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The aforesaid unaudited financial results have been approved by the Board of Directors at its meeting held on Apr 28, 2026 after review and recommendation by the Audit Committee. <BR> 2. Security cover available: The Company has secured NCDs of Rs 50,625 Lakhs outstanding at Mar 31, 2026 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> 3. During the quarter and year ended Mar 31, 2026, the Company has granted 6,70,000 and 55,03,688 options respectively in accordance with the company's Employee Stock Option Scheme(s) (ESOS 2024) and Employee Stock Option Scheme(s) (ESOS 2018) respectively. <BR> 4. During the quarter and year ended March 31, 2026, the Company has allotted 1,29,301 and 14,89,247 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. The Company does not have any subsidiary/associate/joint venture company as on December 31, 2025. <BR> 6. Previous period/year figures have been regrouped/reclassified to make them comparable with those of current period/year. <BR> 7. Disclosure in compliance with RBI circular 2020-21/16 DOR.No.BP.BC/3/21.04.048/2020-21 <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 5,968 172 - 1,099 4,697 <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> <BR> (INR in Lakhs) <BR> No. of accounts restructured Amount outstanding as at March 31, 2026 <BR> 2 9 <BR> <BR> 8. Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. <BR> Particulars As at <BR> Mar 31, 2026 <BR> Debt-Equity Ratio2 4.61 <BR> Debt Service Coverage Ratio NA <BR> Interest Service Coverage Ratio NA <BR> Outstanding redeemable preference shares (quantity and value) NA <BR> Capital redemption reserve (INR in Lakhs) 200 <BR> Debenture redemption reserve NA <BR> Current liability ratio3 0.37 <BR> Total debts to total assets 0.80 <BR> Net worth4 (INR in Lakhs) 2,92,610 <BR> Sector specific equivalent ratios <BR> - CRAR 22.40% <BR> - Gross Non Performing Assets (GNPA)5 1.87% <BR> - Net Non Performing Assets (NNPA)6 1.28% <BR> - Liquidity Coverage ratio 152.00% <BR> - Provision Coverage Ratio (PCR)7 32.29% <BR> Net profit margin (%) 16.28% <BR> Net Profit after tax (INR in Lakhs) 10,053 <BR> Earning Per Share ('EPS')* <BR> - Basic 2.69 <BR> - Diluted 2.66 <BR> <BR> 9. 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 March 31, 2026. <BR> <BR> (ii) Details of transfer through assignment in respect of loans not in default during the quarter ended March 31, 2026: <BR> Particulars Value <BR> Aggregate amount of Loan transferred (Rs. In lakhs) 60,502 <BR> Weighted average residual maturity (in months) 72 <BR> Weighted average holding period by originator (in months) 12 <BR> Retention of beneficial economic interest 10% <BR> Coverage of tangible security coverage 100% <BR> Rating-wise distribution of rated loans NA <BR> (iii) The Company has not acquired any loans through assignment during the quarter ended March 31, 2026. <BR> (iv) The Company has not acquired any stressed loan during the quarter ended March 31, 2026. <BR> 10. 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> 11. 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 year ended 31 March 2026.2025-04-012026-03-31AuditedStandalone210907000000096690000017840000000022236000000301000002226610000000044393000008793200000544700000-20000000011527000002728100000176560000004610100000046101000001210700000-3660000011741000003436000000000034360000001502000003586200000374210000010255189000009.29.12009.29.120.0461Other expenses693600000Other expenses27281000001339730000051220000021502000007270000022400000014318850000040167000002073600000165635200000019900000938000002161200000177000002700000036200000781100000311260000016874780000037421000002551890000029261000000292610000004000009060000017303100000108374700000091635000004071200000139003500000198300000285000000483300000139486800000168747800000Other Financial assets2073600000Other non-financial assets (to be specified)781100000Other financial liabilities4071200000Other non-financial liabilities285000000Re-measurement of net defined benefit plan-4600000-4600000Re-measurement of net defined benefit plan-5800000-5800000-1200000-1500000Fair value gain/ (loss) OCI Loans-138200000Fair value gain/ (loss) OCI Investment in Government Securities0The effective portion of gain on hedging instruments in a cash flow hedge347400000209200000Fair value gain/ (loss) OCI Loans-112500000Fair value gain/ (loss) OCI Investment in Government Securities0The effective portion of gain on hedging instruments in a cash flow hedge318200000205700000522000005120000015360000015020000087932000000-44500000-2811610000000000-119000000005447000001098500000544000000154600000-20535000000037980000011810000000-1217000000590000000-19905000000-1529490000000013467000000-166416000000020586420000020562050000000000276100000000240000000000000023074000000000039610000001661700000-306000000001490000000002860000000083464300000794735000004786000000909640000006820000023098900000615130000006151300000724600000013397300000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest received125000000Approved2800005143460003968904000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionMTM gain on Derivative Instrument144766000Approved1447660000144766000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved356680000900277600010659722000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved21247000600000000600000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved11585800023470000002347000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterSale of goods or services1080000Approved108000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterPurchase of goods or services16018000Approved1601800000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterPurchase of goods or services3315000Approved331500000Fedbank Financial Services Limited******Perfios Account Aggregation Services Pvt Ltd******Entity having common DirectorPurchase of goods or services10000Approved1000000Fedbank Financial Services Limited******Parvez Mulla******MD & CEORemuneration18350000Approved1835000000Fedbank Financial Services Limited******Ganesh Venkatraman Chatapuram******Chief Financial OfficerRemuneration10000000Approved1000000000Fedbank Financial Services Limited******Parthasarathy Iyengar******Company SecretaryRemuneration2750000Approved275000000Fedbank Financial Services Limited******Ganesh Venkatraman Chatapuram******Chief Financial OfficerAny other transactionExercise of ESOP2976000Approved297600000Fedbank Financial Services Limited******Ramesh Sundararajan******Independent DirectorRemuneration940000Approved94000000Fedbank Financial Services Limited******Sunil Gulati******Independent DirectorRemuneration980000Approved98000000Fedbank Financial Services Limited******Shyam Srinivasan******Non-Executive DirectorRemuneration680000Approved68000000Fedbank Financial Services Limited******Sonal Dave******Independent DirectorRemuneration980000Approved98000000Fedbank Financial Services Limited******Mona Bhide******Independent DirectorRemuneration460000Approved46000000Fedbank Financial Services Limited******Muralidharan Rajamani******Independent DirectorRemuneration1000000Approved100000000698370000AuditedtrueKKC & Associates LLPtrue2027-07-31Public Issues2023-11-29109226000002026-03-31trueICRA LimitedfalseNANilNAC.V. GaneshChief Financial OfficerMumbai2026-04-28Augmentation of Company's Tier I Capital BaseNA6000000000060000000000The net proceeds are proposed to be utilised towards augmentattion of our Company's Tier I Capital base to meet the company's future capital requirement which is expectd to arise out of growth in the company's business and assets. <br></br> There has been no deviation in the utlisation of the net proceeds. <br></br> Futher, No funds have been raised during this quarte. The date of raising of funds is 29th November, 2023.