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FINANCIAL SERVICES LIMITEDMain BoardEquity2024-04-012025-03-312025-04-292025-04-24INRLakhsQuarterlyFourth quarterSingle segmentLending Business2025-04-2915:35:002025-04-2915:50:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueNANAtruetruetrue2025-04-28https://www.fedfina.com/corporate-governance/falsefalseThe company has not made any default on loans and Debt securities. 2025-01-012025-03-31AuditedStandalone499180000000195900000445000000005232200000142500000537470000000010604000002158700000132500000231000000032530000068820000043882000009865000000986500000345300000-753000002700000007165000000000716500000929000008094000003727200000101.921.92001.921.920.0403 <BR> 1.The aforesaid audited financial results have been approved by the Board of Directors at its meeting held on April 29, 2025 after review and recommendation by the Audit Committee. <BR> <BR> 2.Security cover available: The Company has secured NCDs of Rs 36,125 Lakhs (face value) outstanding at March 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 1.10 times of the obligations. <BR> <BR> 3.During the quarter and year ended March 31,2025, The Company has granted 37,25,000 options in accordance with the company's Employee Stock Option Scheme(s) (ESOS 2024). <BR> 4.During the quarter and year ended March 31, 2025, The Company has allotted 48,499 and 33,29,955 equity shares respectively of INR 10 each fully paid up, on exercise of options by employees, in accordance with the company's Employee Stock Option Scheme(s). <BR> 5.Disclosure in compliance with RBI circular 2020-21/16 DOR.No.BP.BC/3/21.04.048/2020-21 <BR> <BR> Format B (INR in Lakhs) <BR> Type of borrower Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half-year (A) Of (A), aggregate debt that slipped into NPA during the half-year Of (A) amount written off during the half-year Of (A) amount paid by the borrower during the half-year Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of this half-year <BR> Personal Loans 6,819 84 - 26 6,710 <BR> Corporate persons* - - - - - <BR> Of which MSMEs - - - - - <BR> Others - - - - - <BR> Total - - - - - <BR> * As defined in Section 3(7) of the Insolvency and Bankruptcy Code, 2016 <BR> 6.Disclosure in compliance with RBI circular 2020-21/17 DOR.No.BP.BC/4/21.04.048/2020-21 <BR> (INR in Lakhs) <BR> No. of accounts restructured Amount outstanding as at March 31, 2025 <BR> 5 322 <BR> <BR> 7.Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. <BR> <BR> Particulars As at As at As at <BR> Mar 31, 2025 Dec 31,2024 Mar 31, 2024 <BR> Debt-Equity Ratio 4.03 3.98 3.63 <BR> Debt Service Coverage Ratio NA NA NA <BR> Interest Service Coverage Ratio NA NA NA <BR> Outstanding redeemable preference shares (quantity and value)NA NA NA <BR> Capital redemption reserve (INR in Lakhs) 200 200 200 <BR> Debenture redemption reserve NA NA NA <BR> Current liability ratio3 0.44 0.45 0.36 <BR> Total debts to total assets 0.78 0.77 0.74 <BR> Net worth4 (INR in Lakhs) 2,54,736 2,46,436 2,26,083 <BR> Sector specific equivalent ratios <BR> - CRAR 21.92% 21.64% 23.46% <BR> - Gross Non Performing Assets (GNPA)2.02% 1.79% 1.66% <BR> - Net Non Performing Assets (NNPA) 1.22% 1.05% 1.33% <BR> - Liquidity Coverage ratio 149.77% 166.00% 108.00% <BR> - Provision Coverage Ratio (PCR) 39.95% 42.27% 20.36% <BR> <BR> Particulars Quarter ended Year ended <BR> Mar 31, 2025 Dec 31,2024 Mar 31, 2024 Mar 31, 2025 Mar 31, 2024 <BR> Net profit margin (%) 13.33% 3.52% 15.82% 10.83% 15.08% <BR> Net Profit after tax (INR in Lakhs) 7,165 1,876 6,766 22,518 24,470 <BR> Earning Per Share ('EPS') - Not annualised <BR> - Basic 1.92 0.50 1.83 6.06 7.22 <BR> - Diluted 1.92 0.50 1.81 6.04 7.12 <BR> <BR> <BR> 13 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. <BR> (i) The Company has not transferred any non-performing assets (NPAs) during the quarter ended March 31, 2025. <BR> (ii) The Company has not transferred any Special Mention Account (SMA) and loan in default during the quarter ended March 31, 2025. <BR> (iii) Details of transfer through assignment in respect of loans not in default during the quarter ended March 31, 2025: <BR> <BR> Particulars Value <BR> Aggregate amount of Loan transferred (Rs. In lakhs) 59,012 <BR> Weighted average residual maturity (in months) 165 <BR> Weighted average holding period by originator (in months) 21 <BR> Retention of beneficial economic interest 10% <BR> Coverage of tangible security coverage 100% <BR> Rating-wise distribution of rated loans NA <BR> <BR> (iv) The Company has not acquired any loans through assignment during the quarter ended March 31, 2025. <BR> (v) The