
Diluted earnings per share 2.33 6.45
23 Debt equity ratio 3.9900 3.9900
24 Debt service coverage ratio 0.0 0.0
25 Interest service coverage ratio 0.0 0.0
26 Disclosure of notes on financial results Textual Information(1)


Remarks

23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block

Textual Information(1) 1. The aforesaid unaudited financial results have been approved by the Board of Directors at its meeting held on Jan 15, 2026 after review and recommendation by the Audit Committee. 2. Security cover available: The Company has secured NCDs of Rs 12,000 Lakhs outstanding at December 31, 2025 which are secured by way of first ranking pari passu charge over the eligible receivables and current assets to the extent of security cover of minimum 1.10 times of the obligations. 3. During the quarter ended December 31,2025, The Company has granted NIL and 2,61,000 options in accordance with the company's Employee Stock Option Scheme(s) (ESOS 2024) and Employee Stock Option Scheme(s) (ESOS 2018) respectively. 4. During the quarter ended December 31, 2025, the Company has allotted 4,08,463 equity shares of INR 10 each fully paid up, on exercise of options by employees, in accordance with the company's Employee Stock Option Scheme(s). 5. The Company does not have any subsidiary/associate/joint venture company as on December 31, 2025. 6.Previous period/year figures have been regrouped/reclassified to make them comparable with those of current period/year. 7. Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. Particulars As at Dec 31, 2025 Debt-Equity Ratio 3.99 Capital redemption reserve (INR in Lakhs) 200 Current liability ratio 0.39 Total debts to total assets 0.78 Net worth (INR in Lakhs) 2,80,638 Sector specific equivalent ratios - CRAR 20.47% - Gross Non Performing Assets (GNPA) 2.06% - Net Non Performing Assets (NNPA) 1.40% - Liquidity Coverage ratio 152.00% - Provision Coverage Ratio (PCR) 32.33% - Net profit margin (%) 15.82% 8. Disclosure pertaining to RBI Master Direction - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021 dated September 24, 2021. (i) The Company has not transferred any non-performing assets (NPA including written-off loans) during the quarter ended December 31, 2025. (ii) Details of transfer through assignment in respect of loans not in default during the quarter ended December 31, 2025: Particulars Value Aggregate amount of Loan transferred (Rs. In lakhs) 20,486 Weighted average residual maturity (in months) 163 Weighted average holding period by originator (in months) 13 Retention of beneficial economic interest 10% Coverage of tangible security coverage 100% Rating-wise distribution of rated loans NA (iii) The Company has not acquired any loans through assignment during the quarter ended December 31, 2025. (iv) The Company has not acquired any stressed loan during the quarter ended December 31, 2025. 9. The Company’s business comprise of lending loans, by way of offering different products and across geographies, that constitute the only segment considering internal reporting to Chief Operating Decision Maker (CODM). Hence there are no reportable segments. 10. The Government of India has codified 29 existing labour legislations into a unified framework comprising four Labour Codes, namely the Code on Wages, 2019; the Code on Social Security, 2020; the Industrial Relations Code, 2020; and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as the “New Labour Codes”). These Codes have been made effective from 21 November 2025 which has resulted into recognizing incremental liability towards gratuity and leave encashment amounting to Rs. 391 lakhs in the quarter ended 31 December 2025.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Re-measurement of net defined benefit plan 9400000 -1300000
2 Income tax related to Items that shall not be reclassified to profit and loss -2400000 300000
Total Amount of items that will not be reclassified to profit and loss 7000000 -1000000
2 Income tax relating to items that will not be reclassified to profit or loss 0.00 0.00
3 Amount of items that will be reclassified to profit and loss
1 Fair value gain / (loss) - OCI - Loans 104000000 25700000
2 Fair value gain / (loss) - OCI - Investment in Government Securities 0 0
3 The effective portion of gain on hedging instruments in a cash flow hedge -46500000 -29300000
4 Tax effect on above (i) ,(ii) and (iii) -14400000 1000000
Total Amount of items that will be reclassified to profit and loss 43100000 -2600000
4 Income tax relating to items that will be reclassified to profit or loss 0.00 0.00
5 Total Other comprehensive income 501.00 (36.00)