FEDFINA2025-10-012025-12-31FEDFINA2025-04-012025-12-31FEDFINA2025-10-012025-12-31in-capmkt:OtherExpenses1MemberFEDFINA2025-04-012025-12-31in-capmkt:OtherExpenses1MemberFEDFINA2025-10-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss1FEDFINA2025-10-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss2FEDFINA2025-04-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss1FEDFINA2025-04-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss2FEDFINA2025-10-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss1FEDFINA2025-10-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss2FEDFINA2025-10-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss3FEDFINA2025-10-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss4FEDFINA2025-04-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss1FEDFINA2025-04-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss2FEDFINA2025-04-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss3FEDFINA2025-04-012025-12-31ItemsThatWillBeReclassifiedToProfitAndLoss4iso4217:INRxbrli:pureiso4217:INRxbrli:shares544027FEDFINANOTLISTEDINE007N01010FEDBANK FINANCIAL SERVICES LIMITEDMain BoardEquity2025-04-012026-03-312026-01-152026-01-05INRLakhsQuarterlyThird quarterSingle segmentLending Business2026-01-1517:00:002026-01-1518:25:00Not applicablefalsefalseNot Applicable to our entity2025-10-012025-12-31UnauditedStandalone5269800000002381000004380000000055517000007100000555880000000011557000002080700000140500000-700000003113000006884000004375900000118290000001182900000340400000-366000003038000008791000000000879100000501000009292000003740800000102.352.33002.352.330.0399001. 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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). <BR> <BR> 5. The Company does not have any subsidiary/associate/joint venture company as on December 31, 2025. <BR> <BR> 6.Previous period/year figures have been regrouped/reclassified to make them comparable with those of current period/year. <BR> <BR> 7. Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. <BR> <BR> Particulars As at Dec 31, 2025 <BR> Debt-Equity Ratio 3.99 <BR> Capital redemption reserve (INR in Lakhs) 200 <BR> Current liability ratio 0.39 <BR> Total debts to total assets 0.78 <BR> Net worth (INR in Lakhs) 2,80,638 <BR> Sector specific equivalent ratios <BR> - CRAR 20.47% <BR> - Gross Non Performing Assets (GNPA) 2.06% <BR> - Net Non Performing Assets (NNPA) 1.40% <BR> - Liquidity Coverage ratio 152.00% <BR> - Provision Coverage Ratio (PCR) 32.33% <BR> - Net profit margin (%) 15.82% <BR> <BR> 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. <BR> (i) The Company has not transferred any non-performing assets ("NPA" including written-off loans) during the quarter ended December 31, 2025. <BR> <BR> (ii) Details of transfer through assignment in respect of loans not in default during the quarter ended December 31, 2025: <BR> Particulars Value <BR> Aggregate amount of Loan transferred (Rs. In lakhs) 20,486 <BR> Weighted average residual maturity (in months) 163 <BR> Weighted average holding period by originator (in months) 13 <BR> Retention of beneficial economic interest 10% <BR> Coverage of tangible security coverage 100% <BR> Rating-wise distribution of rated loans NA <BR> <BR> (iii) The Company has not acquired any loans through assignment during the quarter ended December 31, 2025. <BR> (iv) The Company has not acquired any stressed loan during the quarter ended December 31, 2025. <BR> <BR> 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. <BR> <BR> 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 2025.2025-04-012025-12-31UnauditedStandalone152081000000071560000014780000000016071500000197000001609120000000031329000006398800000394800000-460000000873700000203450000012830100000326110000003261100000874000000-43600000830400000243070000000002430700000-360000024271000003740800000106.516.45006.516.450.039900Other Expenses688400000Other Expenses2034500000Re-measurement of net defined benefit plan9400000Income tax related to Items that shall not be reclassified to profit and loss-24000007000000Re-measurement of net defined benefit plan-1300000Income tax related to Items that shall not be reclassified to profit and loss300000-100000000Fair value gain / (loss) - OCI - Loans104000000Fair value gain / (loss) - OCI - Investment in Government Securities0The effective portion of gain on hedging instruments in a cash flow hedge-46500000Tax effect on above (i) ,(ii) and (iii)-1440000043100000Fair value gain / (loss) - OCI - Loans25700000Fair value gain / (loss) - OCI - Investment in Government Securities0The effective portion of gain on hedging instruments in a cash flow hedge-29300000Tax effect on above (i) ,(ii) and (iii)1000000-26000000050100000-3600000