FEDFINA2024-07-012024-09-30 FEDFINA2024-07-012024-09-30 FEDFINA2024-07-012024-09-30in-bse-fin:OneOperatingExpenses01Member FEDFINA2024-07-012024-09-30in-bse-fin:FourOperatingExpenses01Member FEDFINA2024-09-30 FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentRevenue01Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentRevenue02Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentRevenue03Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentRevenue04Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentRevenue01Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentRevenue02Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentRevenue03Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentRevenue04Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentResults01Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentResults02Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentResults03Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentResults04Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentResults01Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentResults02Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentResults03Member FEDFINA2024-07-012024-09-30in-bse-fin:FourReportableSegmentResults04Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentAssets01Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentAssets02Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentAssets03Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentAssets04Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentLiabilities01Member FEDFINA2024-09-30in-bse-fin:OneReportableSegmentLiabilities01Member FEDFINA2024-09-30 FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentLiabilities02Member FEDFINA2024-09-30in-bse-fin:OneReportableSegmentLiabilities02Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentLiabilities03Member FEDFINA2024-09-30in-bse-fin:OneReportableSegmentLiabilities03Member FEDFINA2024-07-012024-09-30in-bse-fin:OneReportableSegmentLiabilities04Member FEDFINA2024-09-30in-bse-fin:OneReportableSegmentLiabilities04Member FEDFINA2024-07-012024-09-30in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2024-07-012024-09-30in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2024-07-012024-09-30in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2024-07-012024-09-30in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss02Member FEDFINA2024-07-012024-09-30in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2024-07-012024-09-30in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss02Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 544027 FEDFINA NOTLISTED Fedbank Financial Services Limited Equity 2024-04-01 2025-03-31 2024-10-23 2024-10-15 INR Lakhs Half yearly 2024-10-23 14:50:00 2024-10-23 15:25:00 true Cash Flow Indirect Not applicable Multi segment 2024-07-01 2024-09-30 Unaudited Standalone 4791100000.00 0.00 0.00 272600000.00 66100000.00 0.00 0.00 0.00 5129800000.00 61100000.00 5190900000.00 0.00 0.00 0.00 998100000.00 2142400000.00 117700000.00 61000000.00 0.00 0.00 398600000.00 608900000.00 4326700000.00 864200000.00 0.00 864200000.00 218500000.00 200000.00 218700000.00 645500000.00 0.00 0.00 0.00 0.00 645500000.00 86200000.00 731700000.00 0.00 0.00 3719200000.00 10 1.74 1.73 0.00 0.00 1.74 1.73 0.04 0.00 0.00 1.The aforesaid unaudited financial results have been approved by the Board of Directors at its meeting held on October 23, 2024 after review by the Audit Committee. 2.Security cover available: The Company has secured NCDs of Rs 38,875 Lakhs (face value) outstanding at September 30, 2024 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. 3.The Company do not have any subsidiary/associate/joint venture company as on September 30,2024. 4. As at As at As at As at Sep 30,2024 June 30, 2024 Mar 31, 2024 Sep 30,2023 Debt-Equity Ratio 4.09 4.00 3.63 5.45 Current liability ratio 0.44 0.39 0.36 0.33 Total debts to total assets 0.78 0.77 0.74 0.81 Net worth4 (INR in Lakhs) 2,40,241 2,32,225 2,26,083 1,49,634 Sector specific equivalent ratios - CRAR 21.40% 22.84% 23.46% 19.70% - Gross Non Performing Assets (GNPA) 1.87% 1.97% 1.66% 2.34% - Net Non Performing Assets (NNPA) 1.47% 1.60% 1.33% 1.83% - Liquidity Coverage ratio 164.00% 160.00% 108.00% 101.00% - Provision Coverage Ratio (PCR) 21.85% 19.32% 20.36% 22.54% Sep 30,2024 June 30, 2024 Sep 30,2023 Sep 30,2024 Sep 30,2023 Mar 31, 2024 Net profit margin (%) 12.43% 14.30% 14.51% 13.34% 14.58% 15.08% Net Profit after tax (INR in Lakhs) 6,455 7,023 5,776 13,478 11,164 24,470 Earning Per Share ('EPS') - Not annualised - Basic 1.74 1.90 1.78 3.64 3.46 7.22 - Diluted 1.73 1.88 1.78 3.61 3.46 7.12 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 transferred following non-performing assets (NPAs). Details of NPA loans transferred during the year (all amounts in Rs. Lakhs) To ARCs No: of accounts 1 Aggregate principal outstanding of loans transferred 1,690 Weighted average residual tenor of the loans transferred - Net book value of loans transferred (at the time of transfer)* 1,498 Aggregate consideration 1,530 Additional consideration realized in respect of accounts transferred in earlier years - During the year provisions* of Rs 254 lakhs reversed to the profit and loss account on accounts of sale of NPA loans * includes principal outstanding and interest thereof (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 Sep 30, 2024: Particulars Amount Aggregate amount of Loan transferred (Rs. In lakhs) 59,021 Weighted average residual maurity (in months) 96 Weighted average holding period by originator (in months) 16 Retention of beneficial economic interest 5%/10% Coverage of tangible security coverage (in %) 59% Rating-wise distribution of rated loans NA (iv) The Company has not acquired any loans through assignment during the quarter and half year ended Sept 30, 2024. (v) The Company has not acquired any stressed loan during the quarter and half year ended Sept 30, 2024. The Detailed notes to Financial Results has been uploaded on the Stock Exchanges in thier outcome of Board Meeting held on 23-Oct-2024. Multi segment 2024-04-01 2024-09-30 Unaudited Standalone 9311200000.00 0.00 0.00 444500000.00 147200000.00 0.00 0.00 0.00 9902900000.00 197900000.00 10100800000.00 0.00 0.00 0.00 1916300000.00 4166500000.00 227700000.00 106200000.00 0.00 0.00 750400000.00 1133200000.00 8300300000.00 1800500000.00 0.00 1800500000.00 458900000.00 -6200000.00 452700000.00 1347800000.00 0.00 0.00 0.00 0.00 1347800000.00 -73800000.00 1274000000.00 0.00 0.00 3719200000.00 10 20304900000.00 3.64 3.61 0.00 0.00 3.64 3.61 0.04 0.00 0.00 Other expenses 608900000.00 Other expenses 1133200000.00 3159000000.00 1060500000.00 0.00 235200000.00 155600000.00 111555800000.00 6870000000.00 887600000.00 123923700000.00 0.00 48600000.00 52500000.00 0.00 0.00 1764300000.00 15700000.00 0.00 0.00 34400000.00 503700000.00 2419200000.00 126342900000.00 3719200000.00 20304900000.00 24024100000.00 1500000.00 0.00 84100000.00 0.00 0.00 9105300000.00 84663100000.00 0.00 4544800000.00 3458900000.00 101857700000.00 0.00 127000000.00 0.00 334100000.00 461100000.00 126342900000.00 Distribution 102100000.00 Retail Finance 4872500000.00 Unallocated 215700000.00 Wholesale Finance 600000.00 Distribution 188400000.00 Retail Finance 9391200000.00 Unallocated 520000000.00 Wholesale Finance 1200000.00 5190900000.00 10100800000.00 0.00 0.00 5190900000.00 10100800000.00 Distribution 4800000.00 Retail Finance 680700000.00 Unallocated 198700000.00 Wholesale Finance -20000000.00 Distribution 9000000.00 Retail Finance 1548800000.00 Unallocated 273800000.00 Wholesale Finance -31100000.00 864200000.00 1800500000.00 0.00 0.00 0.00 0.00 864200000.00 1800500000.00 Distribution 155600000.00 Retail Finance 126086200000.00 Unallocated 101100000.00 Wholesale Finance 0.00 126342900000.00 0.00 126342900000.00 Distribution 10200000.00 Retail Finance 102308600000.00 Unallocated 0.00 Wholesale Finance 0.00 102318800000.00 0.00 102318800000.00 Re-measurement of net defined benefit plan 9500000.00 Re-measurement of net defined benefit plan -1700000.00 9500000.00 -1700000.00 2400000.00 -400000.00 Fair value gain/ (loss) OCI Loans 104500000.00 Fair value gain/ (loss) OCI Investment in Government Securities 1100000.00 Fair value gain/ (loss) OCI Loans -96900000.00 Fair value gain/ (loss) OCI Investment in Government Securities 400000.00 105600000.00 -96500000.00 26500000.00 -24000000.00 86200000.00 -73800000.00 4166500000.00 0.00 -81700000.00 0.00 0.00 0.00 -51900000.00 0.00 0.00 0.00 -37400000.00 0.00 0.00 227700000.00 0.00 30400000.00 0.00 -2975800000.00 0.00 0.00 0.00 0.00 14600000.00 0.00 0.00 -321600000.00 0.00 294300000.00 0.00 1265100000.00 3065600000.00 0.00 0.00 0.00 404200000.00 -13686000000.00 -11024600000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93600000.00 4000000.00 0.00 0.00 0.00 0.00 0.00 0.00 2400000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60100000.00 0.00 360300000.00 0.00 328400000.00 0.00 0.00 127200000.00 0.00 0.00 0.00 0.00 0.00 44843100000.00 28521500000.00 0.00 187300000.00 0.00 4261700000.00 0.00 0.00 11999800000.00 1303600000.00 0.00 1303600000.00 1855400000.00 3159000000.00