FEDFINA2024-10-012024-12-31 FEDFINA2024-10-012024-12-31 FEDFINA2024-10-012024-12-31in-bse-fin:OneOperatingExpenses01Member FEDFINA2024-10-012024-12-31in-bse-fin:FourOperatingExpenses01Member FEDFINA2024-12-31 FEDFINA2024-12-31 FEDFINA2024-10-012024-12-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2024-10-012024-12-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member FEDFINA2024-10-012024-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2024-10-012024-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss02Member FEDFINA2024-10-012024-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member FEDFINA2024-10-012024-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss02Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 544027 FEDFINA NOTLISTED Fedbank Financial Services Limited Equity 2024-04-01 2025-03-31 2025-01-24 2025-01-20 INR Lakhs Third quarter 2025-01-24 12:55:00 2025-01-24 15:15:00 false Not applicable Single segment Lending Business 2024-10-01 2024-12-31 Unaudited Standalone 5050600000.00 0.00 0.00 215900000.00 64000000.00 0.00 0.00 0.00 5330500000.00 99900000.00 5430400000.00 0.00 0.00 0.00 926300000.00 2212600000.00 128300000.00 55700000.00 0.00 0.00 1195700000.00 661400000.00 5180000000.00 250400000.00 0.00 250400000.00 212600000.00 -149800000.00 62800000.00 187600000.00 0.00 0.00 0.00 0.00 187600000.00 396900000.00 584500000.00 0.00 0.00 3726700000.00 10 0.50 0.50 0.00 0.00 0.50 0.50 0.04 1.The aforesaid unaudited financial results have been approved by the Board of Directors at its meeting held on January 24, 2025 after review by the Audit Committee. 2.Security cover available: The Company has secured NCDs of Rs 37,500 Lakhs (face value) outstanding at December 31, 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 December 31,2024. 4.Disclosure as per Regulation 52(4) of SEBI (Listing Obligation & Disclosure Requirement) Regulation, 2015 as amended. Particulars As at Dec 31, 2024 As at Sept 30, 2024 As at Mar 31, 2024 As at Dec 31, 2023 Debt-Equity Ratio 3.98 4.09 3.63 3.69 CRR (In Lakh) 200 200 200 200 Current liability ratio 0.45 0.44 0.36 0.37 Total debts to total assets 0.77 0.78 0.74 0.75 Net worth (INR in Lakhs) 2,46,436 2,40,241 2,26,083 2,16,370 Sector specific equivalent ratios CRAR 21.64% 21.40% 23.46% 25.79% Gross Non Performing 1.88% 1.87% 1.66% 2.19% Assets (GNPA) Net Non-Performing 1.04% 1.47% 1.33% 1.66% Assets (NNPA) Liquidity Coverage ratio 166.00% 164.00% 108.00% 126.00% Provision Coverage Ratio (PCR) 45.17% 21.85% 20.36% 24.52% Particulars Quarter ended Nine month ended Year ended Dec 31,2024 Sep 30, 2024 Dec 31,2023 Dec 31,2024 Dec 31,2023 Mar 31, 2024 Net profit margin (%) 3.45% 12.43% 15.23% 9.89% 14.81% 15.08% Net Profit after tax (lakhs) 1,876 6,455 6,540 15,353 17,705 24,470 Earning Per Share ('EPS') - Not annualised - Basic 0.50 1.74 1.92 4.14 5.39 7.22 - Diluted 0.50 1.73 1.89 4.12 5.29 7.12 5.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) during the quarter ended December 31, 2024. (ii)The Company has not transferred any Special Mention Account (SMA) and loan in default during the quarter ended December 31, 2024. (iii)Details of transfer through assignment in respect of loans not in default during the quarter ended December 31, 2024: Particulars Value Aggregate amount of Loan transferred (Rs. In lakhs) 53,953 Weighted average residual maurity (in months) 142 Weighted average holding period by originator (in months) 21 Retention of beneficial economic interest 10% Coverage of tangible security coverage 90% Rating-wise distribution of rated loans NA (iv)The Company has not acquired any loans through assignment during the quarter ended December 31, 2024. (v)The Company has not acquired any stressed loan during the quarter ended December 31, 2024. 6.During the quarter CRISIL Ratings upgraded the credit rating on Non-Convertible Debentures of the Company from AA (Positive) to AA+ (Stable). 7.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. Single segment 2024-04-01 2024-12-31 Unaudited Standalone 14361800000.00 0.00 0.00 660400000.00 211300000.00 0.00 0.00 0.00 15233500000.00 297800000.00 15531300000.00 0.00 0.00 0.00 2842600000.00 6379100000.00 356000000.00 161900000.00 0.00 0.00 1946100000.00 1794600000.00 13480300000.00 2051000000.00 0.00 2051000000.00 671600000.00 -155900000.00 515700000.00 1535300000.00 0.00 0.00 0.00 0.00 1535300000.00 323100000.00 1858400000.00 0.00 0.00 3726700000.00 10 20916900000.00 4.14 4.12 0.00 0.00 4.14 4.12 0.04 Other expenses 661400000.00 Other expenses 1794600000.00 0.00 0.00 0.00 0.00 Re-measurement of net defined benefit plan -1100000.00 Re-measurement of net defined benefit plan -2800000.00 -1100000.00 -2800000.00 -300000.00 -700000.00 Fair value gain/ (loss) OCI Loans 531600000.00 Fair value gain/ (loss) OCI Investment in Government Securities -400000.00 Fair value gain/ (loss) OCI Loans 434600000.00 Fair value gain/ (loss) OCI Investment in Government Securities 100000.00 531200000.00 434700000.00 133500000.00 109500000.00 396900000.00 323100000.00