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FINANCIAL SERVICES LIMITEDMain BoardEquity2026-04-012027-03-312026-10-152026-10-09INRLakhsQuarterlySecond quarterSingle segmentLending Business2026-10-1511:10:002026-10-1512:25:00trueCash Flow IndirectNot applicabletruetrueNANAfalsetrue2026-05-06https://www.fedfina.com/site/assets/files/2898/related_party_transactions_policy.pdffalsefalseNot Applicable2026-07-012026-09-30UnauditedStandalone69201000000023120000042800000000719410000038000007197900000000126540000028834000001541000000002708000008442000005417900000178000000001780000000525600000-5310000047250000013075000000000130750000026620000015737000003751400000103.563.53003.563.530.04611.The Company is a Systemically Important Non Deposit taking Non Banking Finance Company (NBFC-ND-SI) registered with Reserve Bank of India (RBI) classified as an Investment and Credit Company. <br /> 2.The aforesaid unaudited financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standards (Ind AS), prescribed under section 133 of the Companies Act, 2013 (the "Act"),as amended, from time to time and other recognised accounting practices generally accepted in India and are in compliance with Regulation 33, Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligation and Disclosure Requirements) Regulation, 2015 as amended (the "Listing Regulations"), as prescribed in Securities and Exchange Board of India operational circular SEBI/HO/DDHS/P/CIR/2021/613 dated August 10, 2021. Any application guidance / clarification / directions issued by RBI or other regulators are implemented as and when they are issued / applicable. <br /> 3.The aforesaid unaudited financial results have been approved by the Board of Directors at its meeting held on October 15, 2026, after review and recommendation by the Audit Committee, and the joint statutory auditors of the Company have carried out a limited review of the aforesaid results. <br /> 4.Security cover available: The Company has secured NCDs of Rs 27,875 Lakhs outstanding at September 30, 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 /> 5.During the quarter ended September 30,2026, The Company has not granted any options in accordance with the company's Employee Stock Option Scheme(s) (ESOS 2024) and Employee Stock Option Scheme(s) (ESOS 2018) respectively. <br /> 6.During the quarter ended September 30, 2026, the Company has allotted 2,35,701 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 /> 7.The Company does not have any subsidiary/associate/joint venture company as on September 30, 2026. <br /> 8.Previous period/year figures have been regrouped/reclassified to make them comparable with those of current period/year. <br /> 9.Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. <br /> Particulars As at <br /> Sep 30,2026 <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 0.41 <br /> Total debts to total assets 0.79 <br /> Net worth4 (INR in Lakhs) 3,16,496 <br /> Sector specific equivalent ratios <br /> - CRAR 20.96% <br /> - Gross Non Performing Assets (GNPA)5 1.82% <br /> - Net Non Performing Assets (NNPA)6 1.18% <br /> - Liquidity Coverage ratio 156.85% <br /> - Provision Coverage Ratio (PCR)7 35.37% <br /> <br /> Net profit margin (%) 18.17% <br /> Net Profit after tax (INR in Lakhs) 13,075 <br /> Earning Per Share ('EPS')* <br /> - Basic 3.56 <br /> - Diluted 3.53 <br /> <br /> 10.Disclosure pertaining to RBI Master Direction - RBI/DOR/2025-26/334 DOR.ACC.REC.No.253/21.04.018/2025-26 dated 28 November 2025 Reserve Bank of India (Non-Banking Financial Companies - Financial Statements: Presentation and Disclosures) Directions, 2025 are given below : <br /> (i) The Company has transferred following non-performing assets ("NPA" including written-off loans) during the quarter ended September 30, 2026. <br /> Details of NPA loans (including written-off loans) transferred during the Quarter <br /> Particular To ARCs <br /> Number of accounts 48 <br /> Aggregate principal outstanding of loans transferred - <br /> Weighted average residual tenor of the loans transferred - <br /> Net book value of loans transferred (at the time of transfer)* - <br /> Aggregate consideration (INR in Lakhs) 3 <br /> Additional consideration realized in respect of accounts transferred in earlier years - <br /> <br /> (ii) Details of transfer through assignment in respect of loans not in default during the quarter ended September 30, 2026: <br /> Particulars Value <br /> Aggregate amount of Loan transferred (INR in Lakhs) 87,689 <br /> Weighted average residual maturity (in months) 23 <br /> Weighted average holding period by originator (in months) 8 <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 September 30, 2026. <br /> (iv) The Company has not acquired any stressed loan during the quarter ended September 30, 2026. <br /> <br /> 2026-04-012026-09-30UnauditedStandalone1336580000000472300000553000000001389340000070000001390040000000024717000005610300000296600000000611400000159560000010585600000331480000003314800000964600000-101100000863500000245130000000002451300000-20040000022509000003751400000106.546.48006.546.480.0461Other expenses844200000Other expenses159560000077368000005285000002784600000500000002669000001602001000007985300000217340000018172560000002613000002407800000621000005700000032200000908900000367800000018540360000037514000002789820000031649600000316496000004160000011000001451000001894490000011797980000090949000006776400000152983800000109800000316500000343900000770200000153754000000185403600000Other Financial assets2173400000Other non-financial assets908900000Other financial liabilities6776400000Other non-financial liabilities343900000Re-measurement of net defined benefit plan1980000019800000Re-measurement of net defined benefit plan-16200000-162000005000000-4200000Fair value gain/ (loss) OCI Loans-61900000Fair value gain/ (loss) OCI Investment in Government Securities-32500000(iii) The effective portion of gain on hedging instruments in a cash flow hedge434800000340400000Fair value gain/ (loss) OCI Loans-647000000Fair value gain/ (loss) OCI Investment in Government Securities-11200000(iii) The effective portion of gain on hedging instruments in a cash flow hedge407700000-25050000089000000-62100000266200000-20040000056103000000-20100000-18431505000000005520000000029660000061140000010200000002618600000-408800000000-289460000684000000-4300000001616650000-9668700000-63539000000008349000000-7188800000001058669000001097616000000000021470000000056000000000000052000000000019520000004700000-39203000009357000000000167000000004087991700046197762000263911000005738941000599400005448600000-56605000000-5660500000133973000007736800000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest received125000000Approved94000038776600004876621000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved369879000106597220009054167000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved16923000600000000600000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterInterest paid750000000Approved11649500023470000002347000000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterSale of goods or services917000Approved917000522000754000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionMTM Gain/(Loss) on Derivative instrument2450000000Approved69826000144766000214592000Fedbank Financial Services Limited******The Federal Bank Limited******PromoterAny other transactionDerivative Margin Deposit2450000000Approved00161550000Fedbank 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