FEDFINA2023-10-012023-12-31 FEDFINA2023-10-012023-12-31 FEDFINA2023-10-012023-12-31in-bse-fin:OneOperatingExpenses01Member FEDFINA2023-10-012023-12-31in-bse-fin:FourOperatingExpenses01Member FEDFINA2023-12-31 FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue01Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue02Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue03Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue04Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue01Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue02Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue03Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue04Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults01Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults02Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults03Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults04Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults01Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults02Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults03Member FEDFINA2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults04Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets01Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets02Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets03Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets04Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDFINA2023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDFINA2023-12-31 FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDFINA2023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDFINA2023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDFINA2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member FEDFINA2023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member FEDFINA2023-10-012023-12-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2023-10-012023-12-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2023-10-012023-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2023-10-012023-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss02Member FEDFINA2023-10-012023-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2023-10-012023-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss02Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 544027 FEDFINA NOTLISTED Fedbank Financial Services Limited Equity 2023-04-01 2024-03-31 2024-01-15 2024-01-08 INR Lakhs Third quarter 2024-01-15 13:40:00 2024-01-15 14:55:00 false Not applicable Multi segment 2023-10-01 2023-12-31 Unaudited Standalone 3923900000.00 0.00 0.00 162400000.00 48200000.00 0.00 0.00 0.00 4134500000.00 160000000.00 4294500000.00 0.00 0.00 0.00 834900000.00 1757500000.00 97400000.00 54600000.00 0.00 0.00 226600000.00 445500000.00 3416500000.00 878000000.00 0.00 878000000.00 161200000.00 62700000.00 223900000.00 654100000.00 0.00 0.00 0.00 0.00 654100000.00 84900000.00 739000000.00 0.00 0.00 3689600000.00 10 1.92 1.89 0.00 0.00 1.92 1.89 0.04 0.00 0.00 1.Security cover available: The Company has secured NCDs of Rs 287.50 Crs (face value) outstanding at December 31, 2023 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. 2.Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. Particulars As at As at As at As at c Dec 31, 2023 Sept 30, 2023 Mar 31, 2023 Dec 31, 2022 Capital redemption reserve (INR in Lakhs) 200 200 200 200 Current liability ratio3 0.37 0.33 0.33 0.43 Total debts to total assets 0.75 0.81 0.79 0.80 Net worth4 (INR in Lakhs) 2,16,370 1,49,634 1,35,568 1,31,017 Sector specific equivalent ratios - CRAR 25.79% 19.70% 17.94% 18.69% - Gross Non Performing Assets (GNPA)5 2.19% 2.34% 2.03% 2.41% - Net Non Performing Assets (NNPA)6 1.66% 1.83% 1.59% 1.95% - Liquidity Coverage ratio 126.00% 101.00% 108.00% 88.00% - Provision Coverage Ratio (PCR)7 24.52% 22.54% 22.19% 19.35% Particulars Quarter ended Nine month ended Year ended Dec 31, 2023 Sept 30, 2023 Dec 31, 2022 Dec 31, 2023 Dec 31, 2022 Mar 31, 2023 Net profit margin (%) 15.23% 14.51% 16.05% 14.81% 16.25% 14.83% 3.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 (NPAs). (ii) The Company has not transferred any Special Mention Account (SMA) and loan in default. (iii) Details of transfer through assignment in respect of loans not in default during the quarter ended December 31, 2023: Particulars Amount Aggregate amount of Loan transferred (Rs. In lakhs) 50,322 Weighted average residual maurity (in months) 104 Weighted average holding period by originator (in months) 17 Retention of beneficial economic interest 5%/10% Coverage of tangible security coverage (in %) 58% Rating-wise distribution of rated loans NA (iv) The Company has not acquired any loans through assignment. (v) The Company has not acquired any stressed loan. 4.In January 2024, CARE Ratings Limited upgraded the credit rating on the Long Term Rating instruments (Bank Facilities, Non-Convertible Debentures & Subordinated debt) of the Company from AA (Stable) to AA+ (Stable) and CRISIL Ratings Limited assigned credit rating of AA (Positive) for the Non-Convertible Debentures of the Company. Multi segment 2023-04-01 2023-12-31 Unaudited Standalone 11078400000.00 0.00 0.00 474900000.00 143000000.00 0.00 0.00 0.00 11696300000.00 256400000.00 11952700000.00 0.00 0.00 0.00 2320400000.00 5062400000.00 278700000.00 158100000.00 0.00 0.00 481200000.00 1279600000.00 9580400000.00 2372300000.00 0.00 2372300000.00 552700000.00 49100000.00 601800000.00 1770500000.00 0.00 0.00 0.00 0.00 1770500000.00 263000000.00 2033500000.00 0.00 0.00 3689600000.00 10 5.39 5.29 0.00 0.00 5.39 5.29 0.04 0.00 0.00 Other expenses 445500000.00 Other expenses 1279600000.00 0.00 0.00 0.00 0.00 Distribution 85000000.00 Retail Finance 3888300000.00 Unallocated 319700000.00 Wholesale Finance 1500000.00 Distribution 261800000.00 Retail Finance 11024800000.00 Unallocated 646300000.00 Wholesale Finance 19800000.00 4294500000.00 11952700000.00 0.00 0.00 4294500000.00 11952700000.00 Distribution 3800000.00 Retail Finance 649000000.00 Unallocated 241200000.00 Wholesale Finance -16000000.00 Distribution 11900000.00 Retail Finance 2016300000.00 Unallocated 360700000.00 Wholesale Finance -16600000.00 878000000.00 2372300000.00 878000000.00 2372300000.00 Distribution 65800000.00 Retail Finance 105956400000.00 Unallocated 240000000.00 Wholesale Finance 277200000.00 106539400000.00 Distribution 9300000.00 Retail Finance 84684700000.00 Unallocated 0.00 Wholesale Finance 208400000.00 84902400000.00 Re-measurement of net defined benefit plan -900000.00 Re-measurement of net defined benefit plan 1200000.00 -900000.00 1200000.00 -200000.00 300000.00 Fair value gain / (loss) - OCI - Loans 119100000.00 Fair value gain / (loss) - OCI - Investment in Government Securities -4300000.00 Fair value gain / (loss) - OCI - Loans 352400000.00 Fair value gain / (loss) - OCI - Investment in Government Securities -1400000.00 114800000.00 351000000.00 29200000.00 88900000.00 84900000.00 263000000.00