Company has not acquired any stressed loan during the quarter ended March 31, 2025. <BR> 2024-04-012025-03-31AuditedStandalone19245800000008563000002558000000002035790000044030000020798200000000390300000085378000004885000001850000000021636000002482800000177607000003037500000030375000001016900000-2312000007857000002251800000000022518000004159000002667700000372720000010217464000006.066.04006.066.040.0403Other Expenses688200000Other Expenses2482800000724600000011009000005800000193100000011646370000040419000008671000001299185000000010700000000185860000028000006400000029200000574500000257850000013249700000037272000002174640000025473600000254736000001230000002400000849000000157000005002200000929237000000476070000037083000001065102000001161000001381000000259000000513200000107023400000132497000000Re-measurement of net defined benefit plan41000004100000Re-measurement of net defined benefit plan120000012000001000000300000Fair value gain/ (loss) OCI Loans126300000Fair value gain/ (loss) OCI Investment in Government Securities-100000The effective portion of gain on hedging instruments in a cash flow hedge-200000126000000Fair value gain/ (loss) OCI Loans560900000Fair value gain/ (loss) OCI Investment in Government Securities0The effective portion of gain on hedging instruments in a cash flow hedge-20000056070000036200000145700000929000004159000008537800000011910000000-130700000000-185000000004885000000444000000-285770000000001300000000-607000000014848000000707370000010111200000000797500000-19088900000-97752000000000000013000001770000000006100000064000000000000000001312000000334860000032916000000018450000000000733833000005306570000043320000008194700000001187420000053906000000539060000018554000007246000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterSale of goods or services250000000Approved1423010002025-04-2914230100012043800015671000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest received125000000Approved02025-04-2901775110001537875000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved3958810002025-04-29395881000907222200010308333000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved237970002025-04-2923797000600000000600000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved1158580002025-04-2911585800023470000002347000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterSale of goods or services1718000Approved17180002025-04-29171800000Fedbank Financial Services Limited******Mr. Anil Kothuri******Former MD & CEORemuneration12815000Approved128150002025-04-291281500000Fedbank Financial Services Limited******Ganesh Venkatraman Chatapuram******Chief Financial OfficerRemuneration9272000Approved92720002025-04-29927200000Fedbank Financial Services Limited******Rajaraman Sundaresan******Company SecretaryRemuneration1967000Approved19670002025-04-29196700000Fedbank Financial Services Limited******Balakrishnan Krishnamurthy******Independent Director & ChairmanAny other transactionDirector Sitting Fees130000Approved1300002025-04-2913000000Fedbank Financial Services Limited******Mrs.Gauri Shah******Independent DirectorAny other transactionDirector Sitting Fees1180000Approved11800002025-04-29118000000Fedbank Financial Services Limited******Shyam Srinivasan******Non-Executive DirectorAny other transactionDirector Sitting Fees720000Approved7200002025-04-2972000000Fedbank Financial Services Limited******Ramesh Sundarajan******Independent DirectorAny other transactionDirector Sitting Fees600000Approved6000002025-04-2960000000Fedbank Financial Services Limited******Sunil Gulati******Independent DirectorAny other transactionDirector Sitting Fees1100000Approved11000002025-04-29110000000Fedbank Financial Services Limited******Sonal Dave******Independent DirectorAny other transactionDirector Sitting Fees670000Approved6700002025-04-2967000000Fedbank Financial Services Limited******Mona Bhide******Independent DirectorAny other transactionDirector Sitting Fees80000Approved800002025-04-298000000Fedbank Financial Services Limited******Muralidharan Rajamani******Independent DirectorAny other transactionDirector Sitting Fees60000Approved600002025-04-296000000Fedbank Financial Services Limited******Parvez Mulla******MD & CEORemuneration14272000Approved142720002025-04-291427200000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionServicing Fee Income on Securitisation1719000Approved17190002025-04-29171900000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionBrand usage charges24364000Approved243640002025-04-292436400000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionProcessing Fees250000000Approved67500002025-04-29675000000755254000AuditedtrueKKC & Associates LLPtrue2027-07-